Snowmobile Insurance
Protection for your winter adventures
Conquer the snowy trails worry-free with snowmobile insurance designed to protect you and your ride.
What is Snowmobile Insurance?
Snowmobile insurance provides coverage for individuals who own and operate snowmobiles. It provides financial protection against potential accidents, damages, and liabilities, giving you peace of mind while enjoying winter’s wonders.
Types of Coverage
Our snowmobile insurance solutions are designed with motorists in mind and include key coverages like:
- Accident benefits
- Collision coverage
- Comprehensive or specified perils
- Direct compensation property damage (DCPD) coverage
- Uninsured automobile coverage
Specific coverages vary by policy, so connect with our brokers to obtain coverage suited to your exact needs.
Factors considered in snowmobile coverage
A range of factors influence your snowmobile premiums, including:
- Age and experience of the driver
- Location (based on your home postal code)
- Snowmobile specifications (e.g., two-stroke vs. four-stroke engines, value, size, and power)
Gear up for the trails ahead.
Our brokers will ensure you have the protection you need to hit freshly powdered trails with exceptional coverage.
Frequently asked questions
Find answers to common questions about snowmobile insurance.
Is snowmobile insurance mandatory?
In Ontario, snowmobile insurance is required if you operate your vehicle off private property. If you only ride on your land, insurance is optional but highly recommended.
Do I need a special license to drive a snowmobile?
No, in Ontario you can legally drive a snowmobile so long as you have a valid driver’s license. Drivers 12 and under can obtain a motorized snow vehicle operator’s license (MSVOL) to operate a snowmobile.
Have more questions?
Contact us for more information.
Insights + Information
Get the latest tips from our experts
Seven Snowmobile Safety Tips for an Enjoyable Ride
Like many Canadians, you may be ready to hit the freshly powdered trails on your snowmobile. Before you rev up that engine, take a moment to review these top snowmobile safety tips for both beginners and experienced riders. Maintaining safety while riding is key to having a memorable and worry-free experience.