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Snowmobile Insurance

Protection for your winter adventures

Conquer the snowy trails worry-free with snowmobile insurance designed to protect you and your ride.

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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.

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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.

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