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Everything You Need to Know About Snowmobile Insurance

Thursday, 15 February 2024

Snowmobiles offer an exciting way to trek through snowy landscapes and remote winter terrain. However, with this fun comes an element of risk. That’s why it is so important to understand how snowmobile insurance protects you as a rider. In this blog, we’ll cover that topic and provide information on how to secure the best snowmobile insurance policy. Be sure to give it a read before your next winter ride so that you can enjoy peace of mind as you explore the outdoors.

What is Snowmobile Insurance?

Snowmobile insurance is designed to provide financial protection against potential risks and liabilities associated with owning and operating these vehicles. Coverage is mandatory in most provinces, but each region's rules and regulations may vary. If you do not have a snowmobile insurance policy, you may be limited to using it on private property. Make sure you refer to your provincial guidelines and laws before taking it out, or contact a BIG broker.

Types of Snowmobile Insurance

Just like auto insurance, snowmobile insurance typically offers a range of coverage options to meet the needs of individual owners. Policies commonly include coverage for the following areas.

Liability Insurance

This protects snowmobile riders from potential financial repercussions if they cause injury or property damage to others in an accident. Mandatory in many Canadian provinces and territories, this coverage ensures that individuals are covered should they be held responsible for accidents while operating their snowmobiles. If you are deemed at fault, liability coverage can assist in covering expenses such as property damage repairs, medical bills for injured parties, and legal fees.

Direct Compensation

This ensures the protection of your snowmobile in an accident where you are not at fault, with your insurance provider directly covering the repair costs. It offers financial support for damages caused by another rider’s negligence and provides peace of mind, knowing that your snowmobile is safeguarded against unforeseen circumstances.

Uninsured/Underinsured Motorist

In the unfortunate event of an accident involving an uninsured or unidentified snowmobile operator, this coverage helps pay for medical costs and property damage, ensuring that you're not left financially burdened. Depending on your location, this coverage may be required by law or offered as an option to safeguard against potential losses.

Accident Benefits

Regardless of fault, this covers you, your family, and even pedestrians following a snowmobile accident. It can help alleviate the cost of medical expenses and income loss resulting from injuries sustained in a collision. It's important to consult with your broker to ensure your coverage aligns with your individual needs and preferences.

Snowmobile riders often choose additional coverage options like comprehensive, collision, specified perils, or all perils to enhance protection beyond mandatory requirements. These options safeguard against theft, vandalism, and various risks, ensuring financial security for the rider and the vehicle. Mandatory coverage amounts can vary by region, prompting riders to carefully consider their insurance needs based on local terrain and regulations for optimal protection.

How Much are Snowmobile Insurance Rates?

Various factors influence rates for snowmobile insurance, each playing a role in determining the cost of coverage.


The purpose and frequency of snowmobile use impact the price of insurance. For example, recreational riders generally pay lower premiums compared to those using snowmobiles for commercial purposes.

Driving Record

A clean driving record typically results in lower premiums, while a history of accidents or violations labels you as a higher risk to insure and will likely lead to higher rates.


Geographical factors, such as accident rates and weather conditions in the area where the snowmobile is primarily used, can affect insurance premiums. Provincial rules may also play a part in this. For example, snowmobile insurance in Ontario might cost more than it does in Alberta or Atlantic Canada.

Rider's Age and Experience

Just like drivers, younger, less experienced snowmobile riders may face higher rates, while older riders with more experience and a clean record may qualify for lower premiums.

Coverage Limits

The extent of coverage, including liability limits and deductibles, impacts insurance rates. Choosing a policy with higher coverage limits will ensure you have ample protection, but keep in mind that it will often result in higher premiums.

Duration of Policy

The length of the insurance policy can also affect rates. Longer policy durations may offer discounts or incentives, while shorter-term policies may have higher premiums. Other factors, such as typical weather conditions in your riding area and your intended use during the season, may influence your chosen policy length.

How to Find Affordable Snowmobile Insurance

Since all insurance companies don’t offer snowmobile insurance, your best bet is to contact an insurance broker. They will assist in finding competitive snowmobile insurance rates by leveraging their access to multiple providers. Additionally, a broker can offer personalized advice tailored to individual needs and help riders understand coverage options. They will also identify ways to lower premiums, such as bundling policies, adjusting coverage limits, maintaining a clean driving record, and installing anti-theft devices on the snowmobile.

Get a Snowmobile Insurance Quote Today with BIG

No matter where you plan to ride, having snowmobile insurance in Canada is the best way to stay protected against the unexpected and avoid ruining your winter fun. Fortunately, BIG works with many providers who offer affordable insurance solutions for snowmobile enthusiasts. Contact a BIG broker or request a quote online for additional advice or information on your options.

By: Devon Gribble