Snowmobile
Insurance
Before you start exploring Ontario’s vast network of snowmobile trails, make sure you have the right insurance to protect yourself and your sled.
There’s nothing quite like a crisp winter day, a fresh blanket of snow and the sound of a snowmobile firing up. Whether you're exploring local trails, heading to the cottage or simply enjoying a weekend ride, snowmobiling is all about adventure. But with adventure comes a little risk, and that's where the right snowmobile insurance comes in.
Snowmobile insurance can protect you against the unexpected, including accidents, theft, damage to your sled and liability claims if you injure someone or damage their property. Depending on your policy, you may also have coverage for accessories, trailers and other equipment. Because let's face it, your snowmobile isn't exactly something you want to replace out of pocket.
At HMS Insurance, we can help you find coverage that fits the way you ride. Whether you have a brand-new performance sled, a trusty trail machine or a couple of snowmobiles for the family, we'll help you understand your options and find the right protection.
You bring the throttle. We'll help with the insurance.
Ride More. Worry Less.
What does basic snowmobile coverage include?
Similar to vehicle insurance, here are the basic mandatory snowmobile coverages:
Third party liability
Covers injuries, property damage and legal fees if you’re at fault for an accident. Think of it as your financial safety net when your snowmobile adventure doesn't go quite according to plan.
Accident benefits
Accidents can happen, even to experienced riders. AB can help provide coverage for things like medical expenses, rehabilitation and income replacement following an insured accident
Direct compensation
If another insured snowmobile driver is responsible for damaging your sled, DCPD may help cover the damage to your snowmobile, subject to the policy and Ontario's rules.
Uninsured auto
Not everyone on the trails has insurance. If you're involved in an accident with an uninsured snowmobile, this coverage can help provide protection when the other driver can't.
More options available
It’s a good idea to get more than the minimum coverage for your snowmobile:
Collision coverage
Helps cover damage to your snowmobile when you collide with another vehicle or object, or when your sled rolls over. Whether you misjudge a corner, meet a tree a little too closely, or have an unfortunate encounter on the trail, collision coverage helps get your sled back in the game.
Increased limits
You may have the option to increase your liability limit (we recommend $2M) and certain Accident Benefits limits for additional protection.
Comprehensive
Covers many types of damage that don't involve a collision, such as theft, fire, vandalism, falling objects or certain weather-related losses. Because sometimes your snowmobile can have a bad day even when you aren't riding it.
Frequently asked questions about snowmobiles
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Yes. If you operate a snowmobile on public trails, roads, or other areas where insurance is required, you need to carry the appropriate insurance. Even if you only use your sled occasionally, having the right coverage can protect you from a very expensive surprise.
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It can. Comprehensive coverage can protect your snowmobile against theft, vandalism, fire and other specified losses. If your sled is stored at a cottage, garage, trailer or another location, let your broker know so the policy is properly set up.
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Generally, your insurance follows the snowmobile, but there can be important conditions and limitations when someone else operates it. Make sure anyone riding your sled is legally permitted to operate it and understands the rules of the policy. It's always worth checking with your broker before handing over the keys, or the handlebars.
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Yes, provided you're operating the snowmobile in accordance with the policy and applicable laws. Your liability coverage is particularly important when you're out on the trails, where an accident could result in significant injury or property damage.
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Coverage for accessories, custom equipment and modifications can vary by insurer and policy. If you've added items such as a custom exhaust, upgraded suspension, windshield, storage equipment or other aftermarket accessories, tell your broker so they can determine whether additional coverage is needed.
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No. The annual premium you receive already factors in non-usage during the summer months. Full liability coverage has to remain for the entire policy term. If however you sell the snowmobile and need to cancel, your refund (if applicable) will be pro-rated accordingly to the month of cancellation.
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Yes. If you have more than one snowmobile, you may be able to insure them under the same policy. This can make managing your coverage easier and may provide opportunities for savings, depending on the insurer and your overall insurance package.
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