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Snowmobiling is a fun recreational activity that people enjoy during the winter months. It is also a mode of transportation for others. A snowmobile is an automotive vehicle designed for travel on snow and ice. It is steered by skis in the front and propelled by a belt of track at the back. The first one was made by a Quebec mechanic in 1935, and today there are more than 600,000 registered snowmobiles in Canada. If you own a snowmobile, it is important to have insurance, as it is against the law if you don't. The coverage helps to protect you and others from any accidents and injuries. It is not required to have insurance if it is only being driven on private property (i.e your property).
Snowmobile insurance is a specialty insurance product that not all insurance companies offer. You can see if your current insurance provider offers it to get a discount for having both policies with them. Otherwise, you will need to get stand-alone coverage, which can be more expensive than adding it to your existing policy. Contact your Surex Advisor today for more details!
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Snowmobile Insurance in Canada
Snowmobile insurance protects you and your vehicle against potential damage and liabilities. In the event of an accident, it covers bodily harm sustained to the driver and other individuals. Snowmobile insurance generally includes liability coverage, accident benefits, direct compensation damage and uninsured automobile coverage.
Operating a snowmobile in Canada typically requires insurance coverage. Snowmobile insurance is mandatory in most provinces, but restrictions and coverage minimums may vary so it is best that you check with your advisor for details.
You will need to get coverage for third-party liability and accident benefits, both of which are mandatory for people riding a Snowmobile on public roads, land, or highways.
Snowmobile insurance coverage protects your finances in the event of loss, damages, an accident, injury, or theft of your vehicle. Here is a breakdown of the coverages you can get:
Liability coverage: this coverage covers the costs of bodily injury and property damage if you cause an accident (up to a determined amount) as well as legal costs if you are sued.
Accident coverage: this coverage covers the costs of repairs to your damaged vehicle after an accident
Comprehensive coverage (optional): This coverage protects if your vehicle is stolen, or damaged by fire, vandalism, or severe weather.
Uninsured/underinsured motorist coverage (optional): This coverage will help cover costs if an accident is caused by another rider who does not have the insurance to cover the expenses.
Snowmobile insurance policies are offered by any personal lines insurance provider. By contacting the broker channel, they can provide you with multiple options so you can compare prices and coverage!
You can help lower your rate by considering these factors: the make and model, engine size, level of coverage, driving history, riders’ age, safety features, and taking safety courses. Nothing is guaranteed, so talk to your Surex Advisor o see how you can save today!
It ranges based on the value and horsepower of the Snowmobile and the cost can range from a few hundred dollars to a few thousand dollars per year. The price can vary from $40-230/per month, depending on the selected coverage. The average can be around $100/per month for a standard policy. But, always plan to pay more and ask your Surex Advisor what you can do to lower your rate.
Riders should shop around online to get the best insurance rate possible. Getting a free Snowmobile insurance quote at an online insurance brokerage like Surex will allow you to speak to a dedicated insurance advisor to see which discounts you qualify for.
The cheapest Snowmobile insurance provider depends on how your unique situation fits into the formula companies create to evaluate policies. For example, one insurer might weigh your driving history more heavily than another. This is why it’s a good idea to compare rates from various insurers with Surex. The cheapest Snowmobile insurance provider isn’t always clear at first but licensed insurance advisors can help answer all questions and provide the best information on the market.
You can contact your assigned Surex broker/advisor or contact the insurance company directly. Make sure you have your policy # and details of the claim prepare when you call.
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