We Help Canadians Find Great Rates On Many Types of Insurance
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!
Snowmobile Insurance in Canada
Snowmobile insurance comprises a contract between customers and insurance companies that protects against financial losses in the case of a snowmobile accident or theft.
Snowmobile insurance is mandatory if you are on crown land and registered.
Depends on the coverage requested but you can obtain liability and physical damage coverage. Liability coverage is mandatory when operating on crown land. Fire, hail, theft, vandalism, and collision are optional.
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!
Have Questions? We've got answers:
The cheapest snowmobile insurance provider will depend on every customer’s unique situation. Every company has its own formula, meaning some criteria like driving record or age may weigh more than others. It’s a good idea to compare rates from various insurers with Surex so that licensed insurance advisors can shop the market for you.
It ranges based on the value and horsepower of the snowmobile. The driver’s age can sometimes play a factor as well. The cost can range from a few hundred dollars to upwards of a thousand dollars.
Drivers should shop around online to get the best snowmobile 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.
Snowmobile insurance rates are influenced by the value of the unit, the horsepower. In some provinces, the age of the driver as well as the postal code the sled is garaged in can also play a role.
Drivers must produce several documents to obtain snowmobile insurance in Canada. In Ontario, this includes a bill of sale for a new purchase or a copy of ownership for all others. In Alberta, a bill of sale is ideal but if not they will need a copy of registration and possibly a picture of the snowmobile serial number.
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.