Snowmobile Insurance

Some provinces mandate liability insurance for snowmobiles. This coverage helps pay for damages if you’re responsible for injuring someone or damaging their property in an accident. Even if not required, it’s a wise choice to have this coverage. Key points include:

• Property Damage: This covers the cost of repairing damage to someone else’s property.
• Bodily Injury: This covers medical expenses and other costs if you injure someone.

This pays for repairs if your snowmobile is damaged in an accident, whether you collide with another snowmobile or hit an obstacle on the trail. This coverage helps manage repair costs and ensures your snowmobile is back in action quickly.

Comprehensive coverage protects against non-collision-related damages, such as:

• Fire: Coverage for fire-related damages.
• Hail: Protection against damage from hailstorms.
• Hitting an Animal: Covers damage from animal collisions.
• Smoke: Protection against smoke damage.
• Theft: Covers replacement costs if your snowmobile is stolen.
• Vandalism: Protection against damages caused by vandalism.
• Damage from Falling Objects: Covers damages from falling debris or objects.

• Accessories and Custom Parts/Equipment Coverage
  Covers items or extra equipment installed on your snowmobile that aren’t factory-installed, such as windshields, special paint, engine performance equipment, skid plates, storage bags, GPS, and safety apparel like helmets.
• Accident Benefits provides benefits in case of death, funeral expenses, disability, and caregiving for the driver and their family.
• Roadside Assistance
  Offers support if you get stranded on the trail due to issues like a dead battery or mechanical problems. Coverage includes towing and transport to the nearest repair facility.
• Transport Trailer Coverage
  Covers repairs or replacement if the trailer used to haul your snowmobile is damaged, stolen, or totalled.
• Uninsured/Underinsured Motorist Coverage
  Protects you or your passenger if you’re hit by an uninsured or underinsured driver, covering bodily injury, property damage, and financial losses.