Snowmobile Insurance

Frequently Asked Questions

- Snowmobile insurance general info
- Snowmobile safety
- Restrictions


Snowmobile insurance general info

What is covered exactly under my snowmobile insurance?
Snowmobile protection is similar to your automobile protection. Basic coverage, Third Party Liability insurance is mandatory, and you may purchase optional property damage coverages such as Specified Perils, Comprehensive, Collision or All Perils.

Why isn’t a snowmobile considered to be an all-terrain (ATV) vehicle? Shouldn’t my ATV insurance cover this?
An ATV is a different vehicle category with different rules, regulations, and restrictions. Therefore, your ATV insurance does not cover your snowmobile.

Snowmobile Safety

Are there preventative measures I can take to drive a snowmobile safely?
Here are some key measures:

  • Check snow conditions before you leave to ensure that it is safe to ride your snowmobile.
  • Before heading out, equip yourself with the right snowmobile apparel. Make sure you have layers on to protect your body and pay special attention to the wind chill factor. You can reduce frostbite when wearing the proper riding apparel.
  • When starting your snowmobile, point it in a safe direction and start it by kneeling or sitting on the machine.
  • Be sure the throttle isn’t frozen.
  • Make sure your key and safety switches are “on.”
  • When you ride with passengers, remember that you are responsible for their safety. Make sure that they firmly hold the hand grips for passengers.


Are there any reasons why you might not sell me snowmobile insurance?
There are limitations and exclusions, which you can learn about in our Restrictions section.

Can my kids (under 16) drive a snowmobile?
It depends on the province you live in. Please contact your local provincial ministry of transportation office to review licensing requirements for your snowmobile.

In what provinces do you offer insurance for snowmobiles?
Alberta, Yukon, Northwest Territories and Nunavut, Ontario, Quebec or an Atlantic province.

The information and examples provided in this section are intended as general information only. This does not constitute legal or insurance advice, nor does it pertain to determination of fault. In all cases, you should speak to an insurance professional before acting. Your insurance policy contains limitations and restrictions which vary by province and may affect your coverage and/or determine whether or not benefits will be payable.