Compare snowmobile insurance

You could save hundreds of dollars a year by getting multiple snowmobile insurance quotes


Get multiple snowmobile insurance quotes by answering a few questions

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Get multiple snowmobile insurance quotes by answering a few questions

How to shop for your next snowmobile insurance policy on Hardbacon

Comparing prices from several insurers before choosing a snowmobile insurance policy can usually save hundreds of dollars a year. Here are the 4 steps to take.

Tell us where you are located

The first step is to enter your postal code in the box on the left and click on the “Compare” button. Your postal code will allow us to determine which Canadian province you are located in and redirect you to the right partner.

Tell us more about you

The second step is to fill out our partner's form, which will start by asking you for your contact information and other personal information that is required to obtain snowmobile insurance quotes.

Tell us more about the type of driver you are

The third step is to answer questions about your driving record, and about other drivers who will be using the snowmobile you wish to insure. In this step, you will indicate whether you have a snowmobile certificate of competency and whether you have ever had an accident on a snowmobile.

Tell us more about the snowmobile you wish to insure

The fourth and final step before you can submit your application is to answer questions about the snowmobile you wish to insure. In this step, you will indicate the model, year, and mileage of the vehicle in question.

Here are a few tips to save money on your next snowmobile insurance policy

Join a snowmobile club

By purchasing your trail permit from the Quebec Federation of Snowmobile Clubs (FCMQ), you will be entitled to $1 million in civil liability insurance. Although it is possible to purchase the permit without insurance, the liability policy included in the package is not expensive at all. That said, you will still need to purchase snowmobile insurance directly if you wish to cover your snowmobile in case of theft or an accident.

Group your insurance policies

By insuring all your possessions with the same insurer, you can benefit from additional discounts. Insurers often offer discounts when you insure several vehicles at the same company.

Increase deductibles

One way to save on your snowmobile insurance premiums is to opt for a higher deductible. The basic deductible for snowmobile insurance is between $250 and $500. You may want to increase your deductible to $1,000 in order to save on premiums. However, keep in mind that if you have an accident, you will have to pay a little more when you make a claim.

Protect your snowmobile against theft

Since snowmobiles are easier to steal, installing an anti-theft system may reduce your premiums. Snowmobile shops will be able to offer you a variety of devices. You may also want to store your snowmobile in a locked area to avoid attracting thieves.

Get multiple snowmobile insurance quotes by answering a few questions

Frequently asked questions about snowmobile insurance

How much does snowmobile insurance cost?

Since many factors influence the price of your snowmobile insurance premiums, it is difficult to give an approximate price. Since the snowmobile is unused for a little over six months of the year, your insurer will take this into account and the premium will be lowered. You won't need to call at the beginning and end of the season to save money on storage time.


Is it mandatory to insure a snowmobile in Canada?

A snowmobile must have a minimum of one million dollars of civil liability coverage. Additional coverage, however, is optional. While a million dollars may seem like a lot, a snowmobile accident has the potential to be much more expensive than a car accident. This is because bodily injuries caused by a snowmobile accident are not covered by the Quebec government plan, unlike car accidents.

Is my snowmobile trailer covered by my home or snowmobile insurance?

A trailer, no matter how useful it is, will never be covered by your home insurance. Ideally, your trailer should be insured individually in order to be properly covered. However, in some cases, it may be covered by your snowmobile insurance if an accident occurs while your trailer is attached to your snowmobile. Without trailer-specific insurance, however, you will not be covered in the event of theft.

Can a 16-year-old get snowmobile insurance?

Since the law states that the minimum age for driving a snowmobile is 16, a 16-year-old can purchase snowmobile insurance. However, since insurers consider the risk of accidents to be higher at this age, premiums will be more expensive.

Which Canadian insurance companies provide snowmobile insurance?

Most property and casualty insurance companies in Canada offer snowmobile insurance policies. These include Beneva, Desjardins, Industrial Alliance, Intact and Promutuel.

Do I need snowmobile insurance to drive a snowmobile on a lake?

Just because you only drive your snowmobile on a lake does not mean you are exempt from the legal requirement to have $1 million in civil liability coverage. That said, other coverage is optional, whether you drive on a lake or a trail.

Will a snowmobile accident affect my car insurance premium?

If you are involved in a snowmobile accident, you may receive demerit points on your driver's license. As a result, a snowmobile accident will likely impact your auto insurance premiums at renewal time. Your car accidents will also have an impact on your snowmobile insurance premiums.

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Compare snowmobile insurance


Get multiple snowmobile insurance quotes by answering a few questions

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