
Subscribe to our newsletter to receive exclusive content on personal finance
[sibwp_form id=1]
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.
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.
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.
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.
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.
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.
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.
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.
Subscribe to our free newsletter and receive personal finance content every week