Snowmobile Insurance
The Right Insurance That Keeps You Gliding On Smooth Trails.
- Protect your snowmobile plus additional equipment subsequently installed
- Know you're properly covered when you are out on the trails
- Rev on with peace of mind
The minimum snowmobile coverage required for Ontario snowmobile insurance includes:
Bodily Injury Liability (medical expenses for an injured third party) and Property Damage Liability (repairs or replacement for damaged property)
Protects you and your estate from paying for medical treatment, rehabilitation, funeral expenses, income replacement, and death benefit, up to policy limits
Direct Compensation
If your snowmobile is damaged and you are not at fault and the other party is identified and insured in Ontario, covers repair or replacement
Uninsured Snowmobile Coverage
Compensates for medical and funeral costs and may cover snowmobile damage when the at-fault party is uninsured or committed a hit-and-run
There are a handful of possible coverages to provide further protection for your snowmobile:
Collision or Upset Coverage
If you collide with a vehicle or other object and your snowmobile receives damage, collision or upset coverage will give you the financial protection you need
Specified Perils Coverage
In the cases of hail, flood, fire or theft, specified perils coverage will ensure you are compensated
Comprehensive Coverage
Broader catch-all coverage for ways you could incur a cost with your snowmobile that aren't covered by collision or upset coverage or specified perils coverage
| Snowmobile | APPROX. PRICE (per year) |
| Yamaha Sidewinder | $400 - $1,000 |
| Ski-Doo Tundra | $300 - $900 |
| Polaris Titan | $300 - $1,000 |
| Artic Cat F7 | $400 - $1,000 |
Tell us about your insurance needs and current coverage.
We shop multiple trusted insurers to find coverage that fits your needs and budget.
Review your options, choose what fits your needs, and get your policy started, often the same day.
Serving all of Ontario, our brokers are available in every region. Find the closest office to you.
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Our licensed brokers help clients throughout Ontario — virtually, by phone, or in person.
Can Snowmobile Insurance Be Part of A Bundle In Ontario?
Bundling home and auto insurance policies with the same provider can be a great way to save money. Both standalone and bundled are good choices for insurance when it comes to your snowmobile coverage. Suppose you prefer a standalone policy for Ontario snowmobile insurance, or it is the option that makes the most sense for your particular insurance needs. In that case, it's a perfectly valid choice. Bundling your snowmobile insurance with your home or auto insurance policy is also possible, and you may get a small discount by avoiding the standalone surcharge. But whether to go with a standalone or a bundle should consider what offers the best coverage. Not sure what to do? Consult a knowledgeable broker at Morison Insurance who can determine the best course of action to ensure you have all the snowmobile insurance coverage you need.
Is snowmobile insurance mandatory in Ontario?
Yes and no. If you only use a snowmobile on your own property, you are not legally required to have Ontario snowmobile insurance. However, if you are taking your snowmobile onto someone else's property or are going on public property such as a marked park, trail you are required to have your snowmobile insured. Personal private property and property operated for business or commercial reasons count for the purpose of being on someone else's personal property. For these reasons, most snowmobile users will require snowmobile insurance to cover their vehicle use.
Who is eligible for snowmobile insurance in Ontario?
Almost anyone with a license to legally operate a snowmobile can be eligible for Ontario snowmobile insurance. There are multiple ways one can become legally able to handle a snowmobile. People aged 12 to 15 with a motorized snow vehicle operator license are eligible. Anyone over 16 years of age with a valid driver's license is also able to operate a snowmobile. However, the eligibility and rates of each individual will be assessed based on factors such as their past claims history and how they choose to use their snowmobile. For example, racing is not an activity that is covered under a typical snowmobile insurance policy.
Do I need snowmobile insurance if I only use it on my own property?
You are not required to have snowmobile insurance in Ontario as long as the registered snowmobile owner is driving only on their own private property. However, the person driving the snowmobile must be the owner of the property. If you take a shortcut via the shoulder of a public road, that is not permitted without snowmobile insurance. If your cousin visits and rides on your property, that is not permitted because the snowmobiler is not the property owner.
Can I get snowmobile insurance that's only active during the winter?
Even though it's a winter-specific machine, snowmobile insurance in Ontario is issued on yearly policies, so they can't be suspended in the spring and renewed again in the fall.
Where can I drive my insured snowmobile?
You can legally drive an insured snowmobile on your own property or someone else's private property (with their permission). You may also drive them on private trails belonging to organizations that have issued you a valid trail permit, and in specified public areas that permit it. You may NOT drive your snowmobile on the pavement of public roads or the plowed shoulder.
