Get the best snowmobile insurance quotes in Ontario
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All about Ontario snowmobile insurance
While winter riding is supposed to be a time of fun, it also comes with a lot of risks. One implication, such as theft, collision, or even a liability claim, could put you in deep finanical trouble if you don't have the right protection in place – that's where snowmobile insurance comes in.
In Ontario, snowmobile insurance works quite similarly to conventional auto insurance. Standard policies include the minimum provincial requirements, and you'll be able to customize your policy with more tailored, optional coverages.
Is snowmobile insurance required in Ontario?
Yes, it is required in Ontario if you operate the vehicle outside of your private property – this is the case for all different types of snowmobiles, including mountain snowmobiles, touring snowmobiles, trail snowmobiles, crossover snowmobiles, and utility snowmobiles.
Common types of snowmobile insurance in Ontario
Here, we outline the different types of snowmobile coverages in Ontario. While all insurers provide the same types of mandatory coverages, you can ask your insurance company for more details on the recommended and optional enhancements offered.
Third-party liability – This pays for liability claims involving third-party bodily injury or property damage, covering expenses such as legal fees and settlement offers.
Accident benefits – This pays for you and your families medical benefits, such as rehab, dental, and physiotherapy after a snowmobile accident.
Uninsured motorist – In the event you get into a snowmobile accident with a driver who can't be identified (or they don't have an active policy in place), your own insurer can still cover you.
Direct compensation for property damage – Also known as DCPD, this type of coverage ensures you only ever deal with your own insurance company after a collision, regardless of fault.
Collision – This covers the repair or replacement bill for your snowmobile in the event it gets damaged due to a collision with another vehicle or a stationary object.
Comprehensive – This covers the repair or replacement bill for non-collision-related risks, such as theft, falling objects, severe weather, and vandalism.
Specified perils – As a cheaper alternative to comprehensive insurance, you'll only be protected against the risks listed in your policy with specified perils.
All perils – This provides you with full coverage for all risks, unless specifically excluded in your policy – think bundled collision and comprehensive insurance.
Family protection – This provides additional coverage limits for you and your family's accident benefits in the event the at-fault driver doesn't have enough insurance.
Unlicensed operators – Also known as a recreational vehicle endorsement (OEF 32), this coverage extends your policy to unlicensed snowmobile operators, provided the vehicle isn't used on public property.
Equipment coverage – This add-on protects your riding gear and accessories against loss and damage from potential risks, such as theft and vandalism.
Trailer coverage – If you transport your snowmobile in a toy hauler on the roads, you'll also want trailer insurance.
How much does snowmobile insurance cost in Ontario?
While insurance quotes are based on many individualized factors, snowmobile policies can range anywhere between $100 to over $1,000 each year. Be sure to get a snowmobile insurance quote with us to determine the exact rate for yourself.
request a quoteFactors that impact your snowmobile insurance quote
Driver demographics
Snowmobile insurance companies look at your individual profile – including factors such as age, gender, and location – to determine your risk level. The more risk you bring statistically, the more you'll be paying for a snowmobile policy.
Snowmobile make & model
Generally speaking, the more expensive your snowmobile is to repair or replace, the more you'll be paying to insure it. Engine size can also play a big role in the price you're paying.
Driving record
Insurers also look at previous accidents and tickets associated with your license (snowmobile and car). Having a clean history proves you're low risk to insure, making the cost of your coverage cheaper.
Usage behaviour
The more you use your snowmobile, the higher the chance something could go wrong. Therefore, if you're a frequent driver, expect to pay much higher rates than someone who only takes their snowmobile out once a year.
Coverage type
Unsurprisingly, the more types of coverages you add to your snowmobile policy, the more expensive your insurance will be. And setting a higher limit along with a lower deductible will also increase your rate.
Storage
When you aren't operating your snowmobile, you'll want to make sure you store it in a safe space. Parking your vehicle in a private garage can lead to cheaper insurance as it lowers the likelihood of theft.
Applicable discounts
Be sure to ask your insurance company for eligible discounts. Common ways to save include bundling different insurance products or successfully completing a snowmobile training course.
How to get cheap snowmobile insurance rates in Ontario
Compare the market – You won't know which insurance provider offers the cheapest rate until you look at all your available options.
Bundle insurance products – By securing all your auto, home, and snowmobile policies under one insurer, you could be elgible for big savings.
Take a snowmobile course – Some insurers offer lower rates for drivers that graduate from an approved snowmobile course.
Take proactive safety measures – Installing anti-theft devices and storing your vehcile in a private location can help reduce your premium.
Get a group rate – Ask your insurance company about group discounts, including savings for club members, professionals, and alumni.
Keep a clean driving record – A clean record means you're less likely to make a future claim, reducing your rate substantially.
Get Ontario snowmobile insurance quotes today
In just a few steps, you can get customized snowmobile insurance quotes from Canada's top providers – find your lowest rate with us today.
Frequently asked questions
Do you need snowmobile insurance?
Yes, a standard snowmobile insurance policy – including third-party liability, accident benefits, uninsured automobile, and DCPD – is required under the law in Ontario. The one expection to this would be a snowmobile that is only used on the owner's private property.
Are snowmobiles covered under home insurance?
In most cases, no – you'll need to insure your snowmobile on a separate policy. While every home insurance company is different, it's better to be safe than sorry. Providers tend to have provisions and limits when it comes to at-home vehicles.
Do you need a license to drive a snowmobile?
Yes, you do – if you want access to public roads, roadways, and trails.
If you are 16 or older, you'll need either a driver's license, snow vehicle license, or a license from another jurisdiction before you're allowed operate your snowmobile on roads, roadways, and trials.
For those 12 and older, you can operate the snowmobile on trails, provided you have a snow vehicle license or another type of license from a jurisdiction that allows you to do so.