Snowmobile insurance
What different types of coverages are available?
When it comes to auto insurance, there are basic coverages you can take out along with additional protections.
Enjoy a worry-free ride with BC ASSUR!
Snowmobiling is a popular activity for outdoor enthusiasts! On or off the trail, it’s a special experience for many tourists and thrill lseekers.
Our job at BC ASSUR is to give you the peace of mind to fully enjoy your snowmobiling adventures, knowing your vehicle is covered in the event of loss or damage. Thanks to our knowledgeable brokers and many partnerships with various insurers, you have access to a wide range of coverages. We’ll give you expert advice and get you the best snowmobile insurance at the best price.
Quebec is known for its endless winters. From November through to April, our cities, forests and mountains are blanketed with towering piles of snow.
Most Quebecers are used to winter weather and take full advantage to practise their favourite sports. Activities like ice hockey, snowboarding and ice canoeing have all become a part of our province’s culture.
But the ultimate winter activity for those who can’t get enough of the great outdoors is snowmobiling. There’s nothing like a long snowmobile ride to enjoy the fresh air and take in the beauty of the Quebec countryside!
Give us a call us to find out all about the snowmobile coverages we offer or request an online quote in just a few clicks!
Appelez-nous dès maintenant pour connaître tous les détails concernant votre assurance motoneige, ou faites votre soumission d’assurance motoneige en ligne en seulement quelques clics!
Even more benefits with BC ASSUR!
There are many ways to combine your insurance to save on your overall coverage.
Besides offering their expertise, our brokers will also let you know about all the discounts offered by the various insurers we work with and help you find the best combination for your needs and budget.
With BC ASSUR, you’re just a phone call away from a complete overview of your needs, market prices and the discounts available from all our partners.
At BC ASSUR, our specialized brokers make sure you know about all the products our insurance partners offer and give you the guidance and advice you need to choose the right coverages for you.
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Get a snowmobile quote:
Get a snowmobile insurance quote
Whether you’re a novice or pro, snowmobile insurance is a must for protecting you in the event of loss or damage.
When you get a snowmobile insurance quote, you’ll find out everything you need to know about permits, different types of snowmobiling and the coverage you need.
You’ll also get an estimate of your snowmobile insurance premium, based on the type of model you have, your equipment and accessories, and the coverages you choose.
Our specialized BC ASSUR brokers are here to thoroughly explain everything and offer you the best snowmobile insurance available from our various insurers, so you can hit the trails with complete peace of mind!
Types of snowmobiling:
Types of snowmobiling:
Trail
If you’re a snowmobiling newbie, it’s best to stay on groomed trails. There are well-maintained, signposted trails for tourists and for less experienced snowmobilers who want to safely enjoy this winter activity.
Off-trail:
Experienced snowmobilers looking for more challenge and thrills can enjoy off-trail riding on authorized public land.
Permit:
To legally drive a snowmobile, you must have a trail permit, which you can purchase online from the Fédération des clubs de motoneigistes du Québec (FCMQ). You also have the option to add basic third-party liability insurance, which is mandatory for all snowmobile drivers.
The trail permit consists of a sticker to place on the left side of the hood of your snowmobile, and a receipt or copy of membership that you must have on you when you ride the trails, as it may be requested at any time.
You can choose between an annual or daily permit, depending on how often you plan to use your snowmobile, which gives you access to 33,000 km of groomed trails to enjoy.
If you want to loan your snowmobile to others, you’ll also need to contact the FCMQ for information on permits.
Permit without insurance:
You also have the option of buying only a permit and purchasing your mandatory snowmobile liability insurance separately from an insurer of your choice.
Get your snowmobile insurance quote online now or call one of our brokers at 1-866-482-0999. They’ll be happy to help you.
Coverages available
Enjoy the thrill of snowmobiling, knowing BC ASSUR has got you covered!
If you want to insure your snowmobile, there are basic coverages you can take out along with optional protections.
Basic coverages:
Mandatory liability coverage:
If you’ve just bought a snowmobile, an important first step is taking out legally required liability insurance from a minimum of $1,000,000. This insurance covers losses, such as bodily injury or property damage, caused by your snowmobile.
You must have this proof of insurance on you when you’re driving your snowmobile, as it can be requested at any time by a trail warden, police officer or provincial agent.
All perils:
Covers all types of losses that can cause damage to your snowmobile and to equipment and accessories.
Collision or upset:
Covers damage caused by impact with another vehicle or if your snowmobile flips over. Also covers damage to equipment and accessories and includes vehicle breakdown.
Comprehensive:
Covers you in the event of theft, fire, vandalism, hail or a broken windshield.
Specified perils:
This coverage is more limited to specific risks such as theft and fire.
Optional coverages:
There are additional coverages you can take out that offer extra protection in the event of a claim. You can add endorsements to your basic snowmobile insurance policy, such as:
Waiver of depreciation:
In the event of a total loss claim, this endorsement offers replacement value if your new snowmobile is stolen or damaged beyond repair, depending on the coverage you choose (2, 3 or 4 years).
Roadside assistance:
Another endorsement you can add to cover breakdowns, fuel delivery, boosts and even towing expenses if you’re unable to use your snowmobile due to a covered loss.
Personal effects:
You can also protect personal belongings transported in your snowmobile in the event of a claim by adding this special endorsement.
Request a quote
If you want to know more, our brokers will be happy to thoroughly explain everything.
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