Do You Need Snowmobile Insurance in Canada?

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Canada's varied landscape opens roads to several thrilling winter activities, with snowmobiling sitting at the top of the list.

However, before strapping on your helmet and hitting the snowmobile trails or public roads, it's worthwhile to know your snowmobile insurance requirements in Canada.

The necessities change across provinces, while overall, insurance is highly recommended for every Canadian snowmobile owner.

Legal Obligations for Snowmobile Insurance in Canada

Snowmobile insurance coverage requirements vary across the provinces.
In Quebec for example, liability insurance is obligatory to cover possible property damage or personal injury caused to others while operating your snowmobile.
Ontario too mandates a minimum of $200,000 in third-party liability insurance under Section 12 of the Motorized Snow Vehicles Act, assuming your snowmobile is ridden anywhere other than private properties.
In British Columbia (B.C.), every operator of a snowmobile on Crown land should have a valid registration with a number plate/sticker displayed on the vehicle. Users should have a safety-approved helmet and must be at least 16 years old. If you were to cross a ploughed Forest Service Road in B.C., a minimum of $200,000 in third-party liability insurance is required.
Alberta's snowmobile regulations require operators on public land to have a registered snowmobile and a minimum of $200,000 in public liability and property damage insurance. The minimum age to operate a snowmobile independently is 14, and anyone younger requires adult supervision.
In Saskatchewan, a registered snowmobile is required. The registration fee includes the minimum required amount of $200,000 liability insurance. If you were born on or after January 1, 1989, you must complete the Saskatchewan Snowmobile Safety Course.
In Manitoba, for those who want to operate snowmobiles on designated SnoMan Inc. trails, a registration with Manitoba Public Insurance (MPI) and a Snopass purchase is necessary. A minimum of $500,000 liability insurance is included with the registration.

Reasons to Consider Snowmobile Insurance

Beyond legal demands, there are practical justifications for considering snowmobile insurance in Canada. Snowmobiling has its risks that can potentially lead to substantial expenses if the unexpected were to strike.

Protection Against Liability

Just like all motorized recreational vehicles, snowmobiles can cause bodily injury or property damage to others, which can result in expensive litigation. Liability coverage can shield you financially up to the limit of your coverage if you are found at fault in such incidents.

Coverage for Theft and Damages

Comprehensive and collision insurance policies can cover your damages or snowmobile loss due to theft, vandalism, and fires, among others, regardless of who's at fault.

Medical Payments Coverage

Medical coverage or accident benefits coverage compensates for the costs linked to treating injuries sustained in a snowmobile accident. Given the high-speed, high-impact nature of snowmobiling, injuries can be severe, leading to substantial medical bills.

Uninsured/Underinsured Snowmobiler Coverage

On occasion, you may run into a rider who doesn't have adequate snowmobile insurance coverage for damages or injuries. Uninsured/underinsured coverage can help protect you from the financial burden.

Gear up and Ride Through Winter With Confidence

Snowmobile insurance might initially seem like an unwanted addition to your expenses, yet the safety net it provides could translate into invaluable peace of mind and substantial savings in the long run.

However, as a snowmobile driver, insurance isn't the only essential component of an adventure-filled and secure riding experience. You also require a dependable and safe snowmobile that best fits your needs.

This is where FFUN Motorsports comes in. We offer an amazing selection of snowmobiles in Saskatoon, and our team is always ready to answer any questions and guide you toward making the right decision.