Snowmobile / Ski-doo

A registered snowmobile with active plates insures the owner and operator against third-party liability up to $200,000. Damage to your snowmobile and other personal injuries while operating the unit isn’t covered under the licence plate program.

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Liability coverage protects you financially from the pain of a nasty lawsuit if you are held responsible for compensating others for damage to their property or person. We highly recommend getting a liability policy, primarily when operating a higher-risk vehicle like a snowmobile, for if there is an accident that causes injury or death to someone else or damages someone’s property, you’ll need more than the standard $200,000 included under the licence plate program.

Did you purchase your unit brand new? Ask our team about which insurers offer replacement coverage for new ATVs. Got Toys for example offers this coverage on brand new units (as long as it is purchased within 120 days from the delivery date of the unit). It expires 24 months after the date of delivery; a copy of the bill of sale must be provided and the unit insured for 100% of value.

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Protect your investment against direct and accidental damage from an upset or collision. Add comprehensive coverage for risks such as fire, lightning, hail and vandalism. You face significant risk when you put that snowmobile away for storage in the winter. We can help mitigate your loss due to theft by having it insured on a policy.

Ski-doos are high-risk vehicles. Sometimes personal health insurance may not provide adequate coverage for medical expenses, disability, loss of income or death resulting from operating a snowmobile The risk of severely injuring yourself while using it is not something to be ignored. Ask an advisor about adding Accident Benefits to your insurance policy to provide coverage to help cover such risks.

Disability coverage replaces some of your income if you can’t work because of an injury or illness. The idea is to help you keep your standard of living the same until you can return to work. This monetary benefit will continue until the benefit period ends or you return to work.

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