Snowmobile / Ski-doo

We understand you live for the ride so let us help you plan for the most epic winter possible! That plate registration insurance doesn’t include coverage for any damage or loss to your snowmobile. Want to connect with our team to ensure you are adequately insured for the storm?



Find what you need

Want to learn about your insurance? Click on one of the below topics!

Plate Insurance

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.


Liability Coverage

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.

Replacement Coverage

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.


Theft or Damage

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.

Personal Injury

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

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.


Don’t see what you’re looking for? CONNECT with our expert team, and let us find the right coverage for you!


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