Ski-Doo / Snowmobile Insurance | Harvard Western Insurance

Protect your Snowmobile with Off-Road Vehicle insurance that is just as passionate about your adventures as you are.

We understand you live for the ride, so let us help you plan for the most epic winter possible! Get started on your snowmobile insurance quote and protect what matters most.

Click on one of the below topics to unpack your ski-doo insurance:

Registration Coverage

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.

LEARN MORE

Liability Coverage

To be liable means simply that you are found to be legally responsible. If you are liable for injury to someone or found responsible for damage to another’s property, you can be sued for damages. Accidents happen, and if one does occur and you’re deemed negligent, you could find yourself with a hefty settlement. This type of insurance is essential because it helps protect you from financial losses that may occur due to a lawsuit.

Get Quote

Replacement Coverage

Did you purchase your unit brand new? Ask our team about which insurers offer replacement coverage. 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 delivery; a copy of the bill of sale must be provided, and the unit must be insured for 100% of its value.

Get Quote

Coverage Options

Add comprehensive coverage for risks such as:

Fire
Lightning
Hail
Theft and vandalism

You face significant risk when you put it away for storage in the winter.

Personal Injury

If you’re injured on a snowmobile, you may wonder how you’ll be able to cover your injury costs. Make sure to get insurance to cover your injuries and future costs. Sometimes personal health insurance may not provide adequate coverage for medical expenses, disability, loss of income or death that results from operating a dirt bike. The risk of severely injuring yourself while using a snowmobile should not be ignored.

Disability Coverage

Disability coverage replaces some of your income if you can’t work because of an injury or illness. This monetary benefit will continue until the benefit period ends or you return to work. It can help you and your family pay for necessary expenses like your mortgage, car payments, utilities, groceries, etc.

product Page

How much can snowmobile insurance benefit you?

Unless you possess the means to replace or repair your snowmobile independently, it is imperative to have insurance coverage that can mitigate the risks associated with collisions, fire incidents, theft, and other unforeseen circumstances. By obtaining this type of insurance, you also ensure financial protection if you cause harm or damage to another individual’s property or vehicle while operating your snowmobile.

Get Quote

Need to register your snowmobile plates or get a permit?

Let us take care of your registration plate renewal as your SGI issuer. MySGI services allow you to enjoy hassle-free registration renewal online so you can skip the line:

Renew Vehicle Registration
Purchase 24 Hour & 8 Day Permits

MYSGI SIGN IN

Whether you have a fifth wheel, tent trailer, or any other type of RV, get the insurance you need.

Make the most of the short summer by exploring your local area in your RV. When purchasing an RV camper or utility trailer, it’s crucial to prioritize its safety and security. This is where our tailored auto insurance comes into play. Our coverage protects both on and off-road adventures, providing peace of mind for your valuable assets. Don’t leave anything to chance – get trailer insurance today!

Product Page