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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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. No one likes to imagine being sued. But 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.

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We highly recommend getting a liability policy, primarily when operating a higher-risk vehicle like a dirt bike. While Canada may not be known for outrageous personal liability settlements, the cost of these claims is rising. A five-million-dollar case may have been rare ten years ago, but not so much now. With inflation on the rise, the compensatory awards awarded to plaintiffs are also increasing. Keep in mind no lawsuit is a quick fix. Some take years for the court to settle, adding to the bottom line.

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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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. We can help mitigate your loss due to theft by having your ATV insured on a policy.

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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.

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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.

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