Snowmobile / Ski-doo Insurance

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Get Snowmobile insurance and start a quick quote today!

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.


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. 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.

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.


Comprehensive Coverage

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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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.

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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.


How much does snowmobile insurance cost?

You live for the thrill of the ride, but accidents can happen anywhere. Protect your investment with insurance that is as invested in your adventures as you are. Let our advisors help you find the best rate for coverage for your ski-doo by quoting different insurers and helping you understand the coverages available to add.

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snowmobile insurance

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.


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Protect your trailer, camper, or RV with insurance.

When investing in an RV camper or utility trailer, you’ll want to ensure it stays safe and secure. That’s where our customized auto insurance comes in. Our coverage lets you know that your investments are protected on and off-road. Don’t take any chances with your valuable assets – get trailer insurance today!

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utility trailer insurance

Don’t wait until it’s too late. Protect your snowmobile with Personal Property Insurance today.

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