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The 3 things to know about insuring your snowmobile

1. SNOWMOBILE INSURANCE: WHAT THE LAW SAYS

Under the law—the Act respecting off-highway vehicles to be precise—all snowmobile owners must hold at least $500,000 in civil liability insurance. You are required to purchase this insurance from a damage insurer to cover any bodily injury or property damage your vehicle could cause to others.

Penalty for violating the act: If you violate this requirement, you could be fined between $375 and $750. 

The recommended amount of coverage: It is recommended that you opt for $1 million in civil liability coverage. 

2. SNOWMOBILE INSURANCE: HOW TO PROTECT YOURSELF IN THE EVENT OF INJURY

Keep in mind that, a few exceptions aside, the Automobile Insurance Act does not provide for any compensation in case of bodily injury in a snowmobile accident. As a rule of thumb, if you are held responsible for injuries caused to another person, it is your insurer that will handle the claims. 

What if you are injured? It’s up to you to take out sufficient coverage to protect yourself. 

3. SNOWMOBILE INSURANCE: HOW TO PROTECT YOUR SNOWMOBILE?

If your snowmobile is seriously damaged in an at-fault accident, fire, theft, etc., you’ll want to repair it. To help get your snowmobile back up and running, you’ll need insurance that covers damage caused to your vehicle. Insurers offer a variety of coverage options, and you need to speak to your insurer to find the right insurance for you. These specific types of coverage are listed in Chapter B of your insurance contract. 

Now that you are well informed, there’s just a few more weeks before you can get out and start enjoying the new snowmobiling season! 

Author: Promutuel Assurance

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