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Time to hit the trails – Get insured with one call
Ontario has 30,000 km of snowmobile trails, and there are approximately 150,000 sleds registered in the province. Whether you’re an experienced sledder, or just thinking about it, you need snowmobile insurance before you get out there. And we’ve got lots of options for you.
The M&W advantage:
- Save a bundle by bundling: Move your auto and/or home insurance over to us with your snowmobile, save 20% on the sled, and 5% on the rest.
- The most choices: Some brokers just work with two or three insurance companies. We work with all the best snowmobile insurance companies in the province, so we’ll be able to get you the best combination of price and coverage available.
- Standalone snowmobile insurance: If your sled is registered and you have a valid driver’s license, we can get you insured today for less than you think.
What insurance do I need for my snowmobile in Ontario?
Technically, you can go sledding on your own property without insurance, but before you hit the trails, Ontario law requires that you have the following insurance coverage:
- Third-party liability (TPL) coverage – This is insurance in the event that you’re at fault for an accident that causes injury to someone or damages their property. The minimum coverage level is $200,000, but you really need $1 or $2 million. The additional cost is well worth it.
- Accident benefits (AB) coverage – This coverage pays to get you better (physio, massage, chiropractic etc.) if you get injured while sledding, and provides certain benefits for you and your family if you have to miss time from work.
- Direct compensation – property damage (DCPD) coverage – If another sledder or driver is responsible for an accident in which your sled is damaged, DCPD coverage pays to repair or replace it.
- Uninsured automobile (UA) coverage – Typically, if another sledder or driver is responsible for a collision that injures you or damages your sled, you can claim certain benefits via their TPL coverage. If the sledder is uninsured, underinsured or unidentified, you can claim similar benefits via uninsured auto coverage. M&W recommends increasing the policy limit from $200,000 to $1 or $2 million.
It’s usually a good idea to get more than the minimum coverage for your snowmobile.
- Collision coverage – If you crash your snowmobile and you are at fault, this coverage will pay to repair or replace your sled, subject to your deductible.
- Comprehensive coverage – If your sled is stolen, vandalized, or otherwise damaged while you’re not riding it (fire, falling tree, etc.), this coverage will pay to replace or repair it, subject to your deductible.
Of course, just like with auto insurance, you have several options to pay a little more to enhance your coverage. Mitchell & Whale strongly recommends $2 million in TPL and UA coverage, but in most cases, our brokers will advise you to stick with the standard limits for other coverages.
How much is snowmobile insurance in Ontario?
Premiums can start as low as a few hundred dollars a year, but can also run up over $1,000 for younger sledders with less than perfect driving/sledding records. Remember that your driving record affects your snowmobile insurance, and your sledding record affects your car insurance.
As with any motor vehicle insurance, snowmobile insurance is considerably more expensive for younger, less experienced sledders, and costs come down as you build up years of clean experience. That means no tickets and no claims. The cost of your insurance also depends on the horsepower of your sled.
Snowmobile insurance FAQs
Anyone can ride a snowmobile on their own property.
To ride on common trails (maintained by regional snowmobile clubs), you must have:
- A permit showing the vehicle is registered with the Ministry of Transportation
- A valid insurance slip
- A valid trail permit (purchase at ofsc.ca)
- A valid Ontario driver’s license (must be 16+); or
- A valid motorized snow vehicle operator’s license (must be 12+)
Note that only sledders with a valid driver’s license may drive their snowmobile across a public road.
No. If you cancel in the summer, you won’t save any money. In fact, if you pay your premium monthly and try to cancel when the riding season is over, you will still owe money on your policy. It’s just like motorcycle insurance, except the seasons are flipped.
No. Although you can ride with an MSVOL, only riders over 16, with a valid driver’s license, can buy snowmobile insurance in Ontario. If your children over 12 have their MSVOL and also use the sled, you can add them to your policy.
The short answer is yes. You can theoretically ride without a helmet on your own property, but it’s not a great idea. On common trails, helmets are the law.
A ticket for riding without a helmet is equivalent to a speeding ticket in Ontario. If you get convicted, it will affect what you pay both for snowmobile and auto insurance.
Going sledding tomorrow? Get insured today!
Snowmobile insurance rates are generally very affordable when compared to those for cars and trucks, and especially motorcycles. The best way to get a good deal is to combine insurance for your sled with your home and auto insurance, but we can get you great coverage and competitive rates regardless. Give us a call today! We’ll be happy to go over all your options, and get your insurance squared away in one phone call.