Understanding snowmobile insurance in Quebec.
Understanding snowmobile insurance in Quebec.

It is essential to take out snowmobile insurance if you love riding the trails on your snowmobile.

Indeed, it is important to have adequate protection for yourself, your snowmobile, and third parties in the event of an accident or damage.

In this article, Compare Insurances Online will explain everything you need to know about snowmobile insurance including prices, the different insurance companies, and products available.

Whether you are a seasoned snowmobiler or just starting on this hobby, get the key information you need to ensure peace of mind on the snowy trails of Quebec. 

If you want to see how much snowmobile insurance costs, fill out the form on this page, free of charge and with no obligation.

Why do you need snowmobile insurance?

Accidents involving outdoor activities in winter.

As an owner of a snowmobile, you have the responsibility of taking out civil liability insurance to cover bodily injury or damage to property caused by your vehicle.

The policy must have at least $1,000,000 in coverage according to the Act for off-highway vehicles. Failure to comply could mean fines of $375 to $750.

This is mandatory for all snowmobile drivers. Liability insurance is for compensation of any property damage or bodily injury you cause in an accident with your snowmobile. It can also cover repairs to your vehicle if you are not at fault in the accident. It can also protect anyone who rides your snowmobile.

The Société de l’assurance automobile du Québec (SAAQ) does not compensate for injuries or damage caused by a snowmobile or other off-road vehicles. A private insurance company can compensate for the damage or injury based on the terms of the insurance contract.

Make sure you have adequate protection by taking out the right snowmobile insurance from our network partners. Fill out the form on this page to get FREE and NO-OBLIGATION quotes.

Insurers with snowmobile insurance products in Quebec

In Quebec, several insurers offer snowmobile insurance tailored to the needs of drivers. Here are some of the principal insurance companies offering this type of coverage:

La Capitale Insurance

La Capitale Insurance is one of the most well-known insurers in Quebec. It offers a full range of snowmobile insurance products. They offer customized coverage options and competitive rates to meet the specific needs of snowmobilers.

Intact Insurance

Intact Insurance is another reputable insurer that offers snowmobile insurance products in Quebec. Their insurance policies provide comprehensive protection. This includes liability, property damage, theft, and bodily injury.

Desjardins Insurance

Desjardins is a popular insurance company in Quebec. It offers a variety of insurance products, including snowmobile insurance. Their policies cover property damage, bodily injury, and liability.

Promutuel Insurance

Promutuel is a well-established insurance company in Quebec. It also offers snowmobile insurance tailored to the needs of snowmobilers with flexible coverage options and competitive rates.

SSQ Insurance

SSQ Insurance also offers snowmobile insurance products in Quebec. Their policies cover property damage, liability, and bodily injury. 

Aviva Insurance

Aviva is a reputable insurance company that offers a wide range of products including snowmobile insurance. They offer flexible coverage options and competitive rates to meet the needs of snowmobilers.

TD Insurance

TD Insurance is another option to consider. They offer custom snowmobile insurance products with extensive coverage options to protect your snowmobile against property damage, theft, and bodily injury.

The Co-operators Insurance

The Co-operators is an insurance company offering competitive packages for snowmobile insurance. Their products include liability coverage, property damage, theft, and bodily injury. 

RSA Insurance

RSA Insurance also offers snowmobile insurance products in Quebec. Their insurance policies provide comprehensive protection including liability, property damage, theft, and bodily injury.

Which company is the best for snowmobile insurance? You can compare multiple quotes to find the right one that suits your needs. Get free quotes using our short online form today!

Snowmobile insurance products available in Quebec

In Quebec, various snowmobile insurance products are available to meet the specific needs of drivers including: 

Liability insurance:

This is compulsory basic coverage that protects against damage caused to others in the event of an accident. It covers bodily injury and material damage caused to third parties.

Material damage insurance:

This optional coverage protects your snowmobile against damage caused by collisions, fire, or water damage. It can also cover snowmobile accessories and equipment.

Theft insurance:

This option protects your snowmobile against theft and acts of vandalism. It can reimburse you in the event of a complete theft or damage caused during an attempted theft.

Personal injury insurance:

This optional coverage provides financial protection in the event of bodily injury sustained in a snowmobile accident. It can help cover medical bills, lost income, and rehabilitation costs.

Towing insurance and roadside assistance:

This optional coverage assists in the event of a breakdown or the need to tow your snowmobile. It may include services such as towing, fuel delivery, or on-site repair.

Accessory and equipment insurance:

This optional coverage protects specific accessories and equipment added to your snowmobile such as navigation systems, heated seats, and storage bags. 

Average prices for snowmobile insurance in Quebec

In Quebec, the price of snowmobile insurance can vary considerably depending on various factors. 

Here are some key things to consider when evaluating the costs associated with snowmobile insurance:

The snowmobile model

The cost of snowmobile insurance will vary depending on the model, brand, and power of the snowmobile. Newer and more powerful models can have higher premiums due to higher repair costs.

The Driver’s age

The driver’s age is one of the important factors taken into account by insurers. Younger or less experienced drivers may be considered higher risk which may result in higher premiums.

Driving history

Driving history plays a role in determining the price of insurance. Drivers with a clean driving record, with no accidents or violations, can qualify for lower premiums.

Geographic location

The area in which a snowmobile is used can also influence the cost of insurance. Indeed, some regions may present higher risks due to difficult weather conditions. 

Coverage options

Insurance rates vary depending on the coverage chosen. For example, liability coverage alone will be less expensive than more comprehensive coverage that includes protection against property damage, theft, or bodily injury.

Insurance deductible 

The deductible refers to the amount one has to pay before the insurer covers the insurance claim. A higher deductible can reduce the cost of insurance premiums. This also means that you will have to pay a larger share of the costs in the event of a claim.

Knowing the factors that affect the cost of your snowmobile insurance premiums can help you qualify for lower rates.

Consider choosing a higher deductible and keep your driving record clean to benefit from low insurance rates.

Find out what your options are by requesting free and no commitment quotes for snowmobile insurance!

FAQS on snowmobile insurance in Quebec

Enjoying snowmobile adventures with peace of mind.

Snowmobiling is a very enjoyable winter activity.  But just like any activity involving a vehicle, you must be aware of your insurance requirements.

Snowmobile insurance is important protection for snowmobilers. If you are looking for the right policy, use the following FAQs to guide you in your decision-making.

Do I need a comprehensive snowmobile insurance?

A standard liability insurance protects you from a claim in the event that you cause injury to someone or damage to another person’s property. This coverage can only cover the repair to your vehicle if you are not at fault.  For this reason, it is useful to get a comprehensive snowmobile insurance to cover repairs to your vehicle, even if your vehicle is completely wrecked in an accident where you are at fault.

How much do I need for snowmobile civil liability insurance?

The Act requires snowmobile drivers to own a minimum of $1 Million civil liability insurance. You can choose a higher amount or get a comprehensive snowmobile insurance for enhanced protection.

What is the minimum age to operate a snowmobile in Quebec?

A driver of a snowmobile in Quebec must be at least 16 years old, regardless of their residence.  Young divers (16-17) must possess a certificate of competence from ConduiPro driving schools. If from outside of Quebec, young drivers must have a snowmobile operator’s certificate issued by their own State.

Does the SAAQ provide insurance for snowmobiles?

Even if you pay to register a snowmobile, you are not insured by the SAAQ. It does not provide coverage for accidents related to snowmobiles. A private insurance policy is mandatory.

The exception for SAAQ is only for accidents with a snowmobile driver and a moving automobile.

What is Chapter B of snowmobile insurance?

Chapter B of a snowmobile insurance policy covers damage to your snowmobile. It offers 4 kinds of coverage (optional):

  • All risks: Covers damage to your snowmobile, equipment, and accessories due to any type of risk.
  • Collision or upset: Pays for damage to your snowmobile, equipment, and accessories in the event of collision or rollover.
  • Risks other than collision or upset: Pays for damage to your snowmobile in the event of theft, fire, hail, etc. 
  • Specified risks: Pays for damage to your snowmobile due to risks specifically named in the policy. 

Where should you buy snowmobile insurance?

When insuring a snowmobile or other off-road vehicle, it is better to deal with an insurer that specializes in this type of insurance.  You can get the best prices and the best coverage by consulting an independent insurance broker who can shop around for your best options.  You don’t pay extra for a broker’s services and you get more competitive premiums while you save time and money.

Does my snowmobile insurance cover me outside Quebec?

Snowmobile insurance is required in provinces across Canada but the rules and coverage requirements vary.  Make sure to check the guidelines if snowmobiling outside Quebec. You should also check the fine print of your snowmobile insurance policy as the terms and conditions vary among insurers.

Get free snowmobile insurance quotes in Quebec

You can compare snowmobile insurance prices and products to enjoy Quebec’s winter trains with peace of mind!

Just fill out the short online form below and receive no-commitment quotes from reputable insurers in your area.

Our partner brokers will be happy to look for the best policies and prices you can compare without any charge! This means you can get the best premiums in less time and effort.

Save time and money!

Compare Insurances Online is an online bid solicitation service for insurance brokers and direct insurers. Our network of partners covers Quebec: Montreal, Quebec, Laval, Longueuil, Sherbrooke, Trois-Rivières, Gatineau, etc. All types of insurance are available for all kinds of budgets.