Get snowmobile insurance to safeguard your ride
Canada’s snowy landscapes create endless opportunities to explore by snowmobile, from groomed trails to remote backcountry. But changing conditions, accidents, theft and liability risks can quickly interrupt the ride. Snowmobile insurance helps protect your sled and your financial security, while a Navacord advisor can help you find coverage tailored to where and how you ride.
Protection for every winter ride
Key snowmobile insurance coverages
A snowmobile policy can combine several types of protection, each designed to respond to a different kind of loss. Depending on your province or territory and the options you select, coverage may help with third-party claims, accident-related benefits, repairs to your sled or losses caused by theft, fire and other insured risks. A Navacord advisor can help you compare available options and build protection around your sled’s value, where you ride and how you use it, so your policy is ready for the Canadian winter ahead.
Third-party liability coverage
Helps protect you financially if you are responsible for injuring someone or damaging their property while operating your snowmobile. It may also help cover eligible legal defence costs and settlements, up to your policy limit.
Accident benefits coverage
May provide eligible medical, rehabilitation, caregiving, funeral or income replacement benefits after a snowmobile accident, regardless of who is at fault. Available benefits and requirements vary by province or territory.
Collision coverage
May help pay to repair or replace your snowmobile after a covered collision with another vehicle, snowmobile or object, or if the sled overturns, subject to your deductible and policy limits.
Comprehensive coverage
Helps protect your snowmobile against covered non-collision losses such as theft, fire, vandalism, hail, falling objects or certain weather-related damage.
Specified perils coverage
Covers only the risks specifically named in your policy, which may include theft, fire or certain natural hazards. It can offer more limited protection than comprehensive coverage.
The importance of insuring your snowmobile
Snowmobile insurance helps protect more than your machine. An accident, injury, theft or property damage claim can lead to significant out-of-pocket costs, even when you ride only on private property. The right coverage can help protect your financial security and provide added confidence throughout the riding season.
Insurance, registration, licensing, age and trail-permit requirements vary by province, territory and riding area. Coverage is often required when operating a snowmobile on public land, designated trails or roads, while different rules may apply on private property. Before you ride, confirm the current provincial or territorial requirements and any local trail-system rules.
Beyond meeting legal requirements, a dedicated snowmobile policy can help protect you against liability claims and eligible losses involving collision, theft, fire or vandalism, depending on the coverage selected. A Navacord advisor can explain the options available in your province or territory and help tailor protection to your snowmobile, riding habits and risk tolerance.
The Navacord advantage
Local support with access to more options
Get personalized guidance from a local Navacord advisor who understands the snowmobile insurance requirements and riding conditions in your area. Backed by national expertise and strong insurer relationships, we’ll compare available options and help tailor coverage to your snowmobile, how and where you ride, and the protection you need.
Learn from our snowmobile insurance experts
