Snowmobile Insurance in Ontario, Canada
Stay Protected on the Trails
Snowmobiles bring excitement to winter, but they also bring risks. At Solutions Insurance Group, we provide tailored snowmobile insurance to keep you, your passengers, and your sled protected — so you can enjoy the ride with peace of mind.
🔎 What Is Snowmobile Insurance?
Snowmobile insurance works like car or ATV insurance. You pay a premium, and your insurer covers certain financial losses if your snowmobile is damaged, stolen, or involved in an accident.
Coverage may include:
- 💰 Repair or replacement of your snowmobile
- ⚖️ Liability if you injure someone or damage property
- 🏥 Medical expenses or income replacement after an accident
- 🚚 Coverage for theft, fire, or weather damage (if optional add-ons are included)
📝 Is Snowmobile Insurance Mandatory in Ontario?
Yes — in Ontario, snowmobile insurance is required by law if:
- You ride your snowmobile off your own property (public trails, roads, or other private property)
- You use it for recreational purposes outside your residence
The minimum requirement is liability insurance of at least $200,000, though many riders choose $1M or more for better protection.
🌟 Optional Snowmobile Coverages You Can Add
In addition to mandatory liability, you can expand your coverage with:
- Collision Coverage – Pays for repairs if your snowmobile is damaged in a crash
- Comprehensive Coverage – Covers theft, fire, vandalism, and weather-related damage
- Accident Benefits – Provides medical, rehab, and income replacement if injured
- Accessories & Equipment – Protects trailers, sled covers, gear, and modifications
- Loss of Use – Pays for a rental or alternate transportation if your snowmobile is being repaired after a covered claim
🛡️ Why Get Snowmobile Insurance Through a Broker?
Our brokers make sure you’re not underinsured by:
- ✅ Meeting all Ontario legal requirements
- ✅ Comparing rates from multiple insurers for the best value
- ✅ Customizing protection for your sled, your passengers, and your riding lifestyle
