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Snowmobile insurance

Ride the trails with confidence this winter with the right snowmobile insurance.

Your snowmobile is part of your lifestyle – you need insurance you can count on!
  • Great protection for you and your snowmobile
    When you're out on the trails, get peace of mind and 100% enjoyment knowing that you're insured with Intact Insurance. Get third party liability protection and coverage for your vehicle with snowmobile insurance. Leave your worries behind with snowmobile protection that’s as well-designed as your snowmobile.
  • Competitive premiums and custom snowmobile insurance coverage 
    With Intact Insurance, have the right protection for your snowmobile. We cover units up to $50,000 and up to 1200CCs and provide physical damage coverage for motorized snow vehicles. Plus, you could get discounts if you already have a private passenger vehicle insured with us!1
  • Outstanding claims experience 
    No matter what happens, we’ve got your back. If you need to file a claim for your snowmobile, our claims team will help you through the process to make it as quick and easy as possible.


There’s nothing like the feeling you get when you head out on trails, across fields and through forests on your snowmobile. You look out for nature and for the people you meet along the way, and you drive carefully. As snowmobiling comes with its share of risks, you can ride more freely and enjoy the ride knowing that you have the proper snowmobile insurance coverage when you're on Canada’s stunning trails this winter.

  • Bodily Injury and Property Damage Coverage protects you if you're responsible for injuring someone or damaging someone else's property in a snowmobile accident.

  • Direct Compensation Property Damage Coverage may cover damages to your vehicle and its contents if another driver is at fault.

  • Statutory Accident Benefits Coverage may compensate you if you, your passengers, or pedestrians are injured in a snowmobile collision, regardless of responsibility. Accident Benefits can be increased to match your individual requirements. For additional information, please contact your broker.

  • Uninsured Snowmobile Coverage protects you in two instances. First, if you are injured in a crash by a driver who does not have insurance. Second, if you are unable to identify the vehicle; for instance, if you were the victim of a hit and run.

  • Optional

    Various levels of physical damage coverage for your vehicle are available, depending on how much protection and coverage you want for your snowmobile:

    • Specified Perils Coverage: Covers your vehicle against a limited number of predetermined risks, like theft, some natural disasters, hail, riots or civil disturbances. 
    • Collision or Upset Coverage: If damages are caused to your snowmobile because you've crashed into something (like a light post, guardrail, or another vehicle), Collision or Upset coverage could cover the cost of those repairs. You may just have to pay the deductible.
    • Comprehensive Coverage: Covers the expenses to fix the damage to your vehicle from unpredictable circumstances such as fire, theft, vandalism, or some natural disasters.
    • All Perils protection: A combination of Comprehensive coverage and Collision or Upset Coverage.


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Bundle and save!

Combine your home, car and snowmobile insurance and take advantage of the exclusive benefits. Get the best value for your money with insurance bundles.2


We insure all kinds of snowmobiles: crossover snowmobiles, touring snowmobiles, trail snowmobiles and utility snowmobiles. With Intact Insurance, you get the right coverage for your snowmobile.

Comprehensive snowmobile insurance coverage protects your snowmobile against physical damage caused by theft and vandalism.

Yes, in Canada, you do need a snowmobile insurance policy in order to use your snowmobile. Without insurance, you may be restricted to driving your snowmobile on your private property. The coverage can vary from province to province. For more optional coverage for your snowmobile and to learn which coverage is available and where, don't hesitate to reach out to your broker.

Yes. In fact, to operate a snowmobile in Canada, snowmobile owners must have a valid driver's license, a motorized snow vehicle operator's license or a snowmobile driver's license from their province, state, or nation with you and their proof of snowmobile insurance to drive on public land.

Regardless of age or skill level, all snowmobile operators must wear an authorized helmet when operating their snowmobile if they aren't riding on their own private property. However, it is strongly advised to always wear a helmet when riding a motorized vehicle such as a snowmobile, no matter if you are using public trails or riding on your private property.

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Talk to a broker

It can be a challenge to find the right type of snowmobile coverage you need on your own. Be sure to reach out to one of the 2,000 insurance brokers we work with across Canada that specialize in finding the best insurance for your snowmobile. Call a broker today and get snowmobile insurance tailored to your needs.

Get a snowmobile insurance quote

Get the best coverage to enjoy the great outdoors with your snowmobile this winter. Find the best snowmobile insurance policy for your needs, starting with getting a snowmobile insurance quote. Getting an insurance quote is the first step to protecting your sled.