As the cold weather has descended in Windsor - Essex County and beyond, many snowmobilers are getting ready for their favourite winter activity. However, it is important to have the proper insurance coverage to ensure worry-free fun.
Here are some reminders for seasoned riders and those new to snowmobiling.
The Insurance Bureau of Canada recommends having comprehensive coverage year-round for seasonal vehicles like snowmobiles. This protects your vehicle against risks like theft, fire, vandalism, and other types of damage while it is in storage.
When your snowmobile is in use, it needs to have mandatory insurance coverage, set out by the province or territory in which you live. This typically includes coverage for third party liability, direct compensation property damage, and accident benefits.
You can also opt for additional coverage like collision, specified perils, and all perils coverage, which are similar across Canada.
If you only use your snowmobile on private property, you are not required to have third-party liability coverage. However, it is still recommended to have coverage to protect against unexpected events.
To ensure you have the right coverage, you can usually add your snowmobile to your existing auto insurance policy or home insurance policy. Consult with your insurance broker to find the best fit for you.
In addition to insurance coverage, it is important to be aware of the rules and regulations for driving a snowmobile in your province or territory. In Ontario, for example, anyone can drive a snowmobile on their own property. To drive on recreational trails or across public roads, you must have a valid Ontario driver's license or a motorized snow-vehicle operator's license (MSVOL). To obtain an MSVOL, you must successfully complete a snowmobile driver-training course.
Visitors to Ontario must have a valid license from their home province/territory, state, or country. It is also important to register your snowmobile with the Ministry of Transportation and carry your driver's license or MSVOL when driving your snowmobile. Liability insurance is required if you plan to drive your snowmobile off your own property.
It is also important to wear a helmet, as it is required by law on common trails and not safe to ride without one. Riding without a helmet can result in a ticket and potentially affect your insurance premiums.
Having the proper insurance coverage and following the rules and regulations for snowmobiling in your area will ensure a safe and enjoyable winter season. Please reach out to us if you have any questions about your snowmobile insurance. 519-736-8228