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Comprehensive Snowmobile Insurance Coverage Solutions with LMBF

The average snowmobile nowadays costs a hobbyist some $10,000, which is nothing to shake a stick at. Given the money that a snowmobile might cost someone or their family, having the right coverage for your hobby vehicle is critical. LMBF helps you find comprehensive snowmobile insurance plans for your treasured vehicle. Whether you’re looking to go hit the fresh powder for some fun times once the snow falls or you use your snowmobile for hunting and trapping, there are a lot of reasons why people treasure their vehicles. Start with LMBF and get a free snowmobile insurance quote today.

Third-Party Liability

Third-Party Liability

A standard snowmobile insurance policy includes liability insurance, which is vital if you use your snowmobile on public land or tracks. This coverage will protect you in the event you cause injury to someone unintentionally or accidentally damage their property. Any motorized vehicle should have the bare minimum for liability coverage if they are used on public terrain.

Comprehensive & Collision

Comprehensive & Collision

Comprehensive coverage is designed for reimbursing snowmobile owners for damages as a result of non-collision accidents, like fires, theft, vandalism, etc. Collision, on the other hand, is designed to cover your snowmobile if you get into an accident with another vehicle or a stationary object, like a tree or fence. Both of these coverages are optional to include with your existing snowmobile insurance.

Accident Benefits

Accident Benefits

Accident benefits provides coverage in the event of your unexpected death or serious injury while operating your snowmobile. It can offer compensation for your dependents or family for funeral expenses, loss of income, and more.

  What snowmobile insurance covers
  • Accident benefits
  • Third-party liability
  • Uninsured motorists
  • Loss of use
  What snowmobile insurance excludes
  • Intentional damages
  • Certain modifications
  • Street racing
  • Tickets and infractions

Do you need to have snowmobile insurance?

As long as you are operating your snowmobile on public terrain, it must be insured. This goes for any motorized vehicle that is used on public roads or public land, and even some that are not. Even if snowmobile insurance is not mandatory for your circumstances, it is still highly recommended that you at least purchase a base amount of liability insurance to protect you in the event you should accidentally injure someone else or damage their property.

Types of Insurance for Snowmobiles & Recreational Vehicles

Should a claim ever happen, we want you to know that LMBF’s snowmobile insurance brokers are here to be your advocate. Of course, the process can also go a lot smoother if you are aware of what basic snowmobile insurance coverage you already have. Snowmobile insurance and insurance for the general list of recreational vehicles tends to look very similar. See below for some of the standard snowmobile insurance options, in addition to several optional add-ons. Should you have any other questions, discuss them with a snowmobile insurance broker from LMBF.

Comprehensive coverage

Comprehensive coverage

  • Fire
  • Theft
  • Vandalism
  • Falling objects
Third-party liability

Third-party liability

  • Bodily injury
  • Property damage
  • Pedestrians
  • Passengers
Collision coverage

Collision coverage

  • Repairs
  • Restoration
  • Accidents with objects
  • Accidents with other drivers
Full replacement

Full replacement

  • Replacement snowmobile
  • Resources for new snowmobile
Loss of use

Loss of use

  • Temporary replacement
Accidentrating waiver

Accidentrating waiver

  • At-fault accidents
  • Premium increases
Uninsured automobile

Uninsured automobile

  • Rehabilitative treatment
  • Loss of life
Accident benefits

Accident benefits

  • Rehabilitative treatment
  • Loss of income
  • Medical treatment
Roadside assistance

Roadside assistance

  • Mechanical breakdown
  • Towing
Replacement cost

Replacement cost

  • Indemnification without depreciation
Off-road vehicles

Off-road vehicles

  • Liability insurance
  • Unlicensed private-property ATVs
Motorhomes

Motorhomes

  • Liability insurance
  • Collision and comprehensive
  • Replacement cost

Our Snowmobile Insurance partners

Your snowmobile is a considerable investment, used or new. You want it protected - and LMBF helps you do that through its partnerships with some of the top insurance carriers around. Snowmobile insurance is a cinch thanks to our connections with the industry’s leading experts. From the moment you purchase snowmobile insurance, you have an advocate who will guide you through getting the lowest snowmobile insurance rates while helping negotiate on your behalf should you ever need to make a claim.

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Want to Get Started on Your Snowmobile Insurance? Start with a Snowmobile Insurance Quote.

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Snowmobile Insurance in Quebec: Frequently Asked Questions

A: Snowmobile insurance can be as little as $100/year up to a few hundred, depending on the total coverage you purchase. Overall, your premiums will vary depending on how often you use your snowmobile and for what, your insurance history and driving record, the make and model of your snowmobile, where it is stored and used, your deductible, coverage options, and more. Overall, the riskier of a user you are, the higher your premiums may be.

A: Not usually. Home insurance may cover accessories and appliances that are not motorized or able to be driven on public roads, meaning your recreational vehicles, motorized boats, ATVs, skidoos, and snowmobiles will require separate insurance.

A: Snowmobiling can be hazardous, especially when the snow can cover up all those unexpected “bumps and lumps” on the trails you’re riding down. Snow can also cause poor visibility. If you are injured in an accident or your snowmobile is damaged, snowmobile insurance can offer compensation to help repair your bike, pay for loss of income due to a severe injury that makes it impossible for you to work, and for lawsuit expenses as a result of an injury or damages you caused with your snowmobile. Without insurance or adequate insurance, these costs would have to come directly out-of-pocket.

A: Some policies and providers will include coverage for your passengers with your snowmobile insurance policy. If you plan on taking passengers with you for ridealongs, be sure to discuss with your broker beforehand about how your accident benefits may extend to cover your passengers as well as you.

A: It depends on how you use your snowmobile, how often, the make and model of your snowmobile, its age, etc. Your coverage needs vary by usage, so if you are ever uncertain as to how much snowmobile insurance coverage you may need you can discuss with a broker for LMBF for tips and advice.

A: Snowmobile insurance is generally rather inexpensive, especially when compared with a typical auto policy. This is because snowmobiles are less expensive than cars overall, are often used less, and there are less snowmobiles about to get into collisions or bump into. That being said, “cheap” snowmobile insurance isn’t always better. LMBF advises for the best possible coverage at the most affordable rate - not just what snowmobile insurance policy is cheapest. Get in touch with LMBF today to discuss your snowmobile insurance needs.