How much is snowmobile insurance in Ontario?

Ontario has over 30,000 km of snowmobile trails and over 150,000 sleds registered in the province. Whether you’re an experienced sledder, or just thinking about it, we’ve got amazing options for you. Rates start at a few hundred dollars a year and can go over $1,000 for some sledders. Read our blog for more rate info. Good to know: Your driving record affects your snowmobile insurance, and your sledding record affects your car insurance. If you have any questions, call us. 1-800-731-2228

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Bundle and save on snowmobile insurance

Move your auto or home insurance over to us and save 20% on snowmobile insurance and 5% on the rest. As an insurance outlet and supermarket for over 70 of Canada’s top insurance companies, we have access to some of the best snowmobile, home and auto rates in Ontario. You never have to shop around again, we’ll do it for you and take care of all the details. If your sled is registered and you’ve got a valid driver’s license, we can get you insured today for less than you think. 1-800-731-2228

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Good to know: What does snowmobile coverage include?

We’ve listed some snowmobile starter coverages below, but basic plans don’t include coverage for collision which covers accidents, if you’re at fault, and comprehensive which covers you if your sled is stolen, vandalized, or damaged while you’re not riding it.

Liability
coverage

Coverage if you’re in an accident where someone is hurt or you cause property damage. It also covers legal fees and court awarded damages if you’re sued.

Accident
benefits coverage

Covers physiotherapy, massage, chiropractic treatments and more if you’re injured while sledding. It can also cover lost income for you and your family, if you miss time from work.

Damage to your
snowmobile

If another sledder or driver is responsible for an accident that causes damage to your snowmobile, direct compensation property damage coverage can pay to repair or replace it.

Uninsured
rider coverage

If you’re hurt by a sledder without insurance, or if they cause damage to your snowmobile or property, you can still be covered. If you have any questions about any of this stuff, call us.

Can I insure a snowmobile without a licence and other good things to know

Anyone can ride a snowmobile on their own property.

To ride on common trails (maintained by regional snowmobile clubs), you must have:

  • A permit showing the vehicle is registered with the Ministry of Transportation
  • A valid insurance slip
  • A valid trail permit (purchase at ofsc.ca)

and either:

  • A valid Ontario driver’s license (must be 16+); or
  • A valid motorized snow vehicle operator’s license (must be 12+)

Note that only sledders with a valid driver’s license may drive their snowmobile across a public road.

Unfortunately, not at this time. If you cancel in the summer, you won’t save any money. If you pay your premium monthly and try to cancel when the riding season is over, you will still owe money for the term of your policy. It’s just like motorcycle insurance, except the seasons are flipped.

A motorized snow vehicle operator’s license (MSVOL) is a license that allows you to operate a snowmobile if you are at least 12 years old and do not have a driver’s license. To get one, you need to take an online course and pay a $40 one-time fee.

Unfortunately no. Although you can ride with an MSVOL – only riders over 16, with a valid driver’s license, can buy snowmobile insurance in Ontario. If you have children over 12 with their MSVOL you can add them to your snowmobile policy.

The short answer is yes. You can theoretically ride without a helmet on your own property, but it’s not a great idea. On common trails, helmets are the law.

A ticket for riding without a helmet is equivalent to a speeding ticket in Ontario. If you get convicted, it will affect what you pay both for snowmobile and auto insurance.