Manitoba may be the only place in the world where you can talk about snowmobile insurance year around. Of course, we are kidding, but there is nothing better than a fresh dump of snow and a calm clear day to head out on the machine. At Guild/HMS Insurance Group we have brokers who are snowmobilers themselves and because of this, they know the coverage you need on your sled. Whether you are just cruising around the great Manitoba trails or exploring other parts of Canada. We make sure you have the right coverage so that you can take the time to appreciate the great outdoors and Enjoy the View!
Snowmobile insurance offers extended coverage for personal injury, damage to your machine, and legal liability. Insurance coverage is important because it protects against being sued for causing injury to someone else, as well as the financial set back of machine repairs or replacement.
Manitoba Snowmobile Insurance
A snowmobile is a recreational vehicle and in Manitoba, all snowmobiles are required to be registered with Manitoba Public Insurance. Only two-thirds of the 25,000 snowmobiles registered annually in Manitoba have coverage beyond the basic insurance. Basic insurance carries a $500,000 minimum third party liability coverage. As a snowmobile owner, you might not even realize what the basic limits of coverage are until you submit a claim. Did you know your basic auto insurance injury protection is not included within the basic snowmobile insurance policy? Once you understand the protection offered through basic insurance, you should then decide whether or not to purchase extended coverage. With three snowmobile insurance companies, we offer competitive snowmobile insurance quotes. All three insurance companies specialize in providing extension insurance products.
Snowmobile Insurance Coverages
There are a number of different snowmobile insurance extension coverage options available. Including Physical Damage, Accident Benefits, Liability Insurance and a Rider Plus – extended coverage. As a snowmobile rider, you never plan on having an accident…..but it happens we want you to have the right coverage.
HOW DOES IT WORK?
Snowmobiling is great fun, but it can be a risky winter sport for a number of reasons. Weather conditions and snow cover can cause visibility issues making it difficult to detect hazards such as rocks, stumps or open water. Accidents happen and these accidents can result in personal injury, damage to your machine or harm to other snowmobiler’s or someone elses personal property.
If you have adequate snowmobile insurance, you will be covered if another person files a claim against you for damages or injuries caused. If you have a collision, you will be able to file a claim for your injuries and damage to your sled. You may also file a claim if your snowmobile is stolen.
How To Start a Guild/HMS Snowmobile Policy
Click Get a Quote
Enter in your contact details
Tell us about your sled
Submit your quote request and let one of our brokers take care of the rest
Is registering my snowmobile the same as registering my car?
The short answer is No. Basic snowmobile insurance does not cover theft, damage to your snowmobile or injuries from an accident. You will need to buy these extended coverages separately. You also only get one license plate rather than 2 when you register your car.
Are there any similarities in registering my snowmobile to registering my car?
The answer is Yes. To register your snowmobile you just need to stop in at one of your local Autopac broker’s office. Also, your snowmobile registration renewal is at the same time as your car registration. You also receive $500,000 in third-party liability coverage with your basic Autopac coverage. In a collision, this will cover you against other peoples’ claims for property damage.
Do all snowmobiles need to be registered?
There are a few situations where you wouldn’t need to register your snowmobile.
- You ride your sled on your property only
- You don’t live in Manitoba and you have current registration in your home province
- If you’re a licensed dealer and you use a dealer plate on your snowmobile
- You operate your snowmobile within the remote community you live in
Are there any financial risks I may face from a snowmobile accident?
Yes, there are a few financial risks you may need to think about if you are in a snowmobile accident.
Registering your snowmobile doesn’t give you automatic injury coverage. If you don’t have Accident Benefits you would need to pay for any disability, medical treatments, permanent impairment out of your own pocket.
Claims made by others against you
Or if you have an accident and cause injury or damage to another property while operating your sled, you could be sued. If you only go with the basic $500,000 coverage that may not be enough to cover you against a serious injury claim.
Your Own Sled
Another financial risk you may want to consider is if you were to lose your machine without any compensation. With the Autopac basic coverage, your sled is not covered for damage or theft. Could you afford to replace your machine?
What extension coverages should I buy to protect my family, myself and my snowmobile?
Physical Damage Coverage
We offer 2 different types of physical damage coverages. Comprehensive which is All Perils excluding upset or collision or All Perils coverage which includes upset or collision. Both of these coverages provide coverage for theft and fire without any restrictions, all losses are subject to a $500 deductible. The maximum physical damage limit is up to $40,000 on sleds.
Accident benefits helps cover injury costs resulting from medical treatments, disability and rehabilitation.
With an Accident Benefits extended coverage, you’re insured for your injuries or death from:
- Getting on or off an sled
- Being struck down or run over by any sled
- Riding or operating on any snowmobile including colliding with something
- Other occupants or operators of your snowmobile are insured for their injuries or death
There are three levels of optional extension insurance coverage available to choose from: $1million, $2million or $5million. Third party liablity insurance offers protection against claims someone makes against you for injuries or property damage.
Other Snowmobile Coverages Available
- Riding Gear
- Lock Re-keying (when keys are stolen)
- Travel Protection and Loss of Use
- Safety and Maintenance Equipment
- Reward Coverage
- Liberalization Clause
- Optional Accidental Benefits and Search & Rescue Expense Coverage
HOW MUCH WILL IT COST
A lot of people wonder how much a snowmobile insurance policy will cost. People often start their insurance shopping by asking relatives or friends what they pay for their snowmobile insurance. Whether you are purchasing snowmobile insurance because you want to protect yourself and your investment or because it’s a requirement, the cost is an important consideration. Because so many factors go into determining the rates, it’s important to work with a broker who can get insurance quotes from various insurance companies. The cost to insure your sled will vary depending on the coverage you buy and the type of machine you own.
Things that will help determine price will include:
- Value of your machine: If your machine is used and less expensive to replace your insurance costs may be lower than if you bought a brand new machine.
- The make and model of your machine: Each machine make or model can cost a different amount to repair or replace so each sled is rated slightly different.
- The intended use of the machine: Will you be using the machine for pleasure riding or will you be using it for racing
- The deductible limits you choose: To lower your premium you can increase your deductible. Generally, you will have the option to go with $100, $200 or $500 deductibles. Just make sure that when it comes to making your first claim you can pay that deductible amount out of pocket.
- Liability Insurance limit: Your premium will be adjusted based on the liability insurance limit you choose. Generally, you will have the option to go with $1million, $2million, or $5million.