Alberta Snowmobile Insurance

Get comprehensive snowmobile insurance in Alberta with Acera Insurance today

One of the greatest things about living in Canada, and Alberta, is the several months each year when our stunning landscape is blanketed in snow. Some people dislike it, but many Canadians have learned to embrace it.

In fact, countless Canadians earn their livelihood during the colder months. Sled dog tourism, snow sports, sledding, skiing, snowboarding, winter festivals and games — and, of course, snowmobiling — are all popular activities.

Insuring a snowmobile requires a unique personal insurance policy, unlike those for other recreational vehicles. Proper snowmobile coverage takes into account how you use your snowmobile, the type you own, where you store it, and more.

Purchasing snowmobile insurance is a careful process, best undertaken with the guidance of an expert snowmobile insurance broker from Acera Insurance.

If you need snowmobile insurance to protect your valuable assets, look to us. We are happy to provide you with a free, personalized snowmobile insurance quote at a competitive rate. Give us a call to connect with one of our expert brokers or click the “get a quote” button to start the process online.

Why you should consider buying snowmobile insurance in Alberta

If you don’t purchase snowmobile insurance in Alberta, you may be limited to using your snowmobile only on your own property. While this situation might be acceptable for some, especially those with plenty of land, there are still important considerations. Legal liability remains a concern, and you could be exposed to significant financial losses if you need to repair or replace your snowmobile. Even on private property, there is always a risk of loss.

If you take your snowmobile on public property, you need insurance and the respective snowmobile registration and class 5 driver’s license. Your insurance policy, in this instance, must include a minimum $200,000 public liability and property damage insurance. You will also need to obtain an Alberta Snowmobile Association membership.

If “legality” wasn’t a consideration, then we would still highly recommend the purchase of insurance. It protects your physical assets, your legal liability, your financial security, and your peace-of-mind. For many, it’s not even a question. Bought a snowmobile? Get insured.

What does snowmobile insurance cover?

Your standard snowmobile insurance policy should include public liability and property damage insurance if you plan to take it off private property. Snowmobiling generally comes with its fair share of risks, being a relatively free opportunity to explore any snowy or icy terrain.

Canada has its fair share of beautiful icy wilderness, but it also has the potential for bodily injury, property damage, and other issues. Having the correct insurance coverage for your recreational vehicles can give you tremendous peace of mind.

Also, remember that there’s a difference between mandatory vs. optional insurance in Alberta. If you are unclear on how to insure your snowmobile such that it complies with Alberta’s auto insurance regulations, ask a broker.

Third-Party Liability

Liability coverage defends the policyholder against claims of damages to property or bodily injured suffered in a snowmobile crash. It can also cover costs pertaining to a potential lawsuit, such as examination expenses, court defense, and any other legitimate charges pressed against you by civil courts.

Accident Benefits

Accident benefits will be required of you if you plan to take your snowmobile off private property and onto public terrain. It may cover any resulting medical expenses that are needed for the treatment, assessment, and even rehabilitation of injuries caused in a snowmobile accident that Alberta’s health plan otherwise does not cover.

It may also include coverage for fatality-related expenses, such as grief counselling and funeral benefits, or coverage if someone is severely disabled in the event, such as total disability income benefits and income replacement.

Physical Damage

Physical damage coverage exists in multiple forms: it can exist in collision or upset coverage, which covers any damages to your snowmobile because of crashing into another vehicle or into something else (like a post or a guardrail.)

It can exist as specified perils coverage, which covers a limited number of predetermined risks. It can also exist as comprehensive, which covers most non-collision related events, like theft, vandalism, and fire.

Finally, all perils combination, which tends to be the most common, is a combination of collision or upset and comprehensive coverage.

Ensuring you have the proper snowmobile insurance means protecting the way you use your snowmobile, understanding its intended purpose, and complying with all relevant Alberta regulations and requirements. Choosing adequate coverage can seem complex, but Acera Insurance handles this process with expertise. We are always available to answer any questions you may have.

How much does snowmobile insurance in Alberta cost?

Snowmobiles are not cheap. The cost of a snowmobile starts at $1,000 and can go upwards of $15,000. The actual price depends on engine performance, model year, miles, etc. And then, of course, there’s the necessary riding gear, obtaining a valid driver’s license and snowmobile registration, maintenance, and insurance.

Snowmobile owners in Alberta do not necessarily have to pay high insurance premiums. However, understanding the factors that influence the cost of your policy can help you better manage your rates. While insurance costs may differ between providers, the factors discussed below are generally consistent across the industry.

The cost of snowmobile insurance in Alberta may be impacted by the following:

• Your years of riding experience
• Your age
• The value of the snowmobile
• The engine size
• The make and model
• All tickets against you
• At-fault accidents
• Postal code
• Insurance history

The easiest way to see how much you will pay for your policy is to get a quote.

Alberta Snowmobile Insurance FAQs

While there really is nothing like heading out on the trails during the winter to whip through the forests and across open fields on your snowmobile, having a better understanding of your snowmobile insurance policy can really go a long way.

Snowmobiling always has its risks, so being aware of your coverage can mean better preparation for when things do go wrong.

Here’s some frequently asked questions to expand your awareness of the different things your snowmobile insurance in Alberta can cover.