Snowmobile
Did you know? In Quebec, the law requires you to purchase civil liability insurance with a minimum coverage of one million dollars for your snowmobile.
However, civil liability is not everything! AMR offers several other types of protection, such as replacement insurance and equipment and accessories insurance. We know that it is the true enthusiasts who know how to take advantage of the winter season and to take advantage of it, you have to be suitably protected.
Types of coverage and options
Multiple coverages tailored to your situation.
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Civil liability
Third party liability coverage is mandatory for all vehicle owners. This coverage follows you every step of the way and protects you in case of accidental damage caused by your vehicle to other people or their vehicles. We recommend that you increase your third party liability coverage if you drive outside Quebec and Canada.
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All risk
All risk coverage includes your third party liability, comprehensive, and collision and upset. This is the most comprehensive coverage of all.
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Collision or upset (impact with a vehicle)
As the name suggests, this coverage insures you in the event of a collision with another vehicle or in the event of an upset. With this coverage, the cost of repairing and replacing your vehicle due to property damage (based on the value on the day of the loss) will be covered. is coverage applies if you collide with another car, with the ground, with an object on the ground or if your vehicle is overturned.
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Comprehensive incidents
This type of coverage insures your vehicle for loss or damage that is not caused by a collision with another vehicle. What types of incidents are covered? eft or attempted theft, vandalism, damage caused by falling trees or objects, damage caused by an animal (including a collision with a deer) and damage caused by lightning, high winds, rising water, earthquakes or fires.
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Equipment and accessories insurance
This coverage compensates you in the event of death or dismemberment. This protection covers your medical expenses and total disability if you suffer bodily injuries in a car accident.
Other option
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Replacement insurance
This protection covers the replacement of your vehicle in the event of a claim. Two options are available to you. You can choose to replace your vehicle with another of equivalent value or obtain financial compensation of equivalent value for the purchase of a vehicle of your choice.
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Replacement cost insurance
This coverage allows you to replace your property that has been damaged without deduction for depreciation. The premium will be determined based on the new value. It is important to be aware of the exclusions mentioned in the contract.
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Loss of use
This coverage applies if you are deprived of your vehicle following an accident for which you are not responsible or if a serious breakdown prevents you from using your vehicle.
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Life & health insurance and medical expenses
This coverage compensates you in the event of death or dismemberment. This protection covers your medical expenses and total disability if you suffer bodily injuries in a car accident.
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Roadside assistance
This coverage ensures that you have access to roadside assistance in the event of an accident or breakdown. In addition to roadside repairs, roadside assistance may also include towing, unlocking doors, jumping the battery, installing a spare tire and providing fuel.
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Legal assistance
Legal insurance allows you to benefit from financial assistance so you can quickly access legal services from the lawyer of your choice. With the goal of offering you peace of mind, this additional coverage will ensure that your fees are covered.
Answers to your questions
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What is the minimum age to insure a snowmobile?
In Quebec, the minimum age to insure a snowmobile is 16. However, drivers under the age of 18 must obtain permission from their parents or guardians before purchasing snowmobile insurance.
In addition, drivers under the age of 18 may be subject to restrictions on the power or engine size of the snowmobile they can drive. As these requirements may vary depending on the insurer, your AMR insurance broker will ensure that you meet them so that you are adequately protected.
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What documents are required to insure a snowmobile?
To insure your snowmobile, you can contact an independent AMR insurance broker by calling 819-791-1791. The broker will assess your needs based on how you plan to use your snowmobile, then compare offers from different insurers to find the best coverage at the best price for you.
After that, you will of course need to pay your premium (annually, monthly, etc.) and obtain your proof of insurance, which you must keep with you at all times when riding your snowmobile.
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How do I insure a snowmobile?
To insure your snowmobile, you can contact an independent AMR insurance broker by calling 819-791-1791. The broker will assess your needs based on how you plan to use your snowmobile, then compare offers from different insurers to find the best coverage at the best price for you.
After that, you will of course need to pay your premium and obtain your proof of insurance, which you must keep with you at all times when riding your snowmobile.
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Is snowmobile insurance mandatory?
Snowmobile insurance is mandatory in Quebec. In accordance with Quebec’s Off-Road Vehicle Act, all snowmobile owners must have civil liability insurance of at least $500,000 to cover damage caused to others in the event of an accident. This insurance must be in effect at all times when operating a snowmobile.
Tips and advices
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Snowmobile Insurance: Make Sure You’re Covered This Winter!
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Vehicle to be stored? Notify your insurer!
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Does your Credit Score Affect your Insurance Premiums?
Why choose us?
When you choose AMR Assurances Multi-Risques, you’re opting for a team of insurance experts. More than just brokers, we are advisors who have your best interests at heart.
Our primary mission is to represent you with various insurers and to offer you a product that meets your needs. And because life moves fast, we negotiate to get you the best insurance contract at the best quality-price ratio to guarantee you peace of mind.
Don’t wait any longer!
We’re passionate about insurance
We compare the best protections
We speak your language
To put one’s foot in it,
whatever the situation, we know what that means.
Don’t panic!
We’re here to help you.
What we also know is that when you’re in trouble, you want to find a solution quickly.
Life is easier with AMR.