Are you the proud owner of a snowmobile? You probably love riding along trails surrounded by nature, and with good reason!
To preserve the peace of mind that comes with these getaways in your recreational vehicle, Assurances Multi-Risques would like to share some useful information with you so that your itinerary is your only concern!
Your obligations
The law requires every snowmobile owner to have civil liability insurance coverage of at least $500,000. This coverage guarantees compensation in the event of property damage and/or bodily injury caused by your vehicle.
Please note that this insurance is mandatory, even if your snowmobile spends the winter in a shed or garage!
Who should insure your snowmobile?
Did you know that you can insure your car with one insurer and your snowmobile with another? That’s right! There are insurers that specialize in recreational vehicle insurance, and it’s in your best interest to do business with them!
In fact, even though this option may seem more complicated, deciding to take out policies with two separate insurers is often more advantageous, contrary to popular belief.
Why? Think about it: would you feel comfortable buying a snowmobile from a bicycle dealer? Probably not!
Therefore, you should not feel comfortable insuring your snowmobile with an insurer that specializes in auto or home insurance! An insurer with expertise in this type of vehicle will allow you to maximize your insurance coverage in the event of a claim.
Lower your premium
Now that you know how to optimize your coverage, here are a few quick tips to lower your premium!
- Be sure to maintain a good driving record and claims history; to do so, drive carefully!
- Increase the amount of your deductibles;
- If you own several snowmobiles or other recreational vehicles, insure them with the same specialized insurer to benefit from a multi-vehicle discount.
- Have an anti-theft device or tracking system installed on your snowmobile;
- Avoid the temptation to reduce certain protections in order to lower your premium.
- Become a member of the Quebec Federation of Snowmobile Clubs to benefit from $1 million in civil liability insurance with your trail access card. *Did you know that you can request to have this insurance removed? Members can typically save $50. However, we recommend that you check with your insurance agent or broker beforehand to find out how much you can save. .
- Contact an independent insurance broker who specializes in this field!
The snowmobile season is short, so don’t wait to enjoy it!
So, to avoid getting stuck on the phone with your insurer and spending hours negotiating, consult an independent insurance broker instead! They will shop around for insurance on your behalf.
So, in addition to saving time exploring snow-covered trails, you can benefit from expert advice and get the best value for your recreational vehicle, regardless of its engine power!
Happy winter season to all snowmobilers!