While the arrival of a heavy snowfall is far from delighting most people, you are thrilled at the mere thought of it! Why ? Because you have an excellent reason to love winter: your snowmobile! Snow-covered trails as far as the eye can see, powder snow galore, nature, fresh air: now that’s true peace of mind! To help you enjoy peace of mind during your getaways, Assurances Multi-Risques would like to share a few tips for reducing your ski-doo insurance premium. That way, your itinerary will be your only concern!
Insuring your snowmobile: with whom?
Did you know that you can insure your car with one insurer and your snowmobile with another that specializes in recreational vehicles? Being insured with two insurers may seem complicated, but here’s an analogy that will help you understand why: would you feel comfortable buying your snowmobile from a dealer specializing in bicycles? Well, you shouldn’t be comfortable with the idea of insuring it with an insurer who doesn’t claim to be an expert in the field either! In addition to being knowledgeable, an insurer with expertise in this type of vehicle will allow you to maximize your insurance coverage in the event of a claim.
Now that you know how to optimize your coverage, here are a few quick tips to lower your premium:
- Have a good driving record and claims history;
- Increase your deductibles;
- If you own several snowmobiles or recreational vehicles, insure them with the same insurer to benefit from a multi-vehicle discount.
- Have an anti-theft 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? In general, members can save $50 this way. However, we recommend that you check with your insurance agent or broker beforehand to find out how much you can save. in snowmobile insurance.
- Contact an independent insurance broker who specializes in this area.
The snowmobile season is short, so you need to take advantage of it right away! To avoid getting stuck on the phone with your insurer negotiating, consult an independent insurance broker who will shop around for insurance on your behalf. Not only will you save time to hit the snowy trails, but you’ll also benefit from their advice and get the best value for your recreational vehicle, regardless of its engine power.
Now, start your engines and drive safely!
Have a great snowmobile season!