While some people are planning their next vacation, you’re thinking about your next snowmobile ride! With your patio furniture put away for the season, it’s time to start dreaming about the snowy trails you’ll be exploring in the coming months.
To give you peace of mind during your getaways, AMR Multi-Risk Insurance shares some tips on how to properly insure your snowmobile and reduce your insurance premium.
Snowmobile insurance: who should you turn to?
As independent insurance brokers, the team at AMR Assurances Multi-Risques is responsible for shopping around to find the insurance that best suits your needs.
You’ve probably been told that it’s better to bundle your insurance policies to save money. However, when it comes to insuring vehicles such as snowmobiles, it’s best to deal with an insurer that specializes in insurance coverage for such vehicles. This will ensure you get the best value for your money and have access to adequate coverage! Turning to an independent insurance broker means peace of mind!
The law and insurance
In Quebec, the law requires you to take out civil liability insurance for a minimum amount of one million dollars. This coverage is mandatory, even if your snowmobile is stored. It guarantees compensation in the event of property damage or bodily injury caused by your vehicle.
Which insurance coverage should you choose?
Your insurance policy may include a wide variety of coverages. Among these, collision or overturn coverage, although optional, will insure your snowmobile against property damage in the event of an accident. It is also important to insure your snowmobile for potential damage caused by fire, water, vandalism, or theft. This coverage, called “Accident without collision or rollover,” is also optional, but it will save you a lot of headaches!
Additional coverage can be added to your insurance policy, such as legal insurance, personal insurance, replacement insurance, or towing.
To make an informed choice, contact an independent insurance broker! The team at AMR Assurances Multi-Risques will guide you through the various products offered by specialized insurers.
A few tips to reduce your insurance premium
Simple steps can help you lower your snowmobile insurance premium. Since AMR’s mission is to give you peace of mind, we’re revealing our secrets!
As with all types of insurance, a good driving record with no late payments will ensure that your insurance record is in order. In addition, by increasing your deductibles, your insurer will consider that you are contributing more financially in the event of a future claim, which will reduce the amount of your premium. If you own several snowmobiles, insure them with the same insurance company. You will benefit from a multi-vehicle discount.
Installing an anti-theft system or a tracking system on your snowmobile will also help lower your premium. Finally, by becoming a member of the Fédération des Clubs de Motoneigistes du Québec, you’ll enjoy discounts thanks to your trail access card! These are little tips… that can save you big bucks!
The AMR Multi-Risk Insurance team is here to advise you!
The winter season is flying by. To enjoy your snowmobile safely, contact our team and discover the strength of our brokers!