While some people are planning their next trip, you’re thinking about your next snowmobile adventure! Your patio furniture has been put away for a while now, so it’s time to dream about the snowy slopes you’ll be hitting in the coming months.
To ensure your peace of mind during your outings, AMR Assurances Multi-Risques is sharing a few tips on how to properly insure your snowmobile and lower your insurance premium.
Where should you go for snowmobile insurance?
As independent insurance brokers, the AMR Assurances Multi-Risques team is dedicated to shopping for the insurance that best suits your needs.
Someone may have told you that it’s best to combine your insurance policies to save money. However, when it comes to insuring vehicles like snowmobiles, it’s best to deal with an insurer that specializes in insurance coverage for these vehicles. This will ensure that you get the best quality for the price and have access to adequate protection. Choosing an independent insurance broker gives you peace of mind!
Insurance and the law
In Quebec, you are required by law to carry a minimum of $1 million in liability insurance. This protection is mandatory, even if your snowmobile is in storage. It guarantees compensation in the event of material or bodily injury caused by your vehicle.
Which insurance coverage you should choose
Your insurance policy may include a wide variety of coverage options. These include collision or upset coverage, which is optional and will cover property damage to your snowmobile in the event of an accident. It is also important to insure your snowmobile for potential damage caused by fire, water, vandalism and theft. This is called comprehensive coverage and it is also optional, but it will save you a lot of headaches!
Additional coverage can be added to your insurance contract, such as legal insurance, personal insurance, replacement insurance or towing.
To make an informed choice, contact an independent insurance broker. The AMR Assurances Multi-Risques team will advise you on the various products offered by specialized insurers.
Tips for lowering your insurance premium
A few simple things can help you reduce your snowmobile insurance premium. Since our mission to bring you peace of mind, we’re sharing our secrets with you!
Like with any type of insurance, a good driving record with no late payments will guarantee that your insurance record is in order. What’s more, by increasing your deductibles, your insurer will consider that you will contribute more financially in the event of a future claim, which will lower your premium. If you own several snowmobiles, insure them with the same insurance company. You will receive a multi-vehicle discount.
Installing an anti-theft system or a tracking system for your snowmobile will also help lower your premium. Finally, become a member of the Fédération des Clubs de Motoneigistes du Québec; you will receive discounts with your trail access card! These are little things that can save you a lot of money!
The AMR Assurances Multi-Risques team is here to advise you!
Winter is going by fast. To enjoy your snowmobile in complete safety, contact our team and experience the power of our brokers.