Snowmobile insurance
Get an online quote to find the best snowmobile coverage for your needs.
With your local Desjardins Agent
If you're already insured with us and you bought your insurance through a local Desjardins Agent, contact them for a personalized snowmobile insurance quote. You can find their contact information in your online account or with our search tool.
Why you need snowmobile insurance
Civil liability insurance is mandatory for snowmobile owners in Quebec. This coverage protects you if you injure someone or damage their property in an accident.
Other legal requirements for operating a snowmobile include a valid driver's licence and all mandatory equipment.
Benefits of insuring your snowmobile with us
Our snowmobile insurance helps you pay repair or medical costs in the event of a claim. We have coverage options that fit your needs so you can hit the snow-covered trails with peace of mind.
Full coverage available
You can choose coverages that protect your snowmobile and its accessories against a wide range of risks including collision, fire, theft and vandalism.
Multi-vehicle discount
By insuring your car or another recreational vehicle with us in addition to your snowmobile, you can save 10% on your premium.
Standalone insurance option
If you don't have car insurance with us, you can insure just your snowmobile.
Convenient online services
If you already have car insurance with us, keep all your insurance in one place by adding your snowmobile to your existing policy. You can then use your online account to manage your policy, update your file and view your insurance documents anytime, anywhere.
Types of snowmobiles we insure
- Touring snowmobiles
- Crossover snowmobiles
- Trail snowmobiles
- Utility snowmobiles
You can find a list of eligible snowmobiles when you get an online quote. Call us if you don't see your make and model.
Our snowmobile insurance coverages
Select a coverage type to see more or scroll down to see them all.
Mandatory coverage
Civil Liability
Section A
Covers:
- Damage to someone else's property from an accident that's your fault
- Bodily injuries caused to someone who isn't covered by the Société de l'assurance automobile du Québec (SAAQ) from an accident that's your fault
- Damage to your snowmobile from an accident that's someone else's fault
Quebecers who are injured or lose their life in car accidents are covered under the public automobile insurance plan. In the event of injury or death from a traffic accident, contact the SAAQ to file a compensation claim.
What coverage amount to get
- Minimum amount for our snowmobile insurance: $1 million
- For added peace of mind, for example if you ride your snowmobile outside Quebec: $2 million
Contact us about what coverage amount is right for your needs.
Common optional coverages
Collision and Upset
Section B2
Covers damage to your snowmobile:
- If you're in an accident with another vehicle or an object
- If your snowmobile rolls over
- If you're struck by a hit-and-run driver
Examples of situations that are covered by this option:
- You back into another vehicle
- You hit a tree or an object while riding
- Your snowmobile skids and tips over while turning a corner
You can choose to skip this coverage, unless your snowmobile is leased or financed and your lender requires it.
All Perils other than Collision or Upset
Section B3
Covers damage to your snowmobile from a range of factors not included in Collision and Upset, such as:
- Fire, theft or vandalism
- Flying or falling objects
- Certain weather events
- Collision with an animal or a person
You can choose to skip this coverage, unless your snowmobile is leased or financed and your lender requires it.
Other optional coverages
Value Plus Option
Endorsement 43
The Value Plus OptionTM keeps your new or used snowmobile from losing value for up to 5 years in the event of total or partial loss.
If your snowmobile is declared a total loss, you'll be paid the price you paid for your snowmobile, increased by an annual percentage.
If your snowmobile is declared a partial loss, we'll pay to repair the damaged parts or replace them with new ones and cover their loss of value.
Get a snowmobile insurance quote
Request an online quote to get your personalized rate, then call us to complete your purchase.
With your local Desjardins Agent
If you're already insured with us and you bought your insurance through a local Desjardins Agent, contact them for a personalized snowmobile insurance quote. You can find their contact information in your online account or with our search tool.
What determines the cost of snowmobile insurance?
Several factors affect the cost of your snowmobile insurance, including:
- Your sled's make, model and year
- Your sled's engine size (cylinder capacity)
- Where you live
- The coverage you choose
Save with our discounts
Save 10% on your recreational vehicle insurance when you insure an additional vehicle with us.
FAQ
Yes. By law, you need at least $1 million in civil liability insurance. Unlike for auto insurance, the SAAQ doesn't cover injuries if you have an accident with your off-road vehicle, unless an automobile is involved.
Here are some tips to save on your snowmobile insurance:
- Compare quotes for different models when shopping for a snowmobile. Vehicles that are newer or have larger engines typically cost more to insure.
- Consider skipping coverages that protect your snowmobile. For example, if your snowmobile is old and has lost much of its value, you might not need coverage that protects it against damage.
- Insure other vehicles with us to qualify for our multi-vehicle discount.
1 - Choose a higher deductible if you're able to pay more out of pocket in the event of a claim.
If your snowmobile was damaged, stolen or involved in an accident, you can file a claim online, in the Desjardins Insurance Home-Auto app or by phone. We're here to help 24/7.
Contact us
Client Relations Centre
Monday to Friday: 8 AM to 8 PM
Saturday: 8 AM to 4 PM
1-888-277-8726 This link will launch your default phone software.