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Snowmobile Insurance

We offer a unique off-road vehicle program that specifically covers snowmobiles for physical damage including fire, theft, vandalism, and collision. Our level of coverage is superior to other providers: we offer Replacement Cost on brand-new machines, no vehicle inspection is required, and you get your choice of deductibles.

Other coverage highlights include:

  • Replacement Cost Endorsement on brand new snowmobiles. For up to 24 months.
  • 15% discount for riders that are 50 years of age or over.
  • 10% safe rider discount for snowmobiles with Snopass and rider is claim-free / traffic conviction free.
  • 5% snowmobile safety course discount (discount applied when snowmobile safety course card is presented – available through snoman.mb.ca) Sign up for the safety course here.
  • Annual policy providing coverage during the riding season and off-season.

Our underwriting guidelines are:

  • No vehicle inspection required.
  • Your choice of deductible: $1000, $750, $500.
  • Replacement Cost Endorsement as per wording and rating.
  • Coverage is on All Perils form for physical damage only. (excluding liability insurance) and is subject to the applicable deductible.
  • Includes breaking through ice and sinking in muskeg.
  • Includes up to $1000 for salvage recovery costs.
  • Includes up to $2000 for accessories.
  • Includes up to $2,000 for Search and Rescue Expense.
  • Surcharges may apply for previous traffic convictions of claims.

Application can be accepted online with a credit card payment; no coverage is in effect without payment in full and approval of your ONE insurance broker.