When the first snow hits, most people reach for a shovel, but snowmobile owners reach for their keys. Whether you ride casually on the cottage trail or spend weekends carving fresh powder, gearing up your sled for winter takes more than a tune-up and a tank of fuel. The right prep also includes making sure your coverage is as ready as you are.
A lot lot of riders assume snowmobiles are automatically covered under home or auto insurance. (Spoiler: they’re not.) In Ontario, a snowmobile is treated like a motor vehicle, which means it needs its own insurance policy and specific protection before you ever roll onto a public trail.
Here’s what every rider should know before the season officially begins.
First Things First – Can I Just Add My Snowmobile to My Auto Policy?
Technically yes, many insurers allow you to insure your sled on your existing auto policy, but there’s a catch. While bundling can secure a discount, it doesn’t mean coverage is “shared” with your car. The snowmobile still carries its own limits and protections, just delivered through the same policy structure.
Think of it as a “roommate” on your auto policy: same address, different needs.
What Coverages Actually Matter?
The most important coverages to consider aren’t just for damage to the sled – they protect you as the rider.
Here’s what should typically be included:
✅ Liability coverage – If someone is injured or property is damaged while you’re riding
✅ Accident benefits – Covers medical expenses and recovery support
✅ Collision/ Comprehensive – If the sled is stolen, damaged, or hit
✅ Optional add-ons – Like coverage for upgrades, helmets, towable sleds, or accessories
Snowmobiles live rougher lives than regular vehicles. They’re exposed to theft, terrain damage, winter hazards, and high speeds in remote areas – which makes proper coverage a must-have, not a nice-to-have.
A Quick Reality Check: Trail = “Public Roadway”
Many riders are surprised to learn that insured means trail-legal. If you’re on a groomed or maintained OFSC trail without insurance, it’s treated the same way as driving a car without coverage, and the fines are just as steep.
Prepping the Sled: Tune-Ups Aren’t Just for Engines
Winter prep isn’t just mechanical. Before the snow piles high, give your sled a full safety refresh:
- Check belts, brakes and fluid levels
- Inspect treads and skis
- Update trail permits
- Confirm your coverage limits (especially if you upgraded your machine since last year)
Because nothing ruins first-ride excitement faster than a breakdown, except a claim that isn’t covered.
Bonus: Why Bundling Helps
If you already insure your car or home with one carrier, bundling your snowmobile often comes with discounts and simplified claims handling. If something happens on the trail, that one connection keeps everything streamlined – especially if a tow, injury, or equipment replacement is involved.
Ride Smart. Ride Protected.
A snowmobile isn’t just a winter toy – it’s a powerful machine that comes with real responsibility. With the right insurance, you can ride worry-free and focus on what you bought it for: adventure, fresh powder, early mornings, night rides, and the thrill of a wide-open trail.
If you’re planning to add a sled this season or want to confirm your current coverage is still the right fit, our team can walk you through the options and bundling opportunities. Contact us now to get ahead of the season and ride with confidence.
