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Snowmobile driving takes place in different areas. Sometimes they are only used on private property. At other times they’re used on public property. The use dictates whether a driver needs insurance for this vehicle.

Public property includes driving across a public road. Or it could be driving along the shoulder of a public road. In many regions, there are public snowmobile trails for driving on.

Private Property Use


Driving a snowmobile on private property means there are no mandatory insurance requirements.

Public Road Use

Some snowmobile operations take place on public roads. It also takes place crossing public roads and public trails. In this case, then there is a mandatory insurance requirement. Keep in mind that each province in Canada has its own set of rules.

Driving the snowmobile on public roads may be allowed. Also using trails or crossing public roads is often permissible. The driver must be sixteen years of age or older. Plus, have the appropriate license.

A Valid Licence

To operate the snowmobile on public property, you need to have the proper licensing. It can consist of…

  • A recognized driver’s license
  • An operator’s license to operate a motorized snow vehicle
  • If the driver is from another jurisdiction, they must have a license. A license for that jurisdiction.

Twelve Years and Older

These individuals can drive a snowmobile on a trial provided

  • a) They have an operator’s license to operate a motorized snow vehicle
  • b) A valid license from some other jurisdiction.

Acquiring a Motorized Snow Vehicle Operator’s Licence

snow vehicle

To obtain this license, individuals must pass a snowmobile driver-training program. The Ontario Federation of Snowmobile Clubs offers this program. They have the authority to issue the license. Students who complete the course successfully will receive this license.

Mandatory Insurance Requirements

Just as their mandatory insurance requirements for driving an automobile. The same applies to snowmobile drivers. It does not apply to those who are only going to operate this type of vehicle on private property.

Third-Party Liability Coverage:

If you’re required to have insurance, you will have to have third-party liability coverage. What this covers is if another person were to become injured or killed. As a result of your driving a snowmobile. The minimum amount of coverage you can have is $200,000.

Statutory Accident Benefits Coverage:

It is not uncommon for an individual to become injured in a snowmobile accident. The extent of these injuries can vary. They can require various types of additional medical care. They may need to go to rehabilitation. Or they may need someone to care for them during their recovery. Also, they may not be able to work. They may need some income replacement. It is the segment of insurance that helps with these costs. It usually will even provide some compensation for an individual who is not employed. These individuals are non-earners.

Direct Compensation-Property Damage:

A snowmobile accident may not cause a personal injury. However, it could cause property damage. If the accident was a result of another person, then this coverage comes into effect. It only applies if the at-fault driver had insurance. Also, the accident took place in Ontario.

Uninsured Automobile Coverage:

On occasion, a snowmobile accident can occur where the driver’s not identified. For example, it is a hit-and-run accident. Or the driver does not have the mandatory insurance. This coverage provides compensation for injury or in the event of your death as a result of the accident. It will also go towards covering damage that occurred to your snowmobile up to a maximum of $25,000.

Insuring Beyond the Basics

One may think that because snowmobiling is seasonal that basic coverage is enough. However, this requires extra thought. Especially if you are planning on using this winter device as much as possible. The statistics for snowmobiling accidents are quite high. The indicators are that approximately 50 people die each year. It pertains to the provinces of Ontario and Quebec. It is a result of a snowmobile accident. Then added to this are about 1,200 people requiring treatment annually. It is a result of this type of accident.

The minimum insurance may seem like a lot of coverage but $200,000. Is not a big amount of liability especially when snowmobile accidents can be so severe. Fortunately, there are options for buying additional insurance coverage. Depending on the purchase it can increase the amount of money that’s out in the case of an accident. For example, additional liability insurance might be available.

There are other mishaps besides accidents that can take place with snowmobiles. Theft of the snowmobile is possible or vandalism. Also, they could be subject to acts of nature. A tree could easily fall on the device and cause serious damage to it. It can easily happen in a storm.  Adding comprehensive insurance to the policy may be a good idea. It may help with the costs of these events.

Ride on to the policy might be worth considering. For example, some individuals use a trailer. They do this to haul the snowmobile to certain regions. Insurance should be put on the trailer. Some insurance companies offer. It may be either as a separate policy or as an add-on.

Shop for Good Snowmobile Insurance


It is just as easy to get quotes for snowmobile insurance as it is for automobiles. However, not every insurance company offers this type of insurance. By getting quotes online, it is going to probably save you time. It can easily save you money as well. It is because it gives you the opportunity to do quote comparisons.

Once you find some Insurance Companies that appeal to you, then you can ask the pertinent questions. The answers you get will guide you as to which company will work best for you. Obtaining good snowmobile insurance depends on the due diligence of the insurance shopper.

About the Author: Ashley Miller

Ashley is an insurance content professional and very knowledgeable on all related subjects. Ashley has over 12 years of insurance content writing experience working with various insurance companies throughout her career.