Snowmobile insurance provides financial coverage if someone suffered a personal injury or damage to their property caused by you while operating your snowmobile. It can also cover injury to you caused by an uninsured snowmobiler, and damage to your snowmobile caused by an accident or collision.

Basic snowmobile insurance doesn’t provide the same injury protection as basic auto insurance. You should understand what protection is offered through the basic insurance then decide whether or not to purchase extended coverage.

You will need Snowmobile Insurance if:
  • You own and operate a snowmobile
  • You participate in group snowmobile events such as rallies
  • You couldn’t afford to repair or replace your snowmobile if it were damaged or destroyed in and accident or through vandalism
  • You want financial protection in the event that you are the cause of an accident or injury to another person or to another person’s property
The type of snowmobile insurance you need depends on:
  • The type of snowmobile you own
  • Where you store your snowmobile when it’s not in use
  • When and where you will use your snowmobile
  • Who will be driving your snowmobile
Expert Insurance offers:
  • Got Toys ORV Program
  • All Perils coverage available
  • Replacement Cost is available for new sleds for 2 years
  • No underage exclusion
  • Coverage extends to anyone with the owners permission
  • Rider plus endorsement available (to include Search&Rescue, increased rider gear limit, lock rekeying and travel protection
  • Increased liability protection to 1 or 2 million in excess of your basic $500,000 with MPI

About 25,000 snowmobiles are registered annually in Manitoba, but only two-thirds have coverage beyond the basic insurance for off-road vehicles (ORVs).

Basic ORV Coverage

The provincial Off-Road Vehicles Act sets out the basic ORV coverage Manitoba Public Insurance offers. ORV basic insurance offers third party liability protection to $200,000 — but unless you buy additional coverage, you are responsible for paying any costs above $200,000 if you cause injury to another person or damage someone else’s property with your machine. These costs may include property replacement, lost income, medical and rehabilitation costs and more. If you are injured with no one to sue, you will be responsible to pay for these costs yourself.

MPI offers optional coverages beyond basic ORV insurance. Accident Benefits coverage offers financial protection for an owner’s injuries, while Family Protection gives an owner’s entire family financial protection if a family member is injured by an at-fault driver carrying too little or no insurance.

Got Toys Insurance

Got Toys insurance will provide a policy that covers you & your unit anywhere you can legally ride in Canada or the continental United States. Some features of their policy are as follows:

  • Coverage for collision & upset, fire, theft and vandalism available
  • Replacement Cost is available for brand new sleds for 2 years
  • Accident Benefits Coverage
  • This covers the insured with costs resulting from accidental death (including funeral expenses), disability, rehabilitation, medical treatment, and loss of income.
  • Rider plus endorsement available
  • This is to include coverage for Search & Rescue, increased rider gear limit, lock rekeying and travel protection. This would be ideal for the traveling off-roader or long distance trips.
  • Increased liability protection to 1 or 2 million in excess of your basic $500,000 with MPI
  • Coverage extends to anyone with the owners permission
  • Ways to save on your Snowmobile insurance
  • We will also help you take advantage of any applicable discounts such as:
  • Club Member Discount (having a snopass counts!)
  • Safety course discount
  • Approved installed immobilizer discount
  • Discount for increasing to $1000 deductible

When registering an ORV is whether to buy coverage for damage or theft. While the basic coverage does not provide coverage for these, both collision damage coverage and comprehensive coverage can be purchased with a $200 or $500 deductible. As well, third party liability can be extended from the basic level of $200,000 required by law up to $5,000,000.

Extension products available

Manitoba Public Insurance offers 500,000 third party liability with matching under insured motorist protection with your basic registration. The following extension products are available:

  • Collison – $500 or $200 deductible
  • Comprehensive (fire, theft and vandalism) – $500 or $200 deductible
  • Accident Benefits Coverage
  • This covers the insured with costs resulting from accidental death (including funeral expenses), disability, rehabilitation, medical treatment, and loss of income.
  • Rider plus endorsement available
  • This is to include coverage for Search & Rescue, increased rider gear limit, lock rekeying and travel protection. This would be ideal for the traveling off-roader or long distance trips.
  • Increased limits of 1, 2 or 5 million third party liability