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With over 5,000 km of trails in Alberta featuring a wide variety of scenic terrain, snowmobiling has become a popular activity in the winter months. With more than 140,000 snowmobiles registered in the area, many people consider it to be one of the most adrenaline-pumping, action-packed winter activities available. Often, snowmobile enthusiasts start out by trying a guided tour, then renting a snowmobile on their own, followed by joining a club through the Alberta Snowmobile Association (ASA) and buying a snowmobile.

Snowmobile Tours and Rentals

The most popular areas for guided tours and rentals in Alberta are in the Banff National Park boundaries, in the Golden Triangle Trail (which connects with Whitecourt, Food Creek and Swan Hills) and Grand Prairie. Tours are available in Alberta Central, Alberta North and Alberta South, including from Calgary. Travel packages for snowmobiling with accommodations can be found on many websites, including the Travel Alberta website.

When you hire a tour company, you have the option to rent the snowmobile and safety gear, take a safety-training class, and meet with a guide who can help you navigate through the trails. Insurance is typically for the snowmobile only, unless you request additional coverage. Half-day, full-day and advanced guided tour options are available from the tour operators in addition to private tours. Once you have rented a snowmobile a few times, you may become interested in buying a snowmobile and joining a club.

Purchasing a Snowmobile

If you are in the market to buy a snowmobile, you can buy one new or used from a licensed dealer. You should follow the same guidelines in buying a snowmobile as you would when buying a car or boat. If you are buying one used, be sure to have it inspected by a mechanic to ensure it has been properly cared for.

In addition to determining whether to buy a new or used snowmobile, you will need to decide the engine size, options and whether to accommodate seating for one or two-persons. Your available choices will also depend on your comfort level driving and your intended use. Common types purchased by recreational users include:

  • Entry-level or trail model (relatively inexpensive and may have an electric start)
  • Touring (may accommodate up to two individuals comfortably with a backrest)
  • Performance (higher horsepower and often has a reverse gear and electric start)
  • Mountain (to ride hillside in mountainous terrain and through heavy powder)
  • Crossover (for on and off the trails).

Once you buy a snowmobile, you will need to have it registered and insured in order to use the vehicle in a public place. You will need at least $1 million in public liability and property damage by law, but $2 million is considered standard coverage. By speaking to a licensed insurance broker, you can obtain snowmobile insurance in Edmonton for your vehicle and speak to a broker to understand the coverage options available.

A driver must be 14 years of age to operate the machine independently and anyone under 14 years of age must be accompanied by an adult or supervised closely while receiving instruction. A licence plate must be attached visibly on the front or rear of the snowmobile. Some knowledge of how to maintain your sled will also be useful.

Maintaining Your Snowmobile

At the end of each season, you’ll need to maintain and store your snowmobile. If anything looks worn, damaged or missing upon inspection, it is important to repair or replace it before you ride. A maintenance checklist of what to do before heading out in the new season is provided here:

  • Look for cracks in the body, deteriorated hood latches and windshield fasteners. As well, any tears or nicks in the seat covers should be repaired.
  • Check to ensure that the skis and runners are straight and not worn excessively. Repair any bent skis, holes, cuts or gouges.
  • Drain any old fuel before adding fresh gasoline. Gas left in your snowmobile over the summer may have gone bad or be compromised with water.
  • Clean the carburetor. Follow instructions in your owner’s manual, using a can of carburetor cleaner and some basic tools.
  • Check the drive belts and replace those that are worn or damaged, packing a spare belt for whenever you ride.
  • Lubricate all fittings as indicated in your owner’s manual.
  • Check the track tension and the track itself for any tears, rubbing or missing lugs or missing track clips. If the track is torn, it needs to be replaced.
  • The throttle, brake, hydraulic and oil cables should be fastened securely and checked for excess wear or damage.
  • Replace the chain case oil and be sure to fill your injection oil, coolant, brake fluid levels according to the specifications in your owner’s manual.
  • Check the pull cord to ensure it isn’t frayed.
  • Make sure the headlights and tail lights are in good working order.
  • Check your owner’s manual for anything specific to your particular snowmobile.

If you’re not sure how to perform any of these maintenance steps, contact a trained mechanic. You want to ensure that your snowmobile is safe and ready for a trouble-free season of fun on the snow.

Obtaining Snowmobile Insurance in Edmonton

Obtaining snowmobile insurance will help you get the most out of snowmobiling season in Edmonton and throughout Alberta. It will also protect you from the financial costs of repairing a damaged sled, including when damage is caused by an uninsured or underinsured snowmobiler. By speaking to an insurance broker at our Edmonton office today, you will learn how insurance will also protect you and your riders if you have an accident involving damage, injury or death.

At MBS Insurance, we can add your snowmobile insurance to a pre-existing automobile insurance policy.

Contact us today for a free quote at 780-436-7880.

How an Insurance Broker Saves You Time and Money

Do you know the benefits of an insurance broker?

Suppose you’re looking for the best insurance coverage at the best rates in Edmonton. In that case, you’ll first want to understand the benefits of an insurance broker and how they can help protect you in all sorts of different situations – whether it be saving you money, time or giving you simple peace of mind.

What Are the Benefits of an Insurance Broker?

Here are some of the many benefits of an insurance broker.

 

1. Saves Time

An insurance broker does all the work for you, so you don’t have to spend your valuable time shopping around for insurance. Instead, you simply provide your broker with information about your needs, and they shop the markets on your behalf.

 

2. Saves Money

Insurance brokers work with many different partners to find the best deals on the insurance that works for you. They take all your needs into account and make recommendations that are in your best interest. They have relationships with many insurance partners and can negotiate competitive rates and discounts, saving you money in the long run.

3. Expert Knowledge and Advice

An insurance broker provides you with the support and expertise you need to find coverage that suits your needs. They work with various products and services to find the coverage that best suits you. In addition, they can draw from an extensive knowledge base and experience to advise you on the best options. 

Insurance Brokers provide expert and unbiased advice. A wealth of knowledge about coverage and market rates combined with expert risk assessment ensures your possessions and business are adequately protected. Whether you are looking into auto insurance rates, tenant insurance, or home insurance rates, your insurance broker can help you every step of the way.

You can utilize their expertise to quickly identify your options and rely on their unbiased advice to help you make the best-informed decision for your situation.

 

4. Working For Your Best Interests

Since insurance brokers do not work with one particular company, they have nothing to gain from recommending a specific product. The insurance company also pays them a standard commission. Thus, there is no financial incentive to choose one insurer over another.

Insurance brokers have your best interests in mind. You can count on them to find you the best rate possible, which can give you the peace of mind you need. You can rest assured knowing that if you ever need to file a claim, one of our brokers will be there by your side to guide you every step of the way. They act as an advisor on insurance-related matters. They will shop the market for the best coverage and rates for you. Since fulfilling your needs is their only priority, they will provide independent, unbiased advice on the right coverage for your situation.

5. Privileged access and rates

Insurance Brokers have access to a wide selection of the best insurance companies in the country. These insurance companies are only accessible by Insurance Brokers. They do not deal with the public directly or with Direct Writers. Brokers enjoy long-standing relationships with these insurance companies. Still, they do not have an affiliation with any specific insurer, enabling brokers to provide you with a broader range of options at competitive rates.

 

6. Transparency

Insurance brokers must give full disclosure about their compensation and its effect on your insurance premium.  They are also required to declare any financial links with specific companies that may be a conflict of interest, enabling you to make the best-informed decision.

 

7. Risk and Advocacy Experience

Extensive experience dealing with different clients and claim situations equips insurance brokers with a broader perspective on how to reduce your risk. Also, in the event of a claim, you can count on your broker to act as your advocate with the insurance company and handle your claim fairly and promptly.

Speak to MBS Insurance in Edmonton about your Coverage

Reach out to MBS Insurance today to determine your home, auto, and commercial coverage options. Over the past 45 years, our experienced team of insurance brokers in Edmonton has earned the trust and loyalty of our clients by delivering superior products and services. We understand your needs and provide you with the best protection and rates.

There are many benefits of an insurance broker. We can help you understand the intricacies of your insurance plan while saving you money at the same time. We are a trusted insurance provider in Edmonton and provide personal and commercial insurance policies to people living in Alberta. We offer the best rates on recreational, auto, property, commercial, and group insurance policies. 

Contact us online for a free quote or by phone at 780-436-7880.

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This article was originally published on October 7, 2016, and updated for 2021.