Snowmobile Insurance

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Invest in Snowmobile Insurance Before Hitting the Trails Near Edmonton

Liability snowmobile insurance in Edmonton and all throughout Alberta is mandatory for any on- or off- trail snowmobiling. It’s not a car, but just like any high-speed motorized vehicle in Alberta, a snowmobile requires proper insurance to operate. At MBS Insurance Brokers Ltd., we have various coverage plans to ensure that your next snowmobile adventure is safe and free from worry. Know what to do and be prepared!

Can You Help Me Insure My Snowmobile?

We can provide snowmobile insurance in Edmonton for all kinds of snowmobiles, as long as they are only used for personal recreational use and not for racing purposes. Insurance is crucial for any fast moving vehicle that could potentially result in any kind of accident. The last thing you want to happen when you’re in an accident is to be left without any coverage. Set out for adventure with the peace of mind knowing that if anything were to happen that you, your passengers or your snowmobile are properly insured.

Keep Your Snowmobile All Year-Round?

It might sound odd at first to insure a snowmobile all year long that only really gets seasonal use, but the importance of insuring your snowmobile throughout the year shouldn’t be overlooked. Why would you need snowmobile insurance in the summer time? There is no doubt that winter time coverage is a no-brainer, as you should absolutely have coverage for liability to protect you, others, and your snowmobile in the event of an accident. But, what about when your snowmobile is stowed away for the season?

Snowmobiles are valuable items that are still vulnerable to theft and fire no matter what season it happens to be. You need an insurance policy that will go beyond just collision-related losses. A comprehensive snowmobile insurance policy will keep your snowmobile protected in the event of a fire, floods, theft, vandalism, or even if you are in an accident that isn’t your fault (animal collisions). Life can throw the most unexpected events at you, and it’s important to always be safe than sorry.

Keep Yourself Protected from More Than Just the Cold

When it’s time to go out into the cold and hit the trails you want to be properly prepared in all ways. You have your gear, safety equipment, food and water, but you should also make sure you have adequate insurance coverage as well. There are several options you can choose from when selecting insurance coverage. Ride with peace of mind and make sure to pick the one that will best cover you.

Insure Your Snowmobile in Edmonton before You Register

The requirements to register your snowmobile in Alberta are pretty cut and dry, including the need for insurance. Everyone who plans to ride a snowmobile on public lands must fulfill the following requirements to register their snowmobile:

  • Proof of ownership documentation
  • Acceptable ID
  • Proof of valid insurance

Laws, Rules, and Regulations For All Snowmobilers in Alberta

In Alberta, everyone who operates a snowmobile on public land first and foremost must have a registered snowmobile. At all times you must wear a safety-approved helmet, including passengers and those being towed by a snowmobile. To independently operate a snowmobile, the rider must be at least 14 years old.

Just like any motorized vehicle in the province of Alberta, operating your snowmobile under the influence of drugs or alcohol is strictly forbidden. Doing so runs the risk of losing your insurance, your vehicle, your license, and facing fines or jail time. Don’t risk these consequences and increased chance of injury or death while riding your snowmobile.

How to Be Prepared & Stay Safe While Snowmobiling

Before you set out on the trails, be informed and know the laws and regulations that apply to you as a snowmobiler in Alberta. It’s recommended that you have all your registration, insurance, licensing and trail permit in order before you start your journey, but what do you need to have a safe and fun experience? Here are few things you can do beforehand to prepare:

  • Check all weather forecasts and predicted trail conditions, including the risk of avalanche
  • Plan your trail route exactly and stick to it
  • Avoid crossing over bodies of water, unless it’s specifically marked as safe to do so
  • Share your travel schedule and location in the event of an accident
  • Schedule a mechanical inspection of your snowmobile before each trip

Now that you’ve done your due diligence and have all the information you need to make your trip safe and successful, gather up all the necessary supplies to prepare yourself for anything. The following list of supplies could save your life in the event of emergency, so don’t forget to pack:

  • A trail map and compass
  • A toolkit and an extra key
  • Spark plugs, a drive belt and antifreeze
  • A pocketknife, a saw or an axe
  • At least 10 m of nylon cord strong enough to tow your snowmobile
  • At least 10 m of nylon cord strong enough to tow your snowmobile
  • A flashlight
  • Signalling equipment like a whistle, mirror, and/or signal flares
  • A first aid kit, survival blanket, and manual

Also consider getting a satellite phone if you intend to ride in areas with no cellular phone coverage. It may seem like an unnecessary expense, but it could be the difference between life and death!

Be smart about safety and weather-proof clothing. At all times snowmobilers need to wear a safety-approved protective helmet while riding, but you should also always wear clothes suited for cold weather. Dress in layers and avoid cotton clothing that tends to take longer to dry. If you get stranded you need to be prepared to endure the cold until you are found.

Speak with a Dedicated Broker Any Time You Have Questions

You’ll have a dedicated broker that you can contact directly with any questions you may have. Since we’re located in Edmonton, you can rest assured we know the “ins” and “outs” of Alberta insurance, so we can always provide you with the coverage that suits your specific needs.

Call us today at 780-436-7880 or contact us online to discuss your options.