{"id":2941,"date":"2022-10-30T08:42:27","date_gmt":"2022-10-30T08:42:27","guid":{"rendered":"https:\/\/stg.lareau.ca\/en\/?p=2941"},"modified":"2026-10-30T19:26:20","modified_gmt":"2026-10-30T19:26:20","slug":"how-and-why-to-insure-your-snowmobile","status":"publish","type":"post","link":"https:\/\/lareau.ca\/en\/article\/how-and-why-to-insure-your-snowmobile\/","title":{"rendered":"How and Why to Insure Your Snowmobile in Quebec"},"content":{"rendered":"<h2><b><span data-contrast=\"none\">How and Why to Insure Your Snowmobile in Quebec<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:299,&quot;335559739&quot;:299}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\"><br \/>\nSnowmobiling is one of the favourite winter activities of many people in Quebec. With more than 32,000 km of marked and maintained trails across the province, there\u2019s no shortage of ways to enjoy winter. Before hitting the trails, however, it\u2019s important to know your legal obligations and to make sure your <\/span><a href=\"https:\/\/lareau.ca\/en\/personal\/snowmobile\/\"><span data-contrast=\"none\">snowmobile insurance<\/span><\/a><span data-contrast=\"auto\"> suits your needs.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<h2><b><span data-contrast=\"none\">Is snowmobile insurance mandatory in Quebec?<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:281,&quot;335559739&quot;:281}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\"><br \/>\nYes. Under current regulations, every snowmobile owner must hold civil liability insurance of at least $1,000,000.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<h2><b><span data-contrast=\"none\">What are the requirements for riding a snowmobile in Quebec?<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:281,&quot;335559739&quot;:281}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\"><br \/>\nBefore heading out on a ride, you must meet certain requirements:<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<ul>\n<li><span data-contrast=\"auto\">Hold a valid trail permit from the <\/span><a href=\"https:\/\/www.fcmq.qc.ca\/en\/\" target=\"_blank\" rel=\"noopener\"><span data-contrast=\"none\">F\u00e9d\u00e9ration des clubs de motoneigistes du Qu\u00e9bec<\/span><\/a><span data-contrast=\"auto\"> (FCMQ) to ride on federated trails.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"auto\">Register your snowmobile.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"auto\">Be at least 16 years old to drive a snowmobile.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"auto\">Hold a training certificate if you are 16 or 17. The SAAQ also specifies that a valid driver\u2019s licence of any class, a probationary licence or a valid learner\u2019s licence is required to ride on trails and in other places covered by the Act respecting off-highway vehicles.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"auto\">Wear a protective helmet. This is mandatory for anyone riding on or being towed by a snowmobile. If the helmet does not have a visor, protective goggles are also mandatory.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"auto\">For the latest information on regulations, visit the SAAQ\u2019s <\/span><a href=\"https:\/\/saaq.gouv.qc.ca\/en\/road-safety\/modes-transportation\/snowmobile\/what-law-says\" target=\"_blank\" rel=\"noopener\"><span data-contrast=\"none\">Snowmobiles: What the Law Says<\/span><\/a><span data-contrast=\"auto\"> page.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<h2><b><span data-contrast=\"none\"><br \/>\nWhat does the insurance included with the FCMQ trail permit cover?<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:281,&quot;335559739&quot;:281}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\"><br \/>\nWhen you buy your trail permit for federated trails, $1,000,000 in civil liability insurance is included. This mandatory coverage protects you against property damage or bodily injury you may cause to another person while using your snowmobile.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">The FCMQ also gives Quebec residents the option of increasing this coverage to $2,000,000 for an additional fee.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">For full details on this coverage, visit the FCMQ\u2019s <\/span><a href=\"https:\/\/fcmq.qc.ca\/en\/trail-permit\/insurance\" target=\"_blank\" rel=\"noopener\"><span data-contrast=\"none\">civil liability insurance<\/span><\/a><span data-contrast=\"auto\"> page.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<h2><b><span data-contrast=\"none\">Is the insurance included with the FCMQ trail permit enough?<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:281,&quot;335559739&quot;:281}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\"><br \/>\nIt all depends on your situation.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">The $1,000,000 minimum meets legal requirements, but many snowmobile owners choose to increase their coverage to $2,000,000. The reason is simple: when someone suffers serious injuries or the damage is significant, claims can quickly exceed one million dollars.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">It\u2019s also important to know that snowmobile accidents are not covered the same way as car accidents on public roads. Unlike car accidents, injuries sustained in a snowmobile accident are generally not compensated by the SAAQ\u2019s public plan. An exception may apply when a moving automobile is involved in the accident. An injured person could therefore take legal action against the person responsible to seek compensation.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Additional coverage may therefore be worth considering. For example, <\/span><a href=\"https:\/\/lareau.ca\/en\/article\/umbrella-insurance-coverage-to-help-you-weather-the-storm\/\"><span data-contrast=\"none\">Umbrella insurance<\/span><\/a><span data-contrast=\"auto\"> lets you increase your civil liability limits beyond those usually provided under home, auto or recreational vehicle insurance policies. This coverage can be particularly worthwhile if you want an extra safety margin in the event of a major lawsuit.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"none\">How can you protect your snowmobile against damage?<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:281,&quot;335559739&quot;:281}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Civil liability insurance protects others when you are responsible for damage. To protect your own snowmobile, you need to add specific coverage.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Depending on the coverage you choose, your policy can cover:<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<ul>\n<li><span data-contrast=\"auto\">damage to your snowmobile following an accident<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"auto\">theft<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"auto\">vandalism<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"auto\">fire<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"auto\">collisions with an animal<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"auto\">certain equipment and accessories installed on the vehicle<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:0,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"auto\">Every snowmobile is different. The value of the vehicle, how often you use it, any added accessories and your budget can all influence the recommended coverage.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">To compare the options available, visit our <\/span><a href=\"https:\/\/lareau.ca\/en\/personal\/snowmobile\/\"><span data-contrast=\"none\">snowmobile insurance<\/span><\/a><span data-contrast=\"auto\"> page.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<h2><b><span data-contrast=\"none\">Frequently asked questions about snowmobile insurance<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:281,&quot;335559739&quot;:281}\">\u00a0<\/span><\/h2>\n<h3><b><i><span data-contrast=\"none\"><br \/>\nHow much does snowmobile insurance cost?<\/span><\/i><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:319,&quot;335559739&quot;:319}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">The cost varies depending on several factors, including the snowmobile\u2019s value and model, its intended use, the coverage you choose and your insurance record.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<h3><b><i><span data-contrast=\"none\">Are accessories covered?<\/span><\/i><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:319,&quot;335559739&quot;:319}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">Some accessories may be covered, but it depends on the coverage included in your policy. It\u2019s important to confirm this with your insurer.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<h3><b><i><span data-contrast=\"none\">Can I ride my snowmobile on public roads?<\/span><\/i><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:319,&quot;335559739&quot;:319}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">As a general rule, riding on public roads is prohibited, except in certain situations provided for by law and where signage allows it.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<h3><b><i><span data-contrast=\"none\">Does registration replace insurance?<\/span><\/i><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:319,&quot;335559739&quot;:319}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">No. Registration is mandatory, but it does not replace the civil liability insurance required by law.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<h3><b><i><span data-contrast=\"none\">What should I do in the event of an accident?<\/span><\/i><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:319,&quot;335559739&quot;:319}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">Make sure you and everyone else involved are safe, then contact your insurer or broker as soon as possible to open a claim.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<h3><b><span data-contrast=\"none\">Enjoy winter with peace of mind<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:281,&quot;335559739&quot;:281}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">Good snowmobile insurance lets you make the most of the season while meeting legal requirements. Whether you enjoy long rides or occasional outings, it\u2019s important to choose coverage suited to your needs.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Need personalized advice? <\/span><a href=\"https:\/\/lareau.ca\/en\/quote\/personal\/\"><span data-contrast=\"none\">Request a quote<\/span><\/a><span data-contrast=\"auto\"> or <\/span><a href=\"https:\/\/lareau.ca\/en\/contact-us\/\"><span data-contrast=\"none\">contact our team<\/span><\/a><span data-contrast=\"auto\"> to discuss your situation.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>How and Why to Insure Your Snowmobile in Quebec\u00a0 Snowmobiling is one of the favourite winter activities of many people in Quebec. With more than 32,000 km of marked and maintained trails across the province, there\u2019s no shortage of ways to enjoy winter. Before hitting the trails, however, it\u2019s important to know your legal obligations [&hellip;]<\/p>\n","protected":false},"author":23,"featured_media":2942,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[535],"tags":[],"class_list":["post-2941","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-personal","sector-leisureandrecreationalvehicule"],"acf":[],"_links":{"self":[{"href":"https:\/\/lareau.ca\/en\/wp-json\/wp\/v2\/posts\/2941","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lareau.ca\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/lareau.ca\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/lareau.ca\/en\/wp-json\/wp\/v2\/users\/23"}],"replies":[{"embeddable":true,"href":"https:\/\/lareau.ca\/en\/wp-json\/wp\/v2\/comments?post=2941"}],"version-history":[{"count":3,"href":"https:\/\/lareau.ca\/en\/wp-json\/wp\/v2\/posts\/2941\/revisions"}],"predecessor-version":[{"id":4294,"href":"https:\/\/lareau.ca\/en\/wp-json\/wp\/v2\/posts\/2941\/revisions\/4294"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/lareau.ca\/en\/wp-json\/wp\/v2\/media\/2942"}],"wp:attachment":[{"href":"https:\/\/lareau.ca\/en\/wp-json\/wp\/v2\/media?parent=2941"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/lareau.ca\/en\/wp-json\/wp\/v2\/categories?post=2941"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/lareau.ca\/en\/wp-json\/wp\/v2\/tags?post=2941"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}