Snowmobile Insurance in Alberta

Snowmobiling is a treasured winter pastime for thousands of Albertans, but did you know you need insurance if you’re planning to ride on public lands? In this article, our insurance experts will explain everything you need to know about snowmobile insurance in Alberta.  

Why do I need snowmobile insurance in Alberta? 

By law, all snowmobilers riding on public land must have a properly registered and insured snowmobile. They also must be at least 14 years of age, have a valid Class 5 driver’s licence and wear a helmet.  

Insurance is also a good idea if you can’t afford to repair or replace your snowmobile out of pocket if something happens. It may even be required by your lender if you’ve financed your snowmobile.  

What is covered by snowmobile insurance? 

Snowmobile insurance helps protect yourself and others. Exactly what’s covered will depend on your individual policy, as every policy is different.  

There are three main areas of coverage for snowmobile insurance in Alberta: 

1. Third-party liability – If a third party is injured or has their property damaged as a result of operating your snowmobile, this coverage can help cover medical, legal and other costs. This specific coverage is required in Alberta if you’re riding on public lands. 
2. Accident benefits – If you are hurt as a result of a snowmobile accident, this coverage can help cover medical expenses and lost income. 
3. Property damage – If your snowmobile or its accessories are damaged or stolen, this coverage can help cover the costs of repairs or replacement.  

There may be additional, optional coverages available as well.  

How much does snowmobile insurance cost in Alberta? 

The cost of snowmobile insurance depends on: 

• The type of snowmobile you’re insuring 
• The year, make and model of the snowmobile you’re insuring  

• Where you plan to ride and store your snowmobile 
• Where you live 
• Your insurance and claims history 
• Your demographic information 
• If you add your snowmobile to an existing policy or if you purchase a separate policy 

• Your insurance options such as coverage and deductible 

You may be able to get a discount if you allow for a credit rating check. Some insurers may also offer a bundling discount if you have another policy for them, or there may be claims-free and loyalty discounts.  

Safety Tips for Snowmobiling in Alberta 

• Wear a helmet at all times. Not only is it the law, but it can save your life. Some insurance companies won’t cover you if you are not wearing a helmet  
• Take a snowmobile safety course 

• Take an avalanche safety course 
• Avoid riding at night in unfamiliar terrain. 
• Stay on marked trails  
• Don’t speed 
• Check the weather forecast and trail conditions before you go  

• Dress for the weather! 
• Ensure the ice is at least 25 centimetres thick if you’re riding over lakes or rivers  
• Never ride under the influence of drugs or alcohol 
• Carry emergency survival and first-aid equipment 
• Make sure your snowmobile is the right size for you 

• Ensure your snowmobile is in good operating condition 
• Don’t overload your snowmobile 
• Ride with a friend when possible and let someone else know where you’re going and when you expect to be back  

Stay safe and enjoy your ride!