SNOWMOBILE Insurance
For your snowmobile insurance, be well protected with our coverage adapted to your needs!
Already insured with iA Auto and Home?
Stack up the discounts and save!*
Average savings of $565 **
Bundling discount
Bundle your auto, home and recreational vehicle insurance and save even more.
Up to 15% off
Multi-vehicle discount
Insure another car or recreational vehicle and save!
Up to 10% off
Exclusive discounts for iA clients
Get a discount if you have other products with iA Financial Group such as life, disability or critical illness insurance or savings products.
Up to 26% off
Safe driving discount
Get a discount if you have a good motorcycle driving record.
Quick and easy claims!
When damages happen, we're here to help. Count on our expert advice and assistance for your leisure vehicle and RV insurance claims.
- 24/7 claims service
- Reassuring and immediate support
- One of the fastest post-accident reimbursement times on the market
Coverage designed for you
Do you enjoy winter in the great outdoors by hitting the trails on your snowmobile? Learn about our coverage for people who love snowmobiling. Get the best coverage for your needs!
Basic coverage
Mandatory
Civil liability
This coverage, ranging from $1 million to $2 million, is mandatory for snowmobiling in Quebec.
See more See lessMaterial damage
Coverage for collision, fire, theft and vandalism.
Use outside Quebec
Travel out of province with peace of mind. You’re covered for up to six months in Canada and the United States.
Additional coverage and options
Replacement value
Protects the value of your snowmobile against depreciation for up to 4 years.
Q.E.F. 43D
Accessories
If you've added accessories to your snowmobile, talk to your agent to make sure you have enough coverage.
My Client Space
to make your life easier!
Manage your auto and home insurance online easily and securely, whenever you want, in My Client Space.
- Manage your products
- Consult your documents
- Replace or add a car to your insurance policy
- Access your digital car insurance certificate
- And much more!
Frequently Asked Questions
Is it mandatory for a snowmobile to be registered?
Yes. It's mandatory to register your snowmobile, regardless of what you use it for. Visit the Société de l’assurance automobile du Québec (SAAQ) website to learn more. But you should also be aware that you’re not covered by the SAAQ if you’re involved in an accident, unless it involves a vehicle on a public road.
Why get insurance for your snowmobile? What are the benefits of snowmobile insurance?
One of the main benefits for snowmobilers is access to Fédération des clubs de motoneigistes du Québec (FCMQ) trails. However, you need to have civil liability insurance at a bare minimum.
It’s also important to look at your other insurance needs. Civil liability covers you for damage to your snowmobile for which you are not responsible, but it does not cover you when you are at fault. The same applies to theft, which is always a concern, even though there are ways to reduce the risks. Considering the high value of some snowmobiles, it's important to make sure you have enough coverage.
Then there’s the fact that even if you pay your registration fee, you're not insured by the Société de l'assurance automobile du Québec if you’re involved in an accident, unless it involves a car or other vehicle on a public road.
Should I store my snowmobile in the summer?
There's no need to store your snowmobile in the summer. We calculate the annual premium based on seasonal use. In other words, we assume you will only use your snowmobile during the winter months, which means that storing it would not result in a discount on your premium.
But if you do decide to store it, you may be eligible for a partial refund of your registration fee. Visit the Société de l’assurance automobile du Québec website to learn more.
What is the minimum age to drive a snowmobile?
You must hold a valid driver's licence and be at least 16 years old to drive a snowmobile. For snowmobilers under 18, a training certificate is also required. The ConduiPro group of driving schools has been authorized by the Fédération des clubs de motoneigistes du Québec to offer this training.
Can all types of snowmobiles be insured?
We offer insurance for all types and makes of snowmobile: two seater, one seater, performance, etc. The only exceptions are racing snowmobiles and snowmobiles that have had major modifications.
Bundling your insurance with iA Auto and Home pays off!
* Certain conditions apply. Subject to change without notice.
** Information collected between July 1, 2023 and December 20, 2023, from 352 new clients who purchased a new auto insurance policy covering at least one vehicle and a new home insurance policy with iA Auto and Home. This amount represents the average savings stated by the clients and is not a guarantee.
Living outside Quebec?
Our auto and home insurance products are offered only in the province of Quebec.
Our partner Surex can help you with your auto and home insurance needs in your region.
