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Complete Guide to Insuring Your Snowmobile in Manitoba (Coverage, Costs, and FAQs)

Five snowmobiles with family members riding them drive down a snowy prairie trail in a row.
January 13, 2021

Updated: February 11, 2022

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Manitoba’s snowy trails are calling, and snowmobiling is still one of the most thrilling ways to embrace winter with friends and family—as long as expensive accidents and dangerous incidents don’t get in the way. So before you set off, it’s important to safeguard against unexpected mishaps.

This guide covers everything you need to know in 2024 about insuring your snowmobile and ensuring your adventures remain safe, fun, and worry-free!

Or, if you’re already set to go, start your quote now!

Why You Need Snowmobile Insurance in Manitoba.

There are two main reasons to insure your snowmobile: collisions and personal injuries.

1. Collisions

Snowmobile collisions are more common than you might think. Having sufficient insurance in the event of a collision minimizes the financial risks and the potential liabilities you and your family may face.

2. Personal Injuries

In Manitoba, if you get in a car accident — even if you are at fault — your own injury-related health care costs are covered by the Personal Injury Protection Plan (PPIP). Unfortunately, the same is not true for snowmobiles.

The PIPP only covers snowmobile riders in one situation: if the snowmobile collides with a moving car. So, if you cause a snowmobile-on-snowmobile collision, your healthcare costs may not be fully covered. Thankfully, when you purchase snowmobile insurance, you can add Accident Benefits to cover any injuries sustained during a snowmobile collision. (More on this below!)

How Snowmobile Insurance Works in Manitoba

In Manitoba, standard snowmobile registration covers one license plate and $500,000 in third-party liability. If you need or want more than basic coverage, you can choose to increase that limit to either $1 million, $2 million or $5 million. You can also decide to purchase coverage add-ons, like:

Comprehensive Coverage

Comprehensive coverage insures your snowmobile against any physical damage that happens as a result of something other than a collision, like fire, theft, vandalism, or hail. With this coverage, you have a choice between either a $200 or $500 deductible.

Collision Coverage

Collision coverage insures your vehicle against collision-related damage. Just like with comprehensive coverage, you’ll have a choice between either a $200 or $500 deductible.

Accident Benefits

If you or a passenger is injured in a snowmobile collision, Accident Benefits will cover the costs associated with medical treatments, rehabilitation, and any resulting disability, regardless of who is at fault.

Annual Snopass

Purchasing an annual Snopass gives you permission to use any and all groomed trails in Manitoba. If an annual Snopass is more coverage than you need, customize your insurance with either a 7-day local permit or a short-term, out-of-province permit.

Visit us online and get a snowmobile insurance quote.

How Much Does Snowmobile Insurance Cost in Manitoba?

In 2024, snowmobile insurance costs continue to vary based on various factors liked driving history and snowmobile age. For an accurate estimate, we recommend requesting a personalized online quote.

Shopping around can also help you save money, but remember that at a minimum, you’ll need your MPI registration, plate, and Snopass to ride on Manitoba’s groomed trails.

How to Insure a Snowmobile in Manitoba

To insure your snowmobile, get in touch with a local insurance office—like us! As long as you live in Manitoba, we can and would be happy to help! Request an online quote to start the process from home, or find our nearest branch.

What To Bring:

There are certain documents that you’ll need in order to secure your snowmobile insurance:

  • If your snowmobile is brand new, bring your bill of sale
  • If you want to purchase collision coverage without an inspection, bring proof that you picked up your snowmobile from the dealership in the last three days
  • If your snowmobile is older, but new to you, bring your bill of sale and a Transfer of Ownership document (TOD)

Purchasing insurance during summer?

We’ll defer your payments to December 1st, when snowmobiling season begins!

Snowmobile Insurance FAQs

Regular auto insurance typically covers your vehicles basic plate and registration certificate. Unfortunately, this doesn’t extend to snowmobiles. To make sure you’re fully protected, additional insurance is required. We recommend discussing the coverage options available to you with an Insurance Consultant and ensure your policy meets your needs.

We recommend discussing the coverage options available to you with an Insurance Consultant. They’ll make sure that your policy is customized to meet your needs.

If you want to ride the groomed snoman trails in Manitoba then yes, you need to insure your snowmobile. When you purchase your pass, you’ll also be given an orange license plate which you’ll need to display, because it lets conservation officers easily identify you as a passholder.  You’ll also have a valid driver’s license if you ever plan to cross a Manitoba highway.

If you only ride on private property then no, you don’t need to insure or register your snowmobile.

Yes, Manitoba Public Insurance will cover any MB resident that has the owner’s permission to ride their snowmobile. Passengers just have to be the legal age permitted to ride the machine and carry a valid driver’s license (if they’re crossing a highway). They’re also covered if your snowmobile is made to carry a passenger, and the passenger is underage.

Get a Snowmobile Insurance Quote!

Ready to hit the trails? Request a quote online and we’ll have you covered and on your way in no time.