Updated: February 11, 2022
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Snowmobiling is a winter activity the whole family can enjoy — and we live in the perfect province for it — as long as expensive accidents and dangerous incidents don’t get in the way. We’re helping you make sure that snowmobiling is all fun and games this season by sharing everything you need to know about when, why, and how to insure a snowmobile in Manitoba!
There are two main reasons to insure your snowmobile: collisions and personal injuries.
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.
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!)
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 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 insures your vehicle against collision-related damage. Just like with comprehensive coverage, you’ll have a choice between either a $200 or $500 deductible.
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.
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.
Snowmobile insurance costs vary based on several factors. The driving history of the person the snowmobile is registered to and the age of the snowmobile itself can both affect the rates you pay. If you’re looking for a general range, the best thing to do is to request an online quote.
If you’re looking to save on the cost of snowmobile insurance, you can shop around between insurers. Just keep in mind that at a bare minimum, you’ll be required to carry your MPI registration and plate and Snopass (if you plan to ride on groomed Manitoba trails).
There are certain documents that you’ll need in order to secure your snowmobile insurance:
We’ll defer your payments to December 1st, when snowmobiling season begins!
Usually, “regular” insurance refers to the basic plate and registration certificate. In that case, no, unfortunately regular insurance is not enough to cover snowmobiles. However, you can add extra insurance to make sure you’re covered!
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.