Registering and insuring snowmobiles
About 25,000 snowmobiles are registered annually in Manitoba, but only two-thirds have coverage beyond the basic insurance for off-road vehicles (ORVs). As a snowmobile owner, you might not realize the limits of your basic coverage -- until you submit a claim. Basic snowmobile insurance doesn’t provide the same injury protection as basic auto insurance. You should understand what protection is offered through the basic insurance, then decide whether or not to purchase extended coverage.
The provincial Off-Road Vehicles Act sets out the basic ORV coverage we offer. ORV basic insurance offers third party liability protection to $500,000 -- but unless you buy additional coverage, you are responsible for paying any costs above $500,000 if you cause injury to another person or damage someone else’s property with your machine. If you are injured with no one to sue, you are responsible for paying for your lost income, medical and rehabilitation costs.
Ways to increase your coverage
Accident Benefits coverage offers financial protection for injuries. Another thing to consider when registering an ORV is whether to buy coverage for damage or theft. Both Collision Damage coverage and Comprehensive coverage can be purchased with a $200 or $500 deductible. As well, third party liability can be extended from the basic level of $500,000 required by law up to $5,000,000.
For more information on optional coverage see the Snowmobiles brochure.
Please contact your Autopac agent for more information.