The snowmobile and four-wheeler season is just around the corner! Before you get started, it’s important to make sure your insurance is in order.
Registration and licensing
First and foremost, your vehicle must be registered with the SAAQ (Société de l’assurance automobile du Québec).
Of course, you must have a valid driver’s license to operate a snowmobile or an ATV.
Liability insurance
In Québec, it is mandatory to have at least $1,000,000 in liability insurance for snowmobiles and ATVs. This insurance covers property damage and bodily injury you may cause to others, otherwise you risk a fine of between $375 and $750.
You must carry proof of insurance with you at all times. You may be asked for it by a police officer, ranger or provincial agent.
If you are not responsible for the accident, this insurance also covers the repair of your vehicle. It protects you as the owner, as well as anyone who rides your snowmobile or ATV.
Never without my trail permit!
In order for your insurance to be valid, in addition to your liability insurance, you must obtain a trail permit to ride your snowmobile or ATV on Québec trails, usually through a club. A valid trail permit is mandatory.
Depending on how often you ride, you can choose between different types of permits: there’s one for the whole year, a season, a week, a few days or just one day.
You can also ask about getting a two-for-one deal. For example, if you are a member of the FCMQ or FQCQ, you can purchase $1,000,000 in liability insurance when you purchase your trail permit. Learn more about your options.
Protection for your own vehicle
If you’ve accidentally caused a collision, liability insurance protects you from damage to another person’s snowmobile or ATV. This means that if your vehicle is involved in an accident, you’sll have to pay for repairs out of your own pocket.
That’s why it’s a good idea to opt for comprehensive insurance. Make sure your policy also covers damage to your vehicle in the event of an accident (collision, theft, fire), if you want maximum protection.
This way, you can be sure that you are well protected if your vehicle is involved in an accident or even a total loss after a collision for which you are responsible.
Ensure the accuracy of your insurance declaration
This is important: remember to provide accurate information about the use of your snowmobile or ATV. Is it for recreational use? Do you participate in competitions? This could save you from a possible rejection in the event of a claim.
An accurate declaration is the best way to ensure that you’re in good standing with your insurance company.
Safety equipment
Comply with safety equipment requirements (such as helmets), as failure to do so may affect the validity of your insurance coverage in the event of an accident.
We recommend that you regularly review the terms and conditions of your insurance policy and contact your insurer to confirm that your coverage meets your needs.
Avoid unpleasant surprises by being in good standing with your insurance company
Before venturing out on your snowmobile or ATV, it’s essential to make sure your insurance is up to date.
Regulatory compliance, whether it be registration, licensing, or liability insurance, is not only a matter of safety, but also a legal obligation.
What’s more, proper protection of your vehicle and careful reporting to your insurer are essential to avoid unpleasant surprises.
Thanks to these precautions, you can enjoy your rides with peace of mind, knowing that you will be well covered.
Your Malouin broker will be happy to answer any questions you may have about your insurance.
