A Delightfully Simple Guide to Snowmobile Insurance

In Saskatchewan, snowmobiling is one of the most popular winter pastimes alongside the infamous polar plunges, adventurous cross-country skiing, and of course, ice skating. And there’s a good reason for this, too, since the province receives a lot of snow, winters are long, and there are lots of flatlands for cruising around. For some, snowmobiles are a helpful tool to get from point A to point B on a ranch, a fun way to spend quality time with friends and make memories, or a method for exploring the great outdoors on your own. So, let’s face it—when that snow is looking all fluffy and white, you’re not going to think twice before heading out for a ride. This is a common mistake snowmobilers make: waiting until the snow hits the ground to get the right coverage for their ride, or worse, embarking on an adventure without it. We’re not even going to mention the thought of your snowmobile going for a rip in the middle of the night when you’re asleep… and then never coming back. Snowmobile insurance can protect you against all these things. Here’s our guide to Sandbox snowmobile insurance, broken down the delightfully simple way. 

DEBUNKING MYTHS & MISCONCEPTIONS

It is a common misconception that snowmobiles are covered as part of a home insurance or car insurance policy, when kept in a garage, for example, but this is not the case. You can only receive coverage for a motorized vehicle if you have the unit specifically insured. The same goes for cabin and cottage insurance, condo insurance, and tenant insurance. Snowmobile insurance and trailer insurance are the two best ways to prevent losses and perils from taking the fun out of your ride, trust us. 

SNOWMOBILE INSURANCE COVERAGES

If you’re new to snowmobiling or the snow in general, protecting yourself from harm’s way is essential to having a great time and a safe ride. At the end of the day, your only worry should be which way to go. With delightfully simple snowmobile insurance from Sandbox, you can just focus on the fun and receive coverage for:

• Collision and upset: This means that if your snowmobile is involved in a collision with another object or roll over, this is the part of the insurance policy that covers the damage. 
• Comprehensive: Comprehensive covers your vehicle from non-collision-related incidents, the things that could happen to it when you’re not driving it. See the ins and outs of comprehensive coverage in our “What is Comprehensive Car Insurance” article.
• Specified perils: This part protects you from loss or damage to your snowmobile from theft, natural disasters, lightning, hail, rising water, fire—you get it.
• Increased liability limits: Sharing your snowmobile with the whole crew? Sandbox offers the chance to increase your liability higher than the standard. 

Speaking of insurance coverage and more than one driver—did you know that we also offer the opportunity to add optional coverage for underage operators? This endorsement means that a person aged 12-15 can be insured when operating a snowmobile vehicle if it’s less than 550 CCs. Some other benefits to insuring your Saskatchewan winter ride with Sandbox are that:

1. We can provide coverage for both licensed and unlicensed snowmobiles. 
2. The plate coverage of some provincial competitors does not provide physical damage coverage (comprehensive or collision), and our policy can!

HOW MUCH DOES SNOWMOBILE INSURANCE COST?

While we can’t give you a quote just by reading this article, we can tell you that the rates of your snowmobile and trailer insurance premiums are dependent on a few factors. Think of it like buying a snowmobile jacket—you don’t just pick the first one you see. There are things to consider first, things like:

• License: Being of full legal driving age or an underage operator will not only make a difference on what kind of sled you can drive but also your insurance.
• Driver: Your driving record is attached to your driver’s license and any other operators listed on the policy.
• Make and model: The type of snowmobile you own. No two snowmobiles and riders are the same. Higher power calls for higher premiums, typically.

WHERE CAN YOU GET SNOWMOBILE INSURANCE?

Getting a Saskatchewan snowmobile insurance quote and policy starts by visiting your nearest Sandbox Mutual Insurance broker. Find the one closest to you in the province by using our interactive broker map. 

Have a few more questions about snowmobile or auto insurance in general? Learn more about protecting your machine and best interests on our Snowmobile Insurance page.

I GOT MY INSURANCE, WHERE CAN I RIDE IN SASKATCHEWAN?

Well, look at you, all set up with your insurance and ready to hit the trails! To answer your question, there are a few public trails located throughout the province of Saskatchewan for sledding. The Saskatchewan Snowmobiling Association has mapped out all the public access trails in the province as well as when they’re available. Search by location, difficulty level, and trail conditions, so you know exactly what to expect—check it out.

Please note that the information in this article may not accurately reflect your insurance policy from Sandbox Mutual Insurance or another insurance company. Please refer to your policy or talk to your broker about your specific coverages.