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Replacement Insurance Snowmobile

Snowmobile Safety Tips for this Winter

We live in Canada, one of the most amazing places on earth. One of the reasons it is so great, is we get the privilege of experiencing 4 seasons. Some may say this is a curse; and rightfully so. -50’C is not “family snowman building” weather; but it is a fun experience to share with people in Jamaica to see their jaw drop. 

That being said, there is some winter fun to be had. Skiing, Snowboarding, Skating and Snowmobiling are just a few activities we can enjoy. With every fun thing, there is always a risk, so make sure you wear helmets and don’t push your limits too far. Limits are meant to be tested, that’s part of the fun. Just be careful and maybe think twice before you try that double gainer flip in the terrain park. 

Snowmobiling in Saskatchewan has many freedoms along with it. You can drive from field to field (with the farmer’s permission) for miles and miles without seeing anyone or crossing any roads. However, there are times when you will need to get across a road or two and when you do, you need to make sure your snowmobile is licensed. Many people believe that they do not need to license their snowmobiles as they are operating only on private land. That may be true, but you need to realize that any crown land: pasture, ditches, lakes, rivers, roads, town limits, snowmobile trails and mountains all require your snowmobile to be registered. If you do not register your snowmobile and you drive onto crown land; not only can you be fined, but you can be held liable if you damage someone’s property or injure someone else; no insurance coverage will apply. 

In Saskatchewan, the registration does not cover any physical damage to your snowmobile or any injuries to yourself while operating the unit. If you want coverage for your snowmobile, you need to put a package policy on your sled. These snowmobiles are getting quite expensive, so make sure you take care of that investment. We offer packages that cover collision and comprehensive losses; if you want strictly fire and theft coverage, we can make that work for you as well. The insurance company, Oasis, actually offers replacement cost coverage on new snowmobiles for 2 years. Please contact us if you purchase a new snowmobile and we can get this coverage in place for you. 

With any sport, it is important to do your research before you jump into it with both feet. If you’re riding in the mountains, be sure to check the snow conditions and avalanche reports. Go to the local store and rent probes, avalanche packs and GPS beacons. Make sure you test these out and figure out how to use them beforehand, as these can save your life. In the prairies, watch out for fences and dugouts, these can sneak up very quickly at high speeds. So keep your eyes in front of you at all times. The winter can get very cold, so dress accordingly and pack an extra jerrycan for emergencies. 

We want you to enjoy this winter, so make sure you take care of yourself, your sled, and those around you – even if your buddy wants to “Send it!”

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