Vehicle & Recreational

Snowmobile

Insurance

Snowmobiling… one of the best parts about our Canadian winters. Is your snowmobile your pride and joy or simply a means of getting from point A to point B? As you can imagine, the way you look at your snowmobile says a lot about how you want to protect it.

Many power sport vehicle owners assume they can get by with limited insurance but at a minimum you should have liability coverage, medical payments to protect you in the event you suffer an injury, comprehensive insurance to provide coverage in the event of a theft, fire or vandalism and uninsured driver coverage for damage caused by uninsured or underinsured drivers. Other considerations include collision coverage, trailer insurance, and equipment insurance (hauling camping/fishing gear). We’ll put together options so you can be confident you have the protection you need for both you and your snowmobile.

Get a Quote

Know Your Options

1-888-278-7584

1-888-278-7584

Let’s get started in helping you find YOUR insurance solution.

Call Advocate today for a Snowmobile Insurance quote.

What should I do in the case of a hit and run?

It is important to report this to the police within 48 hours and to have a police report available to share with the insurance company. In hit and run instances, the claim will be considered not at fault if it is reported to the police, but your collision deductible will apply.

Why did my insurance premium increase?

There are a number of factors that could cause your insurance premium to increase.   All insurance companies must have their Ontario auto rates approved by the Government regulator, Financial Services Commission of Ontario (FSCO).  Depending on the details of your policy, your rates could go up on renewal when you enter a new policy period.   Or perhaps you’ve made a change to your policy such as –

  • Change the use of the vehicle (i.e. commuting distance)
  • Added/deleted vehicles
  • Added/deleted a driver
  • Suffered a recent claim
  • Amended coverage, limits or deductibles

Always work with a licensed insurance broker who will take the time to review your policy with you and answer any questions you have.

Do I need to inform Advocate if I start driving for a ride sharing program such as Uber?

Yes. How you use your vehicle has an impact on your insurance. Your insurance company will want to know if you use your vehicle for a ride sharing program. Although Uber now has their own fleet policy in place for their employees, some insurance companies have different requirements if you are driving for Uber. It’s always best to check. Let us know if you’d like to discuss how the insurance companies that we work with, handle ride sharing vehicles.

If I’m travelling outside Canada in my vehicle, do I need to inform Advocate?

Your Ontario Automobile Insurance policy will provide coverage while travelling within Canada and the United States. Your insurance company will need to know if your vehicle is outside of Canada for 6 consecutive months.

We recommend that if you are making frequent trips outside of Canada, that you increase your liability limit to ensure you have sufficient coverage in the event of a loss outside of Canada. Many clients are surprised how inexpensive it is to increase their liability limit. Call us today and we will give you a quote.

What happens if I lend someone my vehicle and they get in an accident?

When you lend your vehicle, you also lend your insurance. In the event someone is involved in an accident while using your vehicle, your own policy will apply and your insurance company will respond for the accident. Please remember that depending on the nature of the accident this could impact your insurance record and your insurance rates.

  • "We have recommended Advocate to many of our friends and family and anyone who got a quote also switched companies. Customer service is also excellent and I have and will recommend them again and again."

    - S. Hunter
  • "After a car accident, I was treated very well by Advocate's Personal Recovery Coordinator Linda. I am a happy customer and have referred many others to try Advocate as their brokerage of choice."

    - D. Kalinowski
  • "Linda is extremely considerate, compassionate and provides a level of service that is rare in this day and age. She is a true professional and a fantastic representative for the Advocate Group! Thank you for the great service!"

    - D. MacDougall
  • "I have been with Advocate Insurance since I got my first apartment 26 years ago, and have always had great service. Even though I am no longer in in the Kitchener-Waterloo area I still use them for them for all my insurance needs."

    - C. Johnson
  • "We were with the same insurance company for over 20 years, assuming that we were getting the best bang for our buck until we got a quote from Advocate. We saved a considerable amount of money on the insurance and our liability coverage was substantially higher."

    - S. Hunter
  • "I was referred to Advocate Insurance by a friend/home caregiver. They were easy to work with and explained everything clearly. They also are great at knowing what kind of daycare insurance I need for running a home daycare. I now recommend Advocate Insurance to everyone I talk to."

    - C. Goga
  • "My husband recently was involved in a 'fender-bender’ and was deemed not at fault. However, our car suffered considerable damage. Advocate Insurance Group handled our claim quickly and to our complete satisfaction. What could have been a difficult situation was stress-free."

    - J. Anthony
  • "I consider Advocate my insurance family. I always feel welcome and appreciated whether it be purchasing new insurance, changing existing insurance or simply obtaining clarification on a specific matter."

    - D. Kalinowski
  • "With two children becoming drivers at the same time, Advocate was very patient with all the changes being made. I always tell people to go to Advocate and they've never been disappointed."

    - K. Crane
  • "Advocate has been great for our business. Annual renewal is smooth and easy. Their friendly and personal service is second to none, and their skill set and expertise instills confidence that we are getting the best deal."

    - S. Dunn