Protect Your Ride with the Right Snowmobile Insurance
When Ontario’s trails call and the snow begins to fall, there’s nothing quite like the freedom and excitement of riding your snowmobile through pristine forests and across frozen lakes. But with every thrilling ride comes a level of risk, whether it’s collisions with obstacles, theft from unsecured storage, liability for injuries to others, or unexpected damage caused by harsh winter conditions.
That’s why having reliable snowmobile insurance isn’t just a smart choice; it’s absolutely essential for protecting both your investment and your peace of mind.
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At ONA, we understand that no two riders are the same. You need more than just the cheapest snowmobile insurance. You need comprehensive coverage that fits your lifestyle and your budget.
That’s why we offer personalized snowmobile insurance plans tailored to your riding style and preferences. Whether you’re an occasional weekend adventurer or a competitive rider participating in organized events, our coverage options can be tailored to protect you from the risks unique to your snowmobiling lifestyle.
From comprehensive protection against collisions and weather damage to coverage for theft and liability, we make sure you’re ready for whatever the season brings.
Don’t let the unexpected slow you down; trust Oegema, Nicholson & Associates to keep you covered and confident so you can focus on enjoying every moment on the trails.
What Does Snowmobile Insurance Cover?
ONA collaborates with leading Canadian insurers to offer snowmobile insurance coverage tailored to your lifestyle and budget. Here’s what’s typically included:
Third-Party Liability Coverage
Protects you if your snowmobile injures someone or damages someone else’s property. This is the minimum required coverage for public trail use in the province of Ontario.
Accident
Benefits
Provides compensation for medical expenses, rehabilitation, income replacement, or death benefits if you’re injured in an accident involving your snowmobile.
Collision
Coverage
Pays for repairs of your snowmobile, up to the value of the machine, if you’re involved in a crash, whether with another snowmobile, vehicle, or a stationary object like a tree or fence.
Comprehensive
Coverage
Covers non-collision events such as fire, theft, vandalism, or damage from severe weather.
Uninsured Automobile Coverage
If a rider injures you, and they do not have insurance, this coverage helps pay for your damages and injuries.
Why You Need Snowmobile Insurance in Ontario
Whether you’re cruising scenic trails in Muskoka or competing in an organized event near Ottawa, snowmobiles come with a unique set of risks.
Snowmobile insurance is designed to protect both you and your sled from financial losses caused by:
Collisions with other vehicles, people, or objects
Vandalism and theft
Fire or weather-related damage
Third-party liability if you cause injury or damage to someone else's property
Ontario law requires snowmobiles operated on public lands or trails to carry liability insurance. However, beyond legal requirements, proper insurance provides peace of mind, knowing that if something goes wrong, you’re not facing the costs alone.
Tailored to How—and Where—You Ride
At ONA, we don’t believe in one-size-fits-all policies. Every snowmobiler has a different style of riding and usage pattern. Some ride every weekend through the winter, while others keep their sleds tucked away at the cottage for occasional use.
That’s why we take the time to understand:
- Where you store your snowmobile
- How often you ride
- Whether you use it for recreation or competition
- If it’s operated on private property or OFSC trails
- The make, model, and value of your sled
This information helps us find the most appropriate coverage, often at better rates than generic policies offer.
The Risks of Riding Without Insurance
No protection from theft or fire unless you've added your snowmobile to your policy
No liability coverage if you cause injury to another rider or property
No coverage for medical expenses or income loss if you're injured
Worse still, if you’re caught riding uninsured on a public trail, you could face fines or even suspension of your driver’s licence.
How Much Does Snowmobile Insurance Cost in Ontario?
The cost of snowmobile insurance depends on several factors, including:
Your age and driving history
The type and value of the snowmobile
Where it's used
Your chosen deductibles and coverage limits
We work with top insurance providers to help you find affordable snowmobile insurance without sacrificing protection.
And as brokers, we shop the market for you, so you can spend less time comparing policies and more time on the trails.
Bundle and Save with Oegema, Nicholson & Associates
Already have auto, motorcycle, or home insurance with us? Are you a dealer that sells new vehicles and snowmobiles? We may be able to create a customized bundle for coverage with reduced overall premiums.
Why Choose Oegema, Nicholson & Associates for Your Snowmobile Insurance?
We’re not just insurance brokers; we’re passionate about helping Ontarians protect the things that matter most to them. With over 50 years of experience in the Ottawa community, ONA brings deep industry knowledge, personalized service, and a commitment to finding the best protection at a fair price.
As residents of Eastern Ontario, we know all about the joys of sledding on the trails of Ontario and Western Quebec. We want to make sure you’re covered for any outcomes.
Whether you’re buying your first sled or insuring a whole fleet, we make the process stress-free and straightforward.
With Oegema, Nicholson & Associates’s snowmobile insurance, you get the peace of mind to ride with confidence, no matter what Ontario’s winter throws your way.
What Our Clients Are Saying
Real stories from people who trust
Oegema, Nicholson & Associates Insurance
“One call to Oegema, Nicholson & Associates is all it took. After our basement flooded, within a day or two they had a crew cleaning everything up, taking down the drywall and itemizing everything to be cleaned, thrown out or restored. They had everything in place for us in a timely manner and were extremely patient with me as they talked me through the process and waited for me to make decisions.”
Jennifer Parks, Stittsville, Ontario
“I’ve been dealing with ONA for over 20 years with my personal insurance, as well as our commercial insurance, and I know I can rely on them for great customer service, and prompt responses. I feel confident not only referring them to my employees, but to our customers as well.”
Charlene Brunet, Butler Group of Company
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