Public liability insurance included with your trail permit
Every snowmobiler is required by law to hold an insurance policy covering civil liability for bodily injury or property damage caused by the snowmobile with a guaranteed minimum coverage of $500,000. This civil liability insurance is mandatory for all snowmobiles, whether ridden on a trail or not.
Good news! In purchasing your trail permit, you become a member of the FCMQ and are therefore automatically the holder of civil liability insurance worth $1,000,000 from Intact Insurance. By including this insurance with its trail permit, the FCMQ protects all of its members in case of accident, and does so at a very modest cost thanks to its significant buying power. In effect, your civil liability insurance costs you only $42.60 (taxes included), the cost of which is included in your trail permit fee. Compare this cost to what your insurer is proposing and you will see that the Federation’s offer is quite advantageous.
$ 2 000 000 liability insurance
When you buy your snowmobile trail permit, you also receive civil liability insurance coverage for $ 1 000 000 from Intact Assurance. If you are a Québec resident, you can make your protection even stronger by increasing this amount to $ 2 000 000.
You would like to know more about the public liability insurance offered by Intact Insurance with the purchase of your FCMQ trail permit? The Distribution Guide that is provided with the purchase of your trail permit contains all of the essential information on the subject. In addition, the Quebec Automobile Insurance Policy Form (Q.P.F. no. 1) explains in detail the protections provided in the Distribution Guide. To consult the Distribution Guide or a copy of the Quebec Automobile Insurance Policy Form, please click on the relevant link below.
You can, nonetheless, purchase a trail permit without this insurance coverage and, if this is what you wish to do, simply use the link provided on "Trail permit - Informations" page.
Furthermore, if you have already purchased a trail permit and wish to rescind the included civil liability insurance and obtain a reimbursement, please fill out this form to obtain your refund.