Insurance

Liability insurance

As the owner of a snowmobile, you are required by law to have a civil liability insurance policy covering bodily injury or property damage your vehicle might cause to other people. This policy must provide at least $500,000 of coverage. This liability insurance is mandatory for all snowmobile drivers, whether or not they use the trail network.

Liability insurance at a preferred rate EXCLUSIVELY FOR FCMQ MEMBERS!

When you buy your snowmobile trail permit, you automatically become a member of the FCMQ and obtain $1,000,000 in civil liability insurance coverage from Intact Insurance.

By including this insurance with the permit, the FCMQ makes sure every member is protected in case of an accident, at a very low price because of the size of the network. The liability insurance comes to only $42.60, tax included, and this amount is part of the cost of your trail permit.  

Compare this with what your insurance company offers, and make sure the amount they are quoting is for a $1,000,000 insurance policy, not a second layer of $1,000,000 added to an existing million-dollar coverage to bring your total protection to $2,000,000.

Get $2 million in liability insurance at a very affordable price 

Would you like even more protection? If you are a Quebec resident, you can increase the limit of your Intact Insurance liability insurance policy to $2,000,000, for an additional premium of only $20.19.

In all, your $2,000,000 of coverage will cost you only $62.79, which compares very favourably with other offers on the market.

YES, I want to increase my liability insurance to $2,000,000!

For more information... 

Would you like to know more about the liability coverage from Intact Insurance offered with the FCMQ trail pass? When you buy your permit, you receive a Distribution Guide that contains all the basic information. The Quebec Automobile Insurance Policy Form has full details of the coverages described in the Distribution Guide. Follow the links to view these documents.

Would you like a paper copy of your insurance documents? Simply call 1 844 223-4156

Other available options

Do you already have liability insurance for your snowmobile, or do you think you can get coverage for a better price? You have the option to purchase a trail permit without insurance. Find out more under Trail Permit – Information.

If you have already purchased your trail permit and wish to cancel the liability insurance included with it, for a refund, fill out the form provided.

ATTENTION! You have a 10-day complimentary examination period. After the first 10 days, only the portion of the insurance premium that is an overpayment can be refunded.

Be protected… and save money with liability coverage from Intact Insurance, included in the price of your trail permit!