Snowmobile/ ATV

Insurance Information

Gwilliames & Associates provides comprehensive insurance policies for all makes of snowmobiles such as Ski-Doo, Arctic Cat, Polaris, and Yamaha.

Get great snowmobiling information at OFSC (Ontario Federation of Snowmobilers Club). If you are an OFSC member you could be entitled to an additional discount towards your snowmobile insurance

Snowmobile insurance coverage is better placed with the same company that insures your autos. Most companies will not write stand alone policies without supporting business from you the client. For your current company to not offer or write your snowmobile, is that really a company that you feel indebted too?
Some restriction will apply based on cc’s, years of experience and age of driver.

Please give a call or send an email for quotes. Please also allow our office the opportunity to become your broker of choice for all your insurance needs.


  • Coverage available on higher CC’s including high performance snowmobiles
  • Theft coverage
  • Agreed Value – (Replacement Cost)
  • All Risk protection
  • Liability including medical payments

Liability coverage for auto is mandatory in Ontario with a minimum limit of $200,000 – however we highly recommend you carry a minimum $1,000,000 or higher limit. We are in a litigious society and many suits are seen far in excess of these minimum limits – higher limits are available at an additional cost.

Accident Benefits – provides coverage to the driver and any occupant that is injured in your vehicle. If others carry their own auto insurance or have parents that have their own insurance, their own insurance company will provide coverage. However if no other coverage is in place, the vehicle owners insurance will respond. Also included is coverage to aid rehabilitation. Income replacement is provided under the policy with for a basic limit of $400.00 net weekly income. Limits of income are available up to $1000 per week at additional cost. Please ask your broker for a quote.
Coverage applies only after any other personal or group income replacement insurance.

Collision – coverage for physical damage to your vehicle your fault. I.e.: hitting a curb, another vehicle, sliding on ice or snow, etc. A premium change may result from any claim under this section – weather conditions are not mitigating circumstances – it is up to you to drive according to the weather and road conditions. Deductibles apply.

DCPD – where damages occur to your vehicle by collision with another vehicle and it is clearly proven that there is no fault on your part. This section will pay for your damages or loss of use without cost to you on a no deductible basis or an alternate deductible you have chosen for a lower premium consideration.
Claims under this section do not affect your premium rating.

Comprehensive – covers, fire, theft, vandalism, windshield breakage, glass breakage, and falling objects and any other damage other than by collision or upset. (This does not provide against theft of contents stolen from inside your vehicle) Unless it is a part of your vehicle it is considered your own personal contents and should be covered under your home insurance or personal effects policy. Deductibles may apply.