Modern snowmobiles are cutting-edge machines that provide plenty of horsepower and superb maneuverability. They are designed to provide thrilling rides and take their owners into areas of the province that are normally inaccessible. Riders can travel powdery expanses or nicely groomed paths while getting outside into the province’s amazing outdoors, and the sport exemplifies the adventurous spirit of the people of Alberta.
Snowmobiles range in price, from less than $1,000 for an older used model (most likely lovingly rebuilt) to more than $20,000 for a high-tech new model with all the bells and whistles. As snowmobilers tend to be part of a tight-knit community, there is a level of trust and owners watch out for each other. When someone is dishonest, it’s very disappointing.
Newer (and older) scams continue to take snowmobile owners off-guard. Snowmobile insurance coverage is mandatory no matter how much your sled is worth, which can help recoup your losses after a theft or accident. Also mandatory in Alberta is a valid class 5 driver’s license and snowmobile registration in order to operate a sled. Probationary licenses are acceptable to drive, as long as restrictions are met (probationary riders must be supervised by a fully licensed driver in the passenger seat).
License plates can be displayed anywhere on the vehicle and must be visible.
Authorities warn of new sled-stealing scam
A recent Calgary Herald article details an intricate inter-provincial scheme that has led to the arrest of two people accused of fraudulently purchasing snowmobiles and then selling them again using fake IDs from stolen identification.
This complex ring involved a network of different people across Ontario, Alberta, Saskatchewan, and British Columbia, who were all using fake IDs to create credit cards and buy, deliver, and sell snowmobiles and the trailers that transport them.
Although the suspects have been arrested, this type of identity theft leaves a number of victims in its wake. There are those who had their identity stolen and now have to watch their credit closely and have more than likely been forced to close down their accounts. And then there are the stores who sold their snowmobiles in good faith to someone who had no intention of keeping them, no intention of paying, and only just wanted to turn around and sell them for a profit.
Keep your sled safe
Aside from out-and-out fraud, thieves are happy to use tried-and-true nefarious methods to steal a snowmobile to resell as quickly as possible, or to dismantle for parts. Protect your winter pleasure craft using the following methods.
- If you are leaving your snowmobile on a trailer in an unsecured location, use both a trailer lock to keep it immobilized, plus a snowmobile lock that will stop the treads from rolling.
- Always store your snowmobile in a locked garage or secure area when not in use.
- Never keep important documents, such as your registration and insurance, in your snowmobile. Make sure you have them on you when you are on the trails, then take them out when you’re not using your sled.
- It should go without saying, but do not leave your keys in the ignition.
- Consider installing a loud alarm system on your snowmobile to alert you and others if someone attempts to tamper with or move it.
Snowmobile insurance
When sledding on public land, like the famed Iron Horse trail, which is the world’s longest network of recreational trails spanning more than 300 kilometres, riders must be 14 years old or older to operate a snowmobile and the vehicle must be covered for a minimum of $200,000 public liability and property damage insurance. Don’t forget that helmets are mandatory in Alberta and that you’ll need to have an Alberta Snowmobile Association (ASA) Membership, which helps to maintain groomed trails.
It’s recommended first-time riders attend an accredited safety and operations class, which may assist with obtaining lower snowmobile insurance rates. The course, which is provided through the ASA website is available online, is absolutely free.
It’s also advisable to review the Safe Riders website for snowmobile tips and instructions that highlight the importance of snowmobile training.
Snowmobile insurance can vary slightly from provider to provider, but the basics are generally the same across the board. Fully enjoy your time on the trails knowing your property is protected by excellent coverage.
Snowmobile insurance provides these main areas of coverage:
- Third-party liability — If another party is injured or the use of your snowmobile damages their property, third-party liability coverage will help cover medical, legal, repair, and other costs. Third-party liability coverage is mandatory when riding on public lands in Alberta.
- Accident benefits — A snowmobile accident can cause serious injuries that may hamper your ability to work and make a living. Accident benefits can help cover for medical costs and lost income.
- Direct compensation — Direct compensation provides funds for repairs for an accident when you are not at fault.
- Uninsured snowmobile —Coverage for if you are involved in an accident with an uninsured driver is mandatory in Alberta.
- Property damage — Property damage coverage provides for the repairs or the replacement of your snowmobile if it is damaged or stolen.
- Collision or upset coverage — Covers for repairs caused by an at-fault accident with a vehicle or object.
Discover the Lane’s advantage for insurance in Alberta
Lane’s Insurance is a leading Alberta-based independent insurance brokerage. The key advantage of choosing Lane’s is that our professionals work for you, not for an insurance company. Our only goal is to match you with the coverage you need at exceptional value. We have privileged relationships with multiple carriers, so we can always provide multiple alternatives if you’re looking for quotes or insurance products. For personalized assistance, our friendly customer care experts are here to help. Please contact us if you have any questions.
