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Snowmobile insurance

Motor liability insurance and comprehensive motor vehicle insurance protect you and your snowmobile

1

Easily check the price of snowmobile insurance online

Insuring your snowmobile and registering it are both easy to do online at the same time.

2

Snowmobile insurance protects year-round

Seasonally rated insurance is valid throughout the year, with the premium automatically lower than in winter.

3

Benefits on snowmobile insurance for OP cooperative bank owner-customers

OP cooperative bank owner-customers can also use OP bonuses to pay insurance premiums now and in the future.

Calculate the price

Snowmobile insurance discount for prime customers

When you are a Pohjola Insurance prime customer, you receive a discount on our snowmobile insurance. Learn more about the discounts and benefits of our prime customers and request an offer of multiple insurances conveniently online.

Check if you are a prime customer

Get snowmobile insurance easily online – coverage and bonuses all in one go

The law requires that snowmobiles are insured with motor liability insurance that covers personal injuries and property damage suffered by the innocent party. To get the best protection for your snowmobile, you should also insure it with optional comprehensive motor vehicle insurance. Comprehensive motor vehicle insurance also covers loss or damage to your snowmobile in the event of a collision, theft or vandalism.

You can calculate the price and buy snowmobile insurance in Pohjola Insurance's online store. At the same time, you can also register the snowmobile.

As a Pohjola Insurance prime customer, you are entitled to a discount on snowmobile insurance. If you are also an OP cooperative bank owner-customer, you earn OP bonuses that can be used to pay insurance premiums or other fees.

A snowmobile’s comprehensive motor vehicle insurance also covers your helmet.

Snowmobile insurance is valid year round

When your snowmobile's insurance is in order, you can hop on for a ride whenever the snow calls. Snowmobile insurance is valid all year round with a seasonal rating. Your costs are adjusted automatically depending on the snowmobiling season – in other words, the price is lower during the summer.

How snowmobile insurance works:

Always valid: motor liability insurance and comprehensive motor vehicle insurance for the snowmobile are valid year round – no need for decommissioning or separate laid-up insurance.
Seasonal rating: the insurance premium is automatically lower during summer months when the snowmobile sees less use.
Always ready to go: you can go out for a ride as soon as the weather allows it, without needing to do anything to activate the insurance.

How is the price distributed per month?

What does motor liability insurance for snowmobiles cover?

Motor liability insurance (third party liability insurance) is required by the law for snowmobiles. It covers damage caused while riding the snowmobile. Motor liability insurance provides coverage against personal injuries suffered by the rider and other parties and property damage caused to the innocent party.

Motor liability insurance covers:

personal injuries to the rider and passengers
personal injuries and property damage to the innocent party
losses and damage that occur on private properties or on the ice, if the incident falls under the Motor Liability Insurance Act.

A snowmobile that does not have motor liability insurance cannot be used anywhere, not even in off-road areas.

What does the voluntary comprehensive motor vehicle insurance for snowmobiles cover?

Motor liability insurance alone does not cover damage caused to your snowmobile – this requires comprehensive motor vehicle insurance (casco). Comprehensive motor vehicle insurance offers financial security if your snowmobile is damaged or stolen or catches fire.

Comprehensive motor vehicle insurance options:

Maxi Motor Insurance offers the most comprehensive cover against accidents, collisions, theft, vandalism and more.
Medium Motor Insurance is a more affordable option that covers theft and fire damage, but not collisions or accidents.

Thanks to the seasonal rating, the snowmobile insurance is valid year round, and your snowmobile is also covered against theft or fire during the summer.