Power Sports Insurance


Whether you are looking for coverage for your outdoor adventures, snowmobiling expeditions, or summer weekend excursions, Unica offers a complete range of insurance products designed for owners of Power Sports vehicles including snowmobiles, ATVs, and watercraft.

Snowmobile Power Sports Insurance Program™

Unica’s Power Sports Insurance Program™ provides snowmobile insurance designed to meet snowmobilers’ specific insurance needs. The program has been endorsed by the Ontario Federation of Snowmobile Clubs (OFSC) and includes Unica's full suite of personal lines and commercial lines insurance products, along with:

  • Quality, competitively priced products and services
  • A unique program that benefits the snowmobile industry by making sled insurance more accessible, available and affordable
  • A program developed by snowmobilers, for snowmobilers
  • OFSC members benefit from a group discount on insurance
  • An additional discount is available when the sled is accompanied by a Private Passenger Vehicle
  • No monthly payment fee

Unica, in partnership with the OFSC, has developed a program that will encourage more people to go snowmobiling. The Power Sports Insurance Program™ also includes a major commitment to invest in promoting snowmobile safety nationally. The program works closely with the CCSO and its member organizations to remind grassroots snowmobilers to always make safety their top priority. This new safety partnership is the first of its kind in Canada. Learn more about Snowmobile Safety.

Snowmobile Insurance

Developed for snowmobilers by snowmobilers, the Power Sports Insurance Program™ is designed to meet your unique needs. We insure all types of standard, factory produced, non-modified, adult dual-ski snowmobiles - including Touring, Utility, Trail/Sport, Deep Snow/Mountain, Hybrid/Crossover and Performance models.

  • There is no upper engine size limit (minimum engine size is 200cc)
  • There is no maximum vehicle value limit
  • No vehicle age restrictions
  • Principal operator must be at least 16 years old and have a valid motor vehicle licence

Learn more about snowmobile insurance.

Unica also offers valuable options that can be added to your snowmobile policy.

  • We can provide coverage for snowmobile accessories and cutters/sleds other than factory installed equipment
  • Our Limited Waiver of Depreciation option is available on all snowmobiles except Performance types, for 24 months and ensures that you are reimbursed the original purchase price
  • Full coverage applies all year round so you don't have to worry about forgetting to call your Broker twice a year to add or remove coverage.
  • A highly competitive insurance offering

Additional eligibility requirements apply. Your claims history may impact the rate at time of policy issuance. You may also qualify for additional discounts when you insure multiple vehicles, your home and/or seasonal property with Unica. Ask your Broker for details.

Contact a Broker to see how you can LIVEasy™. Your Lifestyle. Your Needs. Your Way.