Liability Insurance
Mandatory coverage, included with your trail permit, that protects every snowmobiler in the event of an accident
on the trails or anywhere else.
Annual trail permit
In accordance with the Act respecting off-highway vehicles, every snowmobile owner is required to carry a minimum of $1,000,000 in liability insurance. This coverage is designed to compensate for any material or bodily damage caused by your vehicle. It is mandatory for all snowmobile drivers, whether riding on or off trail.
As the official insurer of the FCMQ, Intact Insurance offers liability insurance at a preferential rate, available exclusively to FCMQ members. By purchasing your trail permit, you automatically become a member and benefit from $1,000,000 in coverage.
This insurance, included in the cost of your annual trail permit, protects each member in the event of an accident. Thanks to the strength of the FCMQ network, the cost remains highly advantageous at only $30.80.
Do you want increased protection? Quebec residents can upgrade their Intact Insurance liability coverage to $2,000,000 for only $22.00 (taxes included).
Your insurance documents
For more information, please refer to the Summary provided with your annual trail permit.
Reimbursement of civil liability insurance
Have you purchased your trail permit with insurance and wish to cancel the civil liability insurance portion? You can request a refund by completing the form provided for this purpose.
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Notice received within 10 daysDepending on the effective date of the insurance—100% refund of the amount paid.
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Notice received after the 10th dayPartial refund, calculated according to the Cancellation Schedule attached to your F.P.Q. Policy No. 1.
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Notice received before the effective dateInsurance — 100% reimbursement of the amount paid.
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Notice received after the effective dateinsurance — no reimbursement.
Frequently asked questions
Answers to snowmobilers' most common questions.
Need more details? Check out our complete FAQ.