Snowmobile and off-road safety checklist: 10 things to know

Off-road vehicles and snowmobiles serve as popular recreational options for many residents of Canada. In certain regions, these vehicles are also essential for transportation in remote areas and during emergencies. However, it is important to recognize that such vehicles require responsible operation. Individuals planning to drive an off-road vehicle or snowmobile should carefully review the following snowmobile safety tips and guidelines before heading out on trails.  

1. Review the local laws. If you’re new to operating an off-road vehicle or snowmobile, or simply need a refresher on the rules, take some time to review the relevant provincial and territorial laws that apply in your area. Across Canada, the operation of off-road vehicles and snowmobiles on public roads is generally prohibited, though certain exceptions may exist depending on local regulations. 

To ensure safe and legal use, consult the specific acts and regulations governing off-road vehicles and snowmobiles in your province or territory, such as the Highway Traffic Act, Off-road Vehicles Act, Motorized Snow Vehicles Act, or their equivalents. Always check with local authorities or government websites for the most up-to-date information on where and how you can operate these vehicles safely and lawfully.

2. Check the weather forecast. Check the local weather forecast and ice conditions before heading out. If freezing rain or a blizzard is on the horizon, you’re better off cozying up inside and saving your ride for another day.

3. Inspect your vehicle. Before every trip, inspect your off-road vehicle or snowmobile to ensure everything is in good working order. Your life may depend upon it. Double-check your tank’s fuel level and confirm that your emergency kit is fully stocked.¹ Read your owner’s manual carefully, and always keep it with your vehicle.

4. Wear the proper safety gear. You must wear a helmet when driving or riding on an off-road vehicle or snowmobile. The only exception is when you operate the vehicle on your land, but wearing one for safety is still highly recommended. Your helmet must meet the standards approved for motorcycle or motor-assisted bicycle helmets and be appropriately fastened under your chin. Even if not mandated by law in all provinces or territories, wearing both a helmet and eye protection is considered best practice for safety on trails and in off-road conditions.

Across Canada, when operating or riding on an off-road vehicle or snowmobile, it is strongly recommended to wear protective eye gear, such as a face shield or goggles, in addition to a helmet. The use of a face shield or goggles is advised to protect your eyes from wind, debris, snow, and branches that you may encounter while riding.

5. Dress for success. Dress in layers to protect yourself against prolonged exposure to cold wind-chill temperatures.¹ Outer layers should be waterproof and well-insulated, and inner layers should be made from moisture-wicking fabric. Avoid naturally absorbent materials like cotton, as they can make you colder if they get wet. If you snowmobile often, consider purchasing a buoyant snowmobile suit, especially if you travel over frozen lakes and rivers.¹

6. Plan your route. Before you ride, always take some time to plan your route and share it with a trusted family member or friend who can call for help if you don’t return as planned. Consider turning on your mobile phone’s location-sharing settings to allow your family member or friend to keep track of your location throughout your trip. Use the buddy system, and drive your off-road vehicle or snowmobile within your abilities and according to conditions.¹

7. Stay sober. Operating an off-road vehicle or snowmobile while under the influence of alcohol or drugs is dangerous and against the law.¹ Drivers found to be impaired by alcohol or drugs will be charged under the Criminal Code.¹ If convicted, you could lose your driving privileges for all types of vehicles.¹

8. Stick to public trails. Canada has many established and maintained public trails patrolled by various law enforcement agencies, especially in Ontario.¹ Some trails require that you have and display a trail permit to drive on them.¹ For more information about trails and trail permits, visit the Ontario Federation of Snowmobile Clubs' website.

It's strongly recommended that drivers avoid crossing frozen bodies of water.¹ However, if you absolutely must venture onto ice, be sure you've reviewed the Canadian Council of Snowmobile Organizations' Ice Smart Safety Tips beforehand.

9. Obey the rules of the road. Just like with any vehicle, too much speed can lead to trouble. If you follow the speed limit – or slower in poor conditions – you’ll have better traction and more control. Speed limits for off-road vehicles and snowmobiles vary depending on your location, so be sure to research municipal bylaws ahead of time.¹ Familiarize yourself with the correct hand signals and when to use them to tell others what you want to do and give them a chance to slow down or stop.

10. Carry your proof of insurance with you. If you plan on buying a new off-road vehicle or snowmobile, remember that it must be registered and insured to drive it off your property.¹ Carry your insurance card with you every time you ride in public areas and show it when a police or conservation officer asks for it.¹

Insurance for your off-road vehicle or snowmobile

Sometimes accidents happen, even when you obey the rules and do your due diligence, but that’s what snowmobile insurance is for! The most common types of coverage you may find in your policy are:

• Accident benefits coverage
• Collision coverage
• Comprehensive coverage
• Third-party liability coverage

Generally, most of Canada requires liability insurance coverage to drive your off-road vehicle or snowmobile off your property, requirements vary by province.¹ Still, you may want to increase your limits to ensure you have enough protection in the event of an accident. Depending on your insurer, you may want to consider additional optional coverage for your riding gear.

Whether you’re powering through rugged trails on your ATV or carving fresh tracks on your snowmobile. Make sure you’re protected for every ride. Orbit Insurance Services offers tailored coverage for off-road vehicles and snowmobiles, giving Canadian riders peace of mind all year long. Request your quote today and get affordable, comprehensive protection built for your lifestyle. If you have a policy with Orbit and want to call to adjust your coverage, contact an Orbit insurance broker today.

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1.    Transports Canada – Off-Road Vehicles