To properly insure a newly purchased snowmobile, what should the advisor do?

Covering a snowmobile under the OAP 1 is a suitable choice because the OAP (Owner's Automobile Policy) is designed to provide various types of coverage for vehicles. Snowmobiles, while considered recreational vehicles, can be insured under this policy as long as they meet specific criteria outlined by the insurer and the provincial regulations.

The OAP 1 policy includes coverage for third-party liability, accident benefits, and specific conditions applicable to vehicles like snowmobiles. This makes it a practical option for insuring a snowmobile, ensuring that the owner has adequate protection against damages or liabilities that may arise from its use.

The alternative options may not provide the same level of tailored coverage. For instance, extending liability from a homeowner’s policy might not adequately cover all risks associated with operating a snowmobile, such as specific recreational use. An "all risk" policy specifically for recreational vehicles could be an option but typically involves higher premiums and may not be as readily available for all owners. Lastly, while liability coverage can apply to snowmobiles under 4500kgs, it does not encompass the full range of coverage necessary for all potential risks associated with the ownership and operation of a snowmobile. Thus, using the OAP 1 is a comprehensive