Toy Insurance?

Irocaz · Apr 19, 2017

do any of you have separate insurance policy's for your Toys? does it make sense or better to pair with auto? I'm stuck in the middle right now of my renewal on Friday.

everything is just fire/theft and liability with a multi discount being home/auto

2 2015 800 doos $194 each
2015 rzr 900s $300
2015 utility trailer(rzr) $59
2016 husky 300 $577

then my other option my broker quoted me with Aviva but turned around and didn't recommend them as they are difficult if a claim needs placed. Toys were more but our car and truck were a lot cheaper that would save overall $440 yr.

rsaruk · Apr 19, 2017

I have my quad at a different company as RBC was way higher on it but alot cheaper on the car and truck.

ABMax24 · Apr 19, 2017

We have everything at TD, sleds, rzr, truck, jeep, and house, we pay a fair bit but do get a discount because everything is together, our rate is also higher because we are under 25.

Joholio · Jul 24, 2017

$147/yr fire theft and liability-2013 800 Summit

$152/yr fire theft and liabilty-2015 800 Summit

$278/yr fire theft and liability -2007 wr450

Sleds seem reasonable
Bike seems high

Comments??

arff · Jul 24, 2017

We are with Dalton Timmis out of Calgary.
Everything is separate

Some with different insurance companies.

As some companies don't cover street bikes.

neilsleder · Jul 24, 2017

Joholio said:
$147/yr fire theft and liability-2013 800 Summit

$152/yr fire theft and liabilty-2015 800 Summit

$278/yr fire theft and liability -2007 wr450

Sleds seem reasonable
Bike seems high

Comments??

Back when I had my 450 it was way higher then my sled. Called and asked why they said must be the price of the bike. Told them it was half as much as the sled. Then they said it was the cc of the machine. Once again I said it's pretty much half. Then they said that just they way it is lol.

rsaruk · Jul 24, 2017

Was told dirtbikes are easy to steal since no key so theft is much higher on them.

Cableguy · Jul 24, 2017

my nephew is in insurance he said bikes are more cause they have wheels and are easier to steal kinda makes sense

busted2x · Jul 24, 2017

Td is by far one of the best. I have all my stuff with them, super easy to deal with from the customer end of things, not the easiest from the shop end, but their pricing is tough to beat. Dirt bike is like 60$/year, sled bout 75, 2012 Harley is the most expensive toy at 380/year. Even my 2015 cummins FULL coverage is just over 800. These prices are me being 29 years old with 2 license suspensions from my younger dumber days. Just got a call from them a couple weeks ago to thank me for being a customer for 10 years, and they added no charge accident forgiveness.

WarrenG · Jul 25, 2017

arff said:
We are with Dalton Timmis out of Calgary.
Everything is separate

Some with different insurance companies.

As some companies don't cover street bikes.

Just switched over to Dalton earlier this year and saved a lot on vehicles and on the commander compared to Johnson as they're all on one auto plan. Trailer is insured through them but a different provider.

Toy Insurance?

Irocaz

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