Insurance For Sled

DeNytroguy · Jan 15, 2018

Hey. Got a question. Recently purchased a sled. Looking for insurance, what do you guys use/recommend. Usually ride Sicamous - is 3rd party liability all I need (other than plate)? Any insight would be appreciated. Thanks

Lunch_Box · Jan 15, 2018

I have my sled insured through Statefarm, use them for everything (house, trailer, vehicles,...) so it was just easy to add the sled to the policy. I have fire, theft and liability.

I have never registered a sled so don't have plate.

ferniesnow · Jan 15, 2018

Yes, all you need is liability and registration.

moyiesledhead · Jan 15, 2018

You don't actually require 3rd party liability insurance on a sled in BC. ICBC agent will try to tell you you do though. You may want it anyway, but you don't need it by law. I've never carried it.

Section 3 (1) Forest Service Road Use Regulation.

ippielb · Jan 15, 2018

I’m insured through Oasis, and I got them through my broker at Harvard Western.

skegpro · Jan 15, 2018

Go fire and theft for the little extra.

bobsledder · Jan 15, 2018

Liability is 70 bucks from intact thru Capri insurance broker if you are a BCSF member

DeNytroguy · Jan 15, 2018

Thanks for info everyone! Will look into it all before my next ride - try to keep the friends in uniform happy!:d What kinda trouble can I expect to be in when sledding crown land without a plate?

skegpro · Jan 15, 2018

DeNytroguy said:
Thanks for info everyone! Will look into it all before my next ride - try to keep the friends in uniform happy!:d What kinda trouble can I expect to be in when sledding crown land without a plate?

I always leave mine in the truck.
Carry my registration.

Never had a problem.

No registration is a standard ticket, not sure what it's worth nowadays.

Panzerdog · Jan 15, 2018

My friend just got a ticket in fernie this weekend for not displaying his license plate $172 the conservation officer said she wrote 30 tickets already and it was only10am

skegpro · Jan 15, 2018

Panzerdog said:
My friend just got a ticket in fernie this weekend for not displaying his license plate $172 the conservation officer said she wrote 30 tickets already and it was only10am

Haha, not riding Fernie anytime soon then.

If the gave a sticker instead of a plate, sure . But there really isn't anywhere I wanna mount it.

The Kickass One · Jan 15, 2018

Tickets were handed out by CO’s in Lumberton as well on the weekend

Rbrduk · Jan 15, 2018

Last year met the co’s on mcbride. One in the group didn’t have regs. His was somewhere around 2 bills and a bit.

skegpro · Jan 15, 2018

The Kickass One said:
Tickets were handed out by CO’s in Lumberton as well on the weekend

Kunts, did they actually want it fixed to the machine? Or you just had to be able to produce it.

RC's or pretend cops?

The Kickass One · Jan 15, 2018

Fixed to machine and also need registration papers. CO was actually good. Some guys were told so long as sled was on truck no ticket. Soon as sled touches the ground a ticket would be issued. I had papers and plate not on machine and was basically asked to display the plate going forward.

skegpro · Jan 15, 2018

The Kickass One said:
Fixed to machine and also need registration papers. CO was actually good. Some guys were told so long as sled was on truck no ticket. Soon as sled touches the ground a ticket would be issued. I had papers and plate not on machine and was basically asked to display the plate going forward.

That's reasonable as far as cops go.
Zip tie it to the bumber to get out of parking lot I guess.

Where are you drilling holes in your machine now?

skid · Jan 15, 2018

In BC we have the option of a decal for a plate, this is what I chose.

moyiesledhead · Jan 15, 2018

Juicecan said:
You are correct. However, to my understanding the superseding legislation is the Off-Road Vehicle Act which was effected in 2015. Which sets out a bit of a different guideline. We use when snowmobiling Forest Service Roads as well as Crown Land and therein lies the differentiation. If you're sticking solely to FSR's you're likely safe - but I would read the new legislation to ensure you're fully compliant. Here is a link to the act: https://www.leg.bc.ca/pages/bclass-legacy.aspx#/content/legacy/web/40th2nd/3rd_read/gov13-3.htm

Yup, that's it. The link below is more current to Jan 9, 2018 but there really haven't been any changes. And I have read it, though apparantly you didn't follow your own advise. There isn't word one in there about insurance. Insurance is only covered in the Forest Service Road Use Regulation. Required on FSR for ATV/UTV, and Snowmobiles are specifically exempted. No insurance required for anyone riding anything on Crown land only. I've already won this argument with the CO's here.

ORV regulation: http://www.bclaws.ca/civix/document/id/lc/statreg/193_2015

FSR use regulation: http://www.bclaws.ca/civix/document/id/complete/statreg/70_2004

Mach1 · Jan 15, 2018

The Kickass One said:
Tickets were handed out by CO’s in Lumberton as well on the weekend

Fewwwwww not when I was there, lol

Mach1 · Jan 15, 2018

I carry just comprehensive only and it covers fire and theft, covers other guy but not yourself, 253 per yr. Damm collision is over 600 almost as much as truck and worth 8 times, oh and no registration either, but might get it one day

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