Stumpy
Active member
Re: Insurance for sleds or recreational toys
Hi my name is Brad "Stumpy" I'm A Insurance Brokerage Owner In Edmonton
Here is some quick answers to common questions ???
1) you need collision coverage on sleds ,quads etc if you want coverage for any collision if on a trailer or on the snow or trails .
2) comprehensive is insured perils like fire and theft , vandilism , windstorm etc 13 perils in all
3) PLPD is liabilty cover which is usually paired with AB (Accident benefits ) most brokers will add sef 44 which is family protection endorsement to complete plpd only
This is usually the mandatory coverage in most provinces ,also usually require registration of said toy as well
HERE IS SOME OTHER NEWS
It is very important to disclose to any insurance company or broker if sled ,quads or any recreational vehicle is modified altered or excessive accessories ie )tires chips turbo's etc due to values not being recovereable in claims even after policy in force as thats when most of us modify or add the accessories to our toys .
This is due to the fact some companies will decline any coverge at all in some claims as non-disclosed to them values and mods as they wouldnt insure the item anyway ,or settle the claim for way less then you would expect ,but if they dont know about it how can they help you.
Oh yeah the most important thing most Insurance people don't understand the SPORT We love and breathe, and the money will will spend on our toys !!!!
Also Insurance is Risk Management Think about this if recreational toys are under your Auto policy is your buddy or underage kids and or friends covered ,most likely not . If so they may never cover these items again and most likely loose discount on your AUTO policies .
The best answer is be honest and get the right coverage ,take it from me I have lost a leg on a sled ,and have had a few stolen , before I was a owner and an insurance broker and my claims were paid out with the modifications and values insured for .
I personally keep all my recreational toys off my auto policy on a seperate policy and my friends and underage kids will be covered without any problems ,but the catch is I pay a little more for that security,USUALLY THROUGH A FACILTY CARRIER .
Thanks for listening
Oh yeah hope I can meet some of you around Spruce Grove ,Stony Plain area as moved to that end of the world and need riding partners please respond tired of wife and kids just kidding !!!!!!!
P.S DARSON INSURANCE IS A SUPPORTING VENDOR ON THIS SITE PLEASE CALL ME IF ANY QUESTIONS AS I DO EVERYTHING & ADVICE IS FREE AND SO ARE QUOTES
HOME AUTO RECREATIONAL BUSINESS COMMERCIAL TRAVEL INSURANCE
780-452-7272 EMAIL bguignion@darsonins,com
LINK TO CONTACT Darson Insurance Services - Edmonton, AB - (780) 452-7272 - T5S 2H1 | Canpages
Hi my name is Brad "Stumpy" I'm A Insurance Brokerage Owner In Edmonton
Here is some quick answers to common questions ???
1) you need collision coverage on sleds ,quads etc if you want coverage for any collision if on a trailer or on the snow or trails .
2) comprehensive is insured perils like fire and theft , vandilism , windstorm etc 13 perils in all
3) PLPD is liabilty cover which is usually paired with AB (Accident benefits ) most brokers will add sef 44 which is family protection endorsement to complete plpd only
This is usually the mandatory coverage in most provinces ,also usually require registration of said toy as well
HERE IS SOME OTHER NEWS
It is very important to disclose to any insurance company or broker if sled ,quads or any recreational vehicle is modified altered or excessive accessories ie )tires chips turbo's etc due to values not being recovereable in claims even after policy in force as thats when most of us modify or add the accessories to our toys .
This is due to the fact some companies will decline any coverge at all in some claims as non-disclosed to them values and mods as they wouldnt insure the item anyway ,or settle the claim for way less then you would expect ,but if they dont know about it how can they help you.
Oh yeah the most important thing most Insurance people don't understand the SPORT We love and breathe, and the money will will spend on our toys !!!!
Also Insurance is Risk Management Think about this if recreational toys are under your Auto policy is your buddy or underage kids and or friends covered ,most likely not . If so they may never cover these items again and most likely loose discount on your AUTO policies .
The best answer is be honest and get the right coverage ,take it from me I have lost a leg on a sled ,and have had a few stolen , before I was a owner and an insurance broker and my claims were paid out with the modifications and values insured for .
I personally keep all my recreational toys off my auto policy on a seperate policy and my friends and underage kids will be covered without any problems ,but the catch is I pay a little more for that security,USUALLY THROUGH A FACILTY CARRIER .
Thanks for listening
Oh yeah hope I can meet some of you around Spruce Grove ,Stony Plain area as moved to that end of the world and need riding partners please respond tired of wife and kids just kidding !!!!!!!
P.S DARSON INSURANCE IS A SUPPORTING VENDOR ON THIS SITE PLEASE CALL ME IF ANY QUESTIONS AS I DO EVERYTHING & ADVICE IS FREE AND SO ARE QUOTES
HOME AUTO RECREATIONAL BUSINESS COMMERCIAL TRAVEL INSURANCE
780-452-7272 EMAIL bguignion@darsonins,com
LINK TO CONTACT Darson Insurance Services - Edmonton, AB - (780) 452-7272 - T5S 2H1 | Canpages
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