Insurance

Nonhighwayservice

Active VIP Member
Joined
Dec 16, 2012
Messages
347
Reaction score
423
Location
Delta B.C.
How many of you have insurance on your sled? If you do what's covered? I get things like fire and theft, but what if the thing sails off a cliff into the abyss never to be seen again, is that covered?
 

Brojoe

Active member
Joined
Dec 20, 2009
Messages
147
Reaction score
104
Location
Saskatoon
I carry full insurance on my sled. Everything from theft,fire, and collision.
 

LinkTank

Active VIP Member
Joined
Nov 18, 2008
Messages
219
Reaction score
328
Location
Sherwood Park
Full coverage. Includes chopper out. If it sinks in lake, anything. I put a limited waiver of depreciation on it. So I get bill of sale value for 30 months. Doesn't cost all that much more. Works perfect cause I usually buy a new one every 2 years.


Sent from my iPhone using Tapatalk
 

CRASH1000

Active member
Joined
Feb 23, 2009
Messages
51
Reaction score
54
Location
CALGARY
Well i thought i had full coverage with fire,theft and collision but all this chopper and hurt talk is starting to make me wonder. It is not cheap $798 a year. One company wanted $1700.
 

neilsleder

Active VIP Member
Joined
Oct 18, 2009
Messages
9,618
Reaction score
17,005
Location
Leduc Alberta
I get full coverage! You never know what's going to happen. And thank god I got it cause my sled burnt to the ground the other weekend!
 

maxwell

Active VIP Member
Joined
Apr 25, 2007
Messages
20,072
Reaction score
43,148
Location
Sherwood Park, Alberta, Canada
I get full coverage! You never know what's going to happen. And thank god I got it cause my sled burnt to the ground the other weekend!

Ya exactly. Seing what some folks on here can do by hitting a small rock makes a guy lean towards full coverage. Doesn't take much todo 5000-8000 damage on a new sled
 

schwindt

Active member
Joined
Nov 14, 2011
Messages
84
Reaction score
107
Location
Fruitvale, BC & Sask
The sef 44 coverage is placed to cover damage done to you by uninsured motorists, or under insured motorists if they cause damage to you or your property, so as far as injury hitting rocks or trees that will not cover you. You want accident benefits on the policy which covers your own injury this can be placed on policy with or without collision \ fire and theft coverage
 

Clares240

Active member
Joined
Apr 4, 2012
Messages
37
Reaction score
12
Location
Claresholm Alberta
I carry policies that include fire and theft, not that I really care too but it was cheap enough, ( I don't own 15000 dollar sleds). I just thought it would be interesting to have an insurance company involved if they were to go missing. I mostly insure for liability reasons, as well as, judiciary reasons. If I have insurance and registration, law enforcement has alot less avenues to harass me, it seems to me that law enforcement has been really stepping up their programs of off-road enforcement in the past couple of decades. I seem to find cops in the strangest places, with a plate on the machine and a valid sticker, I can just wave and smile. But aside from the waving and smiling thing, what really scares me is the possibilty of an accident, and subsequent law suit. If I hurt myself, so be it, if someone else were to get hurt well I can't imagine what that would be like for me or them if there was no policy that could possibly be called upon for some sort of restitution.
 

mphfreak

Active VIP Member
Joined
Jan 14, 2008
Messages
249
Reaction score
359
Location
LLB / Mcbride
Hopefully everyone at least has PLPD. Nothing sucks more if the person who causes an accident has no insurance. I know for a fact there is alot of people out there that do not have ANY insurance.
 
Top Bottom