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Old 02-15-2012, 10:21 PM   #31 (permalink)
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Join Date: Oct 2010
Posts: 807
Current Sled(s): 2013 RR 800 white
Previous Sled(s): Few Cats, some Poo's and 1 Doo
Location: Perth County
Favorite Riding Area: Anywhere there's snow
13-14 Mileage: 2400
12-13 Mileage: 1500
10-11 Mileage: 600
Age: 36
Riding Since: 1980
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be careful with td. they may be cheap but are a bitch to get money out of if u have a claim, and will find any reason they can not to pay. i'm with state farm and pay 230 for a 04 f7, no collision. td was cheaper on my sled but wanted 5x as much for my gsxr 1000 a few years back, so i stayed where i was.
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Old 02-16-2012, 07:35 AM   #32 (permalink)
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Current Sled(s): 2012 Rengade BC-X 800 e-tec
Previous Sled(s): 84 safari 377,94 Formula Z 583,02 Mxz 700,04 Mxz 600SDI
Location: Sauble Beach,Ontario
12-13 Mileage: 3500
11-12 Mileage: 1400
10-11 Mileage: 4000
Age: 33
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Quote:
Originally Posted by skimask View Post
I would say this is a very good rate. Who are you insured with?

I am with Co-operators
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Old 02-16-2012, 08:29 AM   #33 (permalink)
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Damn it.... I knew I should have never read this thred. Ok lets do this... I never read or reply to this stuff but here goes

I am in the insurance business. I am not here to get slaged and I am not going to answer a bunch of questions but the fact of the it all is this.

19yr old male with an At fault accident and tickets trying to insure a performance sled is going to be expensive.

You can get coverage. If TD gave you a quote and want to change you more becasue of your father then ask them to exclude him. The form you require is called an OPCF 28a which will exclude your father as an operator of the vehicle. The insurance company can not charge for a driver if they are excluded and the can not deny the request for exclusion. But if he does drive the vehicle then it would not be insured.



I understand why many of you think insurance is a crock and that you want to pay as little as possible but be warned this is still a product that you really do get what you pay for. If it seems very cheap there is most likey are reason for it. I have 2 sleds a 2010 CF 800 Sp and a 600 snow hawk both cost me $350/yr no collison. I won't purchase anything else because I know better.

I have a hard time with any of the general public purchasing insurance through a call centre or over the internet. I just don't know how you can actualy know what your policy covers and what it doesn't. I am in the industy and hold the highest license possible. I read wordings and deal with claims every day and I still have issues when companies change the product. Insurance is complex and very individualized based on age, where you live, experience, driving record, and on and on and on.....
you can't compare your rate to the guy down the road. All vehicles are rated differently

Last edited by fammer91; 02-16-2012 at 08:31 AM.
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Old 02-16-2012, 10:26 AM   #34 (permalink)
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Try RBC they just recieved the J.D. power award for best insurance, you could also try Allstate.Although I like to stick with Insurance company's that are Canadian owned and operated
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Old 02-16-2012, 10:58 AM   #35 (permalink)
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Posts: 812
Current Sled(s): 09 GTX 600 E TEC
Previous Sled(s): 68 Moto Ski Zepher.72 Ski Roule RT.87 Ski Doo Formula MX
Location: London
Favorite Riding Area: Where ever there is snow
12-13 Mileage: 200
11-12 Mileage: 500
10-11 Mileage: 1000 mi
Age: 52
Riding Since: 11
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Quote:
Originally Posted by fammer91 View Post
Damn it.... I knew I should have never read this thred. Ok lets do this... I never read or reply to this stuff but here goes

I am in the insurance business. I am not here to get slaged and I am not going to answer a bunch of questions but the fact of the it all is this.

19yr old male with an At fault accident and tickets trying to insure a performance sled is going to be expensive.

You can get coverage. If TD gave you a quote and want to change you more becasue of your father then ask them to exclude him. The form you require is called an OPCF 28a which will exclude your father as an operator of the vehicle. The insurance company can not charge for a driver if they are excluded and the can not deny the request for exclusion. But if he does drive the vehicle then it would not be insured.





I understand why many of you think insurance is a crock and that you want to pay as little as possible but be warned this is still a product that you really do get what you pay for. If it seems very cheap there is most likey are reason for it. I have 2 sleds a 2010 CF 800 Sp and a 600 snow hawk both cost me $350/yr no collison. I won't purchase anything else because I know better.

I have a hard time with any of the general public purchasing insurance through a call centre or over the internet. I just don't know how you can actualy know what your policy covers and what it doesn't. I am in the industy and hold the highest license possible. I read wordings and deal with claims every day and I still have issues when companies change the product. Insurance is complex and very individualized based on age, where you live, experience, driving record, and on and on and on.....
you can't compare your rate to the guy down the road. All vehicles are rated differently
thanks for the info. I want to ask 1 question. Can this exclusion form that i have never been told by any broker...can you exclude your children?
thanks
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Old 02-16-2012, 06:19 PM   #36 (permalink)
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Current Sled(s): 09 GTX 600 E TEC
Previous Sled(s): 68 Moto Ski Zepher.72 Ski Roule RT.87 Ski Doo Formula MX
Location: London
Favorite Riding Area: Where ever there is snow
12-13 Mileage: 200
11-12 Mileage: 500
10-11 Mileage: 1000 mi
Age: 52
Riding Since: 11
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Quote:
Originally Posted by DaveVmax700 View Post
i dont know why you guys pay so much. i have full coverage and i pay 110 a year for my 700's
Wow you must own the company for that rate! It would cost at least 50.00 just for the broker to write up a policy (administration) on anything.
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Old 02-16-2012, 07:12 PM   #37 (permalink)
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Current Sled(s): 09 Polaris Dragon SP "144"
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Quote:
Originally Posted by DaveVmax700 View Post
i dont know why you guys pay so much. i have full coverage and i pay 110 a year for my 700's
Well in my case my sled is 7 to 8 years newer and 300cc bigger, phone your broker and get a quote for a 08 or newer with a 1000 motor you'll be in for a shock.
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Old 02-16-2012, 08:48 PM   #38 (permalink)
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Posts: 812
Current Sled(s): 09 GTX 600 E TEC
Previous Sled(s): 68 Moto Ski Zepher.72 Ski Roule RT.87 Ski Doo Formula MX
Location: London
Favorite Riding Area: Where ever there is snow
12-13 Mileage: 200
11-12 Mileage: 500
10-11 Mileage: 1000 mi
Age: 52
Riding Since: 11
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Quote:
Originally Posted by bigcatff7 View Post
Well in my case my sled is 7 to 8 years newer and 300cc bigger, phone your broker and get a quote for a 08 or newer with a 1000 motor you'll be in for a shock.
I would like to see his policy. It is hard to believe...must be a type O
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Old 02-16-2012, 11:13 PM   #39 (permalink)
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Current Sled(s): 08 Dragon 600 and 97 Ultra SPX
Location: The Crossroads VT
Favorite Riding Area: Anywhere there is snow
13-14 Mileage: 3325
12-13 Mileage: 3744
11-12 Mileage: 1735
10-11 Mileage: 2900
Age: 31
Riding Since: 1988
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Doesn't buying an Ontario trail pass cover you for liability? I thought that's why the passes were so expensive.
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Old 02-16-2012, 11:36 PM   #40 (permalink)
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Quote:
Originally Posted by GoneSnowmobilin' View Post
Doesn't buying an Ontario trail pass cover you for liability? I thought that's why the passes were so expensive.
You still need valid insurance to operate on the trail..
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