$702???????????????????????????? Yikes

What I have heard some people do:

"Sell" machine to relative/trustworthy friend in AB.
Have that person register and insure the machine in AB (usually less than half the cost of the same in SK).
"Borrow" the machine from their relative or friend.
Ensure that the machine is "returned" to AB at least once every 90 days.

I have never done this, nor do I promote this practice. so :no_bashing:

It is merely what I have heard some people do and I present it here in the context of honest and open discussion into what some people do to reduce costs and avoid a fee while still riding a legally plated and insured machine.

In my opinion, while it is technically legal (if not on SSSA groomed trails under proposed changes), it is unethical. Proposed changes by the SSSA mean that a trail permit would need to be purchased to remain legal if such a machine were to be ridden on SSSA groomed trails (and if you are using these trails you should pay for them!) Similarly it is now technically legal to collect SSSA trail money from non SSSA trail riders, but it is not ethical. It is particularly unethical to withhold money collected from riders for the trails they ride which meet the funding criteria.

What coverage are you buying for that? You only need plates for four, maybe five months, if you're optimistic. What deductable are you looking at for your collision coverage and what liability extension is included?

Plates $171
Collision and Comprehensive $532 at a $350 deductible
$470 at a $700 deductible

Only reason I want insurance is because it was a $11,200 sled last year.
I have 955 miles on it now but would still like insurance wouldnt you? If i had an old beater yes i wouldnt insure it. I definitely am and want to get plates though

i think mine is 560 for insurance and when i plate it its about $100 for 6 months...You only need the plates while you drive it, not store it.

what do u have? my gade 600 is 171 for 6 months just plates.

I would insure it too. Also, your collision coverage will not be in force if you do not have current registration (plates). I would look closely at the higher deductable, that would probably be my choice. :div20:

I would also insure it. Your collision on a collision comprehesive package policy most certainly IS in force without current registration (plates) in most circumstances ie: transporting in a vehicle or trailer (it is not your trailer or truck insurance that covers the machine it is the machines package policy), in storage and something falls or moves into machine etc... In fact, the only time your collision on a collision comprehesive package policy is NOT in force when the machine (or car or whatever vehicle the policy is on) is without registration (plate) is when you are operating the vehicle. So for riding, you are correct your collision coverage is not in force, for sitting beside your trailer in the parking lot, yes it is covered.

so is what u r saying is that the $532 comprehensive/collision policy will only be valid if I plate my sled as well? So if i dont plate my sled ill have no coverage? Even if i have the $532 policy? So if im trailering my sled and the trailer wipes out and unhooks and hits ditch and is totalled along with sled Ill have no insurance on the sled unless I have the policy?

so is what u r saying is that the $532 comprehensive/collision policy will only be valid if I plate my sled as well? So if i dont plate my sled ill have no coverage? Even if i have the $532 policy? So if im trailering my sled and the trailer wipes out and unhooks and hits ditch and is totalled along with sled Ill have no insurance on the sled unless I have the policy?

No. The collision coverage deals with the sled in operation and the compreshensive deals with other perils, theft, fire, etc., and damage from transport. All of the providers that I know of maintain coverage in the off season with everything besides the collision coverage if the registration is not current. If you are not riding the sled you don't need collision coverage. Transporting and storing is not operating the sled, therefore collision coverage is not needed. The law says you cannot operate a snowmobile on public lands without being properly registered. No insurance company is going to cover you for doing something that is against the law, so if you crash a sled that is not properly licensed to operate, then too bad for you. If you want to covered for a collision while out riding then buy the plates.

i c. thanks

"The collision coverage deals with the sled in operation and the compreshensive deals with other perils, theft, fire, etc., and damage from transport."

This is not entirely correct as one of the examples you have listed as part of the comprehensive portion of coverage is actually included in the collision portion not the comprehensive portion.

Theft - comprehensive portion of package
Fire - comprehensive portion of package
Vandalism - comprehensive portion of package
Damage in transport - Collision portion of package
Damage in storage from another vehicle of item (tractor) contacting machine - Collision portion of package

All of this is covered without registration, registration is only required for when the vehicle is in operation (as you have said).

IE you can transport your machine (or collector car), on a trailer, with a package policy, and no registration, and it is still covered for collision under the package policy. You are transporting, but collision coverage is most certainly needed and in force under the package (as the transported vehicle is NOT covered by the transporting vehicle's or trailer's insurance as some people mistakenly believe). All of this collision coverage is without a plate. You are correct when you say if you want collision coverage to be in force while out riding buy a plate, but the moment that vehicle stops collision is back in force whether it has a plate or not. If it can be shown you rode the operated the vehicle to where it stopped you will be denied coverage.

We are agreeing to the final out come just not to the section under which the coverage is handled. :thumbs up:

Yeah Deep we do agree on the outcome. The way my insurance agent explained it to me, or the way I understood it, an unregistered vehicle in storage has no collision coverage. An unregistered vehicle being transported from one storage place to another will be covered for damage sustained if the transporting vehicle is involved in a collision, but it is not a collision claim for the unregistered vehicle, it is a damaged in storge/transportation claim. It may be just symantics, but at least the end results are the same. You also want to hope it is the other guy's fault and that he has insurance to cover your deductable. :div20:

oops i guess i paid about 100 bucks for my plates for about 4 months..

i bit the bullet. $532 left my pocket and i now have comprehensive and collision for another year with $350 deductible.....now ill wait till it snows and get plates for $171 for 6 months

i bit the bullet. $532 left my pocket and i now have comprehensive and collision for another year with $350 deductible.....now ill wait till it snows and get plates for $171 for 6 months

i paid 151 for plates. it was only about 117 but because my sled was worth over 3000$ i had to bay a tax of about 51$