Iceman31

Up to this year I have always had comprehensive coverage on my sleds. Now that I have a trailer and haul them around I was told I had to get collision coverage as well in case of an accident. Collision coverage more than doubles my insurance costs. How do you guys insure your sleds? I now pay $423 a year for my Cat (Collision, Comprehensive & Liability of 1 Million) and $377 a year for my Yamaha (Collision, Comprehensive & Liability of 1 Million). I am going to insure my Polaris today with the same coverage. This is with a $500 deductible. What I will do is remove the collision coverage while they are in storage to save a few bucks. In SK we also have to plate our sleds if we wish to drive them on public roads etc. This costs approx $150 each per year. What do you guys do to insure your sleds if you do at all?

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2012 Arctic Cat XF800 Snopro Limited
2009 Polaris IQ600 Shift
2000 Yamaha SRX700

babzog

I'm gonna tell my broker today to just put the minimum on which is plpd.


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'97 Arctic Cat ZL 440
'02 Arctic Cat ZR 120 (kids)

smokingcrater

Most insurance companies bill sleds yearly, so it doesn't matter if you drop coverage, you have already paid for it. (I know state farm does this at least, most others do)

Other than that, I run liability only. My sleds are way past the age of me caring about full coverage.

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1) 2000 Arctic cat ZR 700, which now thinks it is a 2001 ZR 600 EFI APV w/136" ripsaw. (for sale!)
2) 1995 Yamaha VMAX 600, which now thinks it is a Polaris! (Polaris x10 suspension, Polaris P85 clutch) (for sale!)
3) 2004 Yamaha Warrior
4) 2006 Yamaha Nytro

steveg_nh

Same here...I have pretty high liability coverage on it, in case of an accident and someone getting hurt (including me by an uninsured other operator), but I didn't bother with comprehensive or collision. My policy through Liberty Mutual is $88/yr. How can you beat that? And it's also tied to a lager liability (umbrella) policy as well, for extra coverage.

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'04 Yamaha SX Viper ER 700

Phaze

Maybe to save a little money, drop your Yamaha to just liability given the year and value.... Providing there is a decent difference in the premium.... I would think there would be.... I'm paying $100 for liability on both sleds. Don't know if rates are higher in Canada.... Sled values seem to be........

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'05 Yamaha RX1 ER 1000
'93 Yamaha Phazer II LE 485
'96 Polaris Ultra SP 700 - SOLD!!

2012/2013 miles: 484 WooHoo!!
2011/2012 miles: 737
The sled is fixed... Now my wallet is broke..

rgoers

How can you beat that??? By not having any insurance...

Seriously, $88 seems low, but when you have several sleds to register *and* insure, that adds up to "I can no longer afford to ride" fast! It takes all the fun out of the sport...

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2004 Polaris Trail RMK 136
1997 Ski Doo Summit 500
2000 Arctic Cat ZL550 ESR (in NY)
2000 Arctic Cat 440 Panther (sold)
1980 Arctic Cat Jag 3000 F/C (in NY)

"If it ain't broke, take it apart and find out why!"

steveg_nh

I agree, it was a smoking deal. I already have a lot of policies with them, so there is a discount in there, but overall, it was pretty cheap. It jumped to like $239 if I added comprehensive and collision.

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'04 Yamaha SX Viper ER 700

babzog

Sheesh. My broker just emailed me to say PLPD is gonna cost me $146/yr!

My god we get ripped off up here.


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'97 Arctic Cat ZL 440
'02 Arctic Cat ZR 120 (kids)

JheLrey

My 2012 F8 is $33 a month for full coverage.

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Snow: The other white drug!

Iceman31

I pay my premium monthly. Full coverage would be approx $33.00 per month per sled for me as well.

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2012 Arctic Cat XF800 Snopro Limited
2009 Polaris IQ600 Shift
2000 Yamaha SRX700

babzog

That's $146/yr. Guy I bought it from said he paid $84/yr. Hate this market variation.


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'97 Arctic Cat ZL 440
'02 Arctic Cat ZR 120 (kids)

steveg_nh

What about trailers? I just added my 2 place snopro clamshell to my auto policy with a $100 deductible for comprehensive and collision for only $17/yr.

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'04 Yamaha SX Viper ER 700

tioga

i pay 123 a yr. for 6 sleds, just liability. but i think some shopping is in order.foremost ins. out of michigan