Insurance For Sled

[moyiesledhead]

You're correct. I made an error in my original post; the insurance is only required if you cross a highway not on crown land. However, ICBC looks like they're still putting it on their website that it is required on the FSR's, which is contrary to the Act. A nice way to confuse people for sure.

Yup. And if you read it further you're only allowed to cross a highway at a controlled intersection, which is mostly impossible with a sled 'cuz we're not allowed to ride on the plowed road that gets you to that controlled intersection. There are a few registered trail systems in the province with stop signs on the trail at their highway crossings where this does apply, but for the majority of people their wasting their money on that insurance. The highway crossing insurance doesn't cover you on an unplowed FSR either, so if you want that liability you have to buy it separately. Welcome to government insurance. ICBC is all about selling policy's whether you need them or not. I've educated more than one agent on the facts.

 

[Mach1]

Yup. And if you read it further you're only allowed to cross a highway at a controlled intersection, which is mostly impossible with a sled 'cuz we're not allowed to ride on the plowed road that gets you to that controlled intersection. There are a few registered trail systems in the province with stop signs on the trail at their highway crossings where this does apply, but for the majority of people their wasting their money on that insurance. The highway crossing insurance doesn't cover you on an unplowed FSR either, so if you want that liability you have to buy it separately. Welcome to government insurance. ICBC is all about selling policy's whether you need them or not. I've educated more than one agent on the facts.

so you are saying when sledding in the alpine it's not needed, please explain the truth on this subject.

 

[moyiesledhead]

so you are saying when sledding in the alpine it's not needed, please explain the truth on this subject.

Liability insurance is not legally required for sleds in BC anywhere but the Goldrush trail. Keep in mind however that sleds are not allowed on plowed roads. Registration did not make that legal.

That doesn't mean you "shouldn't" have it. That's your personal decision to make.

 

[DeNytroguy]

Thanks everyone!!

 

[Mach1]

Third party is waste of money, just saying

 

[DeNytroguy]

Fixed to machine and also need registration papers. CO was actually good. Some guys were told so long as sled was on truck no ticket. Soon as sled touches the ground a ticket would be issued. I had papers and plate not on machine and was basically asked to display the plate going forward.

Guess I'll have to see if I can get a sticker instead of plate. Not really a big fan of putting holes into my tunnel

 

[moyiesledhead]

Guess I'll have to see if I can get a sticker instead of plate. Not really a big fan of putting holes into my tunnel

You can. I think they charge $18 to trade in your plate for a decal. Keep in mind if you sell your sled you gotta scrape it off. It's not transferable to the next owner.

 

[meierjn]

You can. I think they charge $18 to trade in your plate for a decal. Keep in mind if you sell your sled you gotta scrape it off. It's not transferable to the next owner.

I don't think a sticker is an option in Alberta...

 

[Rbrduk]

No it is not.

 

[Beels]

I don't think a sticker is an option in Alberta...

Not in Saskatchewan, either.

I carry my plate in my under seat bag. I'm not shocked it isn't good enough for the fish cops in BC. I got checked twice in Montana a week ago and all they wanted to see was trail permits.

 

[skegpro]

You might find that it is for you. For me, with how our Alberta Insurance works if I were to cause damage to someone else's property or cause bodily injury to someone else with my machine I'd sure like to have the third party to look after them. For the small amount it costs its a pretty selfless spend.

Crazy not to have liability, have witnessed a few collisions now between sleds. Different group yelling at eachother threatening to sue eachother. Feel alot better having 2 million liability.

 

[Beels]

Crazy not to have liability, have witnessed a few collisions now between sleds. Different group yelling at eachother threatening to sue eachother. Feel alot better having 2 million liability.

This. I'll let my insurance company duke it out with whoever.

Small price to pay.

 

[JungleJim]

Anybody who can afford sledding, likely has some net worth and an income. Third Party liability insurance is something you hopefully never need but when you do... just imagine the scenario where you are coming down the trail from Boulder at 2 pm to get a good start on the drive home, when some guy on a rental collides head on with you, happens to be a young doctor with millions in career earning potential, and you had drifted a little wide on the corner coming down by accident. He's now permanently disabled and you are looking at a big fat liability lawsuit... you could find yourself with permanent payroll deductions for the rest of your life paying for the fact that you were too cheap to get 3rd Party liabiility for a couple of hundred dollars. Do yourself and your family a favour and get it!

 

[52weekbreak]

Care to give a bit of reasoning? If you ran into somebody and seriously injured them you would be OK for paying all that out of your own pocket?

Third party is waste of money, just saying

 

[skegpro]

Care to give a bit of reasoning? If you ran into somebody and seriously injured them you would be OK for paying all that out of your own pocket?

Even if you hurt your buddy and he can't work for the rest of his life, only hope he has is during you for a couple million.
Not a big deal if you are writing cheques like that on the regular.

Liability is cheap and probably the most important part of your insurance package.

 

[Mach1]

Care to give a bit of reasoning? If you ran into somebody and seriously injured them you would be OK for paying all that out of your own pocket?

I carry 2 million liability and comp, the way I read it online is third party is very limited and says to get comp. unless I'm reading it wrong as it seems like they make it so confusing that you really don't know what you really are covered for. Lol

 

[skegpro]

I carry 2 million liability and comp, the way I read it online is third party is very limited and says to get comp. unless I'm reading it wrong as it seems like they make it so confusing that you really don't know what you really are covered for. Lol

That's where a good broker is good insurance.

 

[52weekbreak]

I was referring to Mach1's post that it is a waste of money

 

[Mach1]

I was referring to Mach1's post that it is a waste of money

They explain it diff online third party/comp but I know I carry 2 mill

 

[Mach1]

You should consult your insurance broker in BC. However, my understanding of how it works in BC is: you have basic autoplan at $200,000 third party liability, and you can purchase extended or enhanced liability limits up to $5,000,000.

Comprehensive is separate and it is a physical damage coverage for your own property.

Third party liability protects you and your family from bodily injury from an uninsured or under-insured operator, and protects you from accidental damage or bodily injury you may cause while operating an vehicle.

Comprehensive coverage protects your property (snowmobile) in the event of most claims other than a collision (fire, theft, vandalism, falling trees, etc.).

Collision coverage protects your property (snowmobile) for items such as impact with land, object upon it, or another automobile.

Again, as Skegpro said nothing beats having a sit down with your broker and reviewing everything so you do not have any surprises when it really matters.

Damm good explanation, why can't insurance explain it that way, lol oh and my sled is Alberta insured