Insurance For Sled

[skegpro]

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

I had a good laugh when BC came out with the tax on used sleds all of a sudden everyone was an rocking red plates.

 

[Mach1]

I had a good laugh when BC came out with the tax on used sleds all of a sudden everyone was an rocking red plates.

Ya Krazy

 

[JustChilling19]

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

Juicebox works in insurance. I’ll post his address if anyone wants to get out their axe and pitchforks! Hahahah

 

[moyiesledhead]

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

Guy that asked the question is in Salmon Arm.

 

[ferniesnow]

I had a good laugh when BC came out with the tax on used sleds all of a sudden everyone was an rocking red plates.

You betcha. If they would have had the moxy to grandfather the taxes, they would have had a lot more compliance. Another thing would have been for ICBC to turn fees back into the world of sledding.

 

[Mach1]

Ok so if you hit a tree and a large top piece breaks off and smokes your sled, is that covered?

 

[Rbrduk]

Depends on your coverage

 

[Mach1]

Depends on your coverage

Comp all it says is falling tree, doesn't explain if only natural desaster high winds falling tree, lol
thieft is thieft
Fire is fire
hurricane, hail, flood, turnato, etc is exactly what it says but for tree it says falling tre.....so what kind of falling tree. Because I have seen a few hit trees lol

 

[Mach1]

Plus I did find out if in garage and garage burns down, home insurance will not cover.
So better have fire on sled...

 

[Mach1]

So this is what I mean, falling or flying object all others say falling tree

 

[Rbrduk]

If you hit a tree with your truck are you coveredShould be the same with your sled.

 

[Chronic Cat]

Here's a question for you fellas, the broth in law calls and asks me what to say and do about this. I was baffled. I told him he was in a tight spot. He borrowed his sled to his own brother, my other brother in
Law lol...His brothers borrowed it many times. He has his own, but his isn't turboed. So he's out boondocking in some pow, cutting donuts keeping on its side almost the entire time. The tracks probably doing a million lol, and it kinda hits a big patch of firm setup snow underneath and the sled launches out from underneath him. Sleigh hits a pile of trees doing a boat load of damage. Both brothers sleds are insured, for their values, but what does he say to an insurance agent because he wasn't riding it? Could the insurance from the other sled be used? I don't know much about fixing sleds, but I bet it's done for...

 

[skegpro]

Here's a question for you fellas, the broth in law calls and asks me what to say and do about this. I was baffled. I told him he was in a tight spot. He borrowed his sled to his own brother, my other brother in
Law lol...His brothers borrowed it many times. He has his own, but his isn't turboed. So he's out boondocking in some pow, cutting donuts keeping on its side almost the entire time. The tracks probably doing a million lol, and it kinda hits a big patch of firm setup snow underneath and the sled launches out from underneath him. Sleigh hits a pile of trees doing a boat load of damage. Both brothers sleds are insured, for their values, but what does he say to an insurance agent because he wasn't riding it? Could the insurance from the other sled be used? I don't know much about fixing sleds, but I bet it's done for...

Shoot, shovel and shut up.......

 

[Mach1]

Insurance don't know who was riding it, insurance I think is on sled not person.

 

[52weekbreak]

Here's a question for you fellas, the broth in law calls and asks me what to say and do about this. I was baffled. I told him he was in a tight spot. He borrowed his sled to his own brother, my other brother in
Law lol...His brothers borrowed it many times. He has his own, but his isn't turboed. So he's out boondocking in some pow, cutting donuts keeping on its side almost the entire time. The tracks probably doing a million lol, and it kinda hits a big patch of firm setup snow underneath and the sled launches out from underneath him. Sleigh hits a pile of trees doing a boat load of damage. Both brothers sleds are insured, for their values, but what does he say to an insurance agent because he wasn't riding it? Could the insurance from the other sled be used? I don't know much about fixing sleds, but I bet it's done for...

Just a collision claim (collision with a fixed object). Doesn't matter who the driver is so long as they "qualified to drive.". Assume the BIL was over 16 and had a driver's licence there should be no issue...unless he did not have collision.

I always get fire and theft and skip collision because that is expensive. I will roll the dice on a collision loss and work to avoid having one.

 

[Mach1]

Firstly, you lend your vehicle, you lend your insurance.

Secondly, a vehicle that’s modified for speed or performance must be declared to your insurance company.

ok so does that work on cars/trucks say I have truck in shop and borrow wife suv and I slide on ice and hit a post, is it my insurance to cover or hers. Second situation same thing happens but she carries collision and I don't, then what....

 

[JustChilling19]

ok so does that work on cars/trucks say I have truck in shop and borrow wife suv and I slide on ice and hit a post, is it my insurance to cover or hers. Second situation same thing happens but she carries collision and I don't, then what....

Insurance is is on the vehicle. Whatever coverage you have on said vehicle applies. Makes no difference who is operating it. Once again- you lend your vehicle, you lend your insurance.

 

[Mach1]

Insurance is is on the vehicle. Whatever coverage you have on said vehicle applies. Makes no difference who is operating it. Once again- you lend your vehicle, you lend your insurance.

Thanks great to know, if you got family you don't trust then you say no lol

 

[JustChilling19]

Thanks great to know, if you got family you don't trust then you say no lol

You said lend in your original question. Lending applies you gave someone permission to use your vehicle. Theft by a family member, employee, or individual residing in the same household is typically excluded under Comprehensive/Collision. You need something called All Perils to insure these perils. Gotta love the nuances hey!

At the end of the day a good broker goes a long ways to make sure you don’t get screwed. They should be able to review areas of concern or importance and provide the appropriate feedback so there aren’t any surprises when you make a claim.

Cheers,
Tyler

 

[Mach1]

You said lend in your original question. Lending applies you gave someone permission to use your vehicle. Theft by a family member, employee, or individual residing in the same household is typically excluded under Comprehensive/Collision. You need something called All Perils to insure these perils. Gotta love the nuances hey!

At the end of the day a good broker goes a long ways to make sure you don’t get screwed. They should be able to review areas of concern or importance and provide the appropriate feedback so there aren’t any surprises when you make a claim.

Cheers,
Tyler

i know that is why you need scenarios to understand some stuff, that's the problem I find or hear. Need insurance and make it confusing so if a claim is needed they go out of there way to not pay up, or not sure if covered or not. I know when insurance come do soon I will know a lot more about it, love to have all bells and whistles but really some stuff not worth it, thanks for all great info guys