Snowmobile insurance in BC

[moyiesledhead]

Ok here more question's.

The Act say's unloading in a public parking lot by a FSR with out insurance is unlawful.

No it doesn't. "On" a plowed FSR is illegal per forest service road use regulation. No form of insurance changes that. Off the FSR on crown land requires no insurance, plowed or not.

Is a staging area (parking) really considered a "public" parking lot?

Depends on the lot. Ours in Moyie is off the FSR and registered as a forest service rec site, so yes it's public. Some are actually on private land.

Is it not a parking area for club members and paying customer's, which we are. Is it not maintained and put in by the club via club money, not public money. Would a family go park their mini van in a staging area?

See above. A lot of things can determine this.

Is a FSR considered a FSR when it is under significant amount of snow that a wheeled vehicle driven by the general public can no longer use it.
Is a groomed trail from a staging area still considered a FSR when it is put in by a tracked vehicle for tracked vehicles.

Yes, still an FSR, but no longer "fit for travel" by other forms of motor vehicles.

Is a sledding designated area such as Boulder Mtn (REVY club)still considered crown on its trail's as the club owns the tenure during the winter months and does all the trail maintenance. Is that not more considered private for its members and paying customer's?

The club doesn't own a tenure. They have a management agreement with the province that allows them to collect a user fee for cost recovery of improvements to the FSR ie: grooming. The province is actually very specific about what that money can be used for. The club does not have exclusive access, and can not prohibit the public from travel.

I have a problem with any CO going on power trip's, i wore a uniform to at one time and there is a time where humility and good judgement is should take over.

Just asking

All good questions. See answers in red.

 

[LUCKY 7]

so just wondering about Capri insurance? Their quotes are less than the insurance company up town. Anyone have issues with them?

 

[moyiesledhead]

so just wondering about Capri insurance? Their quotes are less than the insurance company up town. Anyone have issues with them?

Always been good with me. Of course I've only ever bought liability, and never needed to use it. You get a discount as a BCSF member.

 

[tripster]

One thing with Capri is don't lets others ride your sled their offroad policy only covers immediate family residing at insured address. They may have changed in the last 5 years since I switched to Got Toys so I didn't have to put second coverage on my atv for my dad to use. I just put 1 mill liability on my 16 pro for $49 with my discounts for club member and over 50

 

[moyiesledhead]

One thing with Capri is don't lets others ride your sled their offroad policy only covers immediate family residing at insured address. They may have changed in the last 5 years since I switched to Got Toys so I didn't have to put second coverage on my atv for my dad to use. I just put 1 mill liability on my 16 pro for $49 with my discounts for club member and over 50

From Capri's website: Any licensed driver with consent from the owner.

 

[tripster]

Looks like they have changed I hadn't looked at them since I switched.

 

[LUCKY 7]

i just bought liability insurance 2 million for $63.00

 

[catinthehat]

i just bought liability insurance 2 million for $63.00

With who?

 

[LUCKY 7]

western financial

 

[moyiesledhead]

western financial

Awesome! My daughter in law is the manager at Western Financial in Fernie. I'll have to have a chat with her. That's a good rate.

 

[LUCKY 7]

its cheaper than Capri

Awesome! My daughter in law is the manager at Western Financial in Fernie. I'll have to have a chat with her. That's a good rate.

 

[Cableguy]

i use beacon which i guess has now been taken over cansure
9500 sled value
fire and theft only is 193
plus 60 for 1mil liability

 

[LBZ]

i use beacon which i guess has now been taken over cansure
9500 sled value
fire and theft only is 193
plus 60 for 1mil liability

That’s less than I’m paying for about the same Alberta coverage through wawanesa. Good to know as I’ll be switching to bc stuff here soon.