Insurance

SAB1 · 02-11-2013, 02:04 PM

Researching the cost of insurance its pretty astounding how much it costs for young riders. My sons cheapest quote is $789 and thats for an '04 600cc ski doo. I cant imagine many of these riders are insured. Anybody got any other companys to check. This quote was from Foremost. Progressive was over $1,100.

ishoot308 · 02-11-2013, 02:47 PM

Quote:

Originally Posted by SAB1

Researching the cost of insurance its pretty astounding how much it costs for young riders. My sons cheapest quote is $789 and thats for an '04 600cc ski doo. I cant imagine many of these riders are insured. Anybody got any other companys to check. This quote was from Foremost. Progressive was over $1,100.

Check your local Allstate. I go through Lee Belanger Allstate and pay around $200.00 for year round full coverage for two newer sleds, that price is for both not each. No one could touch them. Here is his number... (603) 622-3030

Dan

VitaBene · 02-11-2013, 03:12 PM

I have never been asked who the operators are. I second Dan, call around.

SAB1 · 02-11-2013, 03:29 PM

I will give him a call. Are your sleds registered in your name? Mine is in my name and my sons is in his name. I could registered his sled and put him on my policy and listed him as a driver but that would rocketed my premium. From what I was told all drivers have be listed for coverage to be applied. If they arent and unscheduled driver wrecks I am up a creek.

ishoot308 · 02-11-2013, 03:45 PM

Quote:

Originally Posted by SAB1

I will give him a call. Are your sleds registered in your name? Mine is in my name and my sons is in his name. I could registered his sled and put him on my policy and listed him as a driver but that would rocketed my premium. From what I was told all drivers have be listed for coverage to be applied. If they arent and unscheduled driver wrecks I am up a creek.

Yes my sleds are both registered in my name. My friend however has a son who is 18 yrs old and has his own insurance through Lee for basically the same money as his father... I would call Lee and see what he says, he is a great guy!

Good Luck!

Dan

secondcurve · 02-11-2013, 08:00 PM

Quote:

Originally Posted by SAB1

Researching the cost of insurance its pretty astounding how much it costs for young riders. My sons cheapest quote is $789 and thats for an '04 600cc ski doo. I cant imagine many of these riders are insured. Anybody got any other companys to check. This quote was from Foremost. Progressive was over $1,100.

I don't have my sleds registered this year but last year's premium for a pair of 2002 sleds was $247.00 through Progressive (an Amica company so it is direct, no agent). Phone number is 1-800-876-5581.

Your son's premium could be driven up by coverage on the actual sled (theft, damage, etc.). For a 2004 sled I'd just worry about liability insurance. Finally, I had Foremost prior to going with Progressive and I recall my premiums were also outrageous but I can't find any old bills.

Good Luck

Merrymeeting · 02-11-2013, 08:29 PM

Quote:

Originally Posted by secondcurve

Progressive (an Amica company so it is direct, no agent).

As far as I know, Amica and Progressive are completely different, independent companies. Do you have information to show otherwise?

secondcurve · 02-11-2013, 08:32 PM

Quote:

Originally Posted by Merrymeeting

As far as I know, Amica and Progressive are completely different, independent companies. Do you have information to show otherwise?

I've got bills with both of their names written all over them. It says Amica and Progressive appreciate your business.....Maybe it is a joint venture?

Merrymeeting · 02-11-2013, 09:26 PM

Quote:

Originally Posted by secondcurve

I've got bills with both of their names written all over them. It says Amica and Progressive appreciate your business.....Maybe it is a joint venture?

Thanks for the clarification.

I've had Amica for most of my insurance needs for many years. But when we called them after getting our PWC, they said they don't insure PWC's. But they did refer us to another company who would cover us, and arranged for the policy.

I'm guessing they do a similar thing for their customers who want sled insurance.

Belmont Resident · 02-12-2013, 06:37 AM

Quote:

Originally Posted by Merrymeeting

Thanks for the clarification.

I've had Amica for most of my insurance needs for many years. But when we called them after getting our PWC, they said they don't insure PWC's. But they did refer us to another company who would cover us, and arranged for the policy.

I'm guessing they do a similar thing for their customers who want sled insurance.

I had the absolute best luck with Amica until I registered sleds with them years ago.
The problem started when I sold my sleds, both of them and snow checked a new sled for fall pick-up. I called to cancel the policy but was told I could not. I explained to them the I no longer had the sleds, they were sold and I could prove it. Didn't matter they told me, the policy was written through them by another company. So I'm sitting here with all of my insurance through them, renters, car, boat and snowmobile. I asked them what happens if I do not pay the snowmobile policy? I was told it would be attached to one of the others. I ended up canceling every policy I had and moved to another company. It was the only way to get out of paying the $400 that I owed for nothing. The policy period had literally just started for the sleds. I hated doing it because they were the best company when it came to dealing with for an accident.
Since then my wife shops insurance companies rates about every 2 years, unfortunately Amica is usually a lot higher then the others she looks into that are highly rated as well.
What many people do not realize is that the longer you stay with an insurance company the higher your rates stay, if you shop around and compare rates, in most cases you can save hundreds a year. I'm not talking crappy companies like Progressive and Geiko either.

ishoot308 · 02-12-2013, 09:03 AM

Quote:

Originally Posted by VitaBene

I have never been asked who the operators are. I second Dan, call around.

You know I haven't either. I believe the sled is insured no matter who is driving it. Your paying to insure the sled not the person...

codeman671 · 02-12-2013, 09:40 AM

I have never priced it as I dont have a sled anymore (used Allstate when I did), but you could try Chris Valley with Liberty Mutual in Dover. I would have tried him myself, but its been a while since I have owned one.

Last time I knew he was the insurer for the NH Snowmobile Association as a whole, and did a lot of promoting during NHSA events. He was pretty well tied into the snowmobile community, although he is not a snowmobiler himself.

Great guy.

Irrigation Guy · 02-12-2013, 11:27 AM

Quote:

Originally Posted by codeman671

Last time I knew he was the insurer for the NH Snowmobile Association as a whole, and did a lot of promoting during NHSA events. He was pretty well tied into the snowmobile community, although he is not a snowmobiler himself.

Great guy.

Just a clarification - Chris @ Liberty Mutual does not insure the NHSA. The NHSA and its 98% of its member clubs have insurance through another company and it's my understanding never have insured the NHSA(at least the last ten years and very likely never)

codeman671 · 02-12-2013, 02:57 PM

Quote:

Originally Posted by LocalRealtor

Just a clarification - Chris @ Liberty Mutual does not insure the NHSA. The NHSA and its 98% of its member clubs have insurance through another company and it's my understanding never have insured the NHSA(at least the last ten years and very likely never)

It was my understanding based on a past conversation, I certainly could be wrong or misunderstood him. I have not been involved with a club (I was a local club president many years ago, for 7 years) for a long time.

I did find his name on the NHSA website as an insurer, the only one listed in fact in the few counties I looked at:

http://www.nhsa.com/visit_sullivan.shtml

His name came up in a lot of links related to snowmobile insurance in NH. I have no business affiliation, just helping out members here.

BroadHopper · 02-12-2013, 03:34 PM

$800 for snowmachines! WOW! I paid about $90 a year for a 583 MXZ. I called Harford and they cover everything!

If you have youngsters under your roof, it pays to have an 'umbrella insurance'. The Hartford underwriters told me when I buy an umbrella insurance the liability portion of insurance for youthful drivers will go down and usually save money. They are right.

Irrigation Guy · 02-12-2013, 03:45 PM

Quote:

Originally Posted by codeman671

It was my understanding based on a past conversation, I certainly could be wrong or misunderstood him. I have not been involved with a club (I was a local club president many years ago, for 7 years) for a long time.

I did find his name on the NHSA website as an insurer, the only one listed in fact in the few counties I looked at:

http://www.nhsa.com/visit_sullivan.shtml

His name came up in a lot of links related to snowmobile insurance in NH. I have no business affiliation, just helping out members here.

That link is a paid advertisement. Having spent many an evening in Tilton at NHSA meetings and being the treasurer and insurance contact for our club, I can say 100% they are not the insurer of the NHSA or it's member clubs. The NHSA'a policy is only offered by a very limited number of insurers.

For sled insurance, I have always found Allstate to be the most competitive. Kurt Wickes in Concord also has ads in the NHSA newspaper and has written my snowmobile policies for the last half dozen years or so.

Last year I had a 2005 skidoo mxzx800 fully insured for $138 or so...

secondcurve · 02-12-2013, 11:18 PM

Quote:

Originally Posted by ishoot308

You know I haven't either. I believe the sled is insured no matter who is driving it. Your paying to insure the sled not the person...

I'm pretty sure this logic is incorrect. The insurers want to know who will operate the sled and what their driving records look like. Who do you think is a greater risk on a snowmobile a 45 year old married guy or a single 18 year old kid? My policy questionnaires always asked for the driver licenses of operators and their marital status. You should check with your agent. I could be incorrect but I am fairly certain I'm not. Good luck.

Belmont Resident · 02-13-2013, 04:22 AM

Quote:

Originally Posted by secondcurve

I'm pretty sure this logic is incorrect. The insurers want to know who will operate the sled and what their driving records look like. Who do you think is a greater risk on a snowmobile a 45 year old married guy or a single 18 year old kid? My policy questionnaires always asked for the driver licenses of operators and their marital status. You should check with your agent. I could be incorrect but I am fairly certain I'm not. Good luck.

In my dealings with insurance companies, many make their own rules and few of us question them. I do know they sometimes ask this question and have been for years with respect to cars, so why not sleds.
I even had one, Travelers,while I was with Melcher & Prescott, try to alter my rates midway through the policy period saying a mistake was made in the description of the work.
In the end a call to BBB put a stop to this and I dropped M&P for a much better company and lowered my rates in the process.

Irrigation Guy · 02-13-2013, 08:15 AM

Quote:

Originally Posted by secondcurve

I'm pretty sure this logic is incorrect. The insurers want to know who will operate the sled and what their driving records look like. Who do you think is a greater risk on a snowmobile a 45 year old married guy or a single 18 year old kid? My policy questionnaires always asked for the driver licenses of operators and their marital status. You should check with your agent. I could be incorrect but I am fairly certain I'm not. Good luck.

Had this conversation with my agent. They didn't care who was operating the machine. I did specifically ask. The only insurance I have with Allstate is my sled. Maybe your agent asked because of auto issues or maybe they just do things differently.

ishoot308 · 02-13-2013, 08:53 AM

Quote:

Originally Posted by LocalRealtor

Had this conversation with my agent. They didn't care who was operating the machine. I did specifically ask. The only insurance I have with Allstate is my sled. Maybe your agent asked because of auto issues or maybe they just do things differently.

Yup, just confirmed that as long as the person driving has my permission it's covered. This also holds true for automobile insurance. So if your neighbor wants to borrow your pickup to move a couch, as long as he has your permission and a license your covered. Insurance covers the vehicle not the person. I'm sure their are some backyard policies that do not follow this protocol so it's always best to check with your agent...

Here ya go... http://www.allstate.com/insurance-ma...red:result%204

Dan

HellRaZoR004 · 02-13-2013, 08:57 AM

Quote:

Originally Posted by ishoot308

Yup, just confirmed that as long as the person driving has my permission it's covered. This also holds true for automobile insurance. So if your neighbor wants to borrow your pickup to move a couch, as long as he has your permission and a license your covered. Insurance covers the vehicle not the person. I'm sure their are some backyard policies that do not follow this protocol so it's always best to check with your agent...

Dan

That's an interesting statement, so what happens if you rent a car and get in an accident? I think it depends on the policy...

ishoot308 · 02-13-2013, 09:02 AM

Quote:

Originally Posted by HellRaZoR004

That's an interesting statement, so what happens if you rent a car and get in an accident? I think it depends on the policy...

Car rental companies have their own set of rules all of which is noted in the rental contract in that really really really fine print! I have car rental insurance on my policy which covers me when renting therefore I never pay extra for the insurance the rental company offers.

Dan

SAB1 · 02-13-2013, 09:53 AM

ishoot308 I am talking with you contact at 11am. He has come up with some good rates with the exception of the seadoo we have. I will report back. I will ask about the drivers of the sled also. I know the Seadoo policy I currently have the drivers are scheduled and it can not be driven by a non scheduled driver.

HellRaZoR004 · 02-13-2013, 10:01 AM

Quote:

Originally Posted by ishoot308

Car rental companies have their own set of rules all of which is noted in the rental contract in that really really really fine print! I have car rental insurance on my policy which covers me when renting therefore I never pay extra for the insurance the rental company offers.

Dan

Just out of curiosity I checked mine as well - not only does my insurance cover rentals, it covers any 'non-owned vehicle' I drive. Best bet is to read your coverage documents.

BroadHopper · 02-13-2013, 11:37 AM

My Visa Platinum card provide coverage for rental insurance, trip insurance etc. I always use this card for trip expenses.

I call my auto insurance company before renting a car. They will tell me what is covered. Between the auto insurance and Visa I have pretty good coverage. I was told American Express have similar coverage.

chipj29 · 02-13-2013, 12:34 PM

Quote:

Originally Posted by HellRaZoR004

That's an interesting statement, so what happens if you rent a car and get in an accident? I think it depends on the policy...

You have "implied insurance" on you and whatever vehicle (not sled) you are driving as long as your car is covered.

99% of the time your personal auto policy covers you if you wreck a rental or someone elses car that you are driving. You should almost always decline the insurance the rental companies want you to pay.

secondcurve · 02-13-2013, 06:32 PM

Interesting comments. The lessons learned are read the fine print and shop around for snowmobile insurance.

SAB1 · 02-14-2013, 09:34 AM

I did well thanks to ishoot308. I now have two sleds insured with Allstate for atotal of $331. My one sled with Progressive was $293. Coverages were identical. Thanks for the help here. I also was able to insure my boat with Allstate for $15 more than I currently was paying but the coverages blew away my prior policy.

02-11-2013, 02:04 PM	#1
SAB1 Senior Member Join Date: Feb 2012 Location: Tuftonboro Posts: 1,230 Thanks: 190 Thanked 320 Times in 235 Posts	Insurance Researching the cost of insurance its pretty astounding how much it costs for young riders. My sons cheapest quote is $789 and thats for an '04 600cc ski doo. I cant imagine many of these riders are insured. Anybody got any other companys to check. This quote was from Foremost. Progressive was over $1,100.

02-12-2013, 03:34 PM	#15
BroadHopper Senior Member Join Date: Oct 2004 Location: Laconia NH Posts: 5,572 Thanks: 3,209 Thanked 1,101 Times in 793 Posts	Hartford $800 for snowmachines! WOW! I paid about $90 a year for a 583 MXZ. I called Harford and they cover everything! If you have youngsters under your roof, it pays to have an 'umbrella insurance'. The Hartford underwriters told me when I buy an umbrella insurance the liability portion of insurance for youthful drivers will go down and usually save money. They are right. __________________ Someday may never be an actual day.

02-13-2013, 11:37 AM	#25
BroadHopper Senior Member Join Date: Oct 2004 Location: Laconia NH Posts: 5,572 Thanks: 3,209 Thanked 1,101 Times in 793 Posts	Rental Insurance My Visa Platinum card provide coverage for rental insurance, trip insurance etc. I always use this card for trip expenses. I call my auto insurance company before renting a car. They will tell me what is covered. Between the auto insurance and Visa I have pretty good coverage. I was told American Express have similar coverage. __________________ Someday may never be an actual day.

02-13-2013, 06:32 PM	#27
secondcurve Senior Member Join Date: Jan 2005 Posts: 2,117 Thanks: 1,325 Thanked 559 Times in 288 Posts	Insurance Interesting comments. The lessons learned are read the fine print and shop around for snowmobile insurance.

The Following 2 Users Say Thank You to ishoot308 For This Useful Post:
HellRaZoR004 (02-11-2013), WINNOCTURN (02-11-2013)

02-11-2013, 03:12 PM	#3
VitaBene Senior Member Join Date: Jul 2007 Location: Moultonborough Posts: 3,585 Thanks: 1,618 Thanked 1,638 Times in 842 Posts	I have never been asked who the operators are. I second Dan, call around.

02-11-2013, 03:29 PM	#4
SAB1 Senior Member Join Date: Feb 2012 Location: Tuftonboro Posts: 1,230 Thanks: 190 Thanked 320 Times in 235 Posts	I will give him a call. Are your sleds registered in your name? Mine is in my name and my sons is in his name. I could registered his sled and put him on my policy and listed him as a driver but that would rocketed my premium. From what I was told all drivers have be listed for coverage to be applied. If they arent and unscheduled driver wrecks I am up a creek.

The Following User Says Thank You to ishoot308 For This Useful Post:
SAB1 (02-11-2013)

02-12-2013, 09:40 AM	#12
codeman671 Senior Member Join Date: Jan 2005 Posts: 3,492 Thanks: 221 Thanked 810 Times in 486 Posts	I have never priced it as I dont have a sled anymore (used Allstate when I did), but you could try Chris Valley with Liberty Mutual in Dover. I would have tried him myself, but its been a while since I have owned one. Last time I knew he was the insurer for the NH Snowmobile Association as a whole, and did a lot of promoting during NHSA events. He was pretty well tied into the snowmobile community, although he is not a snowmobiler himself. Great guy.

The Following User Says Thank You to Irrigation Guy For This Useful Post:
codeman671 (02-12-2013)

02-13-2013, 09:53 AM	#23
SAB1 Senior Member Join Date: Feb 2012 Location: Tuftonboro Posts: 1,230 Thanks: 190 Thanked 320 Times in 235 Posts	ishoot308 I am talking with you contact at 11am. He has come up with some good rates with the exception of the seadoo we have. I will report back. I will ask about the drivers of the sled also. I know the Seadoo policy I currently have the drivers are scheduled and it can not be driven by a non scheduled driver.

The Following User Says Thank You to SAB1 For This Useful Post:
ishoot308 (02-13-2013)

02-14-2013, 09:34 AM	#28
SAB1 Senior Member Join Date: Feb 2012 Location: Tuftonboro Posts: 1,230 Thanks: 190 Thanked 320 Times in 235 Posts	I did well thanks to ishoot308. I now have two sleds insured with Allstate for atotal of $331. My one sled with Progressive was $293. Coverages were identical. Thanks for the help here. I also was able to insure my boat with Allstate for $15 more than I currently was paying but the coverages blew away my prior policy.