I may be way out of line here, but do you think the insurance companies stance against the big cc sleds will affect their sales down the road? Like Chubby said in his topic, he's got the sled home, but no insurance. In the past we bought a new sled, called the insurance company & told them when we were picking it up & that was it. Now we don't know if our insurance company will insure our new toy or what they will gouge us.

Chubby, would you have ordered the F7 & maybe gone for the F5 if you had known that insurance would have been a problem?

When I read about the demise of muscle cars in the 70s, increased insurance premiums is mentioned as 1 of the causes.

I know fuel economy concerns & added pollution controls didn't help either. Does anyone out there have any experience in this area?

i hope i never have to buy a smaller sled,i love my 800 and would get a 900 if i could,going to a 500 cc sled for me would be no fun as i ride lots of powder and many times 800cc is not enough,plus some people do buy more sled than they can handle...i never put collision on my sleds!!!only plpd ,fire, and theft,if i run into something then its my fault

i know there are a few around me already that wont touch anything over700 and only 500's if they have mods then the insure im with will only go to 700 heavy mod and stock 8's wont touch the mcats or zr9 you think they would make more money if they just took all sleds cuz people dont switch just teh sleds the move everything

Rumor has it that Bombardier is starting there own insurance company to solve this problem. Rumor also has it that Arctic Cat, Polaris, and yamaha will be a part of it.

From trail insurance to the sleds that ride them, rates and availability of insurance itself, is becoming more difficult and far more expense at an incredible rate. According to my agent, he feels we should expect rates to continue upward with more and more companies opting out of sled coverage. Unless these rediculous lawsuits can be curbed, theres no end in sight for rates.

No I would not have bought the sled if I had known it was over $560.00 to insure it, My 800MXZX was only $435.00 a year and thats even to steep for 3 months.

Chubby,
Based on the discussion I had with my broker last Friday, $560 may not be that far out of line(although I hope you find a better deal), not to say it doesn't suck. He has folks with a couple of claims against their house policy that he's having a hard getting insurance for at any price. He also spoke of sledders with poor driving records being bounced into "facility" for their insurance needs which equates to upwards of $1000/yr for coverage. Imagine with these prices how many will be riding sleds/driving cars with no insurance at all.
Isn't it wonderful insurance in Ontario is mandatory, like that doesn't give the ins. co's a leg up on us. :cussing:

Well I know it will hurt the industry as a whole, Less people willing to shell out the big $ for 3 months a year, means lower sled sales, lower touist dollars.......Ah with global warming Snowmobiling will be done in 10 years anyway..LOL

I'm thinking the insurance companies are looking for another excuse to rape the public when it comes to the real musclesleds... those that are 800s, or larger....

My experience would show that these are the same, or similar, to the guys that STILL own the muscle cars. Notice during the Woodward Dream Cruise
what the average color of hair was? I'd say, overwhelmingly, it was grey...

Hardly the high risk type.

I am also a liability only buyer, and the only reason for that is to prevent another type of legal rape.... defending myself from an overzealous lawyer.

AL

Originally posted by Machzzzz1@Oct 20 2002, 09:03 PM
Rumor has it that Bombardier is starting there own insurance company to solve this problem. Rumor also has it that Arctic Cat, Polaris, and yamaha will be a part of it.
As well they should band together and put aside competativeness to save the sport we love.

Insurance companies have been raping consumers for years. From back in the sixties with 'muscle' cars to the PWCs and Snowmobiles we own today. They put the premium on larger CC toys and claim they are more of a risk because of the tendency to drive faster, and with their conveniently skewed statistics, this shows to be true. We all know that is B.S.

I'd be leary of an insurance company created by and ran by the manufacturers. They only do things to make money, bottom line.

Hey michahicks - If you only saw gray-haired men driving muscle cars and the Woodward Cruise, you must have been in the geritol section :D :p :D

Wanted: Caucasian man driving yellow Corvette in his 30s for doing burnouts on Woodward ave. And for realted theft of 25 hamburgers.

MichYamaha - WOuld you know anything about this? Since when do you have grey hair!! LOL

Originally posted by 800MXZ@Oct 21 2002, 02:06 PM
Wanted: Caucasian man driving yellow Corvette in his 30s for doing burnouts on Woodward ave. And for realted theft of 25 hamburgers.

MichYamaha - WOuld you know anything about this? Since when do you have grey hair!! LOL
Hey - I resemble that statement :D

http://mywebpages.comcast.net/00gmc/images/stuff/burnout2.jpg

http://mywebpages.comcast.net/00gmc/images/stuff/burnout3.jpg

I know what your talking about. I called AAA before I got mine to make sure I could get it insured. He did a pre check for me and said no problem. I can't remember exactly what I pay, but I drop it to fire and theft for the summer. Makes a big difference. I know one thing, I tried calling around for better insurance and it seemed everyplace I called had great rates until they got to my sled. Then they all said the same thing. "That's a tuffy" ???

If something doesn't change, I definitely think it will affect sales of large cc sleds. What are you going to do. Ride a 500, or not ride at all.

Although I like Machzzzz's rumour. Makes sense to me.

Liability only for me also. Allstate never has given me a problem beacuse of all the different vehicles I have w/them. I have had an 800+cc sled every year since 1994. too say nothing of my (high risk) vehicles.1980 Corvette, 1968 Camaro, 1953 Chev. P/U, 1987 GMC 454 P/U, soon I think a 1964 Chevelle. Then the daily drivers, She has a Durango w/360 in it. I just sold my V10 ram & got a 300M. Old GM's & new Chryslers for me.

Wow.. some of you guys are paying some serious insurance money. My 02 ZL 600 EFI SS costs $106 per year for full coverage.

Screw insurance! I will take my chances. Call me stupid but never dumb! :D

My insurance (AAA in Michigan) is ~$200 /6 months with a $250 deductible (Full coverage). They told me there is in an increase after 750cc so a 700 sled should still be reasonable.

It's already made an impact. I've dropped collision on 2 of my sleds because of what I think is outragious premiums. The next time I buy, it will definitely influence my decision. Big cc's is great but not a necessity for me (if I can pocket some money). Ya, I've given in but I don't want to spend any more money than I already have in order to make a point.

Full coverage on my 900 is only a little over $300 a year through State Farm. After looking at what some of you are paying, I am very pleased with $300!! :nervous:



Last edited by phazerhater at Oct 21 2002, 01:21 PM

Yeah i have State Farm too and it around $300 not too bad but insurance companys are rotten @!%#! lol always going up in price. they want the $$ all the time but when ya want service they dick with ya and give ya the shaft but state farm isn't too bad soo far compared to others damn. haha

insurance company revenge !! :hallo5: hehehehe

Maybe the increased cost of insurance will reduce the number "borderline" sledders. The ones that are detrimental to our sport.

LOL there's an idea revrnd haha less non respectful snowmobilers that make are snowmobile laws so strict because of their dumbness ;)

Would be nice to figure out a way to stop some of these season end and high milage "staged" total losses. Those are the ones that are kicking everyones butt when it comes to premiums.

AL

:withstupid: that combined with stupidity is killin us.

Originally posted by bigdude@Oct 21 2002, 10:09 AM
Screw insurance! I will take my chances. Call me stupid but never dumb! :D
If you're ever in an accident say bye bye to anything you own or had hoped to own.

Originally posted by revrnd+Oct 28 2002, 03:35 PM--></span><table border='0' align='center' width='95%' cellpadding='3' cellspacing='1'><tr><td>QUOTE (revrnd @ Oct 28 2002, 03:35 PM)</td></tr><tr><td id='QUOTE'><!--QuoteBegin--bigdude@Oct 21 2002, 10:09 AM
Screw insurance! I will take my chances. Call me stupid but never dumb! :D
If you&#39;re ever in an accident say bye bye to anything you own or had hoped to own.[/b][/quote]
LOL haha thats about it to well put revrnd. thats the only reason i keep bloody insurance on my sled and theft too

LISTEN TO THIS BS.

734 dollars a year to insure my MachZ with full covrage.

BUT.

$997.00 to insure my 600ho REV.

Will be stuck on 380 fans if this keeps up.

We should find a way to speak our minds to these insurance companys.

yeah that bites it&#39;s just a legal way to rip people off

:cussing:
Insurance Revenge!!! :hallo5: who&#39;s with me? :devil:

Sounds like 700cc is the magic number... ??? only one thing to do...get 700cc triples! :D :thumbsup: Low insurance.....high horsepower! :D

Insurance was the reason I didn&#39;t buy a new 700 last winter. Now I may never buy a brand new sled because I&#39;ve already started designing my ground-up custom build.

RevIAm was telling me his dealer was saying the sales of 800s was slow. I wonder what amount the problem getting insurance for them played into this?

People are having a hard time getting ins. for 600 cc sleds & some of you out there figure &#39;doo should come out w/ a 900?

Ever notice how 75% of the used sleds at the dealerships are 800cc+ machines?? I don&#39;t think that people are moving up from an 800. I&#39;m sure it&#39;s the insurance thats killing these guys. Ever try to find a used 500 or 600? They&#39;re scarce.

Wow I must be lucky. Coming off a cougar 440 last year and going to a ZRT 800 I was wondering what my insurance was going to do. Previously my stepdad was paying a little over $300 a year for the ZRT and a week ago I got my bill $270 and I&#39;m only 17 for a 800 triple!!! I would hate to see the big bore sleds going the way of the dinasaur just because of insurance. Though the smaller cc sleds are getting more powerful as they advance but still can&#39;t compare with the big cc&#39;s. I dont think I could ride a sled under 600cc&#39;s after getting some time on the 800.

Originally posted by phat_cat800@Dec 9 2003, 04:15 PM
Wow I must be lucky... a week ago I got my bill $270 and I&#39;m only 17 for a 800 triple!!!
Is that full coverage? Do you have collision? What year is the sled? What value is it insured @?

I was paying 240 bucks CDN full coverage for a &#39;01 MXZ 600 & I&#39;m 42, a homeowner & 2 other motor vehicles insured w/ them.

No thats not full coverage, I think its only for public liability and fire and theift. My ZRT is a 99 and I couldn&#39;t tell you what it the value it is insured at :unsure: . The only other insurance I have with them is as a secondary driver on my parents car. My parents have insurance with this company on both of their vechicles.

Insurance is a rip off to begin with.

We pay over $600.00 per year on our house and in the 16 years we have been with our company only had one claim 2 years after we built this house. Our house was hit real bad by lightning and destroyed everything electrical including the furnace, ventilation, vac, stereo everything.

The company increased my rates for 5 years as a penalty for having a claim.

Back about 4 weeks ago we had a real serious wind storm come through and shredded the sofits under our front porch. It opened up a holes 20 ft long and almost 6 ft wide. What didn&#39;t blow away was pulled loose and cracked. The wind tore off the ventaltion intake and dryer exhaust. It was unbelievable.

I was advised under the table that if I put it through I may be SOL for insurance and my rates would go to poor risk becuase of 2 claims in under 5 years. So I&#39;ve spent the last 3 weeks restrapping and installing 5 square of sofits. My deductable was 500 so my loss is the total of the repair less the 500 I would of paid out anyways. My point is it pisses me off night after night while i&#39;m out there fixing something myself I pay dearly to insure.

Screwed both ways, insured or not!!

As much as I dislike paying insurance like the next person, when my house was broken into 2 years ago, I lost $15,000 in property. Am I sorry I was shelling out 300 @ year, no.

Phat cat, it would be interesting to see what your quote would be if you added collision to it.

I read that Bombardier is taking the lead to educate the insurance companies about snowmobiles. In my area in southern Ontario there are companies that use the criteria that they will not insure anything over a 750cc sled. - like thats a good cut-off - NOT. There are others that will insure 700&#39;s but not 800&#39;s as if theres much difference in top speed. We are at the same place the street bikes were at in the late 80&#39;s - early 90&#39;s (sky-high rates) and the manufacturers finally educated them a little and then premiums settled down.

RTC800HO.

Machzzzz: "Will be stuck on 380 fans if this keeps up."

2000 Formula S380- $106 USD a year full coverage @ $1200 value, BS I just paid sales tax on $2400 which is what the sled is valued at according to the state
Liability is $60 USD a year.

The guy I bought the 380 off of, bought a new rev 800 adrenaline. He is paying $1100 for ten months full coverage. :crazy:

You think sled insurance is alot, try medical insurance for the self employed. I just recently got renewal policy for health insurance (BCBS), try $2800 for 3 months. The way I look at it that when your young and don&#39;t necessary use it you get good rates as you get older they price it so that you can&#39;t afford it. They are hoping that you can&#39;t so you don&#39;t use it.

As for sleds, I have 3 sleds fully insured at $104 each per year. I don&#39;t have those big cc s like most. I ride 440&#39;s of course they are "X"s but the insurance company look at cc&#39;s not racers

To some insurance companies anything over a 18HP Olympique is high perf. For the most part the actuaries that figure out all this crap probably get their knowledge about snowmobiling from the 6 o&#39;clock news & all the claims they get.

I doubt nobody on SW works for an ins. company or admits to it.

Originally posted by Andy Dragon@Dec 9 2003, 08:49 PM
It all comes down to the main problem though - LACK OF PERSONAL RESPONSIBILITY. Insurance fraud and ridiculous lawsuits, it&#39;s all the same.
Andy I couldn&#39;t agree w/ you more.

After that inquest about the sledding fatality near Midland a couple of years back,(which you are probably quite aware of) the widow said that she had been contacted by a couple of lawyers :withstupid: . It was stated he was seen drinking @ a local establishment & I&#39;m no pathologist, but I imagine any alcohol in his bloodstream would be detectable during the autopsy.

As far as I&#39;m concerned, if alcohol is involved in your injury or death, you or your heirs should have no grounds to sue anyone, be it the manufacturer of your snowmobile or the guy that drove the groomer down the trail yesterday.

Originally posted by revrnd@Dec 9 2003, 09:05 PM
As far as I&#39;m concerned, if alcohol is involved in your injury or death, you or your heirs should have no grounds to sue anyone, be it the manufacturer of your snowmobile or the guy that drove the groomer down the trail yesterday.
:withstupid:

I think most would say that&#39;s a pretty cold sentiment to the families of the recently deceased, but I personally couldn&#39;t agree more. During the winter months, I ride that stretch of trail and pass over that stream probably 3 or 4 times a week where that incident occured a couple years ago. Every time I cross that bridge I can&#39;t help but think of that guy. Although I didn&#39;t know him, and don&#39;t know (or maybe don&#39;t remember) the details of the accident, I do seem to remember something about him being at the local (trailside) tavern (which shall remain nameless) before it occured.

The best way for us to reduce the cost of our insurance premiums is if we all smarten up and act responsibly. There are way too many deaths every year, and countless injuries due to, for the most part, careless behaviour. We don&#39;t tolerate drinking and driving - why do some think it&#39;s OK to drink and ride?

Ride safe and ride sober.