ATV Insurance Prices

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Originally Posted by delmer

My insurance agent explained to me that if my atv is in the box of my truck and I have an accident, my truck insurance would pay out because it would be considered part of my contents. If pulling a trailer with my atv in it, and I was in an accident, my atv would not be covered for damages unless it had its own collision coverage. My truck insurance is not applicable, as the trailer is a separate vehicle needing its own insurance. Not sure if this is the case with all companies or is just specific to some.

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My insurance company told me the same. You need collision on the atv to cover it while on the trailer.

Thats weird because if you tow a camping trailer you do not need additional insurance.

Same if I tow a car on a dolly I don't need separate insurance

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Originally Posted by LowbanksArcher

My insurance company told me the same. You need collision on the atv to cover it while on the trailer.

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Originally Posted by greatwhite

Thats weird because if you tow a camping trailer you do not need additional insurance.

Same if I tow a car on a dolly I don't need separate insurance

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There is always the very real possibility that they're just screwing me. Not that an insurance company would ever do that.

Well this thread has spurred me into action to do some shopping around for all my insurance needs. Then I will be taking the estimates to the fella I deal with at the Co-op. I don't want to be paying 300 / year to insure my ATV.

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Originally Posted by LowbanksArcher

There is always the very real possibility that they're just screwing me. Not that an insurance company would ever do that.

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That makes 2 of us.....

I'd think about dropping the collision if I had a big property and was only going to drive the machine at home. You're taking a big risk trailering anything without collision, and now it doesn't matter who causes the accident, with this no fault deal. It always amazes me when I talk to snowmobilers who aren't carrying a separate collision policy eg. $4500 covered trailer with two $15,000 machines in it. Can you imagine the colour of the dude's face when someone smacks you on the road, and you find out you swallowed a $45K pill. Same deal with boaters. Guys pulling $70,000 bass boats and they think they're covered under the tow vehicle policy. I carry it on anything that goes on the road - horse trailer, box trailer, skidoo trailer, boat trailer. It sucks paying the heavy premium, but sure as crap, the day I drop the coverage will be the day someone smokes me on the road. You folks all need to ask your broker specific questions about trailering, and get it in writing.

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Originally Posted by greatwhite

Any one just paying for Liability?/ I don't care about fire or theft. I just want the bare minimum.

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on my old quad runner 250 i paid only $125 for liabilty only through "the personal" they insure quads with no other vehicles on the policy... i only have my quad with them, as they were a 1/3 the price of my regular insurance company, but they were a little more for my vehicles and house so only gave them the quads...

Checked this with Co-op today and no I would be covered.

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Originally Posted by Fenelon

I'd think about dropping the collision if I had a big property and was only going to drive the machine at home. You're taking a big risk trailering anything without collision, and now it doesn't matter who causes the accident, with this no fault deal. It always amazes me when I talk to snowmobilers who aren't carrying a separate collision policy eg. $4500 covered trailer with two $15,000 machines in it. Can you imagine the colour of the dude's face when someone smacks you on the road, and you find out you swallowed a $45K pill. Same deal with boaters. Guys pulling $70,000 bass boats and they think they're covered under the tow vehicle policy. I carry it on anything that goes on the road - horse trailer, box trailer, skidoo trailer, boat trailer. It sucks paying the heavy premium, but sure as crap, the day I drop the coverage will be the day someone smokes me on the road. You folks all need to ask your broker specific questions about trailering, and get it in writing.

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my insurance broker told me (in regards to towing my boat) that if it was attached to the truck it was covered under my truck policy... but i dont have that in writing so guess its up to them... either way thats why it has fire and theft on it ;) LOL

On my property it is covered under my home policy. In the bush let's just say it will be covered by me if I find them. Mind ya I didn't find the fellas who stole my smokes NB that would have been nasty. ;)

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Originally Posted by fishy steve

my insurance broker told me (in regards to towing my boat) that if it was attached to the truck it was covered under my truck policy... but i dont have that in writing so guess its up to them... either way thats why it has fire and theft on it ;) LOL

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