Who here has insurance on all their toys? Boat, atv ,snowmobile... new purchases or used goods.
Printable View
Who here has insurance on all their toys? Boat, atv ,snowmobile... new purchases or used goods.
I sure do on my boat and ATV. The ATV must be covered by law the same as any other vehicle for use on public roads and trails,the boat is covered for PL&PD in case I screw up at a launch.
Same here....wouldn’t leave home without it !!Quote:
Originally Posted by trimmer21
Just fire and theft on my stuff. All mine are old relics now, just ride private land too.
Sent from my SM-G960W using Tapatalk
Sounds like a silly question, maybe I am wrong but doesn't everyone have insurance coverage on all their toys?
No legal requirement for boats. Some marinas/docks require it though. It will almost likely be required if you are paying off a loan on the boat.Quote:
Originally Posted by fratri
Atv's and snowmobiles require insurance if used anywhere other than property you own or occupy.
You have to have insurance on your ATV and it must have a plate.
Boats don't have to but if you owe money on it probably something you should have.
Wouldn't be without it either, had storage shed collapse with snow load at end of March 2014 (got an unexpected dump of about 8" wet snow overnite) wrote off my Honda atv, 16 foot boat (salvaged 40 hp 4 stroke motor and trailer) 2 chain saws, various fishing poles and reels and a bunch of other stuff. Insurance adjuster came and had a look, quoted a price which I refused but they came up with a much better offer which I accepted. Ended up with new shed and bunch of cash for wrote off items. Other than inconvenience of rebuild it was a boneless experience with insurance co. and I was happy with results of claim.
Liability is a big thing......things can go wrong pretty quickly, and there’s no shortage of lawyers that will initiate a claim !!
That is my thinking too... Can`t have enough now days...Quote:
Originally Posted by rick_iles
Boat is listed under my house insurance with a separate rider. A couple of my firearms are also listed because the replacement would exceed what would be allowable by standard house insurance.Quote:
Originally Posted by Woodsman
Unless things have changed, you do not need insurance or plates if the ATV is operated on your property (ie a farm).Quote:
Originally Posted by greatwhite
I insure my toys with liability, comp, and fire/theft. I don't insure for collision, and figure I'll just take on the chin if I ever total something. I insure a road bike, ATV, UTV, and snowmobile and my cost is around $1000 a year.
That is correct, I use to drive my skidoo on my friends farm land 500 ac. But to go off private you need insurance.
Quote:
Originally Posted by delmer
Actually that is not correct.Quote:
Originally Posted by greatwhite
If you don't own or occupy the land you require insurance.
Just because it's your friends property does excuse you from legally needing insurance.
Will you get caught? Most likely not but if an accident occurs and the police get involved expect to be nailed.
If you are going to correct someone’s post, at least be correct !Quote:
Originally Posted by Woodsman
What is wrong?Quote:
Originally Posted by rick_iles
rick-iles actually you may be correct under the MSVA Act owning the land isn't mentioned. Just that the snowmobile must be owned by the occupier of the land.
Insurance
12 (1) No person shall drive a motorized snow vehicle unless the vehicle is insured under a motor vehicle liability policy in accordance with the Insurance Act, and the owner of a motorized snow vehicle shall not permit any person to drive the vehicle unless the vehicle is so insured. 2000, c. 30, s. 6 (1).
Production of evidence of insurance
(2) The driver of a motorized snow vehicle who drives or permits the driving of the motorized snow vehicle shall, upon the request of a police officer or conservation officer, produce evidence that the vehicle is insured under a motor vehicle liability policy in accordance with the Insurance Act. 2000, c. 30, s. 6 (1).
Offence for failure to have insurance
(3) Every person who contravenes subsection (1) is guilty of an offence and on conviction is liable to a fine of not less than $200 and not more than $1,000. 2000, c. 30, s. 6 (1).
Offence for producing false evidence
(4) Every driver of a motorized snow vehicle who produces false evidence when required to produce evidence under subsection (2) is guilty of an offence and on conviction is liable to a fine of not less than $200 and not more than $1,000. R.S.O. 1990, c. M.44, s. 12 (4).
Exemption
(5) This section does not apply to a person driving a motorized snow vehicle on land occupied by the owner of the vehicle. R.S.O. 1990, c. M.44, s. 12 (5).
I don't leave home without it, boat and ATV.
Yeah I'll take my chance on private land.
Insurance wise for off private land I just have the basics where it is required. I don't have theft on any of my equipment except my truck which has full coverage (They gave me full coverage for an extra 10 bucks a month).
When I do leave equipment behind we either chain stuff together, hide it or bring it with us. I never use to lock anything but have read enough stories on here of people having their stuff stolen that we started taking extra protection.
Quote:
Originally Posted by Woodsman
Boat and ATV insured, you just never know.
I could be mistaken,but,I think sect 5 was repealed a long time ago.Quote:
Originally Posted by Woodsman
C'mon Mods! Read the forum heading:
"Have a question about the forum features, having problems uploading a picture. Post your questions here and we will try to help you out"
Anything else, move to the correct forum.
I put liability on my ATV when I go north for moose hunt. $20 will cover me for the month than its automatically cancelled. The money I've saved not having full coverage for the last 15 years will buy me another ATV.Quote:
Originally Posted by boddah
Nope, it’s still there ...Quote:
Originally Posted by trimmer21
I was at our hunt camp last fall and was witness to a OPP officer give a ticket for just that thing, not snowmobiles but ATV's, 4 guys on our own ATV's on private land . But it was not our land. Officer said he was doing us a favor by handing out one ticket, instead of four. We split the cost.Quote:
Originally Posted by Woodsman
Full coverage on all toys. It hurts but now a days toys don’t come cheap, want to be sure I’m covered just in case.