Snowmobile Reviews

Do you claim?

So it was of great interest when I learned that a Snowmobiling buddy of mine has, and as far as he is concerned, always will buy Snowmobile insurance.  We actually got into quite the debate about this subject.  Why, I thought aloud, would anyone spend their hard earned money on a service that both parties hope will never be used.  It should be noted that he himself has never used his insurance, but can list several "close" friends who have had their Snowmobiles replaced because they had a policy in effect when some unfortunate event befouled them.

For the life of me, I still cannot understand his stance.  If you will indulge me for a minute, this is how I see any insurance claim playing out... 

I just picked up my brand new Arctic Cat Crossfire 1000 a few months ago.  I've had my baby piped and ported and loaded in the enclosed trailer beside my house, ready to be taken up into the hills early tomorrow morning.  To my disbelief, both trailer and Crossfire are missing by the time I get out of bed.  "No worries", I think, because I was clever and have been paying $40 a month for insurance to cover just this.

I'm sure you are way ahead of me on this.  I spend the next 3 weeks talking to some guy in Bangalore wondering where my replacement brand new replacement Crossfire is.  From what I can gather (I only understand about every 4th word the insurance representative says) because of depreciation, deductible, terms of service and other fine print, I will be getting a check for $2500 as soon as I pay the $15 shipping fee.

This is how I see all insurance claims working.  So I wonder, what do the rest of you Snowmobilers do for insurance?  Those that have Snowmobile insurance, have you ever had to file a claim?  How was the claim handled?

I don't know that I'll ever be a firm believer in paying for a service you hope to never use, but I am interested if anyone has a positive experience.

Comments (6)

Cichon: Mr. http://www.youtube.com/watch?v=6VAQGOF50Ec 1 December 31, 2006 Jim Lamar: Sled insurance. Here's my story, I have insured my sled, fire theft and basic perils, it's $470.00 for 1 year, full replacement if stolen, I had to take my sled to the insurance company before I could insure it, why you may ask, well because they wanted to see it's condition and verify the serial number. There has been a lot of fraud regarding snowmobiles in the past so this protects them and assures me that they are going to take care of me if anything happens. I also have liability included in that price, in case I hit someone or their vehicle. Here in British Columbia, if you are riding on Crown land or forestry roads you are required by law to have liability insurance or you can be fined $800.00. Easy choice really.If you think that paying for insurance is money wasted just talk to someone who was involved in an accident and didn't have any, they will tell you the value of insurance. 2 November 23, 2007 Irideyamaha: Think about it Ok so think about this. Insurance can be a plus! I'm not saying go get into an accident with your snowmobile. But buying a new tunnel for your Yamaha Nytro, or probably most other sleds. Costs extreme amounts of money. If you get a kink in your tunnel and you need a new one the insurance company is going to encourage you to go to a cr tunnel, or another aftermarket brand cuz they're cheaper. This is the same with other parts as well. aftermarket is normally cheaper than stock and if it does come to a point where u need something fixed, your going to end up with a lot better part than your sled originally had. 3 February 24, 2009 Snowmobile Graphics: I use Farm Bureau Depending on where you're at Farm Bureau has the best rates on sleds 800 and above...fyi. 4 September 01, 2009 Curtis: this is cool too...would insure it for sure though! Snowmobile Graphics 5 September 01, 2009 DAN WALTERS: SLEDING i just got a new 800 rmk , ins only 285.00 a year with state farm , it helps if you have all your cars and home with them. 6 December 04, 2009

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