soupkids Posted September 21, 2018 Share Posted September 21, 2018 Allstate Link to comment Share on other sites More sharing options...
snapper Posted September 21, 2018 Share Posted September 21, 2018 44 minutes ago, GibsonNytro said: Got my renewal yesterday from TD, due December 1st - I've been insured with them for 12 years. No claims or anything and it went up $150.00 and I ride a 09 Yamaha Nytro. Clear evidence TD is going to be leaving the powersports side of the industry. I had TD for years, no claims no complaints with this company. When I called to cancel my coverage 2 years ago all I got from the rep was okay, good bye. Never asked why, or if there was anything they could do to keep my business. Link to comment Share on other sites More sharing options...
02Sled Posted September 21, 2018 Share Posted September 21, 2018 1 hour ago, GibsonNytro said: Got my renewal yesterday from TD, due December 1st - I've been insured with them for 12 years. No claims or anything and it went up $150.00 and I ride a 09 Yamaha Nytro. I guess I lucked out on timing regarding when a rate increase goes into effect and when it is registered. As I said earlier my TD policy renewed Sept 19. My premiums are paid monthly and they are the same this year as they were last year, so essentially no increase at all. Except for the fact I am paying the same for a sled which has one more year depreciated value. One thing I did learn with insurance is to review the value of the sled and other covered items annually. If you buy a $15K sled and insure it at that value unless you update the value with the insurance company each year it seems it stays as $15K. This has an effect on your premiums. Link to comment Share on other sites More sharing options...
Yukon Posted September 21, 2018 Share Posted September 21, 2018 49 minutes ago, 02Sled said: I guess I lucked out on timing regarding when a rate increase goes into effect and when it is registered. As I said earlier my TD policy renewed Sept 19. My premiums are paid monthly and they are the same this year as they were last year, so essentially no increase at all. Except for the fact I am paying the same for a sled which has one more year depreciated value. One thing I did learn with insurance is to review the value of the sled and other covered items annually. If you buy a $15K sled and insure it at that value unless you update the value with the insurance company each year it seems it stays as $15K. This has an effect on your premiums. My rates also stayed the same with TD. I have my sled on a separate policy as to not effect my other vehicle rates if a accident were to happen. It's still the cheapest for me, for now... Link to comment Share on other sites More sharing options...
02Sled Posted September 21, 2018 Share Posted September 21, 2018 28 minutes ago, Yukon Cornelious said: My rates also stayed the same with TD. I have my sled on a separate policy as to not effect my other vehicle rates if a accident were to happen. It's still the cheapest for me, for now... The sleds are on a separate policy for us as well. There is one policy for the trucks and trailers, another for the sleds and yet another for the house and boats. The rules for insurance can be "funky". I recall a conversation with them. If you are driving and a ladder flies off the roof of the vehicle ahead of you and hits you while still airborne it's a comprehensive claim and no effect on your premiums. If it flies off and hits the ground first then they consider that you hit the ladder and it is collision which impacts your rates. Link to comment Share on other sites More sharing options...
GibsonNytro Posted September 21, 2018 Share Posted September 21, 2018 2 hours ago, 02Sled said: I guess I lucked out on timing regarding when a rate increase goes into effect and when it is registered. As I said earlier my TD policy renewed Sept 19. My premiums are paid monthly and they are the same this year as they were last year, so essentially no increase at all. Except for the fact I am paying the same for a sled which has one more year depreciated value. One thing I did learn with insurance is to review the value of the sled and other covered items annually. If you buy a $15K sled and insure it at that value unless you update the value with the insurance company each year it seems it stays as $15K. This has an effect on your premiums. Yep. I only have my 2 sleds (97 v- max & 09 nytro) insured with TD and they both went up. Truck, ATV & Boats all with different companies. Each year I lower the value of the sled and my rates have been pretty fair in my opinion. I guess its time to shop around and see if I can get back to where I was paying. At least have a few months to figure out a new company if that's the way you have to go. Good Luck to everyone else that's with TD. Link to comment Share on other sites More sharing options...
XTC500 Posted September 21, 2018 Share Posted September 21, 2018 Got my snowmobile insurance renewal from TD General Ins today for $389. (2010 Vector). Last year it was $376.92. That's the only thing I have insurered with the. Link to comment Share on other sites More sharing options...
stoney Posted September 21, 2018 Share Posted September 21, 2018 Just received mine today as well, increase of $36.00 over last year, the only increase was the "accident benefits"...... Link to comment Share on other sites More sharing options...
Pstn head Posted September 21, 2018 Share Posted September 21, 2018 6 hours ago, 02Sled said: The sleds are on a separate policy for us as well. There is one policy for the trucks and trailers, another for the sleds and yet another for the house and boats. The rules for insurance can be "funky". I recall a conversation with them. If you are driving and a ladder flies off the roof of the vehicle ahead of you and hits you while still airborne it's a comprehensive claim and no effect on your premiums. If it flies off and hits the ground first then they consider that you hit the ladder and it is collision which impacts your rates. So stupid, but I believe it totally. I had a similar situation when a deer hit the front end of my car...all I can say is good thing I didn't have a chance to avoid it and avoided the ditch. I Link to comment Share on other sites More sharing options...
bunker Posted September 22, 2018 Share Posted September 22, 2018 I just switched both my snowmobile and ATV policies from TD to the Personal Insurance, after 15 years with them. Link to comment Share on other sites More sharing options...
Baylaker Posted September 22, 2018 Author Share Posted September 22, 2018 6 minutes ago, bunker said: I just switched both my snowmobile and ATV policies from TD to the Personal Insurance, after 15 years with them. Did you leave TD because of rate increase as well? What do you pay now at the personal? I just checked out their website and it looks like this company could be decent. Link to comment Share on other sites More sharing options...
gobills Posted September 22, 2018 Share Posted September 22, 2018 Cancelled one sled with TD due to selling it. Now I'm on the hunt for cheaper insurance. Link to comment Share on other sites More sharing options...
wrightonalan Posted September 22, 2018 Share Posted September 22, 2018 I had to cancel td years ago because of big increase on sled and motorcycle.Then they didnt care about me dropping them either. Link to comment Share on other sites More sharing options...
Baylaker Posted September 22, 2018 Author Share Posted September 22, 2018 Just got off the phone with dejardins insurance. Seemed reasonable. $298 for 18’ viper & $385 for the 16’ viper because the girlfriend is driving it and is 7years younger than I. Lady said around $750 tax in. Just liability. $2900 for both sleds full coverage which is rediculous! Link to comment Share on other sites More sharing options...
02Sled Posted September 22, 2018 Share Posted September 22, 2018 1 hour ago, Baylaker said: Just got off the phone with dejardins insurance. Seemed reasonable. $298 for 18’ viper & $385 for the 16’ viper because the girlfriend is driving it and is 7years younger than I. Lady said around $750 tax in. Just liability. $2900 for both sleds full coverage which is rediculous! What about fire & theft? Link to comment Share on other sites More sharing options...
Nunz Posted September 22, 2018 Share Posted September 22, 2018 Seeing all this talk about insurance thought I would shop our insurance around and checked with a couple of options, one being TD Insurance, I have to admit I was very disappointed in the quote from TD. Have decided to stay with our current broker and Travellers Insurance. Link to comment Share on other sites More sharing options...
Baylaker Posted September 22, 2018 Author Share Posted September 22, 2018 4 hours ago, 02Sled said: What about fire & theft? $2900 for both sleds full coverage. Do they really expect or think people will pay that amount?? Lol Link to comment Share on other sites More sharing options...
reevester Posted September 23, 2018 Share Posted September 23, 2018 16 AC lynx 550f - 400$ full coverage for the year. 19 Indy XC 850 - quoted 450$ full coverage. Looks like I'll stick with TD as others are all over a grand or more. Link to comment Share on other sites More sharing options...
bunker Posted September 23, 2018 Share Posted September 23, 2018 On 9/22/2018 at 6:46 AM, Baylaker said: Did you leave TD because of rate increase as well? What do you pay now at the personal? I just checked out their website and it looks like this company could be decent. Yes much better rate. 2019 Skidoo 900 turbo $651 full coverage and 2012 Yamaha Phazer with no collision $113 Link to comment Share on other sites More sharing options...
Caistor Farm Boy Posted September 24, 2018 Share Posted September 24, 2018 The Farm Mutual we use, Zehr Insurance was higher than TD for Sleds and Quads till this year, we just switched them Link to comment Share on other sites More sharing options...
04nightfire Posted September 24, 2018 Share Posted September 24, 2018 Just picked up a new Ranger Crew 1000. TD will not insure it. Phoned Johnson insurance and they will insure it no problem and it is cheaper than my 14 Ranger 900 was. Link to comment Share on other sites More sharing options...
catinental couch Posted September 24, 2018 Share Posted September 24, 2018 Might be interesting when the renewal comes in from TD for the Crown Victoria. They were extremely absorbident for the premiums on the new Silverado. Link to comment Share on other sites More sharing options...
cookster Posted September 24, 2018 Share Posted September 24, 2018 44 minutes ago, 04nightfire said: Just picked up a new Ranger Crew 1000. TD will not insure it. Phoned Johnson insurance and they will insure it no problem and it is cheaper than my 14 Ranger 900 was. ha I had to do the same thing . they would not insure mine either 2018 ranger 1000, just went with my home and auto company. have been with td/primmum now just td I think for years with all my atv`s utv`s and sleds and now I just have wifes sled with them prob not for long once I see what they have to say about my new sled "prob will not insure it either" and I have never had a claim. gone for a Sh#t. so they have. Link to comment Share on other sites More sharing options...
04nightfire Posted September 24, 2018 Share Posted September 24, 2018 16 minutes ago, cookster said: ha I had to do the same thing . they would not insure mine either 2018 ranger 1000, just went with my home and auto company. have been with td/primmum now just td I think for years with all my atv`s utv`s and sleds and now I just have wifes sled with them prob not for long once I see what they have to say about my new sled "prob will not insure it either" and I have never had a claim. gone for a Sh#t. so they have. I have my sled with TD still. Will probably look into another company just say f you to TD for not doing the Ranger. I had Johnson quote my sled but they wanted $300 more than what I pay now Link to comment Share on other sites More sharing options...
Old Sledder Posted September 24, 2018 Share Posted September 24, 2018 $500.00 full coverage with Cooperators Link to comment Share on other sites More sharing options...
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