Spiderman
-
Posts
1,991 -
Joined
-
Last visited
-
Days Won
56
Content Type
Profiles
Forums
Gallery
Posts posted by Spiderman
-
-
1 hour ago, barberch said:
I sure hope there are no paper maps found being given out by the Clubs/ Districts/ OFSC at the snowmobile shows this year. It would be terrible if a rider was using the paper maps and riding on closed trails because they didn’t check the online status.
On-line status is a “guide”, and can still be checked daily.
Did they say they were taking it down? Did I miss that?
-
7 minutes ago, signfan said:
You're right on the SIR. Still begs the question what could those volunteers hours be doing instead of risk management paperwork? If $167 per permit is volunteer hours what percentage of that goes to risk management? I bet you the dollar value is large. Instead of 4 hrs taking the signage course for the 15th time not learning anything wouldn't that time be better spent actually installing signs? The legal questions are much larger than snowmobiling. What makes Ontario so special? We pay through the nose for insurance here vs the rest of the country. Are accident victims better off here after the fact?
I can tell you the one thing I would like to see change.
I would move to have Snowmobile insurance not fall under the OAP.........
I would like to see where it has it's own insurance - which would be tailored to off-road use only. Sleds are not cars, do not operate under the conditions in any way shape or form like cars - and should not be "lumped" in as such.
Boats aren't - so why are sleds?
No standard 1st party injury benefits - unless purchased by the user i.e.- opt in - opt out ( choose you risk level )
No tort actions permitted for any use/operation of a sled ( Quebec with vehicles..... ) while riding on a prescribed OFSC trail - legislated - statue barred.
These steps would save snowmobiling in numerous ways.
Unfortunately - it won't happen - because sledding is small potatoes in the bigger picture to those who don't care about it.
-
1
-
-
6 minutes ago, signfan said:
I hear you, but something is off in Ontario. How can it be so different on these issues jumping just one or two provinces in any direction of Ontario. Go to Quebec, New Brunswick or Nova Scotia and you get gps maps and groomer tracking. There volunteers are focused on delivering an exceptional product while our volunteers are focused on defending the insurance companies interest. It was frustrating to be involved with and is frustrating to see. The organization has great people. But way too much effort is going to risk management.
They all have different laws and litigation procedures when it comes to dealing with personal injury via snowmobile accidents and how tort claims are allowed to proceed.
It's not apples to apples and that is a big part of what is misunderstood.
I would put to you they are defending the OFSC, their partners, and their memberships interests before they are that of the insurer.
I am speculating -but I bet the OFSC has a fairly sizeable SIR
-
29 minutes ago, stoney said:
No skin in this game either but for those that do, the general consensus that’s been shared is they did not know this was coming making it poorly executed, communicated and that leads to poorly thought about.
100% agree if this is a reason to stop what you do, no different than a land owner trying to find reasons to pull the plug….
Unless any of the ones that did not know it was coming were required to know ahead of time- than I don't see an issue.
Why a consumer/user would think they should be aware of private contract renewal details with a third party is not something I would concern myself with either.
The best you'd get is that I am sorry you liked using the product - but we're no longer supporting it and that's it.
My work does it to us all the time with equipment, vehicles, you name it - we don't get a heads up - we don't get a say - and that's it.
Move on
-
21 minutes ago, stoney said:
Agreed - I think this decision on trakmaps was not well thought out, executed well or communicated very well for those that use and relied on them year after year.
But, is that the reason or issue (off season use) or is it the liability of not having a live data base using trakmaps - pretty sure the blurb posted recently was to do with not having live active database on open or closed trails, than yellow or green I am sure.
Based on the limited I know and/or have read, perhaps communicated - but without being on the inside and having knowledge of all that went on, don't believe it would be fair to say not well thought out, and not well executed.
I know I am the one-off/exception to the norm here - but i have never heard of it until I read it here - I don't use that stuff and could care less about it.
If you're quitting sledding over a digital map - you have the issue - not the other way around. imo
-
1
-
-
16 minutes ago, Strong Farmer said:
Property owner gets nothing but a mess. Can you blame them. Most do it for generosity of community for recreation purposes.
Price of property we are doomed if we think we can continue to have free access to it. More and more foreign owners come in, no way access will continue 🤣.
Hence the OFSC doing everything they can within their abilities to take care of, and protect that access.
-
1
-
-
1 hour ago, Strong Farmer said:
I see. Lots of it is crown land isn’t it. Just lake access that are private sometimes, ie thru property lots to get access for sledding?
Way north for Crown land.
Pretty much all of Muskoka riding is on private property
-
1 hour ago, Big Pete said:
7% increase at each price point.
the new 4 year deal with MTO allows permit prices to increase by up to 7% each year. No indication on what decides the “up to “ level each year. Looks like it’s tied to inflation bs actual costs.
I'll take 7.
My property taxes are slated to go up 14.5%.
Might be time to move.
-
1
-
-
8 hours ago, Strong Farmer said:
It was a good stopping point, part of rap too. Not allot of choice that way either and it was decent when open.
It was the perfect place.
-
1
-
-
What is painfully obvious is without all the volunteer work and generous person(s) and businesses that help to keep the machine running - the cost to ride would be astronomical - and we'd have a lot less places to go.
-
3
-
-
48 minutes ago, Strong Farmer said:
Me too. Only have my sled left after taking the house away over sub pump endorsement flood limit 🤣.
Nothing bad to say about td.
You and a lot of others.
Their limits will barely cover the clean-up costs these days - let alone the repairs and personal property damage. I could never have my house with them for the same reason.
Need the RIGHT coverage!
-
9 minutes ago, stoney said:
Ya, kind of my thoughts, as long as you pay my claim and deal with it professionally, that is the important part and what you are paid for.
I have heard good and bad from various people on that front from dealing with TD and others, I have no experience myself, for now, knock on wood, so hard to form a strong opinion, but I am sure they are all the same, except a broker I guess since they are a middle man.
TD did once however deny me insurance on my drag car many, many years ago, I was using it originally for both street and strip so had normal insurance at that point, than went just strip but left fire and theft on it in case anything happened to it and it was appraised at the time as well, I recall having a call one day with a person from TD about my policies in general and the car came up, asked some questions, I answered and then that happened shortly after.....I was not surprised by it to be honest, so looked into a specialty insurance firm for that afterwards.
Sleds in Ontario are all insured under the OAP - settlement is set out within that form, along with the Insurance Act, so they all HAVE to follow the same rules/regulations.
They can't go rogue.
Service on how they choose to deal with their customer is the only thing that can set them apart.
TD are direct writers and write only the simplest risks - they are not a company that dives into anything specialized or niche.
If you have anything that is not a regular car or house - they are likely not the company for you.
For those types of risks - or if you have zero knowledge of anything about insurance at all - is where a broker can be helpful.
Like everything else in the world - there are good brokers and not so good brokers.
Some are very very knowledgeable - some are very good at selling and have ZERO understanding of claims etc. - which can also give a false sense to the client.
I have come across some that should not have a license to sell - period.
Anyway, do your homework - find someone you like - and put your money where you want.
Cheap does not = good.
You get what you pay for.
-
1
-
-
26 minutes ago, stoney said:
Seems to be a trend with this TD firm - only insure the low risk clients, sort of defeats the purpose of Ins, but like anything, need to play the percentages, cannot have too many clients that are deemed higher risk, whether by their fault or not.
At least denying upon renewal does not affect you where cancelling you does, if I am not mistaken.
I have TD for sleds and trailers, no claims that I can recall, so I am still good for now and should see my renewal papers coming soon.....lol
Only my sled is with TD.
They entered the market with low rates - that's how they pulled us all in.
They ceased renewing clients that had payouts.
They're all the same.
Only time an insurer can show their worth is service on a claim.
-
2
-
-
31 minutes ago, Big Pete said:
When the announcement is made in the next couple of days keep this in mind.
some info from the updated Economic Impact of Snowmobiling in Ontario was released at AGM. The value of volunteer contributions through out the organization have been estimated at $16.4M annually. Based on approx 100,000 permits sold, that represents a cash savings of $164 to every permit buyer. That’s huge.
Wow!
Thank you volunteers!
-
25 minutes ago, Big Pete said:
Any fund raising done by clubs stays with clubs. The OFSC does not control any of that money.
That being the case, I assume fund raising for a club is important
-
17 minutes ago, stoney said:
Thanks - I know they are still in circulation, I was more questioning if the advertising is still what it once was to help pay those expenses, maybe it is or maybe not.
I have a friend who's only reason to get paper maps, usually at the sled show each year, is to see who advertises on them, so he can support those businesses.
Community partners like to support one another.
I'm sure there is no real "pay off' - other than showing your mutual support for one another.
-
11 hours ago, stoney said:
Well, of course - thankfully in this world we live in, so much is done via email that provides a trail to the two sides.
But to make an allegation like this, I would hope any insurance company would need some good concrete evidence to deny a person.
His claim was paid.
He was cancelled on renewal - not denied.
Those are two completely different things.
Any insurer or insured have the right to cease doing business with each other.
-
12 hours ago, Strong Farmer said:
Actually agsinst the law to deny you insurance isn’t it?
Actually no, it isn't - that's why you have an "application".
Because it's required for an auto to be on the road - there is a facility market if no regular market is interested in taking you on.
Facility will provide you coverage if no regular market will
-
3 hours ago, stoney said:
Is there not an internal avenue that you can take to challenge something like that so a bad apple like this can be dealt with or at least exercise an avenue to try and deal with that?
Yeah, an Ombudsman.
That said, there are always two sides to a story.😁
-
5 hours ago, Strong Farmer said:
Bad experience on a claim?
Some people have a great experience with td and others it’s a cluster cluck. I personally like having a broker since he get best payout and service possible. Td woukdnt touch my four wheeler because it’s used commercial on my farm. Go figure. I have everything with a broker now except snowmobile. Seems most companies don’t want sleds is half problem.Brokers don’t dictate payouts, your policy and the Insurance Act do.
-
1
-
-
Paper maps were great for promoting the comraderie of riding.
Stop, pull out a map, check the map smoke break ( for those that needed it ), rip on each other about their crap riding skills, push down your buddies kill switch, etc.
I prefer those days
-
6
-
2
-
-
15 minutes ago, RAMSOMAIR said:
I’m with Intact for my home/auto/camper/SxS. Intact is way lower for everything but sleds. Sleds are with TD.
Not sure why Intact can’t come close to TD as they underwrite all the FMCQ sled insurance.2 totally different insurance products.
-
If you're full coverage on that sled - it's reasonable.
Without knowing full details - hard to compare.
I've been with TD over 10 years.
Premium for coverage provided is better than anywhere else I have shopped.
No claims - so no personal experience on that end - but it's an OAP - process is simple and I am not concerned about it as I know how to handle a claim
-
2
-
1
-
-
10 hours ago, stoney said:
So the OFSC had a player that was used but were not meeting a new criteria.
I assume discussions were had to see if that player could accommodate?If criteria could not be met and there are other possible players, it would seem prudent to give those other players a chance to step up to the plate before this decision was made.
I assume current gps can still be used to track your trail, route taken , etc…., but would need to be used in conjunction with the trail map app with most current trail route, status, etc …not ideal.
Doesn’t appear to be the most well thought out decision, perhaps there is more to the situation that helps make more sense of it or why notice of this was not communicated.
Not if the agreement with the current provider was ending and no longer met their needs, regardless of whether or not a new player was procured.
if the existing doesn’t do it, it’s over.
-
1
-
Trakmaps no longer available in Ontario?
in Main Clubhouse
Posted
So, by not using it, it can be checked daily…..
Trakmaps sounds like a nice to have, not necessary item.