Spiderman
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Posts posted by Spiderman
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1 hour ago, stoney said:
And some great opportunities for those that are not feeling the negative affects of inflation.
Just look at the wealthiest people and how much their wealth has grown in the last few years.Nothing new, the rich get richer, the poor get poorer.
been that way since day 1
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Inflation is a real thing to the non rich.
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Didn’t make it, took the kid dirt bike riding instead.
Sounded like a good show
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1 hour ago, Domino said:
It may not be just Snowmobiling that lobbies for it. ATV trails, Cross Country Skiing, and other activities that traverse private lands. If we give up before we try, it will certainly fail.
Sled insurance is tied to the OAP.
We have overlapping issues here.
It’s not just the Occupiers Liability Act.
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We need to move past the we need to be like Quebec ideology.
It simply can’t be done without substantial changes to laws and a complete reform and overhaul of how insurance is administered and the laws that go along with it.
Snowmobiling in Ontario is not big enough to affect that kind of sweeping change.
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There are two ways to look at value, but In this case, the value provided from the permit is substantial.
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The pass is the absolute least expensive part of the cost of sledding. It’s not up for debate.
And let that sink in next time you pull your helmet and goggle combo that cost twice as much as a pass to ride groomed trails anywhere they are open in a province the size of Ontario over your head.
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5 hours ago, RAMSOMAIR said:
I've been saying we need to adopt the Que model for decades.
Insurance and the law in/around it is main thing holding that back.
Those 2 things are not easy to just “change”, and unless they do, the system can’t do much.
We can’t have what they, because we don’t have what they have.
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1 hour ago, stoney said:
Nothing to consider or look at for the jacket you were looking for?
Haven’t been in a few years myself, maybe longer than I think it has been.
If I go, it would be more for my son to see it than me at this point.
It and I’d say the snowmobiling community is not what it once was not so long ago.
Not at all what it used to be.
Don't forget social media stuff too, you don’t have to wait to see things, find deals etc.
there is still a tonne of value in going and vendors to chat with/to, but it will never be like it used to be.
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We ordered 5 again like last year.
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Might go Sunday, hockey today and tomorrow, so no time
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1 hour ago, Dave K said:
Do they figure that every Rural house has a hydrant in front of it?
Check with your local FD, they may have accredidation for tanker supply that wil give you a discount ( essentially they show they can supply water as fast as a hydrant)
Its kind of a crap shoot. They test the supply on a Sat, when the Volunteer FD are wating for the test to start. Should test on a Tues at 10 am, with no notice, and see if you can do it then.
No, they don't figure anything
Their underwriting is plug and play - nothing outside of the box
When you have rural properties, various equipment, motorsports equipment, etc., etc. etc. - you need to get with a good broker who KNOWS WHAT THEY ARE DOING, who will work with good companies WHO KNOW WHAT THEY ARE DOING.
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1 hour ago, Blackstar said:
I'm not planning for an insurance claim anytime soon. I switched 15 years ago because they were half the price of what I was paying (Pilot or Aviva?). I still don't pay what I was paying the other company because TD lowered my rates by 15% last year and sent me a rebate. How could I switch?
Most likely half the price for half the coverage. Price is only as good as the coverage.
in 25 years, I don’t think I have gone to a claim where people were expecting to make one.
you can opt out if you’re mortgage free.
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54 minutes ago, UsedtoSkidoo said:
found a local broker who has turned out to be quite good, TD couldn't believe that we were over 18km from a fire hydrant................I was stunned.
lol, don’t get me started on the fire hydrant situation!
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8 minutes ago, UsedtoSkidoo said:
They wanted 12000 a year for my new place.
They are out of touch
And in-case you haven't seen the news, TD ( banking side ) has been taking it on the chin quite a bit lately.
Expect rates to increase!
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49 minutes ago, Strong Farmer said:
Got my td insurance renewal for snowmobile.
hasn't changed much from last year maybe a few bucks a month it seems.
I what I did notice there is no longer a max insured value like before . They just put list price new in insured value column. Has anyone been able to change this to say 10k or whatever they think snowmobile worth or is this game gone and they are just making it like an auto policy and based it all off list price new value?
Thanks everyone.
Also if anyone looking for auto insurance this broker in St Catherine's is very good rates. Nobody can touch them it seems. Have all my automobiles there and they usually get me economical or gore insurance. They always answer phone or emails and call back quickly un like td.
They can be reached at 188-685-2376 for a quote.
Known as aeroridge insurance brokers.
I highly recommend them for vehicles, especially new drivers too.
My farm truck just slightly over 700 a year there full coverage 😎
Your sled policy is and always has been an auto policy. Only one that exists in Ontario.
Auto policies pay out on Actual Cash Value on the date/time of the loss unless you have a 43R and the vehicle qualifies for the 43R.
The value they list on it is for rating purposes and has nothing to do with a "max" payout or anything like that.
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2 hours ago, Blackstar said:
I've been with TD for over 20 years. House and sleds.
TD is the last place I would have my house with.
Sled is all they will get.
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6 minutes ago, scottyr said:
CAA is slowly creeping up their car rates.
My wifes 23 Toyota Highlander went up $500 this year and my 24 F150 was $400 more than my 22 was. No tickets. No claims. Just higher premiums.
My sleds are with Desjardins. TD was $70 cheaper per sled but its worth that to me to speak to the same rep every time I call vs a call centre in Bangladesh. I dont renew until Jan but the agent told me that my rates will be the same as this year.
I review everything every year.
We are year 2 with CAA as of September and house and cars actually went down just a tiny bit from the 1st year.
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My sled is still with TD.
Renewal is Dec 1, will see.
i moved everything else to CAA, being a 25+ year member got me a massive discount.
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47 minutes ago, Strong Farmer said:
That's not even One full one year of deprication hit. Doesn't matter as much if you keep it 10 years, but if you trade often it can hurt too. I am not a big fan of left overs for this reason especially 2023 at moment.
that makes sense if you trade that often to not buy a left-over
If you're looking to keep it 3-5 years - some great deals on left-overs out there
The biggest thing for me is on the left-overs - how much has really changed - and are those changes worth the extra 3-5k? ( doubtful )
the sled has already taken the depreciation anyway - and thats on the manu - not me - so also a win
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3 hours ago, Strong Farmer said:
Since processing times seems fairly quick, I think your assumption of sales are down is a safe bet or some people are just waiting until next window to charge credit card 🤷🏽♂️.
I think you have 2 months to save the $50.00, they don’t have a cap/limit or are going to run out, so I think there is no urgency or panic to purchase.
the only number that matters is the final one.
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The weather and areas allowed for local sledding in a lot of areas of the province.
Those days are mostly gone
We lived in Smithville ( I was not born yet ).
A few neighbors rode and they were the conduit to getting my parents interested and riding
My parents bought their first sleds in 1974. They have never not owned or had one since.
One was a brand new 1974 -one was a slightly used 1972 version of the same sled.
2 sleds and a trailer - were AFFORDABLE!
My parents would ride locally after work and on weekends with a trailer trip or 2 north each winter
Sledding was one of the main reasons my parents bought property up north
We've had it sooooo good for so long - so i think that is why I struggle with dealing with the changes in weather, trails closing, ease of access etc.:
I hate change
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28 minutes ago, signfan said:
Last year was definitely frustrating. But I look at other years where I have got way more than my money's worth. It evens out. Have to support the system to ensure it is there for years to come. Hopefully this lup issue resolves itself. Certainly not making life easy for the volunteers.
Has to be a ton of work.
Sled prices falling large ?
in Main Clubhouse
Posted
I was in Dollar Tree on Saturday, the lady being trained on the cash had to be 80+ - my wife actually said to me that she hoped she was there for something to do, and not because she needed to be there. I said let's hope that is never either of one of us.