Spiderman
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Posts posted by Spiderman
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25 minutes ago, skidooboy said:
what do you think you guys are going to doo, with your balaclavas, helmets, at stops? Ski
Pack a few clavas for the day anyway, will be no different.
Helmets should go onto a cleaned rack - take your chances and carry on.
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Good stuff, sled looks great.
I still get to sneak a few rides with my dad when time allows it, he is 73 and they are always my favourite rides.
my son will be able to get his license for next winter and we are hopeful to do a short overnighter, all 3 of us.
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Broker has called around - TD still best price in the game.
Like Stoney, called in, gave credit card number - renewed and that's it.
Now snow please and thank you!
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19 hours ago, stoney said:
I'll be calling them shortly to pay for my yearly premiums and see what sort of wait I am in for.....do not recall anything odd in the past, but we will see.
I am sure there are others ways to pay, but I just call in to pay with my visa each year, always have.....
Have always done the same, for the amount to insure just the one sled, slap it on my visa and take a few points.
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14 minutes ago, Big Pussy said:
Sounds like I need to keep my 30 year policy with The Guarantee Company of North America. At least they insure all my toys and so far, Intact hasn't f%&$ed it up yet.
GCNA is/was a great company to be insured with.
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Decided to try shopping my sled insurance yesterday.
First place I tried is where my vehicles and boat are - no dice - my antiquated crap box Cat is on their "restricted" list.....
Broker is making some other inquiries today - see what shakes out.
If all else fails - back to TD
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Maybe it's time for a career change and I should buy it.
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1 hour ago, stoney said:
So lets say you have a son or daughter that is driving but they have their own car and insurance, do you still have to mention them and potentially there bad records will affects your rates, even if they have always had their own policies and ownership, unless you add this 28A that sounds like it basically informs the Ins that under no circumstances will driver A or B listed on the 28A will use your vehicles?
In your example - if your kid lives in THE SAME HOUSEHOLD and YOU KNOW they have a piss poor driving record - and they have their own car and insurance - then I would 100% add them as a 28A - excluded driver and save yourself the headache and premium - but of course - talk to a broker, but I would.
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1 minute ago, XTC500 said:
At the time of application for insurance I (perhaps naively) didn't know about my sons speeding tickets. When they called me, there was no mention of 28A. They said they had to cancel the policy because I lied on the application.
Yeah, they handled it poorly - firstly - you didn't "lie" about anything - if you don't know - you don't know - they can run an abstract and have it back in less than an hour and find out for themselves - they chose not too and/or possibly failed to ask the question.
If the questions were:
1. How many drivers in the household - Answer - honestly
2. Who are the drivers - names - ages - relationship?
3. Will those drivers be driving the insured vehicles?
If you failed to answer those honestly, then that's a different story.
It's not reasonable for your know the driving history of everyone, household or not - I don't know if my own wife has tickets - she might? I don't know.... - so that's on them - you didn't lie about anything - and if you cared enough - you could take that up with the ombudsman - but I would say move along and if it's an issue anywhere else - either have him chip and pay the extra or get the 28A and he's on his own.
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1 hour ago, PISTON LAKE CRUISER said:
I appreciate you letting us know about the 28A excluded driver end. Dealing with TD over the phone most non insurance employed people would not know about it. Can you please explain a little more about what the 28A actually does.
Just as an aside, I tried calling TD insurance last Friday at 8:02 (2 minutes after they opened) to cancel my policy which was set to renew Nov. 9th. I was on hold for over 38 minutes and decided to hang up and mail the cancellation notice to them. I've had to be on hold for many companies but never for that long and with no updates. They must have got really busy in the first 2 minutes they were open. LOL
Agreed, which is why for some who are not insurance educated could rely on the services of a broker.
Here is the link to the endorsement and details.
I see them quite regularly on the claims side and actually check for them on every auto liability claim when we are assigned them.
https://www.fsco.gov.on.ca/en/auto/forms/Documents/OAP-1-Application-and-Endorsement-Forms/1069E.pdf
As for the customer service, it sounds terrible and I would not be happy about it either.
Talk to a broker - they'll answer you're call and do the work for you.
Cheers,
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39 minutes ago, XTC500 said:
I learned a couple hard lessons about insurance over the years.
Back when we were first married my wife drove a little Mazda GLC. She wasn't a well coordinated driver & in a period of a few months she rounded off 3 of the corners of that car in separate incidents. Cost was high enough that we put them through insurance. Our next insurance renewal, all with the Cooperators, her car insurance cost doubled (and rightly so) my truck & snowmobile insurance also went way up. (don't remember exactly how much) Since then I have made it a point to never have any of my vehicles insured with the same company. Of course loosing out on any multi discounts.
Close to 20 years later my son needed a car to get to work. (just out of high school & living at home) Being the good dad we bought the car in my name and the insurance was in his name. My thinking was the car would get turned over to the next child eventually. Well my son had an accident or 2. Costing the insurance company some $$ & his rates went through the roof. A year later the boy moved to TO & didn't need the car so we sold it. About a year after that I get a call from the insurance company. Where is your son, does he drive, & who is his insurance carrier?? He didn't have a car or insurance in TO, so they informed me that because his previous car was in my name, the increased insurance rates that he would have been paying would be passed on to me. So my rates doubled.
A few years after that I insured a new snowmobile in the fall of the year with TD. I think I did the transaction over the phone. They asked if any one else's name should be on the policy. (no charge to add the names) So I put the names of both my sons on the policy. No questions were asked. Later, when the snow was on the ground, approximately early January, I get a call from TD, stating that my son (the one I bought the car for) had multiple speeding tickets. Because this was not declared on the insurance application my snowmobile insurance was canceled. I tried to explain that my son does not necessarily disclose all his tickets to me and I didn't know. Didn't matter. So there I was scrambling in January to get sled insurance.
there is a lot going on here.
All insurance companies want to know how many licensed drivers are in the household and who they are - namely - because of use and operation and consent, whether it be implied or not.
The simple approach you could have taken is to add a 28A excluded driver end. to your snowmobile policy and be done with it.
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16 hours ago, stoney said:
Yes, he was a great guy to deal with....heard he left ORPS and moved further north, not sure what he is doing now.
I saw your pictures of the rink on the other forum, nice size and good to get er done while not too bad out, but doesn't give you much motivation to think or do much of winter stuff when we have this type of weather.
Here is hoping we start to slip back into some cold weather, maybe some flurries, frost, etc....before the lake affect kicks in.
Keeping the CAT for another year or still on the fence?
Keeping it for now - been on the fence kind of waiting to see what kind or hockey season we're going to have - looking like none - so leaning towards replacing it - just not motivated yet.
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Only ever had custom numbers and only ever will.
Not sure what all the discussion is about - but Quebec laws/legislation regarding registration, plating etc. would apply to only residents there - not me.
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1 hour ago, stoney said:
That then became a cat dealer called ATC, John soon was no more, not surprised......Rick & Jody kept it going, relocated the dealership down the road and then sadly closed the doors.
Nothing good I am sure.....
ATC was good, Jody took care of me the first year I had my Cat.
As for the weather, it was strange setting up my rink last weekend in 25 degree weather and a t-shirt and shorts - felt like when I normally take it down - not set-up.
I hate the warm this time of the year, lets have some winter.
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10 minutes ago, stoney said:
Perfect - thanks for the link.
Her sled qualifies - this is a good fit for us.
Cheers,
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Asking a question - and 100% transparency - it's because I am out of the loop - and quite frankly - too lazy to look........:)
Question - is the Classic Permit gone?
We ordered 3 permits for our regular sleds - but my daughter is legal on the trails and I was wondering what permit to put on her sled - she will use it very very little- but will use the trails sparingly and I don't want her out on the 800's or 600's just yet.
Is there a modified option - or is it full pull or nothing?
Thank you
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29 minutes ago, 02Sled said:
I shop around each year... I can save a LITTLE if I want to have the sled with A, one truck with B, the other with C, the boat with D, the house with E and so on. The little bit of savings isn't worth the aggravation of having to deal with multiple insurance providers. One stop shopping for me. The one thing that may drive me away though is the "we are experiencing high call volumes and you may experience a longer than normal wait time". I've been hearing that for at least a year now. The last call was a little over 45 minutes on hold.
Well, a couple of things for me.
1. My house, vehicles and boat are with one insurer.
I use a broker for those - because I believe in some broker support - good ones do have value and they are necessary for a large part of the insurance buying public.
My broker does the shopping - it's their job. We talk once a year - review any changes - discuss coverages and discuss insuring options.
It's a 10 minute call and I don't have to initiate it or ever be on hold.
Do I need a broker to do this for me? certainly not from a knowledge base - but I prefer the easy chat than chasing quotes myself.
21 years adjusting multi lines claims - I have a very good handle on what coverage I feel I need/want and we get the best for our buck every year.
2. My sled is with TD - a direct writer - why - because apples to apples coverage - no insurer can touch the rate I have. It's not a "little", it's close to half in most, if not all instances - so that's where it stays.
I take 10-15 minutes a year on the phone with them - at renewal - review coverage ( changed it last year - dropped collision ) and give them my credit card number - aside from that - no need to call them at all and that's how it's been for over 10 years now - couldn't be easier in fact.
If you're doing the shopping each year - you apparently do not use a broker - but if you are and you are doing that work - then you need to find a new broker.
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2 hours ago, stoney said:
In the insurance biz and using TD......I guess TD can't be all that bad
Lol, like I said, BEST coverage for BEST price, cars and house are elsewhere, and none are with the company I work for.
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Just got my renewal - zero change up or down - exactly the same as last year.
TD btw
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Haven't gotten them in awhile - would be nice to have something interesting to read though.
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Things to remember.
1. Let the Insurance company ask the questions
2. Answer the questions truthfully - if you choose to provide un-truthful answers or mislead - then don't complain when there is an issue
3. Price isn't everything - it's about the BEST COVERAGE for the best price - make sure you are comparing apples to apples when canvassing for price
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On 10/21/2020 at 10:01 PM, stoney said:
100% correct for me on more than one occasion - OPP only looking for tag, ownership & Ins.
Never been harassed for permit (that I recall).....and if you think about it with the online purchases for temp passes that are just a piece of paper you carry, the actual permit placement has become even less of an important factor - paying and having one is!
Someone balking about where the permit is actually placed on a sled after you are stopped for a trail side check, needs to really think about what is important here, and clearly they need some direction.
I have never ever had the permit on the windshield on any sled since at least 1988, never once been hassled about it.
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Hey all, looking for some suggestions or recommendations for reputable Arctic Cat dealers for service work.
I have some work that needs to be done on my sled prior to this season and I am hoping someone can make a recommendation for a REPUTABLE dealer that can be trusted on their service work.
If you could please PM me your recommendations that would be great. Location is irrelevant - I can decide on my own if it's too far or not.
Cheers, and thank you
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We bought 3 before the deadline.
Sled Dining Covid 19 Style..
in Main Clubhouse
Posted
Yup, an extra wipe here and there and not a big deal needs to be made about it.
Seating capacity limits are the bigger concern - be an awful lot of waiting around to eat.
Pack some snacks and plan wisely