stoney Posted December 5, 2021 Share Posted December 5, 2021 10 minutes ago, RAMSOMAIR said: 22s or did you mean 23s haha Come on, stay positive now. Quote Link to comment Share on other sites More sharing options...
Turbo Doo Posted December 5, 2021 Share Posted December 5, 2021 56 minutes ago, RAMSOMAIR said: 22s or did you mean 23s haha No kidding. I'm attempting to hold my composure, we shall see how long that lasts. Quote Link to comment Share on other sites More sharing options...
scottyr Posted December 5, 2021 Share Posted December 5, 2021 4 hours ago, Big Pete said: Scottyr, can I ask what you mean by full coverage. Limits? Deductibles? thanks All perils. Collision, comp, $2M liability. $500 deduct. Quote Link to comment Share on other sites More sharing options...
Strong Farmer Posted December 5, 2021 Share Posted December 5, 2021 42 minutes ago, scottyr said: All perils. Collision, comp, $2M liability. $500 deduct. 2 million on a sled. Td won’t give that out. I better switch been looking for higher coverage last few years. Thanks. Quote Link to comment Share on other sites More sharing options...
Spiderman Posted December 6, 2021 Share Posted December 6, 2021 On 12/4/2021 at 11:14 PM, Strong Farmer said: 2 million on a sled. Td won’t give that out. I better switch been looking for higher coverage last few years. Thanks. Its an Auto Policy - did you ask and they said specifically said no? and if that is the case - have them explain their reasoning. I just renewed mine @ TD - Specified Perils as it's a 2012 - $343.00 done. Quote Link to comment Share on other sites More sharing options...
scottyr Posted December 6, 2021 Share Posted December 6, 2021 TD will not give $2M liability. I asked as well. The local Desjardins agent is a nice gal. I can call them and speak to someone who I understand. 1 Quote Link to comment Share on other sites More sharing options...
PISTON LAKE CRUISER Posted December 6, 2021 Share Posted December 6, 2021 On 12/4/2021 at 11:14 PM, Strong Farmer said: 2 million on a sled. Td won’t give that out. I better switch been looking for higher coverage last few years. Thanks. Try Ayr Farmers Mutual. I believe they offer 2 mil coverage. 1 Quote Link to comment Share on other sites More sharing options...
Big Pussy Posted December 6, 2021 Share Posted December 6, 2021 Economical Mutual does. I have it. Quote Link to comment Share on other sites More sharing options...
Turbo Doo Posted December 30, 2021 Share Posted December 30, 2021 Can I speak to someone that speaks and understands ENGLISH PLEASE. Why is this such a hard thing to do?. 1 Quote Link to comment Share on other sites More sharing options...
Blackstar Posted December 31, 2021 Share Posted December 31, 2021 5 hours ago, Turbo Doo said: Can I speak to someone that speaks and understands ENGLISH PLEASE. Why is this such a hard thing to do?. LOL...I just called TD today too. 1 Quote Link to comment Share on other sites More sharing options...
Blackstar Posted December 31, 2021 Share Posted December 31, 2021 Just a thought. Every year I always made it a point to call TD in the fall, when my insurance renews, to lower the declared value of my sleds to current market value. With the rising prices of used sleds, my declared value is likely $2000 or more below what I'm seeing on Kijiji. Do I bother to change the value? How is TD coming up with a value on your sleds? It used the be Blue Book but I'm assuming it would be out of touch with what has happened in the market. Quote Link to comment Share on other sites More sharing options...
stoney Posted December 31, 2021 Share Posted December 31, 2021 30 minutes ago, Blackstar said: Just a thought. Every year I always made it a point to call TD in the fall, when my insurance renews, to lower the declared value of my sleds to current market value. With the rising prices of used sleds, my declared value is likely $2000 or more below what I'm seeing on Kijiji. Do I bother to change the value? How is TD coming up with a value on your sleds? It used the be Blue Book but I'm assuming it would be out of touch with what has happened in the market. what you can sell for does not always match the book value. I would leave it personally - when is the last time you wrote off a sled or it was stolen? Quote Link to comment Share on other sites More sharing options...
Turbo Doo Posted December 31, 2021 Share Posted December 31, 2021 40 minutes ago, Blackstar said: LOL...I just called TD today too. I had @Mrs Turbo Doo call.... 1 Quote Link to comment Share on other sites More sharing options...
Blackstar Posted December 31, 2021 Share Posted December 31, 2021 1 hour ago, stoney said: what you can sell for does not always match the book value. I would leave it personally - when is the last time you wrote off a sled or it was stolen? I talked with TD today but I didn't change it from what I had given them for a value 2 years ago which was $7000. There is no hope in hell I could buy another one for that if I had to. I'm seeing '15 Turbos advertised at $9-11k. Asking and selling are 2 different things. Regardless, if they gave me $6500 (minus my $500 deduct.) I'd be hard pressed to find anything in the used market suitable. I had one stolen 15 years ago. Pay out was good. They gave me more than I thought it was worth. I don't have collision coverage so I've never written one off. 🤪 Quote Link to comment Share on other sites More sharing options...
zoso Posted December 31, 2021 Share Posted December 31, 2021 I think we pay about 180 per sled with all state. 3 cars, 3 sleds 2 bikes, 2 trailers, and the home. All together it is getting a little steep. We got the kid a new car for Xmas so that added 2500 to the bill. Quote Link to comment Share on other sites More sharing options...
soupkids Posted December 31, 2021 Share Posted December 31, 2021 37 minutes ago, zoso said: I think we pay about 180 per sled with all state. 3 cars, 3 sleds 2 bikes, 2 trailers, and the home. All together it is getting a little steep. We got the kid a new car for Xmas so that added 2500 to the bill. I'm over 6k a year with all my stuff Quote Link to comment Share on other sites More sharing options...
stoney Posted October 28, 2022 Share Posted October 28, 2022 Just received new policy - same price as last year. Not going to complain or shop around.....good to go. 2 Quote Link to comment Share on other sites More sharing options...
Blackstar Posted October 28, 2022 Share Posted October 28, 2022 44 minutes ago, stoney said: Just received new policy - same price as last year. Not going to complain or shop around.....good to go. Same. Same. Thanks for reminding me to pay it. Was buried on my desk. 1 Quote Link to comment Share on other sites More sharing options...
Spiderman Posted October 28, 2022 Share Posted October 28, 2022 Just opened mine up - $360.00 - up $17.00. Paid/done. Quote Link to comment Share on other sites More sharing options...
stoney Posted October 26, 2023 Share Posted October 26, 2023 On 10/27/2022 at 8:50 PM, stoney said: Just received new policy - same price as last year. Not going to complain or shop around.....good to go. Another year, another policy - just received the mail and...........same price as last year. Sticking with status quo. Quote Link to comment Share on other sites More sharing options...
Spiderman Posted October 26, 2023 Share Posted October 26, 2023 29 minutes ago, stoney said: Another year, another policy - just received the mail and...........same price as last year. Sticking with status quo. Mine should be here shortly - we'll see what it says - but I suspect status quo. Quote Link to comment Share on other sites More sharing options...
scottyr Posted October 26, 2023 Share Posted October 26, 2023 My Desjardins Rep called me today and asked if I was renewing. I told her I didnt have my new sled but gave her the details. Quote came back the same as last year. No change in price. 1 Quote Link to comment Share on other sites More sharing options...
stoney Posted October 26, 2023 Share Posted October 26, 2023 So should we be happy with status quo or shouldn’t we deserve a reduction….lol Keeping the lights on during those cold slow winter seasons. Quote Link to comment Share on other sites More sharing options...
Blackstar Posted October 27, 2023 Share Posted October 27, 2023 Mine came last week. Unchanged from last 2 years. I haven't added the new sled yet. Quote Link to comment Share on other sites More sharing options...
wrightonalan Posted October 27, 2023 Share Posted October 27, 2023 11 hours ago, Blackstar said: Mine came last week. Unchanged from last 2 years. I haven't added the new sled yet. you need to add mach to avitar 2 Quote Link to comment Share on other sites More sharing options...
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