I always run collision insurance.   Not because I am worrying about crashing my sled but I had a buddy get into a car accident and his trailer flipped over and smashed his sled up pretty bad.     He was surprised when he found out that comp coverage doesn’t cover that.    It’s a collision claim.      His sled was written off with the trailer.  

Ya, but driving down a trail that does not always fit two sleds, sometimes at high rates of speeds, I’d imagine assigning fault could get tricky.  I trust my skills as well, but that might not always work in my favour.  I also figured trailering my sled in not ideal conditions being winter and all, chances of a roadside accident, either my fault or others, was also a good probability.    I think adding collision has been somewhere in 2 hundred dollar range per year, so for me, always seemed reasonable to keep it for the added “insurance”, but I also get why some choose not too. 

Collision is only for you being at fault, nothing else.   when you have sled worth 4000, with a 1,000 deductible, I am not going to pay 750.00 for no more than 3k worth of coverage for a loss that is my fault.    I’ll take my chances and trust my own skills.   now being on a new sled, the dice are put away and collision it is. 🙂

I’m around mid 6’s with full pop at TD - been basically the same price since new.    I’ve never not had full coverage either - too risky and hard to assign blame on the trails, and for trailering reasons too should an accident occur. 

$750-$850 for a new 850cc sled is the norm.    I pay $824 for my 26 MXZ850 with full coverage and $2M liability with Desjardins.