Snowmobiles
There are 4 coverages, similar to car insurance, available for snowmobiles.
1. LIABILITY - Covers third parties for injury or damage to themselves or their machines.
2. COLLISION - Covers damage to your machine itself, based on declared value. Declared value should be the current market value of the vehicle including taxes, and the depreciated value (not the purchased price of the vehicle's permanently attached equipment.
3. SPECIFIED PERILS - covers fire, lightning, theft, windstorm, earthquake, hail, explosion, riot, civil commotion, falling or forced landing of an aircraft, collision of a conveyance (or trailer) transporting your machine.
4. COMPREHENSIVE - Which covers all that specified perils covers, but adds in vandalism coverage for about twice the price.
Mostly, people purchase collision and specified perils. Although, liability coverage could be important if you ever let someone else (a third party) ride your machine.
The price of comprehensive including the vandalism coverage, persuades most people to go without it.
Coverage is available on an IN USE basis for as many months as you need, as well as STORAGE for the remaining months. The rates for storage are almost half the cost of in use.
Four Wheelers
IN USE COVERAGE
This coverage is provided for off highway pleasure use only.
The most common coverage chosen for four wheelers is 1) Specified Perils which gives you only the following coverages:
- Fire
- Theft (except by employee or member of your household)/li>
- Lightning/li>
- Windstorm/li>
- Earthquake/li>
- Hail/li>
- Explosion/li>
- Riot/li>
- Civil Commotion/li>
- Falling or Forced Landing of an aircraft/li>
Other coverages available are similar to those purchased for highway motorcycles, but the coverages for four wheelers is again only for off highway use.
2) Collision
3) Liability
Collision insurance pays to repair or replace your four wheeler if it is damaged as a result of upset or a collision with another vehicle, a person, or an object, including the ground or impact with an object on or in the ground. Collision coverage will also apply while you trailer or transport your machine if you buy this coverage.
If your four wheeler can't be repaired, coverage is for it's Declared Value. You will be asked for it's declared value at the time you by a policy.
The declared value should be the current market value of the four wheeler, including taxes, and the depreciated value (not the purchase price) of the four wheeler's permanently attached equipment.
Although collision covers your four wheeler if you collide with another vehicle, the coverage does not cover that other person's vehicle or four wheeler.
Liability covers personal injury or property damage to someone else or someone else's four wheeler or machine. You can also be fined if you are found on a forest service road without liability coverage.
STORAGE COVERAGE
When you buy a storage policy for your four wheeler, you would usually only require Specified Perils coverage. Specified perils for storage would cover all that is listed above as well as collision while you trailered or transported your four wheeler if you were moving or taking it down to be worked on. Storage coverage costs about a third of what in use coverage costs.
Call or E-mail us for a quote! In use or storage!
Camping
If you enjoy camping with your family, here is checklist that you might want to have. As big as it seems, everything will be useful at one time or another.
Emergency box:
- flashlights with batteries.
- headlamps - a flashlight that straps to your head. Very useful if you are cooking at night or have to take a small "nature" walk in the dark.
- wooden matches and a lighter.
- battery powered radio.
- basic tools - such as a Phillips head and flat tip screwdriver, hammer, knife and car tools and manual... just in case.
- a fire extinguisher.
- a first aid kit.
- a sewing kit.
- duct tape - it can almost fix anything!!!
- dish soap
- rope - make sure that is weather proof.
- Swiss army knife or something comparable.
- machete - great for cutting branches into firewood or trimming up a camp site.
- trash bags
Toiletries:
- toothpaste
- toothbrushes
- dental floss
- mouthwash and mints
- shampoo
- a metal mirror
- baby wipes--great for faces and hands
- toilet paper
- quarters for showers
- combs and brushes
- hand soap
- sun screen
- bug repellent
- skin lotion
- tweezers
- aspirin, tylenol or some kind of pain reliever
- children's tylenol
- thermometer
- fingernail clippers
- anti-perspirant
- lip balm
- spares of all your prescription medicines
Gear:
- a tent
- a ground cloth or tarp
- tent carpet
- sleeping bags
- fleece sleeping bag liner
- a canteen
- blankets
- inflatable cushions
- pillows
- camping lanterns
- candle lanterns
- camp stove
- propane grill
- charcoal and lighter fluid
- long handle pick axe
- solar powered aa battery recharger
- cooler
- baby backpack
- stroller
- backpacks for the kids
- chairs
- toys
The glove box:
- car registration - is it renewed or will it need to be while you are gone/
- car insurance information - especially if you are planning on leaving the country.
- travelers cheque receipts
- camera and film
- wallet
- drivers license
- your trip aaa card
- checkbook
- credit cards and bank cards
- money
- maps
The food bin
- paper plates - twice as many as you think you need
- can opener
- silverware
- napkins or paper towels
- toothpicks
- coffee supplies and equipment
- condiments
- aluminum foil
- cooking utensils
- bottled water
- lots of snacks
Clothing:
- a good hat
- multi-pocket vest
- sports sandals
- comfortable wear - sweat suit
- rain jackets
- swim suits
- bring clothing that will accommodate any weather type
Motorcycles
Coverages available are:
- Liability
- Collision
- Specified Perils or Comprehensive
1. Liability
Because of a motorcycle's small size, it's difficult for drivers to see you and to judge the speed at which you are approaching. If you carry a passenger, you should consider the following liability options:
$200,000 is the basic limit of liability you have to have.
Based on motorcycles over 1150 cc...
$500,000 liability coverage if you are a Roadstar and purchase a six month policy, is only about $34.00 extra.
$1,000,000 would only be about $112.00 extra.
2. Collision
This coverage is available with a $200, $300, $500 or $1,000 deductible and is based on the declared value of the bike.
Declared Value...
The declared value should be the current market value of the vehicle, including taxes, and the depreciated value (not the purchase price) of the vehicleÕs permanently attached equipment.
ItÕs a good idea to review the declared value of your vehicle at least twice a year. Supply and demand, inflationary trends and the economy can alter your vehicleÕs market value. The value of your vehicle may also change if you attach equipment or remove it from your vehicle.
3. A Specified Perils
This form of insurance provides specific coverage only against Fire, Lightning, Theft, Windstorm, earthquake, Hail, Explosion, Riot, Civil Commotion, Falling or forced landing of an aircraft, or the stranding, sinking, burning, derailment, or collision of a conveyance transporting the vehicle on land or water.
3. B Comprehensive
Covers all that specified perils covers but adds in Vandalism, Malicious mischief, and impact with animals, missiles, falling, or flying objects.
*Both Specified Perils and Comprehensive are based on declared value. Call or E-mail us for a quote today!
Recreational Vehicles
For travel trailers, 5th wheels, and campers, there are 2 options.
1. Private insurance coverage:
We have a private insurance company, other than the ICBC insurance we issue your plates through, that insures these recreational vehicles. The policy is a year round one, covering for in use and in storage. These policies are usually a little more expensive, but offer replacement cost coverage. In the event of a total loss, replacement cost coverage means replacing your unit with the most current available model of the same unit with similar equipment and options.
2. ICBC:
ICBC will insure you for while you use your unit, but if you purchase the plates with ICBC for one year, you have to cancel the plates to get a refund. Then you would have to purchase a separate storage policy. You would have to re-purchase plates the next spring. The best choice for this coverage is to buy the plates only for the months you will need it, and when the plates run out, buy the storage coverage for the winter. ICBC only offers actual cash value coverage, not replacement cost.
