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Post by DamnJeep on Aug 16, 2013 10:53:26 GMT -4
Need a good place for insurance on my buggy. My broker was recently bought out and no longer use the same insurance providers. So now my rates are going up.
Need choices. Who uses what?
I had RSA insurance before but now the company wants to switch me to the more expensive Johnson Insurance.
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Creepy
Administrator 
Dartmouth
Posts: 18,718
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Post by Creepy on Aug 16, 2013 10:57:02 GMT -4
My buggy stuff had to go thru Facility, which is the company used by all the insurance companies to insure high-risk drivers. All brokers have access to them. Don't know if that was just my broker saying that. She made it seem like no other choice, no matter what broker. But they all lie, so I don't know.
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rue
Jeeper
Buggy!
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Posts: 2,022
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Post by rue on Aug 16, 2013 17:25:41 GMT -4
Johnson won't insure my buggy, had to go to co- opators or something like that. I haven't insured my buggies in years. Waste of money!!!! I could see puttin insurance on a rig if we were aloud using the trail system that the 4 wheelers have, where there is more traffic.
You don't really think the insurance companies would cover u if something happened on the trails we run???
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Post by DamnJeep on Aug 16, 2013 20:33:49 GMT -4
Main reason for insurance is for transporting the buggy around. As soon as it goes on the trailer I get paranoid!
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rue
Jeeper
Buggy!
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Post by rue on Aug 16, 2013 20:43:53 GMT -4
Main reason for insurance is for transporting the buggy around. As soon as it goes on the trailer I get paranoid! Shouldn't the trucks insurance cover it when it's on the trailer? |
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skinypedalmasher
Jeeper
Secretary - North Nova
YJ..stock axles 35"Pitbull Rockers..305H.O motor...700R4..What will break first?
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Post by skinypedalmasher on Aug 16, 2013 22:22:44 GMT -4
Don't you need insurance to get it red plated? Like a 4wheeler?
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Post by DamnJeep on Aug 16, 2013 22:23:26 GMT -4
Sadly no. As it was explained to me by my old agent the trucks insurance covers the trailer and depending on what is on the trailer. If its building material, furniture or the like it is covered as long as its properly secured.
However if the cargo is the type the can carry its own insurance, like cars, 4 wheelers, trucks, buggies and stuff like that your truck insurance doesn't cover it. It has to have its own policy. Not sure if I explained that right.
So if I have no insurance on the buggy and anything happens as long as the buggy stays attached to the trailer all is good. But if it comes off and wrecks a bunch of stuff I have no coverage and have to pay for all damages and end up living in a box.
If it or any part if it falls of the trailer I have to pay for everything no coverage.
Quite the scam.
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rue
Jeeper
Buggy!
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Post by rue on Aug 17, 2013 7:21:34 GMT -4
Well that's quite a scam.
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Creepy
Administrator
Dartmouth
Posts: 18,718
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Post by Creepy on Aug 17, 2013 10:44:22 GMT -4
PLPD is required to run the buggy off your property. Provincial law. Its so if someone sues you for smashing their shit, or injuring them, you have coverage to pay them out, and the lawyers. Its insurance against being sued. Scam.
You can be charged just like having no insurance on your car, face that big fine, lose points off your licence, and when you go to renew your regular insurance, you have the charge there and you are now high risk, and your premiums triple. This is more important to consider than the fine. Scam.
As Rico explained the truck/trailer thing, is how I understand it as well. Buggy is under the tow rigs insurance on the trailer, being towed. If it comes off, its a separate entity.
In addition to that, any (blue plate) vehicle being towed that isn't in your name, is commercial work. Scam. You will not be covered towing your buddy's Jeep, by your tow vehicle insurance. I don't know about red plate stuff, since it would be common to travel with friends in one truck and have two sleds/ATV's on a trailer. Logic would say red plate buggy would have same rules as sled/atv. But there is no logic involved here, just scams.
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Post by 540rock on Aug 18, 2013 15:12:21 GMT -4
I have not ran insurance in 5 or 6 years. I pulled it when it jumped from 155.00 to just over 600 a year.
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Post by zukwatson on Aug 22, 2013 11:26:58 GMT -4
YEA SAME at home.if u have fire ins. n the buggys in the garage its not coverd because it itself can be insured.
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Post by DamnJeep on Aug 28, 2013 9:09:08 GMT -4
My buggy stuff had to go thru Facility, which is the company used by all the insurance companies to insure high-risk drivers. All brokers have access to them. Don't know if that was just my broker saying that. She made it seem like no other choice, no matter what broker. But they all lie, so I don't know. Did you have to get an appraisal done? I just tried with Eisenhauer and even though I had an existing policy with RSA they now want a written appraisal of the buggy. Even though there is no one around that can appraise buggies. SO no insurance for me it seems. What a ing joke. |
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Creepy
Administrator
Dartmouth
Posts: 18,718
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Post by Creepy on Aug 28, 2013 13:34:58 GMT -4
At the time, no I did not. The rules change a lot.
did you go to an appraisal guy? 1/2 them are gangsters and will write whatever the hell you want on the forms. Just pay them their fee, they write down what you tell them its worth. Call some.
We'll have to start an insurance co-operative. lol
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Creepy
Administrator
Dartmouth
Posts: 18,718
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Post by Creepy on Aug 29, 2013 3:08:17 GMT -4
a lurker friend sent me this: www.openskiesins.ca/ns/index.htmlVery interesting. 'dune buggies' Frig, got to looking around in there, this looks really promising. There are lots of brokers. in the FAQ's: - What is a third party liability?
This provides your legal liability. If you injure others (including your passenger) or damage their property, they can sue you; including defense cost. It is the only program that extends coverage up to $ 25,000 for sudden and accidental pollution.That's what you need to be legal off your property, and get a redplate. Then there is this: What about my trailer, is it insured?
Yes, a dedicated trailer or deck is automatically insured for the same coverage you have on your off road vehicle, up to a limit of $ 1,000. Higher limits can be purchased if needed. (see Rider Plus)My online quote was $130. there is a broker on Cole Harbour Rd. I think its the same place I had the CJ insured thru Facility. |
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Post by DamnJeep on Aug 29, 2013 8:44:45 GMT -4
a lurker friend sent me this: www.openskiesins.ca/ns/index.htmlVery interesting. 'dune buggies' Frig, got to looking around in there, this looks really promising. There are lots of brokers. in the FAQ's: - What is a third party liability?
This provides your legal liability. If you injure others (including your passenger) or damage their property, they can sue you; including defense cost. It is the only program that extends coverage up to $ 25,000 for sudden and accidental pollution.That's what you need to be legal off your property, and get a redplate. Then there is this: What about my trailer, is it insured?
Yes, a dedicated trailer or deck is automatically insured for the same coverage you have on your off road vehicle, up to a limit of $ 1,000. Higher limits can be purchased if needed. (see Rider Plus)My online quote was $130. there is a broker on Cole Harbour Rd. I think its the same place I had the CJ insured thru Facility. Double check with them. I was through facililty and was told they were the ones wanting the appraisal. However it could have been the lady who was helping me had no frickin idea how to insure an OHV. She even admitted she never saw one before so had to make some calls. In case anyone is interested I found another company to insure the buggy other than Facility. The broker is AD MacEachern in Tantallon and they use a company called Oasis (I think). Same rate as what Jan mentioned but cheaper than what I was paying through facility (used to pay 146). All nice and legal like again! |
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