Snow Mobile Insurance

Chris Craft · 02-10-2007, 09:21 PM

Anyone have any good ideas on who to use? My home owners is a no no they think. I just want liability nothing else.

Jon

Paugus Bay Resident · 02-11-2007, 09:39 AM

We've always had our sleds insured with State Farm (Mike Testa) in Laconia. Its a separate policy (comprehensive and liability) for each sled. We tie it (boat, house, etc) to a umbrella policy.

Grant · 02-11-2007, 10:16 AM

If you check the WCYC streaming cam this morning, you'll see some guys who obviously don't care about insurance -- they're "skimming" across the open water in front of the club. Amusing web cam sight #2,376,981...

secondcurve · 02-11-2007, 11:21 AM

Jon:

Very few insurance companies insure sleds. The one I use is Foremost Insurance Group, Grand Rapids, MI. I think Program Managers is the agent. They can be reached at 1-800-473-0111. I haven't put liability insurance on the sleds the past two years due to the lack of snow; if they don't leave the garage it's tough to get in trouble!

I think the tab for my two sleds was a little less than $500.00 combined, the last time I signed up. You should also consider an umbrella policy as well, they tend to run about $250.00 a million. Let me know how you do.

Rinkerguy · 02-11-2007, 06:33 PM

I have used Allstate for years

Off season, fire/theft runs +/- $75 for two sleds

In season Liability and collision runs $300 for the two sleds

Good luck

eye spy · 02-13-2007, 11:21 AM

Try Hurt & Forbes have motorcycle with them

MAXUM · 02-13-2007, 03:30 PM

I use state farm as well. Good thing is that they not only cover your sled in all 50 states (not that you'd use the thing in Florida) but they also cover you in Canada if you choose to go up there. You do have to ask them to send you a Canadian proof of insurance card. Coverage costs of course depend on what your riding, bigger motors in particular will cost more. Full coverage on my '04 2up 550 Poo sets me back $120 a year.

Chris Craft · 02-14-2007, 02:06 AM

Thanks for all the replies. I have Amica for my Auto's Home and vacation house. They wanted to drop my umbrella because of the boats but I convinced that that it was an acceptable risk (Especially since I did not go out last year even once!!

) I do not even want to ask them about the sled as it may toss up all kinds of other red flags. My concern is that who ever gets the sled is going to want everything..... I am VERY happy with Amica to date other then them wanting to drop me.... My father was driving my truck and got hit by a guy. Just based on a phone conversation that we had and a inspection of my truck they paid out the next day!! That is the good side of them....

Jon

DRH · 02-14-2007, 09:14 AM

Quote:

Originally Posted by Chris Craft

Thanks for all the replies. I have Amica for my Auto's Home and vacation house. They wanted to drop my umbrella because of the boats but I convinced that that it was an acceptable risk (Especially since I did not go out last year even once!!

) I do not even want to ask them about the sled as it may toss up all kinds of other red flags. My concern is that who ever gets the sled is going to want everything..... I am VERY happy with Amica to date other then them wanting to drop me.... My father was driving my truck and got hit by a guy. Just based on a phone conversation that we had and a inspection of my truck they paid out the next day!! That is the good side of them....

Jon

We have Amica too for all our coverage, except snowmobile insurance. Amica does not offer snowmobile insurance directly, but they are an agent for Progressive Insurance (a/k/a Drive Insurance). We got our snowmobile coverage from Progressive through Amica with no problem.

Chris Craft · 02-14-2007, 10:29 AM

Quote:

Originally Posted by DRH

We have Amica too for all our coverage, except snowmobile insurance. Amica does not offer snowmobile insurance directly, but they are an agent for Progressive Insurance (a/k/a Drive Insurance). We got our snowmobile coverage from Progressive through Amica with no problem.

So should I try and call Amica and tell them that Progressive does? I wonder if I could get Progressive to do the boat as well. I have the boat with Boat US now.

Jon

DRH · 02-14-2007, 02:21 PM

Quote:

Originally Posted by Chris Craft

So should I try and call Amica and tell them that Progressive does? I wonder if I could get Progressive to do the boat as well. I have the boat with Boat US now.

Jon

Sure, give Amica a call. The Amica representative I spoke with is the one who told me about their relationship with Progressive. The Amica rep. contacted a Progressive rep. on my behalf, and the Progressive rep. then emailed me directly. I provided all the information for our two snowmobiles (and trailer) to the Progressive rep. via email. The entire process was quite easy.

By the way, why not talk to the Amica rep. about your boat insurance too. We have our boat policy with them.

Chris Craft · 02-14-2007, 08:00 PM

I have asked them a few times about the boats. They say no way each time. To fast, to much HP for them. They were going to drop my umbrella just for having the boats

secondcurve · 02-15-2007, 07:06 AM

Can folks post some phone numbers for the various agents discussed above? It looks like I am paying too much for my $100,000 & $300,000 coverage.

DRH · 02-15-2007, 07:43 AM

Quote:

Originally Posted by secondcurve

Can folks post some phone numbers for the various agents discussed above? It looks like I am paying too much for my $100,000 & $300,000 coverage.

Amica's main phone number in Concord, NH is: 1-800-925-6422.

Chris Craft · 02-15-2007, 06:41 PM

I also highly recommend Amica. Their rates seem to be MUCH lower then others. When they said that they were going to drop me because of the boats and I started to look around I was amazed. I used the power of numbers with them and that helped. My parents, brothers, cousins....... all have their policies with them...

secondcurve · 02-16-2007, 09:34 AM

DRH:

Thanks for the lead on Amica. You saved me quite a few bucks. My quote from Foremost was just under $500.00 for two machines and Amica dropped that to $234.00 for the same coverage. THANKS!

DRH · 02-16-2007, 09:46 AM

Quote:

Originally Posted by secondcurve

DRH:

Thanks for the lead on Amica. You saved me quite a few bucks. My quote from Foremost was just under $500.00 for two machines and Amica dropped that to $234.00 for the same coverage. THANKS!

Glad it worked out for you. I am assuming that Amica referred you to Progressive Insurance for the sled insurance ... is that correct? Or is Amica writing snowmobile insurance directly now?

secondcurve · 02-16-2007, 09:51 AM

DRH:

You are correct, they sent me to Progressive. The $234.00 was for liability coverage only at $100,000 & $300,000 limits with $50,000 for personal property damage. I didn't take the medical coverage since everyone who will be riding the machines will have medical insurance. Thanks again.

DRH · 02-16-2007, 10:42 AM

Quote:

Originally Posted by secondcurve

DRH:

You are correct, they sent me to Progressive. The $234.00 was for liability coverage only at $100,000 & $300,000 limits with $50,000 for personal property damage. I didn't take the medical coverage since everyone who will be riding the machines will have medical insurance. Thanks again.

I checked our Progressive policy and we have $250,000/$500,000 liability with $100,000 personal property damage, for a total premium (2 sleds) of $258. So if you would like higher coverage limits the additional premium would be small.

secondcurve · 02-19-2007, 05:18 PM

DRH:

Thanks. I'll look in to the additional coverage, but the bottom line is that Progressive is much cheaper than Foremost.

Cow Man · 02-20-2007, 09:51 AM

The company is American Modern Insurance Group out of Cinci. They also do motorcycles, jet-skis, boats, clasic cars and camps (even on islands). Their local agent is Surplus Line Managers in Goffstown, NH 888-258-1776 and you can get them through most any independent agent as well. (They don't sell direct.)
Most of the carriers mentioned, Amica, Geico, etc., use these guys to "front" for them.

20mile · 02-21-2007, 09:53 PM

I had a little accident and crashed my sled into a tree. I called my insurance company the next day and they sent an adjuster out to view my damage the next day. He called me and agreed to the damage that I had reported. He then sent a check out that day to cover the cost for repairs.

I was delighted withthe service they provided and the professionalism of the adjuster. It really made a bad situation feel OK.

02-10-2007, 09:21 PM	#1
Chris Craft Senior Member Join Date: Feb 2007 Posts: 120 Thanks: 0 Thanked 0 Times in 0 Posts	Snow Mobile Insurance Anyone have any good ideas on who to use? My home owners is a no no they think. I just want liability nothing else. Jon

02-11-2007, 10:16 AM	#3
Grant Senior Member Join Date: Jul 2002 Location: Pennsyltuckey, Tuftonboro, Moultonborough Posts: 1,485 Thanks: 337 Thanked 212 Times in 116 Posts	If you check the WCYC streaming cam this morning, you'll see some guys who obviously don't care about insurance -- they're "skimming" across the open water in front of the club. Amusing web cam sight #2,376,981... __________________ "When I die, please don't let my wife sell my dive gear for what I told her I paid for it."

02-11-2007, 06:33 PM	#5
Rinkerguy Senior Member Join Date: Oct 2006 Posts: 121 Thanks: 0 Thanked 33 Times in 24 Posts	Snowmobile Insurance I have used Allstate for years Off season, fire/theft runs +/- $75 for two sleds In season Liability and collision runs $300 for the two sleds Good luck

02-20-2007, 09:51 AM	#21
Cow Man Member Join Date: Feb 2006 Location: Cow Island / Holderness, NH Posts: 46 Thanks: 4 Thanked 19 Times in 8 Posts	Snowmobile Insurance The company is American Modern Insurance Group out of Cinci. They also do motorcycles, jet-skis, boats, clasic cars and camps (even on islands). Their local agent is Surplus Line Managers in Goffstown, NH 888-258-1776 and you can get them through most any independent agent as well. (They don't sell direct.) Most of the carriers mentioned, Amica, Geico, etc., use these guys to "front" for them.

02-21-2007, 09:53 PM	#22
20mile Senior Member Join Date: Feb 2004 Location: 20 mile bay Posts: 87 Thanks: 0 Thanked 15 Times in 12 Posts	Progressive Drive Insurance "Great service" I had a little accident and crashed my sled into a tree. I called my insurance company the next day and they sent an adjuster out to view my damage the next day. He called me and agreed to the damage that I had reported. He then sent a check out that day to cover the cost for repairs. I was delighted withthe service they provided and the professionalism of the adjuster. It really made a bad situation feel OK.

02-11-2007, 09:39 AM	#2
Paugus Bay Resident Senior Member Join Date: Sep 2003 Location: Gilmanton, NH Posts: 754 Thanks: 136 Thanked 92 Times in 51 Posts	We've always had our sleds insured with State Farm (Mike Testa) in Laconia. Its a separate policy (comprehensive and liability) for each sled. We tie it (boat, house, etc) to a umbrella policy.

02-11-2007, 11:21 AM	#4
secondcurve Senior Member Join Date: Jan 2005 Posts: 2,084 Thanks: 1,267 Thanked 557 Times in 286 Posts	Jon: Very few insurance companies insure sleds. The one I use is Foremost Insurance Group, Grand Rapids, MI. I think Program Managers is the agent. They can be reached at 1-800-473-0111. I haven't put liability insurance on the sleds the past two years due to the lack of snow; if they don't leave the garage it's tough to get in trouble! I think the tab for my two sleds was a little less than $500.00 combined, the last time I signed up. You should also consider an umbrella policy as well, they tend to run about $250.00 a million. Let me know how you do.

02-13-2007, 11:21 AM	#6
eye spy Junior Member Join Date: Dec 2006 Posts: 15 Thanks: 0 Thanked 0 Times in 0 Posts	Try Hurt & Forbes have motorcycle with them

02-13-2007, 03:30 PM	#7
MAXUM Senior Member Join Date: Apr 2004 Location: Kuna ID Posts: 2,755 Thanks: 246 Thanked 1,942 Times in 802 Posts	I use state farm as well. Good thing is that they not only cover your sled in all 50 states (not that you'd use the thing in Florida) but they also cover you in Canada if you choose to go up there. You do have to ask them to send you a Canadian proof of insurance card. Coverage costs of course depend on what your riding, bigger motors in particular will cost more. Full coverage on my '04 2up 550 Poo sets me back $120 a year.

02-14-2007, 02:06 AM	#8
Chris Craft Senior Member Join Date: Feb 2007 Posts: 120 Thanks: 0 Thanked 0 Times in 0 Posts	Thanks for all the replies. I have Amica for my Auto's Home and vacation house. They wanted to drop my umbrella because of the boats but I convinced that that it was an acceptable risk (Especially since I did not go out last year even once!! ) I do not even want to ask them about the sled as it may toss up all kinds of other red flags. My concern is that who ever gets the sled is going to want everything..... I am VERY happy with Amica to date other then them wanting to drop me.... My father was driving my truck and got hit by a guy. Just based on a phone conversation that we had and a inspection of my truck they paid out the next day!! That is the good side of them.... Jon

02-14-2007, 08:00 PM	#12
Chris Craft Senior Member Join Date: Feb 2007 Posts: 120 Thanks: 0 Thanked 0 Times in 0 Posts	I have asked them a few times about the boats. They say no way each time. To fast, to much HP for them. They were going to drop my umbrella just for having the boats

02-15-2007, 07:06 AM	#13
secondcurve Senior Member Join Date: Jan 2005 Posts: 2,084 Thanks: 1,267 Thanked 557 Times in 286 Posts	Can folks post some phone numbers for the various agents discussed above? It looks like I am paying too much for my $100,000 & $300,000 coverage.

02-15-2007, 06:41 PM	#15
Chris Craft Senior Member Join Date: Feb 2007 Posts: 120 Thanks: 0 Thanked 0 Times in 0 Posts	I also highly recommend Amica. Their rates seem to be MUCH lower then others. When they said that they were going to drop me because of the boats and I started to look around I was amazed. I used the power of numbers with them and that helped. My parents, brothers, cousins....... all have their policies with them...

02-16-2007, 09:34 AM	#16
secondcurve Senior Member Join Date: Jan 2005 Posts: 2,084 Thanks: 1,267 Thanked 557 Times in 286 Posts	DRH: Thanks for the lead on Amica. You saved me quite a few bucks. My quote from Foremost was just under $500.00 for two machines and Amica dropped that to $234.00 for the same coverage. THANKS!

02-16-2007, 09:51 AM	#18
secondcurve Senior Member Join Date: Jan 2005 Posts: 2,084 Thanks: 1,267 Thanked 557 Times in 286 Posts	DRH: You are correct, they sent me to Progressive. The $234.00 was for liability coverage only at $100,000 & $300,000 limits with $50,000 for personal property damage. I didn't take the medical coverage since everyone who will be riding the machines will have medical insurance. Thanks again.

02-19-2007, 05:18 PM	#20
secondcurve Senior Member Join Date: Jan 2005 Posts: 2,084 Thanks: 1,267 Thanked 557 Times in 286 Posts	DRH: Thanks. I'll look in to the additional coverage, but the bottom line is that Progressive is much cheaper than Foremost.