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Discussion Starter · #1 ·
Hi,
I have a new MXZ 500 ss Adr and at this point I just have liability and not full coverage I got quoted $280.00 for the resr of the season and I'm debating on taking it out ( with ins we bet that we are going to have a problem) I also am debating on the extended waranty ( another $250.00) do most of you guys carry full coverage and is it worth it.
Thank You
Charlie ( Mendon VT)
 

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I carry liability and comprehensive. Comprehensive covers fire, theft vandalism and when the sled is being transported in the trailer. Collision is a lot of money and I'm counting on keeping it out of the trees (10 years and nothing close to a collision). I figure I have a greater risk of damage on the roads and highways when you get suck out on the roads in a snow storm.
 

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Shortbus, who do you have for insurance. I just got full coverage quote and it was $480.

Right now I am running comp and liability only....but if I could score a policy for $250 with full then I would get that. Yes I have a perfect driving record so that's not it.
 

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Full Coverage Here, worth the 300.00 bucks a year IMO
 

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Full coverage with REPLACEMENT VALUE not blue book (very important). About $380 per year, per sled. Didn't make a difference that I am riding an 800, wife a 500 and son a 380.

No, I don't have loans on the sleds. I just feel for the money ($30 per month) it just makes since. I don't want to worry about anything I just want to ride.


Metropolitan is the insurance company.
 

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Full coverage on 500ss through State Farm for $230. Well worth it.
 

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I have full coverage on my 800 rev $ 400 bucks and it is worth every penny. Peace of mind... too many idiots rippin around blind corners... "know when to squeeze" I always say...
 

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Discussion Starter · #12 ·
charlie said:
Hi,
I have a new MXZ 500 ss Adr and at this point I just have liability and not full coverage I got quoted $280.00 for the resr of the season and I'm debating on taking it out ( with ins we bet that we are going to have a problem) I also am debating on the extended waranty ( another $250.00) do most of you guys carry full coverage and is it worth it.
Thank You
Charlie ( Mendon VT)
[snapback]309123[/snapback]​
Thank you all for the input before I go riding in about two hours I'm going to get it .
Thank You
Charlie
 

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Looking at the responses, all from the U.S where insurance rates are obviously very low. If I could get full coverage for $250 buck, I would definitely buy it too.

For $250, what is your deductible ?
I've never heard of replacement coverage on a sled, is that for 30 months, like on a new car ?

Collision would add another $400 / year for something I ride in control and on uncrowded trails for 4000-5000 km (2500-3100 miles) / season (but not this year). Value of sled for insurance purposes $15,000 Cdn. Full coverage (~$700) would cost as much as my $35,000 van which sees 10 x the miles/yr and 365 days verses a very short snow season.

An actual collision on a sled might be a few thousand $$ in repair with a $1000 deductible, perhaps a tunnel/frame replacement (local shop is fixing frames when people hit trees up by A-arms and bend frames), some plastic, A-arms. If the sled is a total write-off, chance are I won't be needing a sled anytime soon.
 

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Full coverage on my 04 500ss is $183 through allstate. I plan on keeping this sled for at least 5 more years but will probably get rid of the full coverage in about 2 yrs.
 

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Full Coverage for me , sled paid in cash, but when we go sleding and i park my sled at nite i sleep well, if its not there when we get up o well not my problem i get a new one , jmo
 

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Yup full, don't know how much i was paying...$30 more a payment over the loan...better to have it and not need it then need it and not have it.
 
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