We have no choice ,even if a "Game Warden" stop to check us in the middle of nowhere he can charge us for riding without insurance in Ontario Canada.

 

I have a sportsman 450 and prairie 360 insured with Nationwide for $109.92 a year (have home and 4 trucks with them) this also includes 5x8 and 8x14 trailers.

liab 100,000 300,000 50,000 (same as on my trucks)

comp deductible $100
collision ded $500

live in VA

 

I have had two stolen and totaled one....luckily I had them insured and wouldn't think of not having it! I'm surprised anyone will actually insure me anymore! LOL! Bad history! I would check with your auto insurance carrier about whether or not they are covered when in tow....all companies vary and I know mine wouldn't cover them. Theft is the biggest worry of mine! Just made me realize no lock is perfect....if they want it, they'll get it!

 

$300/yr full coverage w/replacement for both $500 deductable

 

Yes ...Here in Ontario,Canada...........We NEED it to ride the trails ......But I would still have it anyway..............As for the paid off thing........What happens if the new and paid for?.
I still would not want to be out that money ..........

My two 2006 Sp 450's were just over $16000.00 incl. tax here Canadian Funds ($7200.00 each) So a small cost for insurance coverage is something I would not think twice about!!.........There no question in my mind!!.......Caper..........

 

I think many of the larger trail systems here in the US are also starting to require proof of insurance...If I'm not mistaken, Hatfield/McCoy requires an insurance card before you get your riding pass

 

Statefarm charges us about 110.00 per year for replacement insurance on Our Polaris

 

Unless you can just write a check for a new one, anytime you have anything that is gonna sting if you lose it, insure it. The more things you insure with one company the better it will be.

 

I include mine on my Farm and Ranch policy. It covers loss and damage plus it falls under my umbrella liability. It's just a few bucks a year.

 

I am not sure about ATV's but here in Maine on my sleds instead of getting each one its own policy I was able to put them under my Home Owners Policy for 65. per sled flat rate for 3x the coverage, I couldn't believe it, I was able to cover all 3 sleds for 3x the coverage that they wanted to charge me for just 1 sled with its own policy. Its well worth checking into for that amount of savings and added protection coverage.