Sometimes it comes down to the insurance agent just not knowing.. BC just introduced atv registration a few years ago. Even though all agents had the same training they all came out with a different idea on what you needed. they under insured, over insured, even told people they didn't need it. Heck i still have a buddy that is paying replacement cost insurance on his ATV that is a few years over the limit for replacement. They even tried renewing my replacement on my atv this year. Until i questioned them saying i still get replacement on a 4 year old machine. They told me yes ntill i pointed out the policy stated it expires after 2 years and technically they owe me a refund for the previous year

 

ya gotta read that small print!!!