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Protective Gear.

Every time you ride, be sure to wear protective gear in case of an accident, and to keep you warm when you're out in wintry weather. Wear layers of clothing so you can add or remove layers depending on the weather conditions. A safety-certified helmet, warm gloves or mittens, a windproof outer layer and warm boots are your best bet for optimum protection.Snowmobile Insurance, investments, bonds, stocks, insurance insurance policies, free insurance quotes.

Think ahead.

Plan for whatever could happen. Carry your owner's manual, an extra belt, extra spark plugs, a tow rope, a small tool kit, spare parts, a flashlight, a first-aid kit and a few survival items such as a space blanket, waterproof matches and a compass.Snowmobile Insurance, investments, bonds, stocks, insurance insurance policies, free insurance quotes.

Check it out.

Be sure to check that your snowmobile is running properly before hitting the trail. Check your owner's manual and your dealer to make sure that your machine is in top shape before you head out. Follow the recommended service schedule for your snowmobile and be sure to have all repairs made by an authorized service provider.

On the Trail
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Tread lightly.

Stay safe and legal within the areas you're permitted to ride. And respect nature. Wait for enough snow to cover vegetation so you don't destroy it, avoid running over trees and shrubs and don't disturb any wildlife that you might come across.Snowmobile Insurance, investments, bonds, stocks, insurance insurance policies, free insurance quotes.

Maintain control.
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When riding, it is very important to maintain a speed that's right for the conditions and your experience. Be aware of current terrain, visibility and weather conditions. Always be alert, and scan your surroundings for potential hazards or obstacles.Snowmobile Insurance, investments, bonds, stocks, insurance insurance policies, free insurance quotes.

Take a friend.

Don't snowmobile alone. It's more fun - and safer - to take a friend along.Snowmobile Insurance, investments, bonds, stocks, insurance insurance policies, free insurance quotes.

Take care.

Be careful when crossing roads of any kind. Make sure that you stop completely and that no traffic is approaching from any direction. Remember basic hand signals to indicate to other drivers that you are turning. Be extra careful at night or in low-light conditions. Use your headlight.Snowmobile Insurance, investments, bonds, stocks, insurance insurance policies, free insurance quotes.

Beware of water.

The safest rule of thumb when snowmobiling is never to cross over a frozen lake, pond or stream. You run the risk of breaking through the ice, and starting, stopping and turning are more difficult due to less traction. Drowning is a leading cause of snowmobile fatalities, so if you're going to snowmobile on ice, make absolutely sure the ice is safely frozen. Consider buying a buoyant snowmobile suit.Snowmobile Insurance, investments, bonds, stocks, insurance insurance policies, free insurance quotes.

 

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Snowmobilehome insurance life insurance aut"Insurance threatens snowmobiling yet again" and "Liability insurance jumps by more than 50%" Snomobilers are looking toward the provincial government to resolve the liability insurance crisis. The increase in premiums stems from a fear of liability lawsuits. Responsible participants in the winter activity are pointing the finger at those quick to sue after accidents and site the litigation as reassigning blame to organizations rather than taking personal responsibility for their actions. Without limits on insurance premiums, there is a fear that participation in the sport will become impossible.The increase in libility insurance has hit organizations hard. The OFSC's insurance has increased 1.2 million. The OFSC is not alone. Many ohter organizations are suffering from high insurance if they can get any at all. There are fewer insurers willing to accecpt trail liability accounts. The insurance problem is snowballing into other fees. Predictions for next years permit price are being declared dependent on the price of insurance premiums as the added revenue is needed to cover off the cost of the insurance. .Power limits and age restrictions are also new additions to the insurance companies agreements. Tickets, accidents and previous claims will be factors included in the increase of insurance premiums and deductibles. o insurance life insurace assurance home insurance life insurance auto insurance life insurace assurance HE ALBERTABILEASSOCIATIONLOOKING FOR A BETTER WAY TO PROTECT YOUR ASSETS?Drayden Insurance Ltd. has developed a program exclusively for members of the Alberta Snowmobile Association. ASA SNOWMOBILE HIGHLIGHTSStand Alone PolicyNo requirement to insure other vehicles with Drayden. VAILABLE OPTIONS:New snowmobiles insured purchase valueInsures purchase price on new snowmobiles for 24 months with no depreciation. Guaranteed Insured Value With AppraisalAppraisal of snowmobile guarantees its stated, Insured value. Loss of Use CoverageProvides a rental if loss is due to an insured peril. ASA PROPERTY HIGHLIGHTSGroup Rates Reduced deductible on snowmobile accessories No service charge on Monthly PaymentsAdditional discounts available ASA AUTO HIGHTLIGHTSGroup Rates No service charge on monthly payments Additional discounts available ADDITIONAL COVERAGES AVAILABLELoss of use – sef 20 Auto rental coverage – sef 27 Limited waiver of depreciation – sef 43R *All policies are subject to rating criteriaJuly, 1999GI implements changes to snowmobile insurance coverageWhen it comes time to insure your snowmobile with SGI this year — you’ll notice a change. Effective Aug. 1, 1999, the Auto Fund will provide only liability coverage with a snowmobile licence plate. Vehicle damage insurance and personal injury coverage will be removed. "The change is necessary to deal with high losses on snowmobiles in recent years," said Alan Cockman, Vice President, SGI Auto Fund. "The Auto Fund has been paying close to $3 in claims for every dollar of premiums taken in. Basically, other motorists have been subsidizing the snowmobile class. The move to liability-only coverage will enhance fairness in the Auto Fund."Snowmobiles are the only off-road vehicles registered with the Auto Fund. Rather than remove snowmobiles from the vehicle registration system, SGI decided to continue registering them while providing liability-only coverage, which will remain at $200,000. Consultations with groups like the Saskatchewan Snowmobile Association showed the need to continue providing this coverage because of the extensive use of provincial trails by snowmobilers.The insurance premium for liability-only coverage will be $95 annually for a snowmobile with an engine capacity of 450 cc or less, and $131 annually for a machine over 450 cc. Current snowmobile premiums range from $95 to $522 for all licence plate insurance coverages. The registration fee will remain at $9 per year."The change was initially announced in May 1998, giving snowmobile owners a full year to make alternate arrangements for the damage and personal injury coverage that will no longer be provided by the Auto Fund," Cockman said. "By making the change during the off-season, we’re hoping to limit the impact on snowmobile registrants."Snowmobile owners should not assume the coverage change means other insurance isn’t necessary. Physical damage and additional liability coverage will still be available from other insurance companies, including SGI CANADA. Personal injury coverage will be available from life insurers.Snowmobile owners anting Snowmobile Insurance Oneida County Executive Ralph J. Eannace, Jr. and several County legislators, led by Legislator Ronald Conover (R-12) today announced a proposal for the county to assist the eleven snowmobile clubs across Oneida County in paying for rapidly increasing liability insurance premiums."Oneida County's over 500 miles of snowmobile trails need to be readied for the upcoming season," Eannace said. "These trails are made possible only because of the community spirit of private landowners and the volunteers who prepare and groom these trails. The explosion in liability insurance costs this year threatens the existence of trails here and around the state for local residents and tourists alike."C. Lee Hinkleman, President of the Oneida County Area Snowmobile Association, Inc., said the snowmobile clubs had no advanced warning of the dramatic increases in insurance costs until they applied for insurance several weeks ago. "Fewer and fewer insurance companies are willing to write this insurance," Hinkleman said, "and those that will provide coverage have hiked their rates substantially. The eleven clubs in Oneida County are faced with increases totaling almost $45,000."Eannace noted that the State has increased New York fees this year to help with other problems of trail development and maintenance, and that he has discussed other state help earlier this week with Commissioner Bernadette Castro of the Office of Parks and Recreation and other state officials."The Oneida County Convention and Visitors Bureau says our county receives a $20 million economic impact from winter recreation," Eannace said, "and in addition to the 8,700 registered snowmobiles here in the county, there are thousands of people who come here every winter to ride our great trail system. The ripple effects of empty trails would be devastating. We would jeopardize our economy at a time when the small business people such as snowmobile dealers, restaurants, motels and other retail businesses can least afford it. This is also a necessary investment for our local economy and our tax payers since less than a $30,000.00 investment this year will prevent the potential loss of over $200,000.00 in sales tax".County Legislator Ronald Conover (R-12), is the lead sponsor of legislation that will allow the transfer of funds from the Board of Legislators' contingency fund. "This legislative initiative which is being advanced by myself and my colleagues is intended to send a very clear message that Oneida County's trails will be open for business this winter season," Conover said. "Our economy, our business community and our visitors deserve nothing less."County Legislator Brian Miga (R-9) is a prime co-sponsor of the legislation. "I have read the studies which clearly demonstrate the benefits of snowmobiling to our area," Miga said, "and this legislation is a wise investment to support a key component of our economy. I strongly support the snowmobile clubs that make this great winter activity ossible."annace said one-third of the funding will be returned to the county from the reimbursement the clubs receive for snowmobile registration .Eannace said he is hoping the state will take action in the coming year to avoid a similar situation next year. "I am talking with State officials about pursuing legislation similar to liability legislation that was passed relating to downhill ski areas. Only by that type of action can we avoid these dramatic increases that could damage our winter recreation economy."

 

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