Think your truck is covered on ice? Maybe not.

[bloopbloob]

So I have comprehensive insurance through TD on my truck, figured I'd call to see if I would be covered. Was on and off hold for about 30 minutes before I got the real answer. Asked them, if I drive my truck out onto a lake to go ice fishing, would I be covered if it fell though? Got put on hold. Comes back to tell me yes, I would be covered. I asked if recovery fees would be covered, he said he doubted it. So I said, you're sure I'd be covered? He said yes, I was covered for sinking. So I said "You're sure?, because I've heard some people were told they're covered if on an engineered ice road, but not if they go off road driving onto a lake." So, got put back on hold for 10 minutes, so he could check with a manager. Comes back, guess what I AM NOT COVERED. The sinking part of my comprehensive only covers when being transported by another vehicle, such as a barge.

Just a heads up to all that think they may be covered, maybe call and probe a little deeper to make sure.

[Redfrog]

I'm covered under collision.

[bloopbloob]

I'm covered under collision.

I have full coverage on my 2011 Ram Sport, minus glass. Collision?

[CanadianBadass]

So I have comprehensive insurance through TD on my truck, figured I'd call to see if I would be covered. Was on and off hold for about 30 minutes before I got the real answer. Asked them, if I drive my truck out onto a lake to go ice fishing, would I be covered if it fell though? Got put on hold. Comes back to tell me yes, I would be covered. I asked if recovery fees would be covered, he said he doubted it. So I said, you're sure I'd be covered? He said yes, I was covered for sinking. So I said "You're sure?, because I've heard some people were told they're covered if on an engineered ice road, but not if they go off road driving onto a lake." So, got put back on hold for 10 minutes, so he could check with a manager. Comes back, guess what I AM NOT COVERED. The sinking part of my comprehensive only covers when being transported by another vehicle, such as a barge.

Just a heads up to all that think they may be covered, maybe call and probe a little deeper to make sure.

this is also what mine said

1) - Only if on a Structured Ice road ( NWT Ice Road kinda thing )
2) - My Vehicle is not intended for Off Road Use ( 2011 Dodge Caravan )


That's pretty much what my insurance said today , My vehicles Intended use is not for Off Road Use . So I imagine if you had a 4x4.....

you know how when you get insurance , they ask about how many rough kilometers you will use a year , your daily travel distance and what your intended uses are for your vehicle, and at that point if you said I drive on ice and off road, they may adjust your plan for this....

However, I am not covered if I go thru !

Intact Insurance is my provider !

[Tigger72]

So who else has TD insurance and has called... just curious .... As to how many different answers and if I anyone can get it in writing??

[bloopbloob]

this is also what mine said

1) - Only if on a Structured Ice road ( NWT Ice Road kinda thing )
2) - My Vehicle is not intended for Off Road Use ( 2011 Dodge Caravan )


That's pretty much what my insurance said today , My vehicles Intended use is not for Off Road Use . So I imagine if you had a 4x4.....

you know how when you get insurance , they ask about how many rough kilometers you will use a year , your daily travel distance and what your intended uses are for your vehicle, and at that point if you said I drive on ice and off road, they may adjust your plan for this....

However, I am not covered if I go thru !

Intact Insurance is my provider !

My truck is a 4x4. Basically I'm posting this because I had to ask a lot of questions even after being told yes I was covered, to find out that in fact, I would not be covered if I broke through going ice fishing. Just got off the phone with TD insurance about 15 minutes ago. Oh, I also asked if there was something I could add to my policy to cover me for ice fishing, and the answer was no.

[mooseknuckle]

Yep be carefully people. Be clear with your insurance people. They didn't profit 4 billion last year cuz they payed out in every claim.

My insurance outfit asked about 4 X 4 and they also wanted to know my knowledge and how long I've been ice fishing.

Had to edit. Sorry but been answering several pm about insurance coverage. The person I know that went through this "truck through the ice" stuff.

He was with Allstate in 2004 when I t happened

The recovery outfit hired to get the vehicle out had to do some paper work with the insurance company. They were asked to explain the conditions of the ice. I believe through Alberta transport safety act? Anyways if he had driven on 6" ice or something we all know to be stupid he likely would have been denied the claim, however the recovery company put in writing that point of entry and most spots were 18-20" of Ice (deemed safe for vehicle) and yet be hit a soft spot or bad luck I guess. And therefore was covered fully! Of course he had FULL coverage and did have to pay $500 deductable.

[CanadianBadass]

My truck is a 4x4. Basically I'm posting this because I had to ask a lot of questions even after being told yes I was covered, to find out that in fact, I would not be covered if I broke through going ice fishing. Just got off the phone with TD insurance about 15 minutes ago. Oh, I also asked if there was something I could add to my policy to cover me for ice fishing, and the answer was no.

I didnt think u could pay more either, they only said if its my vehicles intended use to drive on ice they would cover it, like a semi truck driver that knows he will be driving on ice has to pay ...... ? I wish i had good friends in this department lol

[Game Hunter]

So who else has TD insurance and has called... just curious .... As to how many different answers and if I anyone can get it in writing??

I'm with meloche monnex Td insurance.
They stated both my vehicles were insured 4x4 truck, and car.
The only thing not covered was environmental fees, and fishing gear which is under house insurance. My quad which is under bare minimal coverage also isn't covered on or off the truck on ice. What's the cost of environmental fees anyways?

[Graffy91]

I'm with intact, I have a 2003 fx4 level 2 ranger and I am not covered. Even though my vehicles intended purpose is offroading.

I asked, I was told in no way shape or form risking my own integrity and safety by driving my vehicle on the ice under any circumstances would I be covered. No matter what coverage, deductible, anything. They stated most insurance companies DO NOT offer any form of coverage for driving on to lakes, unless it is an actual ice road.

[Adwittoutdoors]

After reading these posts I decided to look into my insurance ( Morgex ). Well after asking a few questions I was told yes I would be covered if I went through. I also would be covered for the salvage of the vehicle. I then asked for a email and WRITTEN letter as well. My agent agreed no problem. I'm still skeptical though. I'm going to wait for the letter first I think. Insurance companies don't get rich by throwing there ( our ) money away. Side note as well , I called AMA and asked if they would tow me out if I had gotten stuck on a lake. Nope you have to be on a publicly maintained road. Glad I made the call. Might just walk out I'm thinking and save myself the hassle. Great post by the way. :)

[-JR-]

If your insurance says yes ,get them to fax it to you.
Been told yes before and when it came to collect they ask who told you that.

[bloopbloob]

I'm with meloche monnex Td insurance.
They stated both my vehicles were insured 4x4 truck, and car.
The only thing not covered was environmental fees, and fishing gear which is under house insurance. My quad which is under bare minimal coverage also isn't covered on or off the truck on ice. What's the cost of environmental fees anyways?

That's exactly who I'm with, and they said they don't cover me, and there is nothing I could ever purchase that would cover me. I'd ask for some written proof if I were you.

[lakerman]

I'm with TD meloche money they told me I'm covered if I go for a swim. I've also got buried deep years ago the tow operator didn't want to drive pull me out,after some convincing he did,:confused:

[AppleJax]

I'm with intact, I have a 2003 fx4 level 2 ranger and I am not covered. Even though my vehicles intended purpose is offroading.

I asked, I was told in no way shape or form risking my own integrity and safety by driving my vehicle on the ice under any circumstances would I be covered. No matter what coverage, deductible, anything. They stated most insurance companies DO NOT offer any form of coverage for driving on to lakes, unless it is an actual ice road.

Hate to break it to you but your trucks intended purpose is not off toadying haha.

[Graffy91]

Hate to break it to you but your trucks intended purpose is not off toadying haha.

Guess it isn't, that's why it's a level 2 and not just a 4x4. :confused:

[HuyFishin]

Hate to break it to you but your trucks intended purpose is not off toadying haha.



Hehe they are ment for offroad, and actually quite nice when you do it up

http://fiberwerx.com/wp-content/uploads/2012/07/fwx_ranger98_fender_011.jpg

[Graffy91]

Hehe they are ment for offroad, and actually quite nice when you do it up

http://fiberwerx.com/wp-content/uploads/2012/07/fwx_ranger98_fender_011.jpg

Pretty wicked prerunner, but with the level 2 package it is built for off road. Full skid plate underneath, f150 rear differential, Torsen limited slip axle, 31" all terrains on mine. Pretty sure id know AJ.

[AppleJax]

Pretty wicked prerunner, but with the level 2 package it is built for off road. Full skid plate underneath, f150 rear differential, Torsen limited slip axle, 31" all terrains on mine. Pretty sure id know AJ.

Haha my truck has the Z71 package and 31" tires. Doesn't make it an intended off road vehicle haha. It's a on highway vehicle just like yours, not an ATV haha haha

[Graffy91]

Haha my truck has the Z71 package and 31" tires. Doesn't make it an intended off road vehicle haha. It's a on highway vehicle just like yours, not an ATV haha haha

I don't believe I used the words ATV in any way shape or form. Please don't put words in my mouth.

I said my vehicles intended purpose is off roading, the trim package I have is what my insurance company has it listed as. I don't understand what you're trying to get across.


I simply said my insurance company will not cover any aspect of driving on a lake no matter what coverage. Even with a 4x4.

Sorry for speaking.

[leeaspell]

Haha my truck has the Z71 package and 31" tires. Doesn't make it an intended off road vehicle haha. It's a on highway vehicle just like yours, not an ATV haha haha

Yours is a Chevy, of course it isn't meant to go off road :fighting0074:

[HuyFishin]

sooo is a jeep intended for off-road use or a highway vehicle?

[AppleJax]

Yours is a Chevy, of course it isn't meant to go off road :fighting0074:

Great point!
My point about the off highway is that your vehicle (ford ranger) is not intended for off road use, it is designed ( and registered ) as a highway vehicle. It might have an "off-road package" but at the end of the day it's still a truck as far as your insurance sees it. Not putting words in your mouth but simply using ATV as a reference. Sorry about the reality check. Cool truck though:)

[AppleJax]

sooo is a jeep intended for off-road use or a highway vehicle?

The real Jeep's or the ones with minivan motors?

[ATF]

That's exactly who I'm with, and they said they don't cover me, and there is nothing I could ever purchase that would cover me. I'd ask for some written proof if I were you.

You may want to talk to someone else also maybe higher up the chain.
I'm with Td now and I had them fax me a letter when I changed over that I would be covered in the event of breaking through the ice while fishing. It was deemed to be covered as it is considered under collision (as in collision with the ice which I know sounds weird) and they pay for the vehicle and recovery.
I know a guy through a relative who sunk his truck on Siebert Lake and he had the guaranteed replacement cost coverage which is available for new vehicles. It was lamost set to expire I think after 2 years when it happened and they gave him a cheque for a new truck. Definitely worth it in his case.

[winger7mm]

The real Jeep's or the ones with minivan motors?

Definitely with the I6!!

[bloopbloob]

You may want to talk to someone else also maybe higher up the chain.
I'm with Td now and I had them fax me a letter when I changed over that I would be covered in the event of breaking through the ice while fishing. It was deemed to be covered as it is considered under collision (as in collision with the ice which I know sounds weird) and they pay for the vehicle and recovery.
I know a guy through a relative who sunk his truck on Siebert Lake and he had the guaranteed replacement cost coverage which is available for new vehicles. It was lamost set to expire I think after 2 years when it happened and they gave him a cheque for a new truck. Definitely worth it in his case.

I will probably call again in a couple days with this info and try to get to the bottom of this, as I have TD through Monex also, and they said no coverage is even available for ice fishing. I'd sure like to be covered!

[coors04]

I was told I would be covered by AMA but only if I was in a situation like there was a dozen other trucks out there some the same size or bigger and I was the poor guy who found a soft spot or something. I don't rely on this info and and except the chances of being on a big sheet of ice. My best guess is if I fell through on the road everyone has been using they might cover me. The secound I leave that road I'm thinking I'm SOL.

[omega50]

Everyone knows they don't cover "Overland Flooding" :sHa_shakeshout::bad_boys_20::sHa_shakeshout:

[Don_knows_best]

So who else has TD insurance and has called... just curious .... As to how many different answers and if I anyone can get it in writing??
I have td just called tonight. Full coverage as good as u can't get 2015 gmc 3500. NOT COVERED!!!!! So many wrong answers from ins company who is right only one way to find out put I'm gonna pass

[Don_knows_best]

So who else has TD insurance and has called... just curious .... As to how many different answers and if I anyone can get it in writing??

I have td and had to call twice. First time I called no was the answer. Second time they said it's covered. So I asked for it in writing and was told its in the policy and is classed as flooding and covered under comprehensive Recovery as well. Same as vehicle in accident needed to be towed. Now there is a note on account that I called spoke to supervisor and that's what I call covering my ass .

[NewAlbertan]

Legal babble your agent gives you... Don't expect ice fishing sinkage coverage. Expect to fight tooth and nail painfully. And probably lose.
Remember who insurance companies really represent.

My 2 bits

[PlayDoh]

Legal babble your agent gives you... Don't expect ice fishing sinkage coverage. Expect to fight tooth and nail painfully. And probably lose.

Remember who insurance companies really represent.



My 2 bits


^^^^ This. Agents and likely their supervisors don't know jack. You might have a case if you have written evidence you were told your covered, yet even then I wouldn't expect it.
When push comes to shove insurance companies will fight tooth and nail to deny your claim. Ask anyone who's house has burnt down.
You'd be better off buying a beater to drive on the ice IMO. I can't believe people drive newer trucks on the ice.
Risk vs Reward.
Also I would t be surprised if environmental fines could bankrupt most people. I'm guessing there but those kind of fines are rarely cheap.
Let's also keep in mind the environmental impact sinking a vehicle would have, "cleaned up" or not.
"thousands of tiny releases, carried by streams and storm drains to the sea, are estimated to equal an Exxon Valdez spill -- 10.9 million gallons of petroleum -- every eight months, the report says."
http://www.nytimes.com/2002/05/24/us/offshore-oil-pollution-comes-mostly-as-runoff-study-says.html

One drop of oil contaminates 1,000,000 litres of water. You don't even have to break through to have an impact.

[1bluZebec]

Yours is a Chevy, of course it isn't meant to go off road :fighting0074:

:47b20s0:that's the truth too lol. The level 2 ranger
WILL go ALOT further off-roading in pretty much every way than that heavy Chevy:sHa_sarcasticlol:

[DiabeticKripple]

I specifically asked my insurance company, through email, if I was covered if I went through while ice fishing and they said yes. I have it in writing.

[Kim473]

My truck is a 4x4. Basically I'm posting this because I had to ask a lot of questions even after being told yes I was covered, to find out that in fact, I would not be covered if I broke through going ice fishing. Just got off the phone with TD insurance about 15 minutes ago. Oh, I also asked if there was something I could add to my policy to cover me for ice fishing, and the answer was no.

Had off road insurance on a 4X4 once. It would have been covered for ice fishing.

Was in a band years ago and asked for insurance for the drums. They would cover, hit by lightning, earth quake, flooding etc. but would not cover for fire, theft and vandalizim . Acts of god only. LOL

If some women can insure there legs, i'm sure you could insure pretty much anything. Just a matter as to how much it will cost you. Insurance Companies are like casinos, the house allways wins 75% of the time !

[35 whelen]

I think lots of guys THINK THEY ARE COVERED but when it comes down to it most companys will not pay if you are on lake ice fishing .

[Mike_W]

If your insurance agent says yes, and it turns out the insurance company won't cover it. How "on the hook" is your insurance agent for giving you incorrect information?

You would have to prove that they advised you incorrectly and if so they do need to have Errors and Omissions Insurance to hold a licence.

[MathewsArcher]

RBC paid out for recovery and loss when I had a vehicle go through several years back. No questions, no arguing covered it under the collision portion of my insurance.

[stubblejumper01]

I told my wife I needed a snowmobile or side by side , depending on snow depth, for ice fishing so I wouldn't have to drive my 1 ton dually out there.
So that's what I do. If I took my truck she might think I don't need the other 2 units.

[Whocares1]

TD Insurance is one of the worst insurance companies to have would not trust anything they say, get it in writing and signed and dated.

[muzzy]

^^^^ This. Agents and likely their supervisors don't know jack. You might have a case if you have written evidence you were told your covered, yet even then I wouldn't expect it.
When push comes to shove insurance companies will fight tooth and nail to deny your claim. Ask anyone who's house has burnt down.
You'd be better off buying a beater to drive on the ice IMO. I can't believe people drive newer trucks on the ice.
Risk vs Reward.
Also I would t be surprised if environmental fines could bankrupt most people. I'm guessing there but those kind of fines are rarely cheap.
Let's also keep in mind the environmental impact sinking a vehicle would have, "cleaned up" or not.
"thousands of tiny releases, carried by streams and storm drains to the sea, are estimated to equal an Exxon Valdez spill -- 10.9 million gallons of petroleum -- every eight months, the report says."
http://www.nytimes.com/2002/05/24/us/offshore-oil-pollution-comes-mostly-as-runoff-study-says.html

One drop of oil contaminates 1,000,000 litres of water. You don't even have to break through to have an impact.

Wow you guys re sooo sure about no coverage.What a crock my neighbour went to Wabamun, south shore RR55 last winter to take family fishing They sunk his truck. He called insurance told them and asked how do I get it out. They immediately told him don't worry we'll look after it all. He got full coverage and had a new truck in his driveway within two weeks. Go figure that pretty good for insurance companies not covering anything

[PlayDoh]

Wow you guys re sooo sure about no coverage.What a crock my neighbour went to Wabamun, south shore RR55 last winter to take family fishing They sunk his truck. He called insurance told them and asked how do I get it out. They immediately told him don't worry we'll look after it all. He got full coverage and had a new truck in his driveway within two weeks. Go figure that pretty good for insurance companies not covering anything

Its called an opinion, no need to get your panties in a twist. Didn't see anything in my post that stated "Nobody ever gets covered". Walk a mile in my shoes and you'd have my insurance coverage pessimism.

[35 whelen]

RBC paid out for recovery and loss when I had a vehicle go through several years back. No questions, no arguing covered it under the collision portion of my insurance.

THATS GOOD TO KNOW ,I called RBC who I use and they told me I'm not covered

[trophybook]

TD MELOCHE MONEX IS A JOKE OF A COMPANY ! My car was backed into wile parked properly in a stall last April...still to this day I am fighting with them to get the car fixed. Lesson record all conversations with them ask for names, employee Id numbers . they will stab you in the back just to make a buck

[MathewsArcher]

THATS GOOD TO KNOW ,I called RBC who I use and they told me I'm not covered

Wasn't even a question other than where did it happen. They contacted the tow/salvage company, divers etc. and had it out within a few days. All bills and claim was covered in under two weeks for full replacement value. Service was A1.

[Bemoredog]

I just got a new vehicle and figured I should probably call and find out about this. I had no idea falling through the ice was so common, even on lakes with super thick ice there can soft spots that will swallow your vehicle. Yikes.

I'm with TD Meloche Monex. I called and they said I am covered. I think it's because I have comprehensive coverage. The agent went and talked to the underwriters who confirmed that even if I deliberately drove onto the ice to fish and the vehicle went through I would be covered. I forgot to ask about whether they would cover recovery fees...

I asked for it in writing and the agent said it's in the policy book on page 6 or 7. Since I just got this vehicle and took out the policy I don't have the booklet. I will look into when I get the policy booklet in the mail and let everyone know.

The level of inconsistency reported by members on here is still unnerving though. We should really all be getting the same answer (those of us with TD anyways).

[TROLLER]

I'm with meloche monnex Td insurance.
They stated both my vehicles were insured 4x4 truck, and car.
The only thing not covered was environmental fees, and fishing gear which is under house insurance. My quad which is under bare minimal coverage also isn't covered on or off the truck on ice. What's the cost of environmental fees anyways?

I am aware of one guy who had to pay $25,000 after he went for a swim have heard a few others with the same penalty.

Reason 2 of why I use an atv.

[EZM]

I am not concerned. My insurance company was more than happy to put it in writing for me. My broker, who I have dealt with for years, said she has paid out 2 policies (one was a complete write off the other was recovery and some minor damage for a partial breakthrough) for ice fishing. All I pay for is the deductible.

That was over a period of about 30 years. On the other hand - these guys probably pay out 2 claims a days for a road accident.

It's the personal injury for them that gets expensive - not the cost of the lousy truck which is depreciated .....

side note - There is only one reasonable stipulation to my policy..... I must enter/exit the ice from a "common" public point such as a boat launch AND there can be no warning signs posted that say "unsafe ice".

That's all, that's it ........... I am covered.

It sounds to me there are crooked companies, poorly educated brokers and agents and different rules for different policies and insurance companies ........ so the best advice I can give is do your own research with your own insurer.

At the end of the day there aren't that many vehicles being written off every year and most smart companies would rather get your premiums and cover you for this small risk. The alternative is having you leave them to pay their competitor premiums because their coverage isn't what you are looking for. What is more likely to happen to you? an accident or an ice breakthrough?

Simple math gentlemen .....