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]

Originally Posted by Redfrog

I'm covered under collision.

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

[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??

[Game Hunter]

Originally Posted by 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??

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.

[bloopbloob]

Originally Posted by klagore

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.

[TROLLER]

Originally Posted by Game Hunter

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.

[Don_knows_best]

Originally Posted by 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??

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

[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

[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.

[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.

[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

[Don_knows_best]

Originally Posted by 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??

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 .

[CanadianBadass]

Originally Posted by 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.

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 !

[bloopbloob]

Originally Posted by CanadianBadass

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]

Originally Posted by bloopbloob

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

[Kim473]

Originally Posted by bloopbloob

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 .