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  #1  
Old 02-21-2018, 04:09 PM
rayf01 rayf01 is offline
 
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Default Vehicle insurance on Ice

Has anyone actually confirmed with their insurance company if they have coverage that would cover a vehicle going though the ice?

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  #2  
Old 02-21-2018, 04:21 PM
Dweb Dweb is offline
 
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An old roommate of mine works for intact in Calgary and he said .....no .... Lol
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Old 02-21-2018, 04:48 PM
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RavYak RavYak is offline
 
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This has been talked about numerous times. Every insurer handles things differently so speak with your insurance and get the details in writing.

I believe many do cover you unless there are signs at the lake saying danger thin ice etc.
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Old 02-21-2018, 04:49 PM
jpohlic jpohlic is offline
 
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I've asked my broker this and yes, my truck is covered.
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Old 02-21-2018, 05:12 PM
TROLLER TROLLER is offline
 
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I found out from mine that yes you are covered but they will not pay for the recovery or any fines attached to you going through.
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  #6  
Old 02-21-2018, 07:20 PM
Jawjacker Jawjacker is offline
 
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I have an all risk policy. I have triple checked with my insurance company . I am totally covered if my vehicle goes through the ice. The only exclusion is if there is a sign at the lake that says "THIN ICE" ,then its considered malicious.
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Old 02-21-2018, 08:21 PM
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Half Pickereled Half Pickereled is offline
 
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Not only is my vehicle covered, I found out my shack and contents is covered under my home insurance (Allstate) Itís consided an out building even if it was halfway across Canada. I asked how much it was covered for, I was told x$, which works out to about 5% of my home value. This covers contents as well. The only catch is , I have to move it every 30 days. Which who doesnít right? Lol
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Old 02-22-2018, 07:03 AM
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DOGFISH DOGFISH is offline
 
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I talked with my broker and I am covered as long as I do not break any laws, example thin ice signs etc. They stressed the words as I do not do anything illegal I will be looked after . I trust them as they are good friends of ours. Not every policy has this coverage. Dogfish
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  #9  
Old 02-22-2018, 09:24 AM
rayf01 rayf01 is offline
 
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What insurance companies are stating "yes"?

I've been told by a few that the Alberta insurance under writers, or something to that nature, are all the same for every insurance company so technically no one would cover it. That doesn't make sense to me.
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  #10  
Old 02-22-2018, 09:31 AM
ATF ATF is offline
 
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I've got it in writing from Meloche that I'm covered.
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  #11  
Old 02-22-2018, 09:35 AM
Dave P Dave P is offline
 
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Been in insurance a long time now.

Every policy is different, but typically the rule to go by with insurance is that if it is not specifically excluded, its included. Read your policy, question the brokers. It is what they are there for!
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  #12  
Old 02-22-2018, 09:49 AM
Jawjacker Jawjacker is offline
 
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Quote:
Originally Posted by rayf01 View Post
What insurance companies are stating "yes"?

I've been told by a few that the Alberta insurance under writers, or something to that nature, are all the same for every insurance company so technically no one would cover it. That doesn't make sense to me.
Insurance co-Unifund.
brokers - Johnsons
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  #13  
Old 02-22-2018, 12:32 PM
hightower hightower is offline
 
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Sunk one back in the day and it got paid out
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  #14  
Old 02-22-2018, 01:24 PM
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223MB 223MB is offline
 
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Iím fully covered for vehicle replacement, and recovery costs. My coverage is void if there was a ice condition warning where I access the lake.
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Old 02-22-2018, 03:04 PM
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mooseknuckle mooseknuckle is offline
 
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Quote:
Originally Posted by 223MB View Post
Iím fully covered for vehicle replacement, and recovery costs. My coverage is void if there was a ice condition warning where I access the lake.
Same here. Made sure to get in writing, as indo alot of ice fishing.

Western general insurance.
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  #16  
Old 02-22-2018, 05:39 PM
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223MB 223MB is offline
 
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Quote:
Originally Posted by mooseknuckle View Post
Same here. Made sure to get in writing, as indo alot of ice fishing.

Western general insurance.
Have mine in writing as well, Johnsonís insurance.
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  #17  
Old 02-23-2018, 04:01 PM
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pikester pikester is offline
 
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I'm insured through Economical & they have told me I am covered for loss & recovery on ice, HOWEVER they won't cover any environmental fees or clean up charges which I have heard can be as much as vehicle loss & recovery fees so...
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  #18  
Old 02-25-2018, 08:08 AM
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Tigger72 Tigger72 is offline
 
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Quote:
Originally Posted by ATF View Post
I've got it in writing from Meloche that I'm covered.
How did you go about getting it in writing from Meloche... Im with them and asked to have it in writing and was told to just get a copy of my policy...
smh and totally avoided the question...
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  #19  
Old 02-25-2018, 03:20 PM
ATF ATF is offline
 
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Nothing special when I got it.
Talked to one of their reps. Asked a few questions about how it worked , recovery costs etc.. They said it was covered and considered a collision with the ice. Asked if I could get something to that effect faxed to me and they did.
I always note the time, date and who I talk to also for the record as well.
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  #20  
Old 02-25-2018, 03:50 PM
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Tigger72 Tigger72 is offline
 
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Quote:
Originally Posted by ATF View Post
Nothing special when I got it.
Talked to one of their reps. Asked a few questions about how it worked , recovery costs etc.. They said it was covered and considered a collision with the ice. Asked if I could get something to that effect faxed to me and they did.
I always note the time, date and who I talk to also for the record as well.

Good to know...thank you! I will try this tomorrow!!
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  #21  
Old 02-27-2018, 07:15 AM
fisheye1 fisheye1 is offline
 
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What about everyones LIFE INSURANCE is it up to date. lol
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  #22  
Old 02-27-2018, 07:43 AM
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DiabeticKripple DiabeticKripple is online now
 
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Aviva covers under comprehensive as well. I have it in writing from my broker.
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  #23  
Old 03-01-2018, 12:24 PM
MathewsArcher MathewsArcher is online now
 
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First hand knowledge, found out mine was covered as was recovery which was pretty expensive. City Wide Towing (Calgary) handled the recovery and was hired by the insurance company. Vehicle was written off quickly and fairly RBC Insurance.

No fines, environmental fees etc. were ever assessed.
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  #24  
Old 03-02-2018, 08:24 AM
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fish99 fish99 is offline
 
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Quote:
Originally Posted by MathewsArcher View Post
First hand knowledge, found out mine was covered as was recovery which was pretty expensive. City Wide Towing (Calgary) handled the recovery and was hired by the insurance company. Vehicle was written off quickly and fairly RBC Insurance.

No fines, environmental fees etc. were ever assessed.
which lake ?
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