| Author |
Message |
    
Ed (66.185.85.79)
Rating: N/A
Votes: 0 (Vote!) | | Posted on Thursday, February 10, 2005 - 08:39 pm: | 
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So after 2 years of "should I or shouldn't I get an Argo" I finally took the plunge, went to my dealer and ordered a 2005 Conquest, my dilema was finally over right?.... WRONG! I figured between all my current ins. policies someone will cover it but apparently, my Auto insurer will not do ATVs, but does my snowmobiles, my house/cottage/boat insurer does not do ATVs, finally found one today (state farm) that will insure the Argo....but only if I change my Auto over to them at a $400 premium higher that I'm paying now, plus $700 for the Argo OUCH! anyone in Ontario had the same problem? |
David Keeso (Argomag) (170.224.224.121)
Rating: N/A
Votes: 0 (Vote!) | | Posted on Friday, February 11, 2005 - 02:22 pm: |
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Ed, our argo has never been insured and its never been a problem. Unless your concerned about loss in fire or flood or likewise, nobody will enforce it- I am also in Ontario- Toronto - where are you?
As far as insuring for other passengers, if you drive it the way its supposed to be driven, nobody gets injured and nobody needs to file a claim. |
Bill cripe (Bcripe) (68.167.153.226)
Rating: N/A
Votes: 0 (Vote!) | | Posted on Friday, February 11, 2005 - 02:45 pm: |
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I suppose any kind of loan would require insurance? |
Ed (66.185.85.79)
Rating: N/A
Votes: 0 (Vote!) | | Posted on Friday, February 11, 2005 - 03:39 pm: |
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My two reasons for insurance is because my cottage is on an Island, the argo will sit in a field during the week so I can just hop in and cross the lake, and I'm not prepared to lose $17000, and secondly I financed half of it so yes insuranse is required for the finance co. |
David Keeso (Argomag) (69.194.78.126)
Rating: N/A
Votes: 0 (Vote!) | | Posted on Saturday, February 12, 2005 - 01:53 am: |
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Ed, Your cottage wouldn't be up in Georgian Bay would it? |
LARRY HOUGHTON (216.129.40.110)
Rating: N/A
Votes: 0 (Vote!) | | Posted on Saturday, February 12, 2005 - 01:58 pm: |
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ED. I called my insurance broker a few years back and it was the same thing for a Max. The premium was not as high as yours. If you do ride on the road it is agrey area as some places allow atv's and others don't.The other problem with aatv's is the insurance co. and the ministry of transport haven't decided as to what these are classed as. |
Ed (66.185.85.79)
Rating: N/A
Votes: 0 (Vote!) | | Posted on Sunday, February 13, 2005 - 06:18 pm: |
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My cottage is in the Peterborough area David |
philip w.cox (Philipatmaxfour) (209.226.251.60)
Rating: N/A
Votes: 0 (Vote!) | | Posted on Monday, February 14, 2005 - 03:54 pm: |
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ED
YOU SHOULD HAVE HAD THE ARGO LAST YEAR DURING PETERBOUROUGH,S FLOOD DISASTER. I WAS ALREADY
DEALING WITH COOPERATORS FOR HOUSE TRUCK AND
BOAT INSURANCE WHEN I GOT MY MAX IV.NO TROUBLE
EXCEPT THAT THEY INSURE IT AS AN ATV FOR LIABILITY FIRE AND THEFT AND COLLISSION BUT NOT WHEN BEING USED AS A BOAT. I CAN LIVE WITH THAT
BUT IF SOMEONE OFFERED MORE COMPLETE COVERAGE
I WOULD HAVE TO LOOK AT IT. I HOPE YOU,VE AT LEAST GOT A TIN SHED IN THAT FIELD. WISH YOU
LUCK. W.PHILIP |
philipatmaxfour (209.226.251.60)
Rating: N/A
Votes: 0 (Vote!) | | Posted on Monday, February 14, 2005 - 03:57 pm: |
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ED
YOU SHOULD HAVE HAD THE ARGO LAST YEAR DURING PETERBOUROUGH,S FLOOD DISASTER. I WAS ALREADY
DEALING WITH COOPERATORS FOR HOUSE TRUCK AND
BOAT INSURANCE WHEN I GOT MY MAX IV.NO TROUBLE
EXCEPT THAT THEY INSURE IT AS AN ATV FOR LIABILITY FIRE AND THEFT AND COLISSION BUT NOT WHEN BEING USED AS A BOAT. I CAN LIVE WITH THAT
BUT IF SOMEONE OFFERED MORE COMPLETE COVERAGE
I WOULD HAVE TO LOOK AT IT. I HOPE YOU,VE AT LEAST GOT A TIN SHED IN THAT FIELD. WISH YOU
LUCK. W.PHILIP |
Ed (66.185.85.79)
Rating: N/A
Votes: 0 (Vote!) | | Posted on Monday, February 14, 2005 - 07:52 pm: |
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W.Philip,
Cooperators has my house, cottage,and boat, but will not do the Argo, and the last company I tried would do the Argo under the same condition(no water coverage) for $1100. OUCH!!! |
J. Hagerhorst (63.161.0.27)
Rating: N/A
Votes: 0 (Vote!) | | Posted on Friday, February 18, 2005 - 01:15 pm: |
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If Progressive sells insurance then call them, or fill out application on the web cost me $92.00 USD
per year, including accident, theft, property damage. |
Harry Chris Holmes
New member
Username: Topher
Post Number: 1
Registered: 03-2005
Posted From: 24.102.197.111
Rating: N/A
Votes: 0 (Vote!) | | Posted on Saturday, March 26, 2005 - 09:38 pm: |
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I purchased an 04 conquest almost 900 a year for insurance.I had to contact the insurance bureau of Canada to find out that your insurer has to giye you a quote under facility.PAIN in the butt.Why is it ODG set up insurance coverage in the U.S.but can't or won't for Canadian buyers. |
Harry Chris Holmes
New member
Username: Topher
Post Number: 2
Registered: 03-2005
Posted From: 24.102.197.111
Rating: N/A
Votes: 0 (Vote!) | | Posted on Saturday, March 26, 2005 - 09:46 pm: |
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A little note for everyone the only way to get insurance regulations on AATV's changed is if we get their classification changed to be the same as all other ATV's. |
Harry Chris Holmes
New member
Username: Topher
Post Number: 5
Registered: 03-2005
Posted From: 24.102.197.111
Rating: N/A
Votes: 0 (Vote!) | | Posted on Monday, March 28, 2005 - 11:02 pm: |
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I found out that the insurance company listed on the ODG site does not cover Canadian clients,great for any U.S. guys looking for insurance.The compant is AIG I think.They do cover 8 wheelers. |
fred sain (Unregistered Guest)
Unregistered guest
Posted From: 12.168.170.108
Rating: N/A
Votes: 0 (Vote!) | | Posted on Tuesday, March 29, 2005 - 09:52 am: |
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I always tell my customers, to just tell the insurance company that they want insurance for a Argo atv. It works most of the time. It seems if you start telling the insurance company about the amphibious toy that you have bought, they get stupid. Just keep it simple (ATV) and amount of coverage. |
JHOG (Unregistered Guest)
Unregistered guest
Posted From: 204.58.127.10
Rating: N/A
Votes: 0 (Vote!) | | Posted on Tuesday, March 29, 2005 - 01:51 pm: |
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So, you think its ok to mislead the insurance company. That might work to get initial coverage, but when you need it your claim may be turned down. Honesty is the best policy. I've checked with State Farm and all they seem to care about is engine displacement! |
JBC (Unregistered Guest)
Unregistered guest
Posted From: 24.52.29.108
Rating: N/A
Votes: 0 (Vote!) | | Posted on Tuesday, March 29, 2005 - 11:59 pm: |
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You are right JHOG.
I've been looking to buy for two years now and finally took the plunge with an Avenger the first of the year. Fantastic.
But I took a test drive with an Argo owner two plus years ago who had insurance but in checking his policy found out that the Argo was excluded. Insured but no coverage. Go figure.
Mine is insured with State Farm for a bit under $500.00 in Maine. |
Fred Sain (Unregistered Guest)
Unregistered guest
Posted From: 12.168.170.101
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, March 30, 2005 - 11:37 am: |
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Gentlemen, my customers have had no insurance problems at all. The ARGO is rated as an ATV in the state that I live in, by the state motor vehicle commision. So by telling the insurance company that you have purchased a ATV, you have not lied in any way, and your insurance is good. |
JHOG (Unregistered Guest)
Unregistered guest
Posted From: 204.58.127.10
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, March 30, 2005 - 03:25 pm: |
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Sure, it may be rated as an ATV, but unless you tell them that what you really have is an AATV your comprehensive may not pay up if you sink it! Whereas it would pay up for an ATV because having it in deep water would most certainly be an accident. |
Fred Sain (Unregistered Guest)
Unregistered guest
Posted From: 12.168.170.190
Rating: N/A
Votes: 0 (Vote!) | | Posted on Thursday, March 31, 2005 - 10:27 am: |
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JHOG, I did not rate it as an ATV, the STATE did. I do not know anyone in my sales area, that wants to argue with the state, just to raise their insurance. |
s.g (Unregistered Guest)
Unregistered guest
Posted From: 152.163.100.203
Rating: N/A
Votes: 0 (Vote!) | | Posted on Thursday, March 31, 2005 - 11:27 am: |
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Looking for INSURANCE in Ontario? Here is a list of companies that insure ARGO's.
Predominant atv insurers
Allianz
CGI
Co-operators
Cummins
Dominion
Farmers Mutual
Federation
Gore Mutual
Coseco
Kingsway/Jevco
Liberty Mutual
Lloyds
Lombard
Metro General
Monnex
Optimum Frontier
Peace Hills
Portage La Praire
Royal Insurance
SPGDAG/Desjardins
State farm
The Citadel
Wawanesa
This list of insurers is just to point out that there are numerous insurance groups out there that provide coverage for AATV's and there terms may include that you transfer your car,boat, house etc.., but here is a starting point the rest is up to the individual to do the research and find the right coverage/price.
hope it helps
keep the old ones alive and the new ones purring! |
JHOG (Unregistered Guest)
Unregistered guest
Posted From: 204.58.127.10
Rating: N/A
Votes: 0 (Vote!) | | Posted on Thursday, March 31, 2005 - 02:04 pm: |
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Ok, fine, rate it as an ATV if you wish. Just remember, you get what you pay for! If you sink your 6 wheeled boat have some fun with your claims agent. Its easy to speculate that in the case of a 3rd party injury your insurance company may deny liability coverage due to deliberate nondisclosure. Not worth losing the house over. |
Ed Pedro
Junior Member
Username: Rosed
Post Number: 14
Registered: 02-2005
Posted From: 66.185.84.79
Rating: N/A
Votes: 0 (Vote!) | | Posted on Friday, April 01, 2005 - 08:14 pm: |
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You can cross off cooperators from the ins. list. I have my house,cottage, and boat with them but they will not do my argo!
Ed |
Erich Kelter
New member
Username: Fisherman
Post Number: 7
Registered: 11-2005
Posted From: 69.158.53.59
Rating: N/A
Votes: 0 (Vote!) | | Posted on Friday, January 20, 2006 - 08:51 pm: |
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Well after many phone calls and nagging the MTO office for thruthful info, Argos (Amphibs) must now be plated in Ontario. Managed to get my insurance through Dominion for just a tad over $300. |
steve young
New member
Username: Gearhead
Post Number: 9
Registered: 01-2006
Posted From: 209.226.175.59
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, January 25, 2006 - 11:17 am: |
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Just wanted to let people in ONTARIO know my court date was remanded till april 12 due to conflict of interest with the procecuter.
I was charged August 21/05 under the off road vehicles act with no liability insurance and no helmet.Argo was going to pay for my lawyer but i talked with there rep. 3 days before my court date and he told me that O.D.G now feels argo's do fall under the act and that they now have 2 of their machines registered;(So much for their support);but they would still pay for my defense I'f I wanted.What a dissapointment.Now i'm going in myself to see what the judge ruling is going to be, do they fall under the act or not.If so they must be registered,plated,have liability insurance,and wear approved helmets. I'll keep you informed. |
Erich Kelter
New member
Username: Fisherman
Post Number: 8
Registered: 11-2005
Posted From: 131.137.245.199
Rating: N/A
Votes: 0 (Vote!) | | Posted on Thursday, January 26, 2006 - 02:23 am: |
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Steve: I'm not 100% sure, but I think that Argos were still an exempt vehicle prior to Nov 2005. If I can find the letter I got back from MTO, I'll e-mail you a copy, along with the guys name who you can contact. They must now be plated, insured, and everyone in or towed by the Argo must wear a helmet. I got my plate and reg last week. It was a bone of contention for me too, some of the police were totally unaware they were exempt, until I showed them the printout from MTO under a publication called Vehicle Policy. That has now changed. |
steve young
Junior Member
Username: Gearhead
Post Number: 11
Registered: 01-2006
Posted From: 209.226.175.59
Rating: N/A
Votes: 0 (Vote!) | | Posted on Thursday, January 26, 2006 - 08:38 am: |
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ERICH- I would be very interested in that letter, even Argo dosen't know about that,but seeing i'm going in on my own all information would help.Thanks hope you can find it. |
Erich Kelter
New member
Username: Fisherman
Post Number: 9
Registered: 11-2005
Posted From: 69.158.54.222
Rating: N/A
Votes: 0 (Vote!) | | Posted on Thursday, January 26, 2006 - 03:31 pm: |
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Steve, you should have an e-mail with the info. |
steve young
Junior Member
Username: Gearhead
Post Number: 12
Registered: 01-2006
Posted From: 209.226.175.59
Rating: N/A
Votes: 0 (Vote!) | | Posted on Thursday, January 26, 2006 - 07:27 pm: |
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Erich- The scans came out fine. Thank you for the info I'm sure it will help. |
KENNYLO
Junior Member
Username: Kennylo
Post Number: 14
Registered: 09-2005
Posted From: 70.50.231.94
Rating: N/A
Votes: 0 (Vote!) | | Posted on Thursday, January 26, 2006 - 08:20 pm: |
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Hi Erich,
I need that info too, I have the same issue in Ontario.
Thanks! |
(Unregistered Guest)
Unregistered guest
Posted From: 70.50.231.94
Rating: N/A
Votes: 0 (Vote!) | | Posted on Thursday, January 26, 2006 - 08:18 pm: |
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Hi Erich,
can you email to me too, i have the same issue.
Thanks
Ken |
(Unregistered Guest)
Unregistered guest
Posted From: 70.50.231.94
Rating: N/A
Votes: 0 (Vote!) | | Posted on Thursday, January 26, 2006 - 04:50 pm: |
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Hi Erich,
can you send me a copy to lowingtung@hotmail.com cause i have the same issue.
Thanks! |
(Unregistered Guest)
Unregistered guest
Posted From: 70.50.231.94
Rating: N/A
Votes: 0 (Vote!) | | Posted on Thursday, January 26, 2006 - 04:18 pm: |
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Hi Erich, can you kindly email to lowingtung@hotmail.com, I have the same problem with the court.
Thanks for your help! |
Erich Kelter
Junior Member
Username: Fisherman
Post Number: 10
Registered: 11-2005
Posted From: 69.158.79.150
Rating: N/A
Votes: 0 (Vote!) | | Posted on Friday, January 27, 2006 - 03:54 pm: |
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Okay, I'll give it a whirl. |
steve young
Junior Member
Username: Gearhead
Post Number: 13
Registered: 01-2006
Posted From: 209.226.175.30
Rating: N/A
Votes: 0 (Vote!) | | Posted on Friday, January 27, 2006 - 05:23 pm: |
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I got Erich's information and I went to the license bureau today and asked to see the vehicle policy in it shows the argo as exempt;but they recieved a memo on nov.1st 2005 telling them it has changed and it must be registered argo,beaver,jigger,skipper,etc.as of july 2003 but they just got the memo in nov 2005 go figure?so they photo copied it for me.ARGO must have got wind of this memo cause they posted this on their website dec 2005 to cover their ass.They told me it would be too expensive for them to fight for exemption again, they should consider the $20,000 plus worth of their products each of us spent.Again the government wins because they have the most money; OUR MONEY!} |
steve young
Junior Member
Username: Gearhead
Post Number: 14
Registered: 01-2006
Posted From: 209.226.175.30
Rating: N/A
Votes: 0 (Vote!) | | Posted on Friday, January 27, 2006 - 05:45 pm: |
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Just found out Argo has an insurance company for Ontario owners (probally getting a kick back)anyhow here it is -Lackner McLennan Insurance Ltd. 1-800-265-2625-.Sorry if I sound bitter but ARGO has really let me down by not standing up to the goverment.MY lawn tractor does 20 mph. and I need nothing for it. |
Erich Kelter
Junior Member
Username: Fisherman
Post Number: 11
Registered: 11-2005
Posted From: 69.158.79.150
Rating: N/A
Votes: 0 (Vote!) | | Posted on Friday, January 27, 2006 - 06:50 pm: |
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Are you going to call for a quote, if solet us know how much please. |
(Unregistered Guest)
Unregistered guest
Posted From: 70.50.231.94
Rating: N/A
Votes: 0 (Vote!) | | Posted on Friday, January 27, 2006 - 04:50 pm: |
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Thanks Erich, I received the email from you, but how come there is a picture of the Argo and it says it is exempt. Which rule apply to Argo? I am confused!
Thanks again! |
Erich Kelter
Junior Member
Username: Fisherman
Post Number: 12
Registered: 11-2005
Posted From: 69.158.66.13
Rating: N/A
Votes: 0 (Vote!) | | Posted on Sunday, January 29, 2006 - 09:24 am: |
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Note that the date on the Argo picture is June 2004 in the lower left corner, that info was never updated by MTO and sent to their offices until November of 2005. Go by the letter I sent you and get registered. |
steve young
Junior Member
Username: Gearhead
Post Number: 15
Registered: 01-2006
Posted From: 209.226.175.30
Rating: N/A
Votes: 0 (Vote!) | | Posted on Tuesday, January 31, 2006 - 08:16 am: |
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Just got insurance quote from ARGO's so called insurance company for 1 million liability (lowest they sell)they wanted $675.00 per year. Fire and theft added on for an additional $124.00 per year. What a joke almost as expensive as buying an ARGO!Anyhow I called CO-OPERATORS my insurance company for all I have now;and they said $225.00 a year for 1 million liability;and they acually know what an ARGO is.Finally someone not trying to gouge us,needless to say I now have insurance. Now I need five helmets,urg...will it ever end?} |
steve young
Junior Member
Username: Gearhead
Post Number: 16
Registered: 01-2006
Posted From: 209.226.175.30
Rating: N/A
Votes: 0 (Vote!) | | Posted on Tuesday, January 31, 2006 - 08:27 am: |
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Erich-forgot to mention when I went to the license bureau their vehicle policy manual publish date was May 2005 even though their memo on amphibious vehicles said they would update their manual on next republish hmmmm...Amphibious Vehicles not exempt back to July 2003 though they published manual June 2004 and again May 2005 to present but still not updated ,looks like a M.T.O. scuttle to me. |
Erich Kelter
Junior Member
Username: Fisherman
Post Number: 13
Registered: 11-2005
Posted From: 69.158.78.248
Rating: N/A
Votes: 0 (Vote!) | | Posted on Tuesday, January 31, 2006 - 02:59 pm: |
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Ya, sure sign that the left and right computers were working independantly. Anyway, at least now it seems both sides are pointed in the same direction. You got a good deal with CO-OP Ins, hopefully they won't jack the price up next year. |
jim stefanowicz
Junior Member
Username: Maxindetroit1
Post Number: 18
Registered: 03-2005
Posted From: 152.163.100.65
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, February 01, 2006 - 12:26 am: |
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Hey I live in Michigan, and the only thing I have is a title, for my Max2. I cant get a registration, plate, or anything for it, nor is it needed here, just a ORV sticker. I take it to Lake Simcoe all the time, and have never been questioned about any of these things. |
Erich Kelter
Junior Member
Username: Fisherman
Post Number: 16
Registered: 11-2005
Posted From: 69.158.86.101
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, February 01, 2006 - 07:36 pm: |
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Jim; It depends on each state/province what they use for "registration/plate. Some do not have plates such as your state and have an ORV sticker instead. Prior to this year, the police and conservation officers didn't touch Argos/Amplibs because they were a totally exempt vehicle, that's changed. They must now carry insurance, registration, driver licence and helmets for driver and all passengers and for anyone being towed on a sleigh/toboggan etc. In your case I would have a copy of the bill of sale on hand, just in case to save you some grief. |
Fisherman (Unregistered Guest)
Unregistered guest
Posted From: 69.158.86.101
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, February 01, 2006 - 07:35 pm: |
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Jim; It depends on each state/province what they use for "registration/plate. Some do not have plates such as your state and have an ORV sticker instead. Prior to this year, the police and conservation officers didn't touch Argos/Amplibs because they were a totally exempt vehicle, that's changed. They must now carry insurance, registration, driver licence and helmets for driver and all passengers and for anyone being towed on a sleigh/toboggan etc. In your case I would have a copy of the bill of sale on hand, just in case to save you some grief. |
Bruce Watson
New member
Username: Montague
Post Number: 1
Registered: 06-2012
Rating: N/A
Votes: 0 (Vote!) | | Posted on Tuesday, June 26, 2012 - 12:35 pm: |
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Old thread, but I will update with my experience in Ontario, Canada.
Bought a used 2004 Argo Avenger, the company that handles some of my stuff said no ATV but TD Insurance (used to be Primmum) has my bike and added PLPD and Comprehensive (fire/theft) for $286 a year. |
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