Toys For the Big Kids

Spring is in the air and summer is just around the corner. As the weather warms up, we all start shopping for and thinking about toys. Toys are not just for kids anymore. The only problem is the toys we may have now are much larger and much more expensive. That is why it is so important to make sure you have insurance coverage for all your toys.

Cars – As the warmer weather arrives, we start to see more classic cars on the road. Everyone thinks of the standard classic cars (1950s/60s vehicles) but now vehicles from the 1990s qualify for these policies too. Classic car coverage is unique as it provides full coverage on a vehicle at a fraction of the normal cost. However, there are some key requirements:

• Car must be 20-25+ years old (company dependent)
• Drivers must be over age 25
• Vehicle cannot be used as a daily commuting vehicle
• Annual kilometers should be under 5000 kms/year
• Some companies may require an up to date appraisal on the vehicle

Boats – Boats come in all shapes and sizes (Pontoon, Fishing, Wake Board, Jet, Sail, Yachts, Personal Watercraft and more). You want similar coverage as you do on your car (liability, physical damage) and possibly added coverages such as emergency towing, removal and disposal of wreck, guaranteed replacement cost and more. Before you take to the water, make sure your investment is properly protected.

ATVs – ATVs can be seen all year round and it is important to have the proper coverage. It can be dangerous on the trails, and you want to make sure the machine itself has coverage (physical damage, fire and theft) but also that there is liability coverage in case something happens. If you are on the trails or cross a public road, you will need liability coverage to protect you and all riders. 

Trailers – Trailers come in all shapes and sizes, and whether you tow it from site to site, it is parked for the season, or even permanently parked, you want to protect it. Trailers are our homes away from home so we want to make sure we have coverage for the trailer itself, our contents we keep there, as well as liability.

When you contact us, we will have some questions to learn more about you and your toys to make sure we offer a thorough and comprehensive quote that suits your needs. Whether you are at the park, on the road, on the trail or on the water, make sure you are covered!

 

Scott Sleightholm, CAIB, R.I.B.(Ont.), Vice President, Kenny Insurance Brokers