Ski-Doo 800R ETEC Dyno Results

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doo_dr

New member
This topic could be a good one to start a healthy debate that goes up in flames. Here goes!!!
Insurance companies do not know what they are really looking for in regards to critical information. They are gathering information to accurately place your toy into a insurance class. CC and HP are useless in my opinion. Take power boats. It doesn't matter what your hp is because it will change by your drive method. Inboard, Inboard/outdrive, Inboard/jet, inboard/alternative drive. Outboard 2stroke, outboard 4 stroke, outboard/prop drive, outboard/jet drive,etc.. Everyone of these styles of power boats can, and will, change the given HP applied. I don't remember the year but there was a point in time that the marine industry claimed "power head HP" to "prop shaft HP" . So how would you answer the insurance company on your sled??? "Well Mr Insurance Guy, Ski-Doo states that my 800 summit has a HP rating of 159. But by physics and applied physics we know that a CVT style transmission is 70% efficient. We also know rotating mass and the coefficeint of drag differs by condition. Considering I will try to keep my sled well maintained and adjusted to get the most efficiency of my motor and drive components, I think I will have a snowmobile that will have about 110 HP (applied to the ground). This can and will change as much as an additional 30% due to elevation and another +/-30% due to drive train maintainance. That puts us in a range of 54-159 HP depending on where you want to measure."
The real fact of the matter is they want to classify your sled in regards to the probability of a claim pay out. Engine size, Platform style(Rev, XP, ZR,IQ,etc...), application style(touring, trail, crossover, mountain,etc...), and special runs (x-pkg, aniversary, limited build, etc...) all go into the mix, and what you bring to the table in regards to your insurability.

Got everyone going!!!!

Now, I bet I pay less for insuring my crossover sled (highest claim rate) than my young friend that has the same sled. I'll stop my rambling with this. " HP or CC are SB numbers that insurance companies use to put into thier own little formula to determine what you are going to pay."

Sorry for the bad English. I'm lazy today.
 
misty_pines

misty_pines

Member
Doo Dr., You make some great points. Insurance companies need to have classifications to rate the insurance policies they sell based on potential liability, etc. The higher the potential liability in their opinion, the higher your rates will be...makes good business sense if their formulas are correct. As an example, Mustang GT with a V-8 will cost a lot more to insure than a Mustang with a V-6 and if you are a teenage driver, you will cost more to insure than a 45 year old.

So far, I have only been asked model and engine size when insuring my sleds over the years. The classifications insurance companies have for snowmobiles and ATVs don't seem nearly as detailed as they are for cars. Things could be changing for some insurance companies although as some of you guys are indicating they are starting to ask for horsepower.

Well, this thread has really wandered off topic. What was it?? Oh yeah, the 800 e-tec dynoed at 163.9 HP!!
 
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doo_dr

New member
Wandering off topic is fun!!! By today the Paulding light thread will have it's own music festival!!!

I have never been asked for more than the basics (yr, model, cc's) from my insurance company. I did read the fine print a few years back and found that my sled was not covered if I used it for sanctioned racing of illegal activities (DAH!!!). I have learned that you better keep all receipts and take off parts if you mod your sled. Without reciepts the Nytro is only worth half of its real cost. And what would I tell the insurance man if he asked for HP. 50-260HP!!! He would think I was smoking something!!!
 
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ezra

Well-known member
not every one has insurance for there sleds I think I see 1 more industry for the gov to take over.then Indy can stay on his dads policy till he is 26.
 
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jroz

New member
doo_dr said:
Wandering off topic is fun!!! By today the Paulding light thread will have it's own music festival!!!

I have never been asked for more than the basics (yr, model, cc's) from my insurance company. I did read the fine print a few years back and found that my sled was not covered if I used it for sanctioned racing of illegal activities (DAH!!!). I have learned that you better keep all receipts and take off parts if you mod your sled. Without reciepts the Nytro is only worth half of its real cost. And what would I tell the insurance man if he asked for HP. 50-260HP!!! He would think I was smoking something!!!
Click to expand...

No kidding about the Paulding light thread! I heard that Metallica, Led Zeppelin, and the remaining living Beatles are performing at the Paulding Light Music Festival.
 
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whitedust

Well-known member
Yep Nic that was my question to my insurance guy when I went 4s lucky Yam had rated 150HP+ at 144.44 HP under 150. He assured me West Bend had had full understanding of 2s vs 4s sleds. I sure would not wanted to be first one thru that hoop with 2003 RX1! Back to 800etek should be ok but 1st year 2s engines always has surprises 1st year 4s not so much. Etek the faster you go the more oil you use so didn't seem like good fit for power cruiser riding style but should be fine for twistys but difficult to use 165HP in twistys. Still think 700 etek would be perfect spooler for UPMI & WI trails for average rider. But to each his /her own preference.
 
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