The problem your running into is the majority of Insurance Co's haven't set up there computer i.t.systems to recognize the difference between a 2 stroke/4stroke.. Traditionally Insurance Companies had a premium threshold of 799 cc and under for standard pricing, and for a 800 cc and higher, you'd get surcharged... now with 4 strokes having cc's exceeding 800, the Insurance Co computers don't recognize the 2 stroke/4 stroke difference in power....we as sledder's know that a 1049cc 4stroke is equal to a 600cc 2stroke, but the Insurance Co's computer system doesn't, so you get a higher premium with a 4 stroke (unfair)......the man hours and cost far exceeds the demand to fix (not enough sled insurance business) so when your getting a higher cost for coverage on a four stroke, this is why....I have 1st hand knowledge.
