Insuring Your All Terrain Vehicle
The question about whether or not an ATV owner is required to buy Liability for their ATV can be answered quite simply: Yes, if you operate your ATV on a back country road in BC it is highly likely that you will be traveling on a Forestry Road. Ministry of Forests and Range regulations require you to carry proof of liability insurance for your ATV. You will be asked to produce proof insurance by a Conservation officer, Forestry Enforcement officer or the RCMP. The fine can be well over $200.00 for failure to do so.
The Government of BC has many branches that govern access and behavior in the back country but the two that will effect an ATVer the most are:
a) Ministry of Transportation and Infrastructure, which governs Provincial Highways and highway rights of way
b) Ministry of Forests and Range which governs Forest Service Roads.
1. It is illegal to operate your ATV on any road or highway that is under the jurisdiction of the Ministry of Transportation and Infrastructure.
2. You can operate on B.C. Forest Service Roads but you must have your ATV insured to a minimum of $200,000 third party liability and must have a valid driver's license. Buy insurance
3. Insurance may not be required to operate your ATV on private or public lands and on private roads.
The following is an excerpt taken directly from the Ministry of Forests and Range website:
12 (1) A person must not operate or cause to be operated a motor vehicle or trailer, other than a motor vehicle or trailer described by section 2 (5) of the Motor Vehicle Act, on a forest service road unless
(a) the driver, motor vehicle and trailer are insured under a valid and subsisting contract of accident insurance providing insurance against liability to third parties in the amount of at least $200 000, and
(b) the driver carries written evidence, supplied by the insurer, of the insurance referred to in paragraph (a), or a copy of that written evidence, and produces it, on demand, to a peace officer or an official.
(2) Motor vehicles operated by the government that are subject to a government self-indemnification plan are exempt from the requirements of subsection (1).
[am. B.C. Reg. 354/2004, Sch. B, s. 2.]
13 (1) A person who contravenes section 3 (3), 5 (1), 6 (5), 10 (1) or 11 (1) or (3) commits an offence and is liable on conviction to a fine not exceeding $5 000 or to imprisonment for not more than 6 months or to both.
(2) A person who contravenes section 4, 6 (3) or (4), 7, 8 or 12 (1) commits an offence.
Please note that the information quoted above may change at any time. For a complete text of the Forestry Road Use regulations go to the Ministry of Forests and Range website.
Buying All Terrain Vehicle insurance can be a relatively easy experience if you take the time to check out the available options.
Factors that often affect the cost of your insurance are your location, age, experience, driving record, type and cost of the All Terrain Vehicle and accessories you own. The Capri ATV Insurance program provides a single low price to all applicants that qualify.
We offer a third party liability policy for your ATV that has limits up to $1,000,000.
The annual premium is $125.00 or if you are an ATV Club member, $100.00. This annual policy is available any time and is good for one year from the date of purchase. Buy Now
We also offer a seasonal policy that is only available after May 31st and which expires Dec 31 for $95.00.
We offer three coverage options for damage to your ATV (details):
Option 1: All Perils. (Collision, Upset, Rollover, and Comprehensive)
Option 2: Comprehensive only coverage.
Option 3: Basic Perils. (Fire, Theft, Attempted Theft, and Transit)
Our policy has no restrictions regarding theft of the insured unit under any coverage option. It is valid anywhere in Canada or the continental USA.
We offer Agreed Value as the basis of settlement on all of our policies. For brand new units the agreed value will be equal to the actual purchase price of the unit including taxes for the first two years. In subsequent years the value will reflect the current clean market value of the unit plus taxes upon renewal (or for used units). Under an Agreed Value policy, in the event of a total loss, we will pay the full amount that is indicated on the policy declaration page for that unit without depreciation.
In addition you can purchase our Trail Star package that includes up to $5,000 for a truck deck, lock re-keying, away from home expense limits and unit repatriation expense (details).
We offer substantial discounts to the organized ATV community:
- Up to 20% discount to current members of approved Motorsports Organizations such as a B.C. ATV club.
- 10% discount to ATV owners who have completed the Canadian Safety Council ATV Safety Course.
- 10% discount to owners of machines that have an approved ignition system immobiliser.
- Members can qualify for up to a 30% discount
- Non-members qualify for a maximum 10% discount.
To apply for physical damage coverage submit an application by email, fax or mail to our call centre. Or go to any of our approved sub brokers or dealer outlets.
For a free, no-obligation quote, use our online Quick Quote, or call one of our agents at 1-888-818-5821.
Changing market conditions require that our program must constantly evolve to maintain its stability. Please read the letter that accompanies the on-line application, or contact us and we will be pleased to answer all your questions.
Please direct any of your insurance questions to one of our qualified agents by calling 1.888.818.5821, sending us an email, or visit one of our offices.
Definition of an ATV:
An all-terrain vehicle (ATV), informally referred to as a 'quad bike' or 'quad', is a self-propelled vehicle traveling on four or more low pressure tires capable of travel on or off a highway.
It is an off road vehicle designed and manufactured specifically for off road use. The definition includes RUV's, UTV's, Argos, but does not include vehicles commonly referred to as Dune Buggys, or other home built / unlicensed 4x4 vehicles.
Physical Damage Coverage Definitions
"Basic Perils"covers against direct physical loss or damage caused by fire, lightning, theft or attempt thereat, windstorm, earthquake, hail, explosion, riot or civil commotion, the falling or forced landing of aircraft or of parts thereof, rising water, or the stranding, sinking, burning, derailment, collision or overturn of any conveyance in or upon which the Off Road Recreational Vehicle is being transported on land or water.
"Comprehensive" covers against all risks of direct physical loss or damage except loss or damage caused by collision with another object or by upset of the Off Road Recreational Vehicle while not on a conveyance (truck or trailer) used to transport it.
"All Perils" is the broadest coverage option and it covers against all risks of direct physical loss or damage not specifically excluded in the policy. It includes comprehensive and loss or damage caused by collision with another object or by upset of the insured unit.
TRAIL STAR - Optional coverage for all units being insured for Physical Damage:
- Lock Rekeying
The Insurer will reimburse you to a maximum of $1,000.00 for the cost of rekeying the locks or replacement of a coded key/tether for an immobilizer system on the Off Road Recreational Vehicle if the keys or coded key/tether are stolen. You must report the incident to the police within 48 hours of discovery and the police case file number is required. No deductible applies to this coverage enhancement.
- Increased Value of Truck Deck
General Provision Item 4 c) Off Road Recreational Vehicle Equipment is amended to read as follows: c) a truck deck designed to accommodate the attachment of the Off Road Recreational Vehicle to a transporting conveyance subject to a maximum limit of $5,000.00 in total.
- Unit Repatriation Expense
Additional Agreements of the Insurer Item d. is amended to read as follows: d. to indemnify the insured for expenses not exceeding $2,000.00 to make your Off Road Recreational Vehicle operational or to transport it to a repair facility. No deductible applies to this coverage enhancement.
- Travel Protection
In the event you are involved in an Off Road Recreational Vehicle accident, or if your Off Road Recreational Vehicle is stolen while you are traveling away from your home (outside your City of residence), we will reimburse you for the following: (a) the cost of additional living expenses (lodging, meals, transportation and phone calls) incurred due to damage to or theft of your Off Road Recreational Vehicle, subject to a maximum of $1,000.00 No deductible applies to this coverage enhancement.
- Temporary Substitute Off Road Recreational Vehicle
Coverage under this policy is extended to cover a substitute Off Road Recreational Vehicle provided that: If you make a claim under the All Risk, Comprehensive or Basic Perils coverage and are unable to use your Off Road Recreational Vehicle, coverage from your damaged unit is temporarily transferred to the rental unit, courtesy unit or borrowed unit. Temporary substitute coverage ceases as soon as repairs to your unit are completed.
- “Not At Fault” Collision Loss
If you make a “Not At Fault” collision claim under this policy, your deductible will be waived.
Where To Purchase ATV Insurance
Thompson / Okanagan:
Porter and McMillan Insurance (3 locations)
901 Victoria St
250 563 9217
150-5212 Domano Blvd.
250 964 4400
3839 West Austin Rd.
250 962 9217
253 Reid Street
Quesnel, BC V2J 2M1
Ph: +1 250 992 5559
Fax: +1 250 992 5564
186 West Columbia Street, PO Box 628
Vanderhoof, BC V0J 3A0
Ph: +1 250 570 4720
Fax: +1 250 570 4721