Insurance

[Depot]

so anyone here have offroad specific insurance that cares to give details on it? who u use, how much, requirments, etc?


D

[neb]

I called my insurance company, they said no, it would have to be insured as what it is eg sidekick, any modifcation would be classified as a custom and it would be big bucks.

[JoeDirt]

good topic to bring up,I know I had insurance on my quad when I had it and on certain trails there would be police there asking for it.I had to have the off road "green"plates that came with it.No idea how it would work with zooks off road,I know there is a storage coverage thats about 100 a year that covers fire and theft only.Im thinking you might be able to regester your rig as a off road vehicle and get incurance that way.It would cover stuff like if you damaged a persons fence and so on.Probably best to call around about this.

[Canadian_zuk]

...I know there is a storage coverage thats about 100 a year that covers fire and theft only.

This is Comprehensive only. Mine is $8 month. ($96/year)



.It would cover stuff like if you damaged a persons fence and so on.Probably best to call around about this.

What you describling here is PL & PD (public liability & property damage). Two totally different levels of coverage. The second is what you need, and is the one that costs the $$$.

[szabotage]

so anyone here have offroad specific insurance that cares to give details on it? who u use, how much, requirments, etc?


D

still on the lookout for offroad insurance, eh? I remember the thread from a year or so ago on the topic that you posted and with quite a few pages of feedback on the subject. I don't remember anything getting resolved from it either.

I'm still interested to find someone as well especially after my run in with the law about a year ago after offroad camping on quinn lake. I eventually found a way to get around it and seems to work for me but may not be very legal.

[JoeDirt]

the way I look at insurance is it is organised crime!! they clam they need more money from you and there making billions in profit every year,I have legit insurance myself but why isnt anyone including the government stepping in on these outragious prices? They pay way less then us in Quebec,why is that? why not just wait and see if somthing happens to your vehicle,stolen or caught on fire,then get insurance,then about 1 month l8r clam it ffs.im tired of getting burned by these pricks.Im sure all might not agree but to bad,thats the way I feel. :cuss:

[frwinks]

I think the original post was referring to "offroad only" insurance ;) obtainable only through OVO, NL as group insurance policies. It only covers you during club events and such.

for STREET insurance for your modded vehicle, contact:

Linda Kresina
linda.kresina@hubinternational.com
Phone: (905) 847-5500 Ext. 247
Toll Free: (800) 263-2383
Fax: (905) 847-6613

keep in mind STEET insurance only covers you on assumed rds (modded or not). As soon as the tires touch dirt, yer SOL ;)

[szabotage]

I'm not sure on the details of the ovo's insurance policy but as a member I don't have any pink slips to show the police that I'm allowed to wheel the trails.

to my understanding the ovo's insurance policy covers group trail runs in the event someone gets hurt. not vehicle coverage. maybe I'm wrong tho, anyone care to clear the air?

[frwinks]

yes, I believe it's liability, same as NL.. I know Linda has been working on similar group ins. policy with Dominion. no pink slips, although NL starded to send out usless cards to ppl who pay the $10

[Zukinator]

yes, I believe it's liability, same as NL.. I know Linda has been working on similar group ins. policy with Dominion. no pink slips, although NL starded to send out usless cards to ppl who pay the $10

Yes the OVO is liability only. and only at club events. i.e. group runs etc. but this is not recognized by police or anyone else as insurance as far as allowed to be on any public land/road.

I decided to go the route of insuring my samy legit. That meant I had to get it saftied. So I did that, and now I have that piece of pink paper.. Cost for me is about $580 per year for ins.. They know it is modified, which makes me legal if I ever get in an accident, I don't have to worry about being sued.... Biggest prob for most of us is the safety part..

Tim

[TheSarg]

They know it is modified, which makes me legal if I ever get in an accident


Just out of curiousity, is it an agent or a broker you deal with?
If it's a broker, does the insuring party know or just the broker?
And if it's an Agent, whut company??

[Zukinator]

Just out of curiousity, is it an agent or a broker you deal with?
If it's a broker, does the insuring party know or just the broker?
And if it's an Agent, whut company??

I deal with a broker, but he made sure the ins. co knows about the mods. I say this becuase he had to search around for me and use another company that the rest of my vehicles, house etc. are not with to find one.

Downfall I fell into by going this route is for him to find me a company that will insure it, I had to pay a one lump sum payment for the year... since it is not someone he normally deals with:beatup: ..

There are otehr company that will deal with insurance on modified trucks, we have one ehre in Ottawa, Palladium Ins. Tim somone who if you transfer everything over to him, will insure you knowing it is modified..

tim

[Fullload]

Tim somone who if you transfer everything over to him, will insure you knowing it is modified..

tim


There is always a catch.


You see i get good rates with my regular vehicles etc... but sourcing a company that wants all of my buisness and charge me a higher rate on these vehicles just cause i want one modified vehicle sounds shitty to me.


Kinda like a automotive blackmail.:roll:

[MuddMachine]

There is always a catch.


You see i get good rates with my regular vehicles etc... but sourcing a company that wants all of my buisness and charge me a higher rate on these vehicles just cause i want one modified vehicle sounds shitty to me.


Kinda like a automotive blackmail.:roll:

Dont knock it till you try it, it might work out for ya.

[Depot]

I've looked into that route - it didnt work out. Moving everythign I had made everythign more expensive and not by just a hundred bucks and then they started getting picky with blanket limit coverages for everything I insured so if I did suffer a massive loss and lost everything, i wouldnt get even close to what its all worth cuase of the blanket limit etc etc.

personally, im keeping with the OVO off-rad only insurance and if and when mr snowmobiler OPP nails me.. I'll be taking it to court and see what haps.

D

[szabotage]

personally, im keeping with the OVO off-rad only insurance and if and when mr snowmobiler OPP nails me.. I'll be taking it to court and see what haps.

D

so if and when it happens, what kind of arguement would you be ready to present to the justice?

I came close once to getting fined for no insurance on the trails. given the option of paying 5000 dollars+10 or 15%court fees or a 70 dollar tow 15K down the road I chose the tow. so I missed my chance at persuading the courts.

[Zukinator]

There is always a catch.


You see i get good rates with my regular vehicles etc... but sourcing a company that wants all of my buisness and charge me a higher rate on these vehicles just cause i want one modified vehicle sounds shitty to me.


Kinda like a automotive blackmail.:roll:

I did a quote with that company.. and it has been a while, but my regular vehicles were comperable (I think a little less) then what I pay now. The Sami was a bit more then I pay now.. the only thing that became an issue was hoem insurance, was more (by a few hundred) cuz of my wife working a daycare from home.. I didn't have any blanket sh$t to deal with...

Tim

[Buggy]

Is there anyway to get around with having no insurance?i been looking into for some friends around here that run just old beaters but the problem if you get caught big fine with no reg,insurance,and mvi.here in N.B you have to have insurance on sleds and atv(unless your running the atv yourself on your own property you dont need it insured just regesterd)a 2 wheels bike or argo or off road buggy you dont need insurance just the $16 regestaion and no mvi so if you regester your buggy as off road you dont need insurance or an mvi BUT if you get caught runing it you get the basic fine like driving a atv on the road and probly have to have it towed its better then losing your licence and a fine for no mvi and insurance,this was a loop hole i found a while ago and could of changed and might be something you cant do.i never went as far as doing it to see if you could because my buggy is a daily driver and i have full insurance on it.this might be a waste of someones time but if you can do it for 16 bucks it might save someone alot of cash if they run a $500 buggy in the woods?

[Depot]

In a simple answer, no. Unless u r on ur own private property or a buddies with their permission, u have to have insurance.. period. i dunno what the rules are like out in NB but here in ON we need vehicle specific insurance for our 4X4's be it dailys or trailer queens.. a serious ongoing problem for many of us.


D

[twistedzuki]

so depot u put on one of those small green plates like on a quad and you still cant insure it?? and how did u change your ownership over from the green on road to the brown offroad ownership?? i would like to do the same also so maybe i can find insurance also,,or at least try to find someone to insure it!!

[Depot]

The reason I put the off-road plate on my rig was so that I could park it legally in my backyard... probs with neighbours and city resulted in me not being allowed to store "garbage" on my property. I had to have a valid plate with a valid sticker to be able to park in rear. it had a plate but no way would it pass emmisions to get safety and it had been so long since I had a sticker I needed a safety too.

I walked into an MTO office and asked for an offroad plate. it took almost 2 hours to sort it out. Its registered as an off-road dune buggy cause thats the only class it came close to fitting in. I had to provide a letter stating modifactions I did to the vehicle (like engine, axels, rollcage etc) and state that it was no longer road worthy and would never be on any roads. it made life easier that my zuk was plated b4 and was in my name and I still ahd the ownership to prove it.

Mind u, Ive had MTO officers tell me that it is illegally plated despite what the liscencing office did and they are just a bunch of idiots that dont know better... how do like them apples?

I still havnt been able t find insurance in Ontario for a dune buggy now either... funny, i havnt found many dunes either :roll:

gl

D

[Buggy]

i know diffrent places have diffrent laws but in n.b were behind time we dont even have emision tests yet.if you run a atv or sled you must have insurance i do belive because of the goverment trails a motocross,argo,or off road rig(not sure what the consider off road?vw railcar?)you dont need insurance just the 16 reg. for a atv it like 42 bucks or so i guess to help pay for trail keep up?and if you can get away with this and you get caught your still going to get a fine just not as bad me myself for all i know it might be a waste of time?

[Depot]

Whats the "16 reg" uve mentioned?

D

[Buggy]

sorry i get lazy sometimes registration i had a friend get nailed once driving in the woods took his licence fined him for no registration no mvi and no insurance cost him big bucks we been trying to find a loop hole to lessen the fines but like i said could be a waste of time

[fullspectrum]

I still havnt been able t find insurance in Ontario for a dune buggy now either... funny, i havnt found many dunes either :roll:

D Raglan, north of Oshawa has huge dunes :D

but seriously, I think the cops and insurance companies would rather have us all dissapear... :thefinger If you have street insurance will the cops still give you the wopping $5000 fine for no offroad insurance on the trail or is it a little fine cause you still have the third party laibility with the street insurance. Even if it's been turned into a buggy at least the cops technically cant give you the Wopper... just a thought...

[JamesB]

SO let me get this straight .. no only do we need on-road insurance if we are going to drive our rig to the trails, we need off-road insurance too?!

WTF !? ?!

[Depot]

yep.. all motorized vehicles require liability insurance if driven on public or crown land.. that includes atv's, snowmobiles and off-road trucks.

D

[MuddMachine]

SO let me get this straight .. no only do we need on-road insurance if we are going to drive our rig to the trails, we need off-road insurance too?!

WTF !? ?!

You need liability, period.

[JamesB]

Ok, so the liability is not an issue - I would have it on my rig(s) simply as a matter of getting the vehicle to the trail.

I misunderstood - I thought you needed both on and off-road insurance.

[Depot]

hey JB, read back and search around, u'll find this topic beaten to death already.. ur on road insurance (whether it be full ins or just liability) does not cover u once u leave the road. And if ur broker tells u it does, he is prolly stuck on stupid and dont know better.

U need off-road specific liability when wheeling.

gl

D

[Zukinator]

As depot said, you are not covered for offroad, but if you join a club (i.e. OVO) and pay yer dues, and are on a club run (i.e. any trail ride with club folks) you are covered under the club insurance policy (liability anyway).
tim

[JamesB]

I definately plan to join the club when I have a rig!

I just have to find an insuring party now for when I go with my buddies on a non-club run.

[Canadian_zuk]

Contact Primmum Insurance. You can get online quotes for reg ins. But need to call for off road specific ins. They hold the policies for my quad and Toyota.

Here: http://www.primmum.com/en/home

[MuddMachine]

As depot said, you are not covered for offroad, but if you join a club (i.e. OVO) and pay yer dues, and are on a club run (i.e. any trail ride with club folks) you are covered under the club insurance policy (liability anyway).
tim

But the club insurance isnt recognized by the boys in blue. They wanna see a pink slip.

[Depot]

But the club insurance isnt recognized by the boys in blue. They wanna see a pink slip.

This is true. Club insurance covers groups and recognized events. The boys in blue and the Insurance Act require vehicle specific coverage so that means pink slips and policies that show the vehicles VIN #. That goes for quads and bikes etc etc.

i have club insurance and i feel that im adequatly covered in case something ever happened but I also realize that if and when i get stopped, im getting a big fat ticket that I'll have to take to court and pray.

D

[szabotage]

your gonna need more than prayers, maybe even a good lawyer. the courts don't seem to look too kindly to inurance offenders. and given your situation may not give you much leeway. if you plan to tell the courts that you can't get insurance because your vehicle is not recognized under the HTA and no ins. company will sell it to you they'll tell you tough shit. if you want to argue why we're not covered in the HTA settle it in a separate case. or present it formely to a justice or whoever changes the laws.

I"ve got the ticket for no insurance. not fun and I came close to a second time while on the trails. the first time was 4yrs ago when I lived in the country. fixin my car I took a few random test drives up and down my road. keep in mind this is a country dirt road. cop pulled up right behind me and pulled me over pretty much in front of my house. In my sincerest voice I explained my situation to the young female officer of the law but wouldn't budge. I even mentioned that I already own a vehicle that is properly insured so my intentions of driving the current vehicle was soley for the purpose of testing and not joy riding. still wouldn't budge. so instead of writing me the ticket, and pushing my car onto my driveway, she calls in a tow truck to take it to an impound yard. the tow truck even got stuck in the soft shoulder of the road and had to pull it out with my samurai that wasn't even insured! but she didn't notice. I even brought ice tea out for everyone since my house was right there and the cop even played with my dog while we tried extracting the tow truck. 150 bucks to release and another 70 bucks to tow it home not to mention the stereo get stolen out of it as well. I gave that bitch of a cop a the biggest guilt trip I hope.

anyways, in court I explained the situation again as sincere as I can, and all I got out of it was a reduced fine from 5000 to 3500. later on they tack on another 700 bucks for court fees. I stressed that I do not have a history of this and have a clean driving/criminal record. :vio: but anyways, this goes to show you how lenient the courts can be. maybe I just got a bad judge, maybe he was in a bad mood, I dunno. I hear if you go with points or a similar law firm they can drop the fine down significantly cuz they are sucking the judge's dicks or something. makes you wonder who the real crooks are out there.