Question for the BC Riders

Jim · 02-05-2010, 02:48 AM

Do you guys have insurance on your machines when you go riding? If so, where and how do you get insurance? From what I understand we're supposed to have liability insurance to ride on crown land?

katoranger · 02-05-2010, 08:17 AM

I think you are suppose to have it here too if you ride off private property. Usually it is pretty cheap.

I have insurance on the EZGO golf cart. It covers if anyone gets hurt on it and also if stolen. It was about $50 for a year.

Jim · 02-05-2010, 08:20 AM

Yeah, I'm pretty certain it's required, but for auto-insurance, our provincial government runs a monopoly on insurance, but I don't think they do atv's. Not sure if that would change if they start registering like they were thinking of doing.

katoranger · 02-05-2010, 08:30 AM

So insurance is expensive.

Jim · 02-05-2010, 09:36 AM

Quote:

Originally Posted by katoranger

So insurance is expensive.

In my opinion yes... Some people disagree... However when I insured my Lifan it was about $400 a year, and I hear common prices in the USA are $40 a year? (if you have a good record).

You have to get basic insurance from them. You can get optional insurance from a 3rd party, but to deal with that, ICBC lowered optional rates and raised basic rates.

You do have a chance to save some money though, you build up a discount, up to 43% I believe, so new drivers are automatically paying 43% more. You can get surcharges on top too, but either way I think it needs competition.

katoranger · 02-05-2010, 10:44 AM

Liability for my lifan was $75/year. It had its own policy. Some people do better than that. I think full coverage would have been about $150.

Jim · 02-05-2010, 11:03 AM

The 400 was just basic liability.

Weldangrind · 02-05-2010, 11:19 AM

I had a good chat with the local insurance agent, and he recommended that we buy liability insurance only as needed, when needed. Libility insurance is only required on Crown land in BC (like Jim says), but not on private property.

Since we're members of the Fraser Valley Dirt Riders Association, we have access to Nickelmine, which is private. I intend to research liability insurance through an alternate supplier, since it isn't ICBC that deals with off-road. Eventually I'd like to do some riding on the ATV trails near Ashcroft, BC.

katoranger · 02-05-2010, 11:42 AM

Wow, that is expensive. I pay that for liability on my truck for a year.

Jim · 02-05-2010, 11:46 AM

Oh I didn't realize that Nicklemine was private land. I don't know where to ride ATV's I only ever rode my Sumoto at my parents place. The only off roading I did locally with my Lifan bike was on the logging roads out by Hemlock and Harrison, but the bike had insurance since it was registered for the street.

suprf1y · 02-05-2010, 11:59 AM

Insurance in Canada can be very expensive.
I think a lot of it has to do with the coverages, and economies of scale in the US.
My KLX 250s is $25/mo full coverage.
I think it should be $25/yr.
We also need insurance for crown land in Ontario, and my RM125 (I have it only for the theft, but liability is included) is $6/mo.

katoranger · 02-05-2010, 12:03 PM

Those rates are not too bad. It does depending on you coverage too. I had pretty basic coverage.

phil · 02-05-2010, 01:24 PM

the rates on my 110 was 108 for full coverage, i know its funny but it was the same price for liability 8O

TurboT · 02-05-2010, 01:58 PM

Hey Jim,

I think the whole ATV insurance thing has been a bit grey area'd and muddled in BC, and they are changing it as of March this year, *I THINK*.

There was a news article in the Province newspaper about changes coming to ATV registration a few months ago. I'd keep an eye out for any updates.

Jim · 02-05-2010, 07:09 PM

Quote:

Originally Posted by TurboT

Hey Jim,

I think the whole ATV insurance thing has been a bit grey area'd and muddled in BC, and they are changing it as of March this year, *I THINK*.

There was a news article in the Province newspaper about changes coming to ATV registration a few months ago. I'd keep an eye out for any updates.

That's sort of the impression I got, last time I looked it was confusing... I knew I was supposed to have it on crown land, but had a hard time getting a straight answer on how to get it, since there was no real way to identify one atv from the next and since ICBC didn't deal with it. I figured if they get registered that will sort it out some what.

02-05-2010, 02:48 AM	#1
Jim Join Date: Mar 2007 Location: Abbotsford, BC, Canada Posts: 4,880	Question for the BC Riders Do you guys have insurance on your machines when you go riding? If so, where and how do you get insurance? From what I understand we're supposed to have liability insurance to ride on crown land? __________________ "Be excellent to each other" "We are all human. Let's start to prove it!"
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02-05-2010, 08:17 AM	#2
katoranger Join Date: May 2007 Location: Altamont, Kansas Posts: 15,103	I think you are suppose to have it here too if you ride off private property. Usually it is pretty cheap. I have insurance on the EZGO golf cart. It covers if anyone gets hurt on it and also if stolen. It was about $50 for a year. __________________ You meet the nicest people on a Honda Clone.
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02-05-2010, 08:20 AM	#3
Jim Join Date: Mar 2007 Location: Abbotsford, BC, Canada Posts: 4,880	Yeah, I'm pretty certain it's required, but for auto-insurance, our provincial government runs a monopoly on insurance, but I don't think they do atv's. Not sure if that would change if they start registering like they were thinking of doing. __________________ "Be excellent to each other" "We are all human. Let's start to prove it!"
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02-05-2010, 08:30 AM	#4
katoranger Join Date: May 2007 Location: Altamont, Kansas Posts: 15,103	So insurance is expensive. __________________ You meet the nicest people on a Honda Clone.
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02-05-2010, 10:44 AM	#6
katoranger Join Date: May 2007 Location: Altamont, Kansas Posts: 15,103	Liability for my lifan was $75/year. It had its own policy. Some people do better than that. I think full coverage would have been about $150. __________________ You meet the nicest people on a Honda Clone.
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02-05-2010, 11:03 AM	#7
Jim Join Date: Mar 2007 Location: Abbotsford, BC, Canada Posts: 4,880	The 400 was just basic liability. __________________ "Be excellent to each other" "We are all human. Let's start to prove it!"
	0

02-05-2010, 11:19 AM	#8
Weldangrind Join Date: Mar 2009 Location: Sardis, BC, Canada Posts: 25,977	I had a good chat with the local insurance agent, and he recommended that we buy liability insurance only as needed, when needed. Libility insurance is only required on Crown land in BC (like Jim says), but not on private property. Since we're members of the Fraser Valley Dirt Riders Association, we have access to Nickelmine, which is private. I intend to research liability insurance through an alternate supplier, since it isn't ICBC that deals with off-road. Eventually I'd like to do some riding on the ATV trails near Ashcroft, BC. __________________ Weldangrind "I figure I'm well-prepared for coping with a bike that comes from the factory with unresolved issues and that rewards the self-reliant owner." - Buccaneer
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02-05-2010, 11:42 AM	#9
katoranger Join Date: May 2007 Location: Altamont, Kansas Posts: 15,103	Wow, that is expensive. I pay that for liability on my truck for a year. __________________ You meet the nicest people on a Honda Clone.
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02-05-2010, 11:46 AM	#10
Jim Join Date: Mar 2007 Location: Abbotsford, BC, Canada Posts: 4,880	Oh I didn't realize that Nicklemine was private land. I don't know where to ride ATV's I only ever rode my Sumoto at my parents place. The only off roading I did locally with my Lifan bike was on the logging roads out by Hemlock and Harrison, but the bike had insurance since it was registered for the street. __________________ "Be excellent to each other" "We are all human. Let's start to prove it!"
	0

02-05-2010, 11:59 AM	#11
suprf1y Join Date: Oct 2007 Location: SW Ontario Posts: 408	Insurance in Canada can be very expensive. I think a lot of it has to do with the coverages, and economies of scale in the US. My KLX 250s is $25/mo full coverage. I think it should be $25/yr. We also need insurance for crown land in Ontario, and my RM125 (I have it only for the theft, but liability is included) is $6/mo.
	0

02-05-2010, 12:03 PM	#12
katoranger Join Date: May 2007 Location: Altamont, Kansas Posts: 15,103	Those rates are not too bad. It does depending on you coverage too. I had pretty basic coverage. __________________ You meet the nicest people on a Honda Clone.
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02-05-2010, 01:24 PM	#13
phil Join Date: Jun 2008 Location: wise va Posts: 636	the rates on my 110 was 108 for full coverage, i know its funny but it was the same price for liability 8O __________________ halls auto l coolster, modcycles, yanmar & zongshen, dealer fired roketa,lifan and jet moto and apollo quit me who's next
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02-05-2010, 01:58 PM	#14
TurboT Join Date: Sep 2008 Location: Surrey, B.C., Canada Posts: 2,185	Hey Jim, I think the whole ATV insurance thing has been a bit grey area'd and muddled in BC, and they are changing it as of March this year, I THINK. There was a news article in the Province newspaper about changes coming to ATV registration a few months ago. I'd keep an eye out for any updates.
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