What is a specialty vehicle?
Under ICBC rules there are special requirements for insurance for all-terrain vehicles, snowmobiles, dune buggies and other off-road vehicles (ORV). An owner will need basic insurance if you operate an ORV on a highway. A person must be 16 years old to operate a vehicle with this coverage. You may need liability coverage for your off-road vehicle, or want protection in case it’s stolen or in a crash.
If you operate an ORV on or across highways, you’re required to obtain ICBC’s Basic Insurance. If you operate an ORV on forest service roads, you’ll need $200,000 in third party liability insurance. This may be obtained from ICBC or other insurers.
On all other Crown lands, liability insurance is voluntary but recommended.
ORV registration with number plate display is mandatory on Crown land, including resource roads. An off-road vehicle is designed for off-highway use and does not meet safety standards for on-highway use. In the event that you want to operate your off-road vehicle on a highway, you will need to register, get a plate, a licence and insurance.
Types of off-road vehicles
The following are the eligible ORV vehicle types:
- Golf carts
- Snow vehicles
- All-terrain vehicles (ATV)
- Restricted use motorcycles (RUMs)
- U-bilt vehicles and trailers
- Farm trucks
Questions? We’re here to help.
You may need:
We’ve got you covered for ICBC Autoplan or private insurance.
Collector Car Insurance
Get the right insurance protection for your vintage vehicle.
Get the correct coverage for your home with our proprietary risk strategy service.
Specific marine insurance gives you many more benefits for boat damage claims and liability.
We're a hot rod car club in the Lower Mainland and have been using Reliance for all our coverage needs. From hosting car shows to swap meets, Reliance has helped ensure we are covered and protected in case something happens. We highly recommend this office.
— Rob Petty
Tips for driving electric cars in winter
Tesla and other electric cars are popular in Canada The fall season has hit us with heavy rains and soon to be snow falls. The […]
Ride hailing insurance risks – passengers & drivers
Ride hailing insurance risks. Over the past few years, Lyft and Uber, popular ride-hailing companies, has expanded its operations into a handful of Canadian cities. […]
World class custom car designer from Abbotsford, BC
World class custom car designer Rod Nielson was introduced to cars at a young age, following his Dad around building North American muscle cars in […]