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When life takes you off the grid, ride with abandon! Specialty vehicles need special insurance coverage. Let us help you interpret the rules.

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.

Off-road vehicles

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
  • Snowmobiles
  • All-terrain vehicles (ATV)
  • Trucksters
  • Restricted use motorcycles (RUMs)
  • U-bilt vehicles and trailers
  • Farm trucks

For more information on the requirements for registering, displaying a number plate, licensing and insuring an ORV, visit us or call one of our auto insurance advisors at 604.255.4616.

Questions? We’re here to help.

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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

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