Dual Sport Insurance for Off Road Use

[cactusreid]

hey Coolio! My first solo photo post on DSBC ! Finally a simple system for photos!!!YAY! Sorry back to the topic at hand.

 

[farmerger]

Tomcycle I'm picking up your reasoning for insuring your DS bike/s with off road only liability for the entire year. Cheap and it makes sense. BUT, my understanding has been that you also need an off road decal or an off road plate in order to be fully compliant when your in off road mode? This is the issue a lot of guys are and have had! They want to ride their one and only dual sport as a "dirt bike"-off road in the fall/winter/spring and only insure it as an on road dual sport for the summer months. But it seems under the current rules, you can't do this with one bike! Unless your willing to go through the crappy tire reinspection and cost at least once every year, so those pro's can re certify your motorcycle as being street legal.

I think if you kept on your on-road plate and bought off-road insurance you would be ok. After all, the on-road plate is really an on/off-road plate. So the trick is too not cancel your on-road insurance, because if you do they take your plate. Just let it run out, keep the plate, and pick up off road insurance. Then you are registered, plated and insured. Not sure what could be found wrong with that.

 

[tomcycle]

Tomcycle I'm picking up your reasoning for insuring your DS bike/s with off road only liability for the entire year. Cheap and it makes sense. BUT, my understanding has been that you also need an off road decal or an off road plate in order to be fully compliant when your in off road mode? This is the issue a lot of guys are and have had! They want to ride their one and only dual sport as a "dirt bike"-off road in the fall/winter/spring and only insure it as an on road dual sport for the summer months. But it seems under the current rules, you can't do this with one bike! Unless your willing to go through the crappy tire reinspection and cost at least once every year, so those pro's can re certify your motorcycle as being street legal.

I can not say for sure, but the requirement is you need a registered vehicle. Of course I register my bike as a ds bike with ICBC and get my basic insurance. This gives me a plate I do not have to turn in after the insurance runs out. The plate is not proof of registration, your registration documentation is. I can not get confirmation from anyone that this is good enough. If you see the off road logging trucks on FSRs you will notice they do not have plates, but they are required to carry insurance. I am following that lead for my DS bike.

 

[sarwatalp]

In the past when I thought I was not going to do any "on road" riding with my Dual Sport bike, I purchased off road insurance from Oasis. Today May 12 2020 I finally thought it was time to insure the bike to ride off road only but I need insurance for FSRs. I contacted Oasis and found that they can no longer provide this insurance.

Turns out because both of my Dual Sports are registered as on road vehicles that I can only buy my basic insurance from ICBC then I can add optional insurance if required (Oasis does not offer any coverage for street registered vehicles in BC)

So any of you out there running with Private off road insurance on you street registered Dual Sport, make sure that you are being covered by your insurer. It woiuld suck to pay money for something you dont even have (like insurance)

So its off to ICBC to cut loose with the cash.
?

i'll also want to insure but getting different rates because of the type of insurance, which insurance company you have chosen btw? i am getting different quotes but want reviews before selecting one

 

[Rustic]

Simply the best route if you have the expired plate for liability offroad for a Dualsport is Oasis for the required offroad liability, most others won't insure a dualsport unless you register it as a Offroad bike and then you need an inspection to go back to street use

 

[jaiq]

I think if you kept on your on-road plate and bought off-road insurance you would be ok. After all, the on-road plate is really an on/off-road plate. So the trick is too not cancel your on-road insurance, because if you do they take your plate. Just let it run out, keep the plate, and pick up off road insurance. Then you are registered, plated and insured. Not sure what could be found wrong with that.

Which company do you recommend for on-road insurance and what are you currently paying for that, Let me know so i can process according to your recommendation

 

[offworlder]

If dual-sport, you have to use ICBC for the basics , but you'll want to use Beacon for everything else.

 

[Kimberly]

Hello,
This thread is a bit old but I'm hoping someone can help me clear something up.
I have a small dual purpose honda xl100s that is used on & off road & is registered as an "open motorcycle"(street plate) street legal has turn signals Yada yada...I purchased 2million liability and theft with ICBC. done no problem....I was talking with the insurance agent and just casually said we go off roads sometimes and I was told that I am not covered on Forest service roads with ICBC and that I would need to purchase "off road" separate insurance. This is news to me as I have had many dual purpose bikes in the past without any issue going on or off road with my ICBC insurance just as long as I HAD insurance.
(I am fully aware of dirt bike liability insurance as I have a YZ250 with liability insurance with Oasis/got toys)
Has something changed that I just don't know of? or is this particular insurance branch confused?

Edit——— just talked to another insurance agency and they said ICBC insurance was enough to go off road as well as on road as this is a legal motorcycle with ICBC insurance.

Mystery as to what the other insurance agency was talking about. I definitely will not be going back to that company I went to originally as they were also rude to me and got really defensive saying I was wrong. They were trying to say that it’s an ORV…as well as a on road motorcycle which I would have to pay 2 different insurances.