Insurance update

[Rustic]

Insurance Update:

BCORMA /OASIS Insurance language updated to read inclusion of Dual Sports for offroad liability if
-Not currently road insured through ICBC
-and (obviously) only when ridden offroad.

***The problem is if you cancel your ICBC on road insurance you must surrender your
liscense plate, so you MUST allow it to expire. Unfortunately at this time there is no other option but we continue to work on it.

I highly recommend the BCORMA PLATINUM TRAIL SUPPORTER, this increases liability from min 250k to 2mil, supports BCORMA efforts (Yea, all those funds your club gets from Gov come through BCORMA efforts) and you can name your club to get part of the trail pass funds.

Bonus buy on Nov 1 or after and get covered for all of 2022 as well. $170 well spent. Be covered for any two wheel bike you have or borrow offroad.

USE THIS LINK FOR MAXIMUM BENIFIT.... https://secure.insuretoys.ca/bcorma/purchase

Second bonus they offer optional rider medical accident coverage as an add on check it out.

Picture below is language if you buy direct from OASIS Got Toys program just to illustrate the inclusion of Dualsports, the direct link reads different but still includes it. (Got Toys is maybe how you should go if you also have a quad or sxs)

The Platinum Trail Supporter & $2 million Third Party Liability prices are: purchased Oct 1st, 2021 – April 30, 2022: $170; purchased May 1 – July 31, 2022: $150; purchased August 1st – December 31, 2022: $125 Optional Accident Benefits can also be purchased, please see application for additional premiums. Current price charged by Oasis is already adjusted.

 

[bkoz]

Insurance Update:

BCORMA /OASIS Insurance language updated to read inclusion of Dual Sports for offroad liability if
-Not currently road insured through ICBC
-and (obviously) only when ridden offroad.

***The problem is if you cancel your ICBC on road insurance you must surrender your
liscense plate, so you MUST allow it to expire. Unfortunately at this time there is no other option but we continue to work on it.

Good to hear. I was just looking into this earlier this week as my EXCF street insurance was up for renewal.

To clarify all a rider needs to do is have the BCORMA/OASIS insurance and then let the ICBC insurance time out. The rider/bike will than be covered on FSR's and crown land only.

When I need the bike back on the street I just have to renew the ICBC insurance and put a new sticker on the plate.

And the above is all covered by the BCORMA/OASIS Bronze plan correct? I don't need the Platinum plan.

 

[Rustic]

Yes, that us the correct process. You expired plate covers your registration for offroad instead of the offroad plate. . You can go with the Bronze plan and that keeps you legal on any two wheel being ridden off road

 

[tomcycle]

Just thinking out loud here. Is it a requirement to have a road registered vehicle (ie dual sports) display registration plates when using FSRs? Why I ask is I see logging equipment that stays off the highways do not have plates displayed.

 

[Rustic]

Yes the act is very clear the liscense plate or sticker must be displayed in particular locations on the bike....

The metal number plate or sticker must be clearly visible on the front, back or left exterior of the vehicle and securely fastened in a horizontal position. In the case of off-road motorcycles, a sticker may be attached in a vertical position on the left front fork with the first number/letter at the bottom of the fork.​

The ORV number sticker plate and the ORV metal number plate are required to be securely fastened to the ORV.

 

[tomcycle]

Yes the act is very clear the liscense plate or sticker must be displayed in particular locations on the bike....

The metal number plate or sticker must be clearly visible on the front, back or left exterior of the vehicle and securely fastened in a horizontal position. In the case of off-road motorcycles, a sticker may be attached in a vertical position on the left front fork with the first number/letter at the bottom of the fork.​

The ORV number sticker plate and the ORV metal number plate are required to be securely fastened to the ORV.

Perhaps I am not making myself clear, you are using the ORV regulations, but our DS Bikes are not registered as an ORV.

So to try and make my question clearer, does a "non ORV" have to display a plate? I know I am splitting hairs here and personally I am not worried about not displaying a plate as I have proof of reg on the bike. Not to mention I usually let my insurance run out so I often have a plate at the end of the riding season.

 

[Rustic]

Well this is how I would approach that when I am in an enforcement role and expect others would as well...

You must display your plate correctly when insured for public highways, the minute that insurance is expired you are relying on your icbc on highway registration to to cover you offroad so that plate being accepted as equal to Off Highway Registration you must display it as normal under motor vehicle act just as an ORV plate would have to be displayed.

So I would issue written warning of non compliance, many others who make a carreer out of enforcement and are not thrust into it as part of another role would issue the ticket I am sure. Us Rec and Fire guys are more interested in long term compliance than collecting fines

Just my opinion, I have been proven wrong before, but I'll ask

 

[tomcycle]

I just reviewed the regs (ORV act, Industrial Road act, Motor Vehicle Act and Resource Road Act) and yes there is a little something for us in all this law making. Anyhow is seems we fall in a grey area that no one really thought to much about. The simple problem is ICBC will not issue a "registration only" plate to a street legal vehicle. However we can keep our plate and registration if our insurance lapses?

I would think it would be easy enough for ICBC to issue a blank plate (no decals) to those of us that require a plate after cancelling insurance. But like all things government I am sure there is a regulation preventing this. like I said just thinking out loud again, then answering my own questions.

Good luck BCORMA in getting the changes required for DS bike, I would be a big feather in you cap with DSBC members and all DS bike owners in BC

Pic of my sad plate for attention