Off Road insurance on a dual sport

[marklar]

Hi Guys,

I recently bought a Husaberg Fe450 that is registered as a motorcycle and can be plated and driven on the street. I dont have my motorcycle license yet but want to take it out in the woods legally.
How would I go about insuring the bike for off road without classifying it as a an orv? Im worried I could lose the ability to plate my bike for the street if insured as an orv. Thanks:hb:

 

[tomcycle]

This is probably a better question for BCORMA. Do not register you bike as and ORV as I have heard that you may run into problems when trying to get it registered of on road use. Seeing you already have registration you should be OK, Only Off Road Vehicles have to show a ORV Plate. Your bike is technically a on road machine and they dont seem to worry about them? Make sure to carry your registration with you. Dont know about insurance?

Should be able to get some answers at the Motorcycle Show this weekend

TT

 

[filterx]

You do not need a class 6 to insure or plate your bike.

If I were you I would insure/plate the bike through your local insurance company or ICBC for a year with min on the bike and the 1 million PLI which will allow you to ride the bike anywhere EXPECT on the rode legally until you get your license. Your bike is registered and you do not need the ORV sticker

This will be more expensive BUT gives you a plate and you can then start your class 6 process which IMO you should do cus having your class 6 is awesome.

If you need me to clarify the above send me a PM

 

[hooter]

Not only is having a class 6 awesome, it's also pretty easy to get. $40 for a written test at the motor vehicle office (study online beforehand!) and you have your learner's license. Then do your skills test to remove the daylight and speed restrictions. That's all you need to get started.

 

[DirtClunker]

I dont have any specific offroad insurance for my plated dual sport. The cops told me if I have a plate and current insurance with ICBC, I am covered for offroad on FSRs and Crown land.

What am I missing for my plated bike?

 

[woofer2609]

I dont have any specific offroad insurance for my plated dual sport. The cops told me if I have a plate and current insurance with ICBC, I am covered for offroad on FSRs and Crown land.

What am I missing for my plated bike?

Nothing, I don't think. A trail pass is nice b/c you contribute to DSBC and BCORMA, and you could ride without plates if you trailer somewhere, but I think you're fine as is.

 

[farmerger]

Nothing, I don't think. A trail pass is nice b/c you contribute to DSBC and BCORMA, and you could ride without plates if you trailer somewhere, but I think you're fine as is.

The underlying premise here is that the bike is registered and has a plate identifying it; so if you got a road plate do NOT take it off.

To the OP, I think only the 2011 Hussies were brought in as a motorcycle, meaning yours most likely says RUM next to the VIN. If you switch it to ORV now you will never get it back on the road. As suggested, go get a class 6 and get the bike plated. Insurance is up to you, but there is some major confusion at ICBC and its agents as to what is required where. You need some kind of liability insurance to be on a FSR, but need nothing if you ride completely off road. Then there is the loading/unloading in a public place and crossing a road, again ICBC will sell you separate insurance for that if you go the ORV route. At the end of the day, it may not be the cheapest solution, but certainly the easiest one is to just buy minimum third liability from ICBC when you plate the bike, that way you are covered wherever you ride.

 

[filterx]

Nothing, I don't think. A trail pass is nice b/c you contribute to DSBC and BCORMA, and you could ride without plates if you trailer somewhere, but I think you're fine as is.

I agree keep the bike plated and insured and you can ride anywhere except a paved road or highway until you start your class 6 process.

With that said and part of the reason I got my class 6 was that at some point the people who enforce the laws could ask for your class 6 if they stop you on a FSR which is a public road. My bike is a NON street legal bike but is registered and I have the new ORV sticker, I have my PLI BUT them may still ask me for my class 6 which I believe they can or could do.

Bottom line for me is do not give up the street/road legal status of your bike for an ORV sticker