Off Road Vehicle (ORV) Insurance FAQ | Capri Insurance

Off Road Vehicle Frequently Asked Questions

Snowmobile Liability

Q. What is third party liability insurance?

A. Liability insurance provides protection from legal liability that arises from the ownership or operation of your snowmobile. It covers both bodily injury (including death) of a third party and/or damage to their property caused by you.

Q. If I am sued as a result of an accident I have with my snowmobile who pays the legal bills?

A. Intact Insurance Company will pay legal fees for an eligible claim. If there is a court award the damages will be paid up to the occurrence limit of the policy. A deductible of $500 will apply to property damage claims.

Q. Who is insured under the Off Road Liability policy?

A. The person who applies for the insurance and anyone with a valid driver’s licence with consent from the registered owner.

Q. Does SLED SAFE Off Road Liability allow me to operate my snowmobile on BC Forest Service Roads?

A. Yes, and no. Unlike ATVs, snowmobiles are only allowed on unplowed forestry roads. The policy covers you wherever it is legal to operate a snowmobile.

Q. I have two snowmobiles. Does one Off Road Liability certificate cover both units?

A. No, you must buy a separate policy for each snowmobile.

Q. I want to travel to the mountains in Idaho. Does my Off Road Liability policy cover me there?

A. Yes, your unit is insured in Canada and the Continental U.S., providing it is being used where it is legal to operate the unit.

Q. I have liability on my home insurance. Does that cover the operation of my snowmobile?

A. No, unless you have one of the very few home insurance policies that will allow you to add your snowmobile to that policy. But it must be added, as coverage is not automatic.

Q. Where do I go for my BCSF membership?

A. To your local Snowmobile Club, directly to the BC Snowmobile Federation at 1.877.537.8716 or online at www.bcsf.org and click the “link membership form”.

Snowmobile Physical Damage

Q. Where do I go if I want fire, theft or collision coverage on my snowmobile?

A. Click ‘Get a Quote’ at the top of your screen to get a quote and follow the prompts to continue through to purchase your insurance.

Q. What is Physical Damage Insurance?

A. Physical damage is the policy you buy to protect against the loss of, or damage to, your snowmobile by fire, theft, transport or even collision.

Q. What options are available for physical damage coverage?

A. There are three levels of physical damage coverage available:
GOLD: All Perils ( Fire, theft, transit, comprehensive and collision),
SILVER: Comprehensive ( All coverage except collision) and,
BRONZE: Basic Perils ( Fire, theft and transit).

Q. I have purchased the Basic Perils coverage. Are there any restrictions on theft coverage?

A. No, theft and attempted theft are included in Basic Perils and there is no restriction on how that coverage applies. (Unlike other programs which have locked vehicle warranties or chain warranties). If you vehicle is stolen, no matter where it occurs, our theft coverage applies.

Q. Are there any restrictions on theft under All Perils policies?

A. No, your policy will provide full theft protection wherever you are in Canada or the Continental U.S.

Q. When does my Physical Damage Policy expire?

A. One (1) year from the effective date.

Q. How do I establish the value of my snowmobile?

A. If it is new, the manufacturer’s suggested retail price including taxes should be the insured value. Don’t forget to include the value of any attached equipment. If your snowmobile is used, the “Blue Book” value is used.

Q. Is aftermarket equipment covered?

A. If extra equipment is attached to the insured vehicle and the value of that equipment was included in the insurance limit purchased, it will be covered. It is highly recommended that receipts for the original purchase of the added equipment be kept and that photos are kept that prove the existence of the extra equipment.

Q. I have modified the engine on my snowmobile, am I able to insure the cost of the modifications?

A. No. Any internal modifications to your snowmobile engine are not insured.

Q. I have installed an aftermarket turbocharger on my snowmobile. Am I able to insure the unit?

A. Yes, although a proof of purchase is required.

Q. Can I use my vehicle for business and have coverage under this policy?

A. Yes, but only under certain circumstances. Please contact us for details.

Q. I have 3 speeding tickets in the past 3 years. Can I qualify for this program?

A. No. Eligibility for the program requires that you have no major violations, and no more than 2 minor Motor Vehicle violations.

Q. What about claims? I have had one theft claim in the last 3 years.

A. You are allowed one claim of any type except a collision claim. If you have had a collision claim within the last three years you will not be able to qualify for the program.

Q. If my unit is a total loss what can I expect to be paid when the claim is settled?

A. The Capri Insurance Physical Damage policy has a basis of settlement that is termed “Agreed Value”. This means that if your unit is a total loss you will receive the full insured amount for that unit. It is important to note in this circumstance no deductible applies.

ATV/Dirt Bike Liability

Q. What is third party liability insurance?

A. Liability insurance provides protection from legal liability that arises from the ownership or operation of your ATV/Dirt Bike. Third Party Liability insurance covers both bodily injury (including death) of a third party and/or damage to their property caused by you.

Q. What is the limit of insurance on the liability certificate?

A. Up to $1,000,000.00

Q. What Insurance company provides the Off Road liability policy?

A. The policy is arranged by Capri Insurance on behalf of Intact Insurance Company of Canada.

Q. Does the policy cover business use?

A. No, the Third Party Liability offered under this program is designed for personal recreational use only.

Q. If I am sued as a result of an accident I have with myATV/Dirtbike who pays the legal bills?

A. The insurance company will pay all defense costs plus any settlement up to the limit of the policy, minus a $500.00 deductible for a property damage claim.

Q. When does the liability policy expire?

A. The certificate expires 1 year from date of purchase.

Q. Does the Off Road Liability allow me to operate my ATV/Dirtbike on BC Forest Service Roads?

A. Yes. The policy meets the requirements of the Ministry of Forests Road Use Regulations and providing you have a valid driver’s license, it allows you to travel with your ATV/Dirtbike on Forestry Service Roads.

Q. I have the Off Road Liability policy on my ATV/Dirtbike, am I covered if I use another person's ATV/Dirtbike?

A. Yes, providing it is only temporary use.

Q. I have two ATVs/Dirtbikes. Does one Off Road Liability certificate cover both units?

A. No, you must buy a separate policy for each ATV, UTV or RTV.

Q. I want to travel to the dunes in Oregon. Does my Off Road Liability policy cover me there?

A. Yes, your unit is insured for operation within Canada and the Continental United States.

Q. I have liability on my home Insurance. Does that cover the operation of my ATV/Dirtbike?

A. No.

Q. Can anyone purchase the ATV/Dirtbike Offroad Liability?

A. Yes, as long as you meet the minimum requirements for experience. ‘Experience’ is defined as (a) the applicant has had their drivers license for a minimum of 5 years OR (b) the applicant has owned an ATV/Dirtbike for 3 years or more and is over the age of 19. If you, the applicant do not fit into the definition of ‘experience’ as noted, it is a mandatory requirement that you must have attended a CSC Safe Operators Course and your valid Certificate Number must be provided where indicated on the application. ATV/Dirtbike Club Members are exempt from these requirements.

Q. Is there coverage for the Operator of the ATV/Dirtbike if injured in an accident?

A No, accident benefits are not part of the Off Road Liability Policy.

ATV/Dirtbike Physical Damage

Q. What is Physical Damage Insurance?

A. Physical Damage is the policy you buy to protect against the loss of or damage to your ATV by fire, theft, transport or even collision.

Q. What options are available for physical damage coverage?

A. We have three different options:
• BRONZE: Basic Perils (covers fire, theft and transport)
• SILVER: Comprehensive Only (fire, theft, vandalism, malicious damage, transport excluding collision)
• GOLD: All Perils (which includes collision damage, rollover damage, fire, theft, vandalism, malicious damage, transport)

Q. I have purchased the Basic Perils coverage. Are there any restrictions on theft coverage?

A. No, there are no restrictions on theft coverage. The policy coverage territory includes Canada and Continental USA.

Q. When does the policy expire?

A. One (1) year from the date it is made effective.

Q. How do I establish the value of my ATV/Dirtbike?

A. If it’s new, the purchase price including taxes will be the insured value. Don’t forget to include the value of any attached equipment. If your ATV/Dirtbike is used, the Blue Book value will be used.

Q. Is aftermarket equipment covered?

A. If extra equipment is attached to the insured vehicle and the value of that equipment was included in the insurance limit purchased, it will be covered. It is highly recommended that receipts for the original purchase of the added equipment be kept and that photos are kept that prove the existence of the extra equipment.

Q. Can I use my vehicle for business and have coverage under this policy?

A. Yes, but only under certain circumstances. Please contact us for details.

Q. I have 2 speeding tickets in the past 3 years. Can I qualify for this program?

A. Yes. Eligibility for the program requires that you have no major violations and no more than 2 minor motor vehicle violations.

Q. What about claims? I have had one theft claim in the last 3 years.

A. You are allowed one claim of any type except a collision claim. If you have had a collision claim within the last three years you will not be able to qualify for the program.

Q. What if my ATV/Dirtbike is a total loss as a result of an insured incident?

A. The unit is insured for Agreed Value. Agreed Value is the amount shown on your policy for your ATV/Dirtbike. In the event of a total loss you will receive the amount shown on the policy, no deductions will be taken for depreciation and no deductible will be charged. If your ATV/Dirtbike is insured for $12,000 and is a total loss, you will receive $12,000 if your intention is to purchase a replacement ATV/Dirtbike.

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