Here is bit of information that was news to me and I think we all should know. It was sent to me by a friend in the insurance business and I found it very interesting.
If you have any customers who state they are members of a “Fish & Games Club” or the “BC Wildlife Federation” and they “already have liability for their ATV’s” included in their membership to their local clubs……
Your response should be:
1.) They are ONLY covered on Private Lands
-This does NOT included forest service roads, logging roads, back-country service areas, etc.
2.) They are only insured while in the act of hunting, fishing, etc.
-This does not include recreational/pleasure use of the ATV
-It must be shown that their intention is for hunting and/or fishing for their BCWF liability policy to cover them, once again remember…….they are not coverage on forestry roads.
It has come to our attention that when selling the ATV Physical Damage insurance not everyone is selling the ATV Liability coverage along with it.
Just to be clear, here are a few key points to help you in your client interactions!!
1.) Why Your Customer Needs Liability on Their All Terrain Vehicle:
a.) It is now mandatory for Everyone to carry TPL on ATV’s while operating on back-country forest service roads, logging roads, etc
b.) It will be up to a $600.00 FINE for no insurance
c.) It is not up to you to determine what is deemed a “forestry road”, your clients will have to check with forest services
d.) This policy will cover Bodily Injury and Property Damage to a third party if the insured is found legal liable for damages.
2.) Requirements, Eligibility and/or Qualifications to Purchase our ATV Liability Policy:
a.) Applicant has had their drivers license for a minimum of 5 years OR
b.) Applicant has owned an ATV for a minimum of 3 years and is over the age of 19 OR
c.) They must have attended a CSC Safe Operators Course and provide the Certificate OR
d.) They are a member of ATV BC (Quad Riders Association), refer to www.ATVBC.ca to purchase a membership
OK! Now once your client meets ONLY ONE of these requirements, you need to advise WHO IS AN INSURED?
3.) Insured Persons Under This Policy Are:
a.) The vehicle owner AND
b.) Insured’s spouse AND
c.) ***with permission and who meet the requirements:
i. any resident family member 15 years and older
ii. dependant children 15 years and older who are away at school
Like I said, this is information passed onto us by someone in the insurance business, we haven’t had a chance to look any further into this, if anyone out there can confirm this information to be accurate, or can add more info,please let us know.
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