Insurance 

Forest Recreation & Services Act

Quote from Greg Soo from Quads.ca

"Even though there is no law in BC at this time stating that you must wear a helmet and you must not double, you still may be required to wear a helmet and not double.

If you are riding on a forest service road (FSR), you require $200000 of third-party liability insurance (and a valid driver's license). You can get your insurance through a few sources, the least expensive of which are OASIS and Capri. To the best of my knowlege, the insurance policies of both state that you MUST wear a helmet and you MUST NOT double on a quad intended for a single rider. So, if you are not wearing a helmet or you are doubling, your insurance coverage would not be in force. If you are doing this while on a FSR, you would be riding without insurance, and would therefore be in contravention of the Forest and Range Practices Act (section 12(1)).

So if you have your third-party insurance through OASIS or Capri, and you are riding on a FSR, then you would legally be required to wear a helmet and you would not legally be able to double.


It is my opinion that you should always wear a helmet when riding an ATV, and that doubling increases the chance of loss of control resulting in a situation where wearing helmets would have saved your life and the life of your passenger.

Greg"
 

Quote from Glenlevit from Quads.ca:

"This also seems to suggest that if you are either hunting/riding on a designated FSR w/o a helmet or are doubling on a single rated ATV on that road, then technically you are not insured and thus despite your producing the liability documentation at the request of a cop or CO, you could be in violation of the law and subject to the fine.

Oh and not even one beer. Unlike the MVA's .08 tolerance the ATV insurers have a NO tolerance provision so it's apparent that if a CO wanted to he could call you uninsured on an FSR if you have so much as a rum and butter lifesaver or a slice of Christmas cake under your belt."

Quote from Bruickladdie aka "Ken from Oasis" from Quads.ca:

The BCWF are acknowledging the coverage with membership did not address the issue of riding on a FSR or just riding. Thank them for that as it helps clear up lots of debate. Their policy is for a limit of $ 1,000,000 and covers pleasure riding and while on FSR's. The premium is $ 115 plus a $ 25 policy fee, for a total of $ 140.

As of January 1, 2009 OASIS will be providing the following to members of ATVBC or the BCWF:
$ 200,000 liability limit so legal on FSR at an annual premium of $ 75, or
$ 1,000,000 liability limit at an annual premium of $ 100, or
$ 2,000,000 liability limit at an annual premium of $ 160
All the above are subject to a 10% discount with the atv safety course certificate and claims free for 3 years.
It will be available on our website www.openskiesins.ca as of that date.

IN regards to BCWF, I have not seen a policy wording to make absolute comments on scope of coverage, but if it follows what they were providing through membership, it restricted coverage to the owner only. OASIS does not, it extends coverage to any operator with owners permission. If and when I see the actual policy wording, I will review and post the benefits or restrictions versus others available in todays market.