Question for fellow trike owners in Ontario

[Chaps80]

I have been riding without insurance since I bought my trike because i've been told its just not worth it. The premiums would be much more than the trike is worth. But I was told today by a friend that I could be charged up to $5000 if I was stopped while riding on public land and asked for proof of insurance and failed to produce it. So I looked it up, and its true. Needless to say, i'm seriously considering never riding on public land again, unless I can somehow find insurance at a reasonable price.

Does anyone have insurance on their trikes in Ontario? If so, what company do you get it ffrom and how much is it? I have heard that same companies have cheap rates, but I can't seem to locate any. It would really suck to have to stop riding my trike and just use the quad.


edit-spelling in title.

[tapper190]

I have insurance on my 350x, I think it costs me about $24 a month. I used my same insurance company that I use for my house and auto. When I asked about insurance, they kept on saying atv and I just ignored them and and didn'y say anything. I've also heard that state farm with carry the atc insurance as well.
Tapper

[ace_103]

How did you find this out and where did you look this up? This is all news to me. I've been riding for quite a while now without insurance. I'd like to research this more...

I'm already with State Farm, so naturally i'd go there first.

[RoscoW]

Just ask your agent for Offroad ATV liability insurance, If they don't know anything about it find a new agent, its only been the law for the last 20 yrs or so. we're with State farm as well. All you should need is the VIN and copy of ownership. If you don't have an ownership that could be a bigger fine.

Ross..

[firehart]

Here in Idaho USA you are suppose to carry liabilty insurance as well. I had insurance with Progressive on my Rancher. Right now I don't have any insurance on any of the ATV's.

[Chaps80]

How did you find this out and where did you look this up? This is all news to me. I've been riding for quite a while now without insurance. I'd like to research this more...

I'm already with State Farm, so naturally i'd go there first.

Heres where I found it:

http://www.oftr.ca/page.php?id=644

But I also found this tonight:

http://www.northernlife.ca/News/Sports/2007/08-01-07-atv.asp?NLStory=08-01-07-atv

Its possible that they messed up the minimum $5000 fine for driving a car without insurance with the $265 fine the second source says is for driving an atv without? That definitly sounds more reasonable. Theres nothing on the MTO website about mandatory insurance, but most government websites suck.

Either way, liability insurance is mandatory, so is registering the trike and having a plate on it. If it was a quad I would'nt worry about it as much because those are a common sight to cops, but a trike will catch their attention, and they know insurance is hard to get on them so it's almost guaranteed they're going to stop you.

[Chaps80]

Just ask your agent for Offroad ATV liability insurance, If they don't know anything about it find a new agent, its only been the law for the last 20 yrs or so. we're with State farm as well. All you should need is the VIN and copy of ownership. If you don't have an ownership that could be a bigger fine.

Ross..

I don't have an ownership for my trike. The guy I bought it from said he never recieved the ownership from who he bought it from either. I trust him that its not stolen because it was a friend I got it from. The ownership was lost somewhere down the line. I don't know if I could register the trike even if I wanted to. Honestly, would they even expect someone to have the ownership for a 26 year old trike they bought for a few hundred bucks?? Its ridiculous.

[acidburn]

its not true i have the fines 5000$ is for dirtbikes its 500$ for ATV's and the price goes up if u get fined more then once.. i would know im already trailprotrailprotrailprotrailprotrailprotrailpro with 8gz in fines

[Taiser]

acidburn is right, 5k is for motorized vehicles on a HIGHWAY, cars, trucks, motorcycles etc. No insurance on a atv, quad etc with 6 wheels or less is/was about 300 bucks, might have gone up in the last while though, but for sure under 500 bucks.

[braunz200x]

I don't have an ownership for my trike. The guy I bought it from said he never recieved the ownership from who he bought it from either. I trust him that its not stolen because it was a friend I got it from. The ownership was lost somewhere down the line. I don't know if I could register the trike even if I wanted to. Honestly, would they even expect someone to have the ownership for a 26 year old trike they bought for a few hundred bucks?? Its ridiculous.

My trike has no title either Chaps80,


Does anyone know what exactly came with a Honda ATC new in Ontario? Was it a title from the Ministry? or maybe an invoice or ownership card?? that the owner could take to the ministry for a title :wondering

I heard stuff built before 1985 or somewhere around there maybe 84 you can go in and just sign an affidavit to receive a title? (after they make sure it isn't stolen)

Also someone told me about getting a used vehicle package, this would list any registered owners including the current registrant and you could attempt contacting the person about the title

Any of you Ontario guys on here have any experience with this stuff?

[Tecate250]

Well I live in Nova Scotia and cops never said anything about insurance. All 60 rec vehicles I have owned never had a plate or papers. And deffinatly had no insurance. Around here we use the "they were banned cause there dangerous, now you want me to insure it" tactic.

[acidburn]

your a lucky one when the o.p.p see my 200 with my bucket front fender then rite away think no insurance lets chase this guy for brownie points!!

[shannonw]

It is actually very easy to gain a title for an ATC in Ontario. You will only need to sign an affidavit from a lawyer or "notary public" stating that the owner you purchased it from did not have an original title (since they were not required when the vehicles were produced), and that you have no knowledge of the vehicle being stolen. As long as the VIN runs clean on the MTO system. You will be issued a new ownership and you can purchase insurance.

We have our insurance through Statefarm and we pay less than $9.00 a month for most, one as low as $3.50.

We have liability insurance anyway so for us that wasn't an issue, but I do believe in carrying insurance on the machines since we do ride on public land and that way we never have worry about getting "caught". We did have a run in with an officer at a riding location in Southern Ontario who was "CERTAIN" that you couldn't get insurance for trikes. He was very surprised and my Brother in-law had quite a long chat with him that day.

It's a small amount of money/year to ensure we are all above board.

[Chaps80]

acidburn is right, 5k is for motorized vehicles on a HIGHWAY, cars, trucks, motorcycles etc. No insurance on a atv, quad etc with 6 wheels or less is/was about 300 bucks, might have gone up in the last while though, but for sure under 500 bucks.


Thats what I figured after reading that second article. It says the fine is $265. For that i'd risk it. haha

[braunz200x]

Thanks Shannonw,

I take it you have successfully acquired an ownership from the MTO with only a bill of sale and signed affidavit ?

What exactly do you mean by " they were not required when the vehicles were produced " ?

My 1983 200x didn't come with a title from the dealer new ?

[Chaps80]

Well I live in Nova Scotia and cops never said anything about insurance. All 60 rec vehicles I have owned never had a plate or papers. And deffinatly had no insurance. Around here we use the "they were banned cause there dangerous, now you want me to insure it" tactic.

Yeah, vehicle laws are all different from province to province. Ontario unfortunately has some of the most strict driving laws in the world.

[Chaps80]

It is actually very easy to gain a title for an ATC in Ontario. You will only need to sign an affidavit from a lawyer or "notary public" stating that the owner you purchased it from did not have an original title (since they were not required when the vehicles were produced), and that you have no knowledge of the vehicle being stolen. As long as the VIN runs clean on the MTO system. You will be issued a new ownership and you can purchase insurance.

We have our insurance through Statefarm and we pay less than $9.00 a month for most, one as low as $3.50.

We have liability insurance anyway so for us that wasn't an issue, but I do believe in carrying insurance on the machines since we do ride on public land and that way we never have worry about getting "caught". We did have a run in with an officer at a riding location in Southern Ontario who was "CERTAIN" that you couldn't get insurance for trikes. He was very surprised and my Brother in-law had quite a long chat with him that day.

It's a small amount of money/year to ensure we are all above board.

Nice! Thanks for the info!:beer

[Tecate250]

Wow talk about a good topic. I never thought there were that many ontarians on here. Anyone from peterbouro?

[shannonw]

To the best of our knowledge it was sometime in the mid 80's when ownerships came into play. I'm not sure where you'd be able to find out which years came with titles or not... doe anyone else know?

[grandy]

I have gone through the process of getting titles for 5 of my bikes now, 3 trikes, and 2 old dirtbikes. Here in Nova Scotia you can go to service nova scotia's website and print off the "off highway vehicle registration form". Next you need to get in contact with your local RCMP, department of natural resources, and I have used just recently the Halifax regional police (they came right to my house), or anyone who is considered a peace officer. They will look at the vin numbers on your bike and fill it out on your form, next they will run those numbers through their computer and make sure that they aren't stolen, if all is well they will sign off on the form and give it back to you. Next you need to go to service nova scotia with said form and fill out your information on it (your address, master number off your license, person you bought it from, reason for not having title or getting it from previous owner, how much you paid for it.....). Do not make any mistakes filling out this form or scratch out anything if you make a mistake, it makes the paperwork VOID! Then it's just a matter of paying the taxes on the purchase price and they print you a title for the bike, then you can get your plate and sticker and pay your trail fee, it's quite easy actually, with a little time invested I have the peace of mind riding my bikes with all my proper paperwork.
For insurance on my 86 Tri Z it costs me $128.00 dollars per year and my insurance company knows it's a 2 stroke race trike, pretty reasonable if you ask me.
Hope this helps.
Also it helps to have a bill of sale when you go to service nova scotia, makes life a lot easier.

[buck14]

my 1980 honda 185 has an ownership with it so even the early trikes i believe should have an ownership. I am also in southern ontario and may need to get an ownership for a 85 200x so this thread is helping me decide what to do with it. thanks

[ace_103]

For those pondering insurance, I called State Farm. They quoted me, for my 85 200m, $109 per year for insurance. That includes fire/theft and the basic comprehensive (driving) insurance. Without the fire/theft the price goes down to just over $80 year. I am stopping by their office tommorrow to take out a policy!

If your in Ontario without an ownership, getting one is quite easy. I got my 200m without a title, but I did get a signed reciept from the seller with his name and address. That needed to be notorized. I just went to the town office and got the town clerk to do that for me - free of charge! Take that same reciept to the dmv and they will run the vin. If it comes up clean the cost is $15 for the ownership and $20 for a plate. Took all of a few hours to do.

[shannonw]

Apparently some of the Vehicle Licence offices in Southwestern Ontario have Notary Public's on site, but you have to know to ask for their services as they don't advertise. If you are in this situation it'd be worth a call to your local office and see if they can take care of it on site for your in one step.

[Tecate250]

So have any of you ever got a stolen bike?:naughty:
I allready know my 1984 and first 1985 tecate frame was all good. Around here all people want to do is go to the busyest parts to ride on. Hardly ever a ride on less traveled roads. Thats where I go.

[Tecate250]

http://www.servicecanada.gc.ca/eng/home.shtml Is this where you got your form? I cannot find it anywheres. I was told there are 2 types of forms too.

[Brockey]

Hmmmm, I have only had paperwork on my Foreman and Moto 4, the rest no bill of sales, nothing. My 81 250r didn't even have a VIN left on it. But they are suppose to be cracking down on insurance around here for bikes aswell.

[ThinktwiceZ71]

on my 85 200s i paid $30.40 for the entire year !

[Tecate250]

I was told that after a certent amount of time, the vehicle looses the Stolen tag and you can regester it again with no trouble. Anyone ever heard of this?
Id like to follow suite with this. There are alot of people who do not want to ride because of this.

[tapper190]

Wow talk about a good topic. I never thought there were that many ontarians on here. Anyone from peterbouro?

I told you that there was more of us than you think :w00t:
Tapper

[grandy]

http://www.servicecanada.gc.ca/eng/home.shtml Is this where you got your form? I cannot find it anywheres. I was told there are 2 types of forms too.

http://www.gov.ns.ca/snsmr/forms/pdf/rmv/off-highway.pdf

This is the only form that I have used, and have used it successfully 5 times now. You can either print it off the net or get them at the dmv, and as I said before, be careful because if you make a mistake on it the form is then void. I have heard the same thing about bikes being taken off the "stolen list" after 2 years or something like that, but I have only heard that from friends, I have no evidence of that being true.

[Tecate250]

Cool. Thanks Grandy. Hows the blaster?

[Taiser]

You didn't need ownerships if it was used on private lands, that's why many don't have titles on them. Ownership and insurance was required for operating on crown land, liability and such. If you still have a bill of sale, that's all you need to get a plate for it, or if it's lost, then an affidavit, like mentioned earlier, is all that's needed. It's not a big deal to get one. I got a plate for mine right away, just in case some day it becomes a problem getting one, but since I only use it on my property, I didn't bother with the insurance. :D

Oh and getting a plate means paying all the retarded taxes on it as well (PST)!!! Like McGuinty doesn't take enough of my money to piss away! :(

[grandy]

No problem tecate, havn't been out for a ride yet, was going to go today but I have been home waiting all day for someone that said he was going to show up to buy one of my old dirtbikes and so far a no show, grrrrrrrrr.

[Tecate250]

Yeah I know what that is like. I have had probably 100 emails with people saying they want to look at it. Or I mean how they spell it. I wut to cme lok at da bik.
Trad?

[braunz200x]

I wut to cme lok at da bik.
Trad?


hahaha

dont forget about...

do u stil hav it?

:lol:

[grandy]

lol

or-

dose it ruin good?

[Chaps80]

hahahahah nice

[Tecate250]

Yeah Some dead beat people on the net. <-

[buck14]

I recently got an 85 200x and i was wondering what all do i need or is it possible to legally drive it on gravel roads in the country. i have the ownership and will be getting insurance. Is there any safety inspection or anything? what about mirrors, lights, tires etc? I live in southern Ontario and just want to know exactly what i can and cannot do with my trike. thank you

[Taiser]

I recently got an 85 200x and i was wondering what all do i need or is it possible to legally drive it on gravel roads in the country. i have the ownership and will be getting insurance. Is there any safety inspection or anything? what about mirrors, lights, tires etc? I live in southern Ontario and just want to know exactly what i can and cannot do with my trike. thank you


You can't drive an ATV on a "highway" and a "highway", in general terms is any road that is intended for public use not on private land. Some towns, like my old home town in Northern Ontario, have passed by-laws allowing use of certain vehicles on city streets, like ATV's, Golf carts and Ski-doo's. Aside from that you are SOL.

There is no "safety" than can make an ATV road worthy. The Highway Traffic Act of Ontario (HTA) allows you to cross a "highway" at 90 degrees if you are a valid driver's license holder. That's about it. If you get caught driving the thing on a Highway you can/may be dinged for the 5000$ fine for driving without the proper insurance, on top of all/any of the vehicle charges they can find on your machine, even with ATV insurance because it's not the right kind.

[Tecate250]

They will have to catch me first. Nothing like knowing your area better then cops lol.

[Taiser]

Heh, Heh, ain't that right, I did my share of running as a teen on my yamaha, especially on side roads. Rules have changed though, cops can't chase motorcycles or ATV's anymore. If they run, they have to disengage the pursuit, at least in Ontario...don't try it in the states! :eek:

[Tecate250]

Yeah same around here. Few local guys have been ramed right off the road. I told my fokes if this happend to me the cop will pay.lol Love seeing more canadians on these sites.

[Chaps80]

The cops just need to back off and let us ride or trikes. Don't they realize its just less paperwork if they turn a blind eye. aha Not like were hurting anyone. Like was said above though, they gotta catch us first. I have'nt seen any cops on my rides recently, knock on wood.

I do think after I restore my 225 this spring I will look for insurance though. Seems that it is available for fairly cheap, so why not.

[Yamada]

Do you guys realize that you are writing on a public message board that you are running from the cops?

[Chaps80]

They don't know exactly who we are. haha I could be anyone.