3 wheeler question

[3Wheelerdude]

Buddy of mine insures his with Allstate.

[400bigbear]

What insurance company?

OFAH for one the last I insured .

[andrew.suggy]

OFAH for one the last I insured .

OK great, I'll check that out.

[gconnor972]

thanks guys, i,ll call my ins. agent today.

[MikePal]

Really, do some research and don't believe everything you read.

I find this real hard to believe...I've owned and driven 3 wheelers for over 20 yrs and belong to forums with guys who do the same....NO one has ever been able to get insurance on them.

One guy claims to have figured it out...he got insurance calling it a 3 wheel motorcycle.

Yes, but there is a technical aspect about ATC's that is under review.
An three wheeler is an All Terain Cycle.
An four wheeler is a All Terain Vehicle.
The term Cycle confuses many enforcement officers and some employed
by the MTO to this day.
But by definition an ORV (Off Road VEHICLE (A vehicle under the MTO means Anything with four or more wheels. Car to truck to transport.)) has a class of ATV within it. An ATV falls under the four wheeled Rules.

Now an ATC (All Terain Cycle) is an ORC (say what? An Off Road Cycle).
This is where the laws are bent. It looks like an ATV but infact it's classified as a type of Motocycle under the MTO. This means that fron insurence to registration, your ATC is a Two wheeled Motocycle. NOT AN ATV!

With this bend in the law, you can use your ORC (ATC) as you would an ORM.

I have been pulled over many times by the police and just handed them one of my spare copies of the Rules and Regs. Plus this type of Argumentative point on paper. After a more interesting and educational chat with them (and a few "Can I try riding it" times) they apologise and continue on with their day.

But remember that even if you happen to get past that hurdle.....as an ORV...a 3 wheeler will not be able to drive on any provincial road....as they must have 4 wheels.

Regulation 316/03

Application: Reg 316/03 applies to the operation of ATVs on
highways.

ATV is a class of off-road vehicle narrowly defined as:

having 4 low pressure bearing tires (10 psi) in continuos contact with the ground;
steered by handlebar;
having a straddle seat; and
is designed for driver only and no passengers.

http://www.opp.ca/ecms/files/263826331.4.pdf

[400bigbear]

Bear reaches over and gives Mike Pal a cuff . Have you tried OFAH ? . I know we trappers got insurance for our 3 wheelers through them . I think it cost me 84 bucks , It's not a stand alone policy and they want your car etc, too but they did insure and may still do and that was within the last 20 years . Anyways hand me over that Big Red . Has it got reverse ?

TD

[Huntnfish]

A friend has three of them all plated and insured last time we talked about it, a 200m a 200x and a big red, I'm pretty sure they are all insured with State Farm, I'm going for a beer tonight with him and I'll ask him, they stopped making them cause their dangerous ! I'm pretty sure I pass by three or four crack houses on the way to work that the police most likely know are there but worry about an atv?

[Tactical870]

State farm had no issues insuring mine......

[Sinker]

They are 100% insurable.

S.

[mox72]

Pretty sure you can insure anything if you are willing to pay.