Carriers on the Road

[chris vickery]

Jordan, I understand your fears and concerns on this one. The problem with this situation is pretty simple.

You can call your vehicle whatever you want, provide whatever documentation to back up your claims etc, BUT, remember, insurance companies are slimey, greedy bastards that will do ANYTHING to weasel out of paying a claim. Give them one reason to deny a claim and you could end up in hot water very quickly. It could be as simple as them saying that you were fraudulent in your representation when applying for coverage and voila, no $ and perhaps a heafty lawsuit from the family of the kid you ran over.

This is one reason that one needs to really do the homework and try to be as honest as possible. The only other way I heard of tracked vehicles being insured was something called "self insurance". Many large companies do this in order to facillitate coverage that would either be a) too expensive or b) not available. From what I understand, a company or individual would post a bond, held in trust in order to pay damages in the event of injury or lawsuit. Many large trucking and construction businesses do this because the costs of individually insuring each vehicle would be so huge that doing business would be impossible.

What us mv owners need is for a company to offer up a coverage program to fill our needs in order to be properly and legally covered. Of course another step would be to convince the MTO to accept tracks into their licensing program but I am sure that the bureaucracy involved will limit the chances of this ever becoming reality.

[jeff davis]

On the West Coast our insurance Corperation has Just resently insured Carriers under their Vintage insurance policy.This enables us to drive on the roads to public events or sanctioned car meets.
Today July 1st I was driving around at a local veterans event in Port Moody B.C,along with a Half Track.
On the coast here we have 2 Carriers ,1M5 high speed tractor ,a couple of Half Tracks and pending is a T50 Tank.
We are fully insured with 2 million liability.
Jeff

[chris vickery]

Jeff, sounds like all the guys out here need to do is to convince a local insurance firm to follow suit, considering a precidence has been set on the West Coast. Your insurance is not Provincially run by any chance??? Whose company underwrites the coverage there?

[jeff davis]

Our insurance is from the insurance corperation of B.C
It is a provincial Corperation you can get a hold of them through thier web site I.C.B.C .org

[maple_leaf_eh]

Haven't bought any insurance yet, but the regular companies have no interest in covering a car older than 20yrs. There is a specialty market for short-distance display hobby vehicles. I was on-line with http://www.lant-ins.ca/ and got a free quote of $100 for a 1970 Jeep.

"Plan is available for non-modified vehicles used for hobby and/or collector car activities, and not used for regular transportation, in two Categories: Antique & Classic for automobiles 25 years and older, and Special Interest for automobiles 15 to 24 years old.
No Claims Bonus - 5% per year to a maximum 15%
Automatic coverage up to $25,000.00 on newly acquired and replacement vehicles (Silver Wheel to be notified within 30 days.)
$2 Million Liability Coverage available"

Now, that company wants the vehicle registered with the province before they will issue coverage, so there is a bit of a conundrum if the MTO clerk can't find the right category on a form. But there have been some very clever suggestions already.

[chris vickery]

Lant Insurance will not cover tracked vehicles- period.
I encountered the same dilemma when I wanted to insure my halftrack- no one would touch it.
As for the Insurance Corporation of BC, this is a provincially run business whose rules may vary from the norm.
As per my previous post, be very careful and represent one's self openly and honestly as possible to cover thy ass...

As per MTO rules; the MTO can at any time, unregister the vehicle or demand an inspection due to a "clerks mistake".
Just because some yo-yo at the Ministry gives you a registration slip doesn't mean its cast in stone.

[Ralph Volkert]

Has any one attempted to register and or insure their carrier as an All Terrain Vehicle (ATV)? I would think that calling their 1942/3 Ford UC-1 an ATV would not be untrue in any way. I see ARGO'S & 4 wheelers decked out in tracks all the time!

With the recent changes to the laws in Ontario ATVs are now allowed to drive on the side of the road, across the road, and on ATV/snomobile trails. Or on trails on Crown Land.

Mind you, you and any passengers would have to wear a helmet.

[rob love]

I registered my carrier here in Manitoba as an ORV over a decade back. While it did not give me any access to drive on the roads, it did allow me to follow the quad paths, which around here will get you just about anywhere. It also allowed me to get through range control, who need some form of insurance to allow you onto the range.