ATC insurance in Nova Scotia

[Woodsrider]

I just decided it was time to go legal and insure my ATC250SX. My TRX250 Fourtrax is $134 per year and the quote I was given by my insurance agent today for the SX is $279. I figured it would be a little higher than a 4 wheeler, but not more than double...that's too much money and I definately can't insure 2 or 3 ATCs.

Does anybody in NS know of an insurance broker who can get me a policy for a 3 wheeler for a more reasonable rate? I would appreciate any leads.

The other question is, does anybody know the penalty for getting caught without insurance on an ATV in NS? I'm thinking it may be worth it to take the risk.

I live in an area where there is a local public trail that gives me access to all other trails right from my back yard. The police have been known to set up spot checks from time to time and I would prefer to ride worry free.

[Blizzard420]

Try state farm, Here in NB it cost me 10 bucks a month for fire,theft,liability, etc etc....And Here in NB they take your trike without question if its not registered,insured,and plated, lost a big red two years back.

[Woodsrider]

Cool,thanks for that. $120 a year sure beats $279 !!

[Tecate250]

hahhaha, 50 + machine and not one ever had papers or insurance. Im not throwing away my money to thr government to make damb walking trails. Where is this trans canada trail. I live 50 feet from the tracks for almost 20 years. They still look the same. Also how can you insure an "unsafe" bike?

[redneck250es]

I was qouted $350 for my 1986 250 red LOL and that was basic. I was told they concider a trike a motorcycle insted of a atv when they come up with the amount. :(

[Woodsrider]

I was qouted $350 for my 1986 250 red LOL and that was basic. I was told they concider a trike a motorcycle insted of a atv when they come up with the amount. :(

I was told exactly the same thing, that it was considered a motorcycle. It certainly makes me think about converting a 4 wheeler to a 3 wheeler so it can be insured for a much lower rate.

And yeah, I hear ya Tecate250. I've just for the first time, put plates on an off road vehicle, so I've been doing it like you for 31 years. Where I live right now, I have to go on public roads a little bit to get to the trails, which are public as well, and I just don't feel like looking over my shoulder all the time or looking up ahead all the time for a cop. I don't like it, but I would rather relax and not think about it.

[2Tim215]

Wow, that is quite a bit! Hopefully you can get it through State Farm. Here in New York every ATV/ATC has to be registered even if its only used on your own property. The only exception according to our DMV is if the ATV is used for Plowing ONLY! We also have to insure any ATV/ATC that we use off of our property, even if I am at my brothers my three wheeler has to be insured. I thought we had it tough! Our insurance is approx. 55.00-75.00 a year. It could add up quick if you have a collection. It cost about 12.00 a year to register them after sales tax, plate fees, etc. I know a lot of people who have their own property don't register them, I plan on going out on a few shallow lakes this winter so I'm in the progress of getting mine registered. Our Four Wheelers are about the same price as the three wheelers. Hope it goes well for you, either way not worth losing a trike!

[Tecate250]

If you are on the road its still illegal.

[2Tim215]

If you are on the road its still illegal.
Here in NY we can legally cross a road as long as we are registered and insured but cannot drive down a road. Someone told me ATV's Snowmobiles, etc. can legally be on the roads if they are "officially" closed due to snow. I haven't confirmed that yet but plan on it as it would be good to know!

[bobr]

350X is $75 /year with Progressive. Bob

[2Tim215]

350X is $75 /year with Progressive. Bob
Thanks Bob, That is what I'll be registering next!!!

[Woodsrider]

If you are on the road its still illegal.

Yeah, but the RCMP around here allow everybody to run on the back streets to get to the trails...but you have to be legal...which is the reason why I'm trying to be legal. It's totally legal to cross roads too, except for limited access highways. In Quebec, you can drive on the shoulder of secondary roads for limited distances...I think up to 1 km...to get to a trail.

[Woodsrider]

Just found out that State Farm does not do business in NS...so much for that one.

[sx250heath]

I would like to make 200X (main trail bike) legal to get a pass for private land near me. A local mill (the owners are related) own lots of trails. You need to be registered and insured. I will not be able to use the pass on my 250R since they do not like 2-strokes.

[Chazz of Blades]

In Alabama, no offroad vehicle has to be registered, and depending on the local police, some areas you can ride through the middle of town on a trike or quad. Anderson, the closest town(well, village really), is incredibly relaxed if you aren't acting stupid or speeding through town, on a quad, trike, bike, or 4x4(UTV).


Although this is a rural southern town, so mainly it matters on respect, and courtesy. But thats the majority of rural Alabama. God I love my home.

[coolpool]

I was quoted $340.00 to insure my BR in Alberta. I checked with State Farm in Edmonton. They won't insure my ATC/ATV's unless I change all my policies over to them. BS if you ask me.

I need to do something though; had to give the "Fish Cops" the slip today. The boy and I were riding on Cold Lake and I seen them waiting for us to come off. Deked them out! Dumb a$$es.

[Tecate250]

Hahahah. Heath why does a wood mill dont like 2 strokes? They use 4 stroke chain saws? Im getting mine reg but not insured. Hell i dont even want to do that.

[Jason125m]

I use statefarm, costs me 7 bucks a month for my 250es, and 4 bucks for my 125m.

[sx250heath]

The mill says they tare stuff up too much.

[coolpool]

I use statefarm, costs me 7 bucks a month for my 250es, and 4 bucks for my 125m.

Maybe I should get a quote from them for all my stuff. Might save me some $.

[bcredneck]

im so lucky to live in bc if the rules here change id rather run than pay to ride in the woods id like to see a police 4x4 catch a 350x in the woods it just not going to happen they already look stupid trying to catch speed boats with there 20 hp zodiac on the lake almost no one stops

[Jason125m]

Maybe I should get a quote from them for all my stuff. Might save me some $.

Yeah, statefarm is good. I have just enough on my plan to be legal to the cops.. Which is all you need. Not like my atc's are going to get stolen, or our garage where we keep them will burn down..

[Woodsrider]

I called an agency in Bedford today and she said the same thing, about anything with 2 or 3 wheels as being motorcycles. I told her it was an ATV and she asked me what my registration paper called it and I told her it says ATV(3 wheels). She said that she will call the carrier to see if she can get around that stupid rule. If so, that will mean $153 per year, which I will pay. I'll let you know what she says.

[sx250heath]

I would pay that to be legal for sure

[Tecate250]

Yeah not too bad.

[Woodsrider]

She didn't get back to me today...I'll try to call her tomorrow.