Changes to Ontario Auto Insurance
Give You More Choice
On September 1, 2010, changes are coming to auto insurance in Ontario.
Additional Accident Benefit choices will allow you to customize your policy to suit your needs.
These choices will give you greater influence over the price you pay for insurance.
Pricing will vary based on the benefits you purchase.
WHAT'S NEXT
The reforms and new cholices take effect September 1,2010.
Your policy will remain unchanged until your next renewal. At that time, you'll be provided with more information on the changes and your options.
After September 1, 2010 you can also choose to make changes to your policy prior to its renewal date.
FOR GENERAL INFORMATION ABOUT CHANGES TO AUTO INSURANCE IN ONTARIO, CONTACT
Consumer Information Centre
telephone (416) 362-9528 Toll free 1-800-387-2880
or
Financial Services Commission of Ontario
Telephone (416) 250-7250 Toll free 1-800-668-0128 TTY (416) 590-7108, 1-800-387-0584
ATV Insurance
REGISTRATION
- All off-road motorized vehicles must be registered with the Ministry of Transportation - even if operated only on your premises. A one-time fee is payable at a Driver and Vehicle Licensing Issuing Office. A license plate is provided, together with mounting instructions.
- Off-road vehicles may not be registered to anyone under 16. ATV's used only in rallies and exhibitions sponsored be certain organizations do not require registration.
IMPLEMENTS OF HUSBANDRY
- Self-propelled implements of husbandry do not require registration under the Off Roads Vehicle Act. They are defined as a vehicle designed to perform, or permanently altered to perform, a single specific agricultural function.
- ATV's are designed primarily for recreation use and even though they may have attachments for agricultural operations, these attachments are not deemed to be permanent. ATV's which are designed as utility vehicles are regarded as useable for other purposes and therefore must be registered.
OPERATION ON PUBLIC ROADS
- It is unlawful to operate any off-road vehicle on any public roadway, street or highway. This includes the entire area between the boundary lines of adjacent property-including ditches. There are some exceptions:
- An ATV may be driven across certain roads
- Vehicles with three or more wheels may be driven along a public road by a farmer engaged in a farming activity or by a licensed hunter or trapper while hunting or trapping provided:
- The ATV is registered and its permit is carried by the driver.
- The ATV is insured on a vehicle liability policy and that driver carries proof of such insurance.
- The driver is a holder of a valid drivers license which must be in the drivers possession.
- A slow-moving vehicle sign must be displayed on the rear of the vehicle.
JOINT RESPONSIBILITY
- Both the owner of the ATV and the operator are responsible for any violations of the Act and both are liable for any injury or property damage caused by the vehicle.
DRIVER REQUIREMENTS
- Persons under twelve years of age are not permitted to drive an ATV except on land occupied by the vehicle owner and while under close supervision of an adult. If crossing or operating an ATV on a road- when permitted as previously described-the driver must be in possession of a valid driver's license.
- Helmets meeting the standard of the Act must be worn when operating an ATV on premises other than property owned by the vehicle owner.
NOTE:
This material is provided for information and illustration purposes only. For more information, obtain your own copy of the official Off Road Vehicles Handbook available at a Driver Examination Office or Vehicle License Issuing Office near you.
