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Thread: OF4WD insurance explained

  1. #1
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    OF4WD insurance explained

    It seems OF4WD insurance is a bit of a hot topic at the moment. I will try to shed some light on why you need and what it covers.

    NOTE: OF4WD members can see the Binder doc on the OF4WD members site under OF4WD Members Reference Material . It gives you a summary list of coverage and exclusions. The full policy is there too, along with waivers.

    The OF4WD insurance is basically motor sport event insurance. A member club run is considered an event. It basically gives you liability and property damage coverage up to the amounts specified (see binder). Organizers, volunteers, participants, passengers are covered, but please make sure folks sign the waiver forms. We request that you also please send an email to insurance@of4wd.com with location and date of the event. This is our documentation that you have an organized event. Although this may not be strictly necessary as it is considered an activity normal to the operation of 4x4 club, we request you do so there is no potential for dispute. PLEASE NOTE: you are not covered for speed events.

    Why do you need it ? – As an organizer/volunteer you could be considered liable in the event of an incident. Driving through bush, you may find you are in a grey area with your auto policy. If you register the event with the MNR under the motorized event agreement they require it. Your club may also need when organizing show and shine events and the like.

    Why Motorsport policy ? – Good question. Most appropriate for us at the time and continues to be unless we start assuming ‘management’ responsibility for trails. Then we will have to consider an alternative policy that is geared towards providing coverage for us as a TDMO (Trail Development Management Organization). This is what the ATV and motorcycle associations and others typically run under now. Took a look at this the other year and as a board we decided to stick with our current policy.

    Hope this answers the general questions at least..
    President OF4WD

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    Quote Originally Posted by pw View Post
    The OF4WD insurance is basically motor sport event insurance. A member club run is considered an event. It basically gives you liability and property damage coverage up to the amounts specified (see binder). Organizers, volunteers, participants, passengers are covered, but please make sure folks sign the waiver forms. We request that you also please send an email to insurance@of4wd.com with location and date of the event. This is our documentation that you have an organized event. Although this may not be strictly necessary as it is considered an activity normal to the operation of 4x4 club, we request you do so there is no potential for dispute.
    How does this affect an individual member (or members) who are not part of a member club?


    What if a handful of buddies decide they are going to get together one Saturday afternoon to go for a run on a legitimate trail (let's say Greens or Ardbeg area) for example. None of these people are members of any club (affiliated with OF4WD or not) but some or all of them are individual members of OF4WD...

    Should this group inform the OF4WD that they are going on this run?

    Should it be done as individuals seeing as they are individual members, or would one representitive of the group send a message and state all the names/OF4WD member numbers of those who will be going?

    For the most part, this type of activity would not be an "organized event" as it would just be a bunch of buddies (who happen to be OF4WD members) getting together, but at the same time it would be OF4WD members doing an activity that any "organized event" would also be doing.

    And, I guess to clarify, what if the same type of run was going on and some of the people in attendance were not OF4WD members?
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    I asked the same question a couple years ago and was told the best way to be safe in the above situation was to shoot an email to OF4WD saying you were going on a run with other OF4WD members in ________ area on ______dates. This satisfied the "organized event" requirement (and is well worth it IMO)

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    Quote Originally Posted by igotafrigginjeep View Post
    How does this affect an individual member (or members) who are not part of a member club?


    What if a handful of buddies decide they are going to get together one Saturday afternoon to go for a run on a legitimate trail (let's say Greens or Ardbeg area) for example. None of these people are members of any club (affiliated with OF4WD or not) but some or all of them are individual members of OF4WD...

    Should this group inform the OF4WD that they are going on this run?

    Should it be done as individuals seeing as they are individual members, or would one representitive of the group send a message and state all the names/OF4WD member numbers of those who will be going?

    For the most part, this type of activity would not be an "organized event" as it would just be a bunch of buddies (who happen to be OF4WD members) getting together, but at the same time it would be OF4WD members doing an activity that any "organized event" would also be doing.

    And, I guess to clarify, what if the same type of run was going on and some of the people in attendance were not OF4WD members?
    You are a member of the OF4WD. If you organize an event (trail ride) and got your OF4WD member buddies to sign waivers you are doing what is required to be covered. This is part of normal business. Would be good to send email to our insurance address too. You need to always be risk aware and always take reasonable precautions. Basically we don't ever want to have to make a claim... 4x4 has good safety record. We all need to do what we can to keep it that way.
    Last edited by pw; 03-26-2010 at 02:52 PM.

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    Thank you PW for taking your time to post all of the info.

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