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Thread: I have searched everywhere and cant find the answer

  1. #1
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    I have searched everywhere and cant find the answer

    Not really a question for the insurance section more a question for the people.

    Ive been searching for weeks and am more confused and still empty handed... I was planning on making a trip to some trails around south river this year but I have an unfit jeep I trailer everywhere. I usually go to bundy hill but its getting a bit boring and would like to change up the scenery.

    My question is simple, who has their jeep/buggy licensed with a green plate and how do you insure it?

    Im confused because you need insurance on your jeep to ride on trails but if your insurance company knew you were on the trails your insurance would be void anyway so whats the point of having insurance. Obviously you would need insurance to drive on the road and you have a pink insurance card to show an officer on the trail if pulled over but how does this work on the trail if its void if you tried to use it.

    I understand ALL of the HTA rules and regs and having to wear a helmet with a green plate.

    Soooo......who has done this????

  2. #2
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    Also the OF4WD provides liability insurance but does not provide a pink card.

  3. #3
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    The of4wd insurance is a supplementary liability insurance policy. It takes over where your road going insurance ends. That's why there is no pink card.
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  4. #4
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    I have searched everywhere and cant find the answer

    My buggy is insured and plated as an off-road vehicle. It wasn't a big deal once I had a VIN and was able to describe it to them.

  5. #5
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    Quote Originally Posted by canucklehead View Post
    My buggy is insured and plated as an off-road vehicle. It wasn't a big deal once I had a VIN and was able to describe it to them.
    What insurance company are you with and how much per year? I have a 96 ZJ so i have a VIN

  6. #6
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    ^$663/yr, Chubb Insurance Co.

  7. #7
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    Quote Originally Posted by canucklehead View Post
    ^$663/yr, Chubb Insurance Co.
    thanks i'll give them a try

  8. #8
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    So they have no idea what I'm talking about, they've never heard of it and said sorry we can't help you. Great.....

  9. #9
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    I have searched everywhere and cant find the answer

    Try State Farm in Newmarket? They do a lot of dirt bikes and atvs.

  10. #10
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    im going to try a couple more places but my company insures dirt bikes atv and dune buggys but wants interested in my jeep.....

  11. #11
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    generally speaking you will need to switch your ownership at the MTO to an offroad only vehicle to qualify for recreational vehicle and trail coverage. They will give you the details you need to reregister your jeep.
    OF4WD Member #5196

  12. #12
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    macka is right you can change your ZJ over to off road use at the MTO it's actually easy according to my local branch. But the hard part is finding someone to insure it. I'm building a 77 CJ for bush only, and I cant find a insurer to touch it as an off road vehicle.
    ? Who insures these?
    94 ZJ, 5.2l
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    Plus a parts truck for the ZJ and J20 OMG I have 6 Jeeps plus a DD

    Hi, my names Shawn and I'm a Jeep addict.

  13. #13
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    A couple years later and I'm in the same boat. It's easy to change a vehicle to "offroad only" and green plate it but I can't find any insurance companies that will provide liability insurance for a vehicle that is offroad only. If anyone currently has this, please post or PM a telephone number to call. As a good person, I promise not to mention your name or vehicle to the broker if you don't want me to. Just sayin...

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