BCORMA Trail Pass Driver Policy
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BCORMA Trail Pass & Liability Insurance

2017 BCORMA PLATINUM & BASIC (BRONZE) PASS LIABILITY INSURANCE PROGRAM


Underwriting Requirements

The following rules effective January 1, 2017, apply to all applications submitted in connection with the BCORMA Platinum & Basic (Bronze) Trail Pass Liability Insurance Program in British Columbia offered by Oasis Outdoor Adventure & Sport Insurance Solutions Inc. and the British Columbia Off Road Motorcycle Association (BCORMA).

  1. Policy Terms: All BCORMA trail pass policies have a common expiry date of December 31, 2017.

  2. Classes of Business: All Motorized, two (2) wheeled off road vehicles are eligible, provided they are not licensed for use on any public roadway or highway where prohibited by law, or used in race or speed events or practice.

  3. Territory: Only residents of the province of British Columbia with a valid driver’s license are eligible for coverage under the program.

    1. Restricted Coverage Form Available – Driver’s Policy Only: Third Party Liability coverage is available with $2,000,000 limits as part of the Platinum pass and $500,000 as part of the Basic (Bronze) pass. The trail pass policy is a driver’s Policy allowing the policyholder only to have third party liability coverage when driving any eligible vehicle. If Coverage is required for the applicant’s family that resides at the same household, then an additional premium of 80% of the principle charge will apply per additional driver. Additional drivers must also meet eligibility requirements. For Rates please refer to the rate sheet or website. If you require competitive event coverage it is not available through the trail pass, it is only available through OASIS Outdoor Adventure & Sport Insurance Solutions Inc.

    2. Optional Basic Personal Accident $25,000

    3. Optional Enhanced Personal Accident $50,000

  4. Minimum Premium – Premium is fully earned at inception.

  5. Referrals for Special Acceptance: This coverage is only available to platinum trail pass holders who qualify. This coverage does NOT extend to cover family members of the applicant, residents of the applicant’s household or any individual other than the applicant. The following are ineligible to participate in this program:

    • Any applicant with a Motor Vehicle related Criminal Code offence on their driving record within the past 3 (three) years;

    • Any applicant with more than 6 (six) demerit points on their driving record;

    • Any applicant with more than 2 (two) moving Motor Vehicle Act offences on their driving record within the past 3 (three) years.

  6. Discounts & Surcharges: Drivers are eligible for a 15% discount on the Third Party Lability if all Units have the ICBC Road Crossing TPL in force. A 10% Discount is available if the driver is 50 years of age or older. A 30% surcharge applies on all coverages if the driver also owns a Sno Bike. A 10% surcharge applies if the driver is under 25.

  7. Claim Procedures: All Claims should be reported directly to
    OASIS Outdoor Adventure & Sport Insurance Solutions Inc.
    10020-12th Ave North Battleford, SK S9A 3A4
    (Phone) 1-866-979-2747 or Fax 1-866-488-6122 or e-mail claims@oasisins.ca

  8. Platinum Trail Pass
    $ 2,000,000 THIRD PARTY LIABILITY PREMIUMS
    Platinum Trail Pass holders premiums
    $ 100 effective October 1/16 to April 30/17
    $ 80 effective from May 1/17 to July 31/17
    $ 55 after August 1/17 to mandatory expiry date of Dec 31/17

    Platinum Trail Pass with BCORMA
    $ 70 October 1, 2016 - December 31, 2017

    With Optional Basic Personal Accident $25,000
    $ 125 effective October 1/16 to December 31/17
    $ 100 effective from May 1/17 to July 31/17
    $ 65 after August 1/17 to mandatory expiry date of Dec 31/17

    With Optional Enhanced Personal Accident $50,000
    $ 165 effective October 1/16 to December 31/17
    $ 125 effective from May 1/17 to July 31/17
    $ 85 after August 1/17 to mandatory expiry date of Dec 31/17

    Basic (Bronze) Trail Pass
    $ 500,000 THIRD PARTY LIABILITY PREMIUMS
    Basic (Bronze) Trail Pass holders premiums
    $ 75 effective October 1/16 to June 30/17
    $ 50 after July 1/17 to mandatory expiry date of Dec 31/17

    Basic (Bronze) Trail Pass with BCORMA
    $ 45 October 1, 2016 - December 31, 2017

    With Optional Basic Personal Accident $25,000
    $ 110 effective October 1/16 to December 31/17
    $ 65 after July 1/17 to mandatory expiry date of Dec 31/17

    With Optional Enhanced Personal Accident $50,000
    $ 130 effective October 1/16 to December 31/17
    $ 95 after July 1/17 to mandatory expiry date of Dec 31/17