BCORMA FAQ's

The BCORMA Trail Supporter policy covers you anywhere you can legally ride in Canada or the continental United States (unit must still be used at least 60% of the time in BC).

You only have an option for $ 2,000,000 limit on Third Party Liability while being operated by a listed operator(s) on the policy.

The BCORMA Trial Insured policy follows and covers YOU or other listed operators on your policy ONLY for damages caused to others (Third Party Liability), but if you have purchased the stand-alone physical damage policy then the damages caused to the insured trailbike itself would be covered if some else was riding it and damaged it with your permission.

Yes, you can, if the operators are in the same household and are legally allowed to operate a trail bike.

The premiums would be lower if you added each of the household operators to the same policy as each additional operators get discounted premium.

You will have to purchase a stand-alone policy at insuretoys.ca and schedule each trail bike on the policy as the physical damage coverage follow the scheduled unit which is different from the Trail Supporter Insurance policy which follows the operator.

GOT TOYS in British Columbia offers All Perils, which includes collision or upset, or Comprehensive which is All Perils excluding collision or upset or Specified Perils which is fire, theft and specific perils named in the policy. All provide coverage for theft with no restrictions, and all have a $500 deductible all losses (unless otherwise stated).

NO mandatory expiry date on liability. It is a year from effective date of the policy

This provides coverage for property damage or bodily injury caused to a 3rd party that you are legally liable for as well as includes defense costs. If you injure others (including your passenger) or damage their property, they can sue you. It also extends coverage up to $25,000 for sudden and accidental pollution.

You can purchase Personal Accident coverage. There are 2 options available; Basic personal accident with a $25,000 limit or enhanced personal accident with a $50,000 limit.

This covers for losses incurred by the Insured while getting on to or alighting from or operating or riding as a passenger on an off-road vehicle during the policy period.
Basic: covers permanent total or partial disablement.
Enhanced: coverage includes basic plus weekly indemnity, accidental death, ambulance expenses, medical expense reimbursement and much more.

No, it is only available with liability insurance.

We offer up to $25,000 on a trail bikes

Yes, we offer true Replacement Cost (not to be confused with agreed value), for 24 months from date of delivery of trailbike including inflation guard. You must provide a copy of the bill of sale and insure for 100% of value including attachments, modifications and taxes.

Yes, we offer discounts on for:

• BCORMA Membership in recognized
• Age Discount
• $1,000 deductible

If you qualify for GOT TOYS, you will not be penalized, unless you have more than 1 at-fault claim within 5 years. Any operators who have had more than 1 at-fault claim within 5 years must be submitted manually for our review and approval.

To start the claims process, please contact your broker or email claims@oasisins.ca.