ABC's of Insurance > How Your Rates are Determined
Off-Road Vehicle Body Styles
An "Off-Road Vehicle" is a wheeled or tracked motorized vehicle designed or adapted for cross-country travel on land, water, ice, snow, marsh, or swamp land or other natural terrain, and without limiting the generality of the foregoing includes:
- Four-wheel drive motor vehicle, motorcycle or snow vehicle not registered under The Highway Traffic Act
- All-terrain utility vehicle
- All-terrain vehicle (ATV)
- Amphibious vehicle
- Mini-bike, dirt-bike, and trail bike
- Miniature vehicle such as a dune or sport buggy
- Miscellaneous
- Off-road maintenance machine
- Snowmobile
Off-road vehicles do not include:
- Farm tractor
- Garden or lawn tractor
- Golf cart
- Implement of husbandry
- Special mobile machine
4-Wheel Drive
Some vehicles, that can be registered under The Highway Traffic Act, may also be registered under The Off-Road Vehicle Act, if they are not driven on highways.
All-Terrain Utility Vehicle
An "All Terrain Utility Vehicle" is an off road vehicle that travels on four or more low-pressure tires. It is based on the concept of an All Terrain Vehicle, but is designed for use as a utility work vehicle. It seats two or more, and it has a steering wheel, not handle bars, for steering the vehicle. The driver does not straddle the seat as on an All Terrain Vehicle.
All-Terrain Vehicle (ATV)
An "All-Terrain Vehicle" is an off-road vehicle that travels on three or more low-pressure tires, has a seat designed to be straddled by the operator of the vehicle, and has handlebars for steering the vehicle.
Amphibious Vehicle
A device/vehicle for transporting personnel and/or equipment that can operate as a wheeled or tracked vehicle on land and as a boat in water.
Dune Buggy
Some vehicles that can be registered under The Highway Traffic Act, may also be registered under The Off-Road Vehicle Act, if they are not driven on highways.
Miscellaneous
The 'Miscellaneous' body style includes all other Off-Road Vehicles that can be registered under The Off-Road Vehicle Act and do not fit any of the following body styles:
- Four-Wheel Drive
- All-Terrain Utility Vehicle
- All-Terrain Vehicle (ATV)
- Amphibious Vehicle
- Dune Buggy
- Motorcycle
- Off-Road Maintenance Machine
- Snow Vehicle
- Snowmobile
and does not include
- Farm tractor
- Garden or lawn tractor
- Golf cart
- Implement of husbandry
- Special mobile machine
Motorcycle
Some vehicles that can be registered under The Highway Traffic Act, may also be registered under The Off-Road Vehicle Act, if they are not driven on highways.
The off-road motorcycle body style category includes mini-bikes, dirt bikes, and trail bikes.
Off-Road Maintenance Machine
An "Off-Road Maintenance Machine" is an off-road vehicle that is designed or modified and used primarily for the purposes of clearing or maintaining off-road vehicle trails or tracks, or ski trails or slopes.
Snow Vehicle
Some snow vehicles that can be registered under The Highway Traffic Act, may also be registered under The Off-Road Vehicle Act, if they are not driven on highways.
A snow vehicle is a vehicle that has a gross vehicle weight exceeding 454 kg and:
- is not equipped with wheels, but in place thereof is equipped with tractor treads alone or with tractor treads and skis, or with skis and a propeller, or it is a toboggan equipped with tractor treads or a propeller;
- is designed primarily for operating over snow or ice, and it is used primarily for that purpose; and
- is designed to be self-propelled.
Snowmobile
A "Snowmobile" is an off-road vehicle that has a gross vehicle weight up to 454 kg and is not equipped with wheels but with tractor treads, tractor treads and skis, or with skis and a propeller. It may also be a toboggan equipped with tractor treads or a propeller. A snowmobile is designed and used primarily for operating over snow or ice. It is self-propelled.
