ATV riders on Vancouver Island now have the option to purchase their ATVBC/Club membership and third party liability insurance in one package!

The Vancouver Island ATV Clubs are working towards securing private land use agreements that will require the clubs to verify their members meet certain requirements in order to access Mosaic private lands. One of these requirements is insurance – as members must carry ICBC road crossing insurance plus a minimum $1M third party liability insurance which provides coverage on private lands, Crown land and forest service roads.

ICBC road crossing insurance must be purchased from ICBC Autoplan (it is the same as your auto insurance and cannot be purchased from a private insurance provider). For those that are renewing, as part of ICBC’s COVID-19 response you can contact your Autoplan broker by phone to renew your ICBC road crossing insurance.  Once you’ve completed that, you can go online and purchase your membership/insurance package so you can obtain all your necessary insurance coverages without leaving home!

The Vancouver Island ATV Club Membership & Insurance Package allows members to purchase an ATVBC/Club Single or Combo membership (for 2 or more family members living in same household) with $2M Third Party Liability Insurance coverage from Got Toys (Oasis Insurance).


  • Single ATVBC $40 + Club $30 = $70
  • Combo ATVBC $65 + Club $40 = $105

INSURANCE (for coverage on private land, Crown land and forest service roads)

  • $2,000,000 Third Party Liability Insurance (TPL) – $65 Premium
  • additional coverages such as physical damage can also be purchased

As part of the pilot project, ATVBC is developing a custom membership database that will better serve our needs as we grow and membership increases, our membership software needs to grow with us therefore we have web developers working on our new database with anticipated completion date of mid May. Until this time, the Membership/Insurance package will be available for purchase on the Got Toys website (

The new database will greatly assist club managers in tracking the membership requirements needed for the land use agreements, and make managing the agreements much less labour intensive, and is convenient for riders as can purchase membership and TPL in one easy package with same renewal.

Mosaic requires minimum $1M TPL coverage, however if you want to ride the North Island 1000 you will need $2M TPL in some communities therefore we have negotiated an excellent low rate of $65 for $2M Third Party Liability coverage.

For those that prefer to purchase their insurance from a local broker, here is list of brokers that sell the membership/insurance package.

And for those that do not intend to ride on Mosaic lands or the North Island 1000 and would like to purchase their ATVBC/Club membership without insurance, the same as they have always done, can purchase at

The environmentally friendly part of this pilot project is that paper membership books will no longer be used as we move to a fully automated, online membership process for Vancouver Island memberships.

This is a pilot project for Vancouver Island residents and if successful could be made available to all clubs in BC… watch for more details as the program develops!

Vancouver Island Club Membership & Insurance – Step by Step Guidelines

Join Your Local Vancouver Island ATV Club