1. What does my FQCQ trail pass include?

To be able to use trails maintained by the FQCQ, you must pay the prescribed access fee. By purchasing the FQCQ trail pass access to the trails, you may also choose to obtain $1,000,000 civil liability insurance coverage from Intact Insurance. The FQCQ and its affiliated ATV clubs make this insurance available as an accessory to the purchase of the trails passes in order to protect each one of their members in case of accident.

2. Am I required to take the insurance included in the trail pass?

No. You can decide to purchase your FQCQ trail pass without insurance. You will nevertheless have to obtain civil liability insurance from a different insurer for the minimum amount prescribed by law. In fact, as an ATV owner, you need to obtain civil liability insurance for at least $500,000 as required by the Loi sur les véhicules hors route (off-road vehicle law). If you do not respect this requirement, you may be fined.

3. What is civil liability insurance?

Civil liability in the Civil Code of Québec is based on the idea that everyone has a general obligation to act properly and assume responsibility for any loss or injury they may cause to another person. It is worth noting that Québec’s automobile insurance agency, the SAAQ (Société d’assurance automobile du Québec), only pays damages for injuries sustained in an ATV accident in a few precisely defined situations.

Quads and other all-terrain vehicles (ATVs) are off-road vehicles not covered by the SAAQ’s public plan The SAAQ does not pay any indemnities to an ATV user for injuries, except in case of a collision with a moving vehicle that is not excluded from the plan (such as an automobile).

By using your ATV, you could cause loss or injury to other people and be held responsible for damages, which is why it’s important to have civil liability insurance that covers property damage and personal injury that are not covered by the SAAQ.

For example:

You are driving an ATV and accidentally injure another ATV rider. He or she could sue you and claim damages to cover lost income or require you to reimburse expenses incurred or seek compensation for psychological injury, such as trauma.

With civil liability insurance included in trail pass, you’re well covered.

IMPORTANT

Frequently asked questions

FÉDÉRATION QUÉBÉCOISE DES CLUBS QUADS (FQCQ)

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4. In the fee for FQCQ trail pass, how much is paid towards insurance?

FQCQ Intact InsuranceCost of trail pass

including insuranceType of trail pass

Trail passCivil liability

ClubsTotal

Civil liability Drivers

Annual $250.00 $7.63 $257.63 $42.37 $300.00

Seasonal (summer)

$150.00 $7.63 $157.63 $42.37 $200.00

3 days $90.00 $0.00 $90.00 $20.00 $110.00

1 day $50.00 $0.00 $50.00 $10.00 $60.00

Location $250.00 $24.52 $274.52 $115.47 $390.00

1 day $50.00 $0.00 $50.00 $10.00 $60.00

Location $250.00 $24.52 $274.52 $115.47 $390.00

All insurance fees include tax.

5. Where can I get a sample copy of the insurance policy that is issued when a quad rider buys liability insurance with the FQCQ trail pass?

You can download a copy of the Q.P.F. No. 1 from the FQCQ website, in the Insurance section. This specimen Q.P.F. No. 1 should always be read in conjunction with the Distribution Guide that was issued to you when you purchased your civil liability insurance policy from Intact Insurance. If you did not purchase this insurance, you can also find the Distribution Guide on the FQCQ website, under Insurance.

6. Can I increase the amount of civil liability insurance included in my trail pass?

If you have chosen to purchase the civil liability insurance policy from Intact Insurance, you benefit from $1,000,000 civil liability coverage. Considering the sums involved in, for example, personal injury claims, many ATV drivers seek more coverage. If you are a Quebec resident, there is a way to increase the amount of your civil liability insurance.

If you live in Quebec, Intact Insurance gives you the option to get enhanced coverage by raising your amount of civil liability insurance to $2,000,000, meaning an additional $1,000,000 of coverage.

To do this, go the FQCQ website’s Insurance section, where you’ll find a form called “Request to increase the civil liability insurance limit”. Just fill it out and send it directly to Intact Insurance at the address indicated.

7. I’d like to cancel my insurance and have my premium reimbursed. What should I do?

There are two ways to request a cancellation of your civil liability insurance. They are:

– Online, by filling out and submitting the form entitled Notice of Rescission of an Insurance Contract that is available in the Insurance section of the FQCQ website;

– Manually, by filling out the form entitled Notice of Rescission of an Insurance Contract that is available in the Distribution Guide that was issued to you when you purchased your civil liability insurance policy from Intact Insurance, then sending it by registered mail to the address indicated.

Any reimbursement that you are eligible for will be issued within a maximum of 30 days starting from the receipt of the correctly filled form by Intact Insurance.

8. Can I be reimbursed without a penalty?

In the case of civil liability insurance that was sold as an accessory to the trail pass valid for 1 day or 3 days, you are not eligible for any reimbursement if you cancel, unless a properly completed Notice of Rescission of an Insurance Contract form was received by Intact Insurance before the date that the insurance came into effect.

In the case of civil liability insurance sold as an accessory to the annual or seasonal (summer) trail pass, if you request your cancellation within 10 days following the purchase of your trail pass, you will be reimbursed without a penalty. For any request submitted after the 10th day following the purchase of your trail pass, the reimbursement will be treated in accordance with the “Cancellation table” accompanying the Q.P.F. No. 1 insurance policy.

Certain conditions, exclusions and limitations apply. This document is for information purposes only. For details, go to fqcq.qc.ca/lois-et-securite/assurance-incluse-au-droit-dacces. Your insurance policy contains a complete description of applicable coverages and exclusions. The name and logo of the Fédération Québécoise des Clubs Quads are trademarks of the Fédération Québécoise des Clubs Quads, used under license. ®Intact Insurance Design is a registered trademark of Intact Financial Corporation used under license. ©2017 Intact Insurance Company. All rights reserved.