Hey all , this is for a later model truck a 1985 ford pick up . Buddy wanted to redo his truck . Basically stock f150 4x4 . The box was not great so he put on a flat deck he found at a great price .
Drives truck a few years comes time to change ins co,s and they want pictures etc becaue of the age .
This ins co says oh oh its got a steel deck on it , it has to be ins as commercial now . OR you have to put a pick up box back on to be personal transportation . So he takes the deck off and replaces it with a box and tail gate and rear bumper from a 2005 dodge truck . Now he is telling me that the ins co says because its not a ford box and bumper he has to change it to get insurance ???
Has anyone ran into this or does it just sound like a load of bs ??
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I,m as cool as Milner , but axeually a bit more like Beckwith
I seem to remember reading somewhere in an MTO document, that if you are not running a stock box on your P/U, you will be considered commercial. I think this is behind the insurance decision. I wouldn't blame the insurance company on this one.
I read also that my 1 ton dually does not need a safety any more if not commercial,but also said if does not have the stock factory installed box, it will need a safety,as it is classified as commercial,so basically it has to have the original bed on it,no flat bed,I think it is a load of B.S. Also, but the insurance companys have the last say, no insurance, no drivey.
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If it has Tits,Tires or a Track,your gonna have a problem with it.
This was published a few years ago and referenced in 'Your car and Legal Issues" a few days ago.
Warren
Clipped from Haggarty website:
Vehicles That May Not Qualify
Because we provide low-cost, agreed-value coverage, we are not able to provide coverage for certain vehicles due to how they are used and the increased risk associated, including:
•Daily-use vehicles
•Camping, off-road, or utility-type vehicles
•Late model vehicles that have been highly customized for looks or performance (commonly referred to as “Tuner”)
•Vehicles that are highly customized for appearance and suspension (commonly referred to as "Lowrider")
•Commercial-use vehicles
•Motorcycles or scooters
•Replicas of the 1963-67 Shelby Cobra Roadster
•Vehicles that are used for racing, timed events, autocross or drivers education
•Vehicles modified with features such as a roll cage, wheelie casters, parachutes, nitrous components or modifications that permanently remove the roof and/or doors.
•Vehicles with 700 hp or greater (manufactured or modified)
•Right-hand drive vehicles newer than 25 years, specifically those imported from Japan
•Dune Buggies
•Motor homes or recreational vehicles
The box he put on is nice shape clean and doesn't fit badly , like it doesn't look frankenstined and he used the chrome step bumper that was stock on the dodge he go the box from . This week I,ll call my own ins co and ask them . BUT the family owned ins co I use is two brothers I went to school with so ya I guess I catch a break on my own stuff .
I,ll find out from johnny what ins co he,s using next week .
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I,m as cool as Milner , but axeually a bit more like Beckwith
Thanks Wuga, fortunately neither of my rags fall under any of those .......well, the Falcon comes close to low-rider but there's no dingle-balls or fuzzy dice.....
First of all, pickups are defined as “commercial motor vehicles” in the Highway Traffic Act solely because of their design – not because of their use. It doesn’t matter if they’re being used for personal use or business use, so if your pickup has attached to it a “truck or delivery body” it’s a commercial motor vehicle, period. It also doesn’t matter if the body is a normal pickup box or flat deck or cargo body – that has nothing to do with it. Those all meet the definition for commercial motor vehicle.
The new exemption from the annual stickers came into effect on July 1st, 2019, and it’s in O/Reg 611 “Safety Inspections”, sections 9(3) and 9(11). It says that if your pickup truck, and a trailer if there is one, is being used for “personal use without compensation”, and the pickup has a manufacturer’s Gross Vehicle Weight Rating (GVWR) of 6,500 kg or less (that’s the weight on the label on the door post), and an original box or a “replacement box that duplicates the one that was installed by the manufacturer”, and you’re empty or carrying anything BUT “commercial tools or cargo, or equipment of a type normally used for commercial purposes”, both the pickup and the trailer do NOT need the yellow stickers. This new amendment doesn’t mention a trailer weight so that weight is not factored into the calculation – the only weight that counts is the GVWR of the pickup, so the weight of the trailer doesn’t matter, at least for the stickers. Also, the Registered Gross Weight (RGW) of the truck doesn’t matter in this case (that’s the weight on the ownership that determines how much you paid for the plates).
This new exemption is obviously aimed at pickups loaded with things like ATV’s, hunting gear, BBQ’s and other recreational stuff, or towing boats and such. But the new rules do NOT exempt a pickup or trailer carrying cargo, tools or equipment that can be used for commercial purposes as well as for personal use. Unfortunately, this covers almost any tools, building materials or equipment you can think of, so if you’re loaded with roofing supplies and tools to re-roof the family cottage, maybe a Bobcat for some landscaping, good luck – that’s not going to fly and you’ll need the stickers if you’re over 4,500 kg anywhere – the old rules apply in this case.
Bear in mind this exemption is only for the stickers – all other laws still apply. For example, if your GVWR is 6,000 kg and all the conditions above are met, then, because of the GVWR you don’t need the stickers, but that doesn’t mean you can load the pickup over the registered gross weight. That is still a violation regardless of the sticker issue. And, if the trailer weight is 4,600 kg or over, you still need at least a class “A-R” driver’s licence, just like now.
Also, this exemption only applies to pickup trucks with a pickup style box, so if you’ve got a flatbed or cargo body, sorry, the old 4,500 kg rules apply. Happy trucking!
https://www.ontario.ca/laws/regulation/900611
-- Edited by TIME TRAVELLER on Monday 24th of February 2020 11:22:20 AM
-- Edited by TIME TRAVELLER on Monday 24th of February 2020 11:23:26 AM
Yes, plates for commercial vehicles are different than “passenger” plates but that has nothing to do with how the truck is used. You would get the same “commercial motor vehicle” plates regardless of whether or not the truck is used for personal or business use. It’s solely the description of the vehicle, not its use by the owner.
-- Edited by TIME TRAVELLER on Monday 24th of February 2020 09:56:46 PM
If used for personal use, there is a red sticker that the MTO puts on the plate.
This will affect insurance if you are using for Commercial use and get into an accident
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I'll Be Frank ;) 350SBC .030 Over - 0 to 60 when ever it gets there.
The plates on the wifes truck are the personalised ones she bought in 1986 for her Cavalier. We have had 4 different trucks since then and used the same plate on all of them.
The plates on the wifes truck are the personalised ones she bought in 1986 for her Cavalier. We have had 4 different trucks since then and used the same plate on all of them.
Mine too . all trucks are black plates . except for personalized
so He has commercial truck plates issued at pass car fees . I would tell him to send photo of similar truck or buy somewhere else !!!
I have a ford Ranchero two seater obviously a commercial type vehicle with "truck plates". About 6 years ago I decided to put historical plates on it. I put them on it, drove it once. The next year I wanted to drive it more so I went to get it changed back. I didn't have a weigh ticket to show the weight which they needed. So they gave me car plates to put on it. So it has pretty well gone full circle as far as the plates go. TMJ
My ins co said that the only thing they could think that Johnny,s truck was disqualified for ins would be they considered it modified and he should have covered over the dodge ram stamped into the tail gate .
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I,m as cool as Milner , but axeually a bit more like Beckwith
