S N O W B I
R D S
24 Driver Licensing Requirements & Insurance:
It is very important for all RV trailer owners in BC to realize that if you are involved in a crash while towing an RV trailer with an actual on-road weight that exceeds 4600 kilograms (10,141 lbs), and you do not have the proper driver’s licence (e.g. a Code 51 Endorsement for a Class 5 Driver’s Licence) - you may be in breach of your insurance policy.
Here is a key excerpt from ICBC’s booklet titled: “Towing a Recreational Trailer - What Every Driver Towing a Recreational Trailer Should Know”:
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Warning: “It is your responsibility to ensure you have the appropriate driver’s licence and driving skills for the trailer you are towing. Without the proper licence, you may be in breach of your insurance policy in the event of a crash. Your insurance claim may be denied, including claims for your own injuries, or damage that you might cause to your vehicle or to other people or property. You may then be responsible for paying these costs”.
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CERTIFIED GENERAL ACCOUNTANT Gabriele Banka, DAcct., CGA, BBA Appl. Simply Accounting Certified
BANKA & COMPANY INC., is a Kelowna based Certified General Accountant (CGA) firm ready to help you with your financial management and tax needs. CGAs advise individuals and businesses in industry, commerce, finance, government, public practice and other areas where accounting and financial management is required. Clients range from major corporations and industries to entrepreneurs and individuals.
#105-565 Bernard Avenue, Kelowna, BC V1Y 8R4 Tel: 250-763-4528 | Fax: 250-763-4529
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rvsnowbirds.com
Such a scenario could spell financial disaster for most people. Based of my experience, it would appear that very few people in both the RV Industry and the RV User Community are aware of this Driver Licensing requirement - which I understand has been in effect since 2003. Note that if your RV trailer’s GVWR exceeds 4600 kg (10,141 lbs) - you have the potential of loading your trailer to its full Cargo Carrying Capacity and therefore it’s actual on-road weight could exceed 4600 kg.
Refer to ICBC’s web site for definitions on the classes of driver’s licences and full details on driver licensing requirements associated with towing an RV trailer exceeding 4600 kg. Also, don’t confuse the Code 51 (house trailer)
OBTAINING A CODE 51
By Dennis Lanthier
Driver’s Licence Endorsement
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