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buddhacide
Joined: 26 May 2006
Posts: 142
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| Posted: Tue Jun 06, 2006 7:35 pm Post subject: Best Insurance quotes for Canada/Ontrario |
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Who do you guys use for insurance?
Also, do insurance companies in Canada take into consideration the seasonal nature of Canadian riding. Can I get a plan of coverage from say June- October?
TIA |
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buddhacide
Joined: 26 May 2006
Posts: 142
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| Posted: Sat Jun 17, 2006 5:24 pm Post subject: |
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| Nobody? |
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RTR
Joined: 05 Jan 2006
Posts: 287
Location: Bowmanville, Ontario, Canada
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| Posted: Sat Jun 17, 2006 8:52 pm Post subject: |
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Although our primary riding season in Ontario is from May until say October. It could start earlier and finish later depending on personal choices.
Insurance is issued on a per annum basis. With the majority of your premiums being used up during the summer months.
Most companies mandate payment upfront. Some will prorate over a few month period. Only State Farm that I know of allows monthly payments.
Example of my policy. Kingsway General. Short Rate Cancellation table is as follows:
1-30 days 15 %
31-60 days 32 %
61-90 days 49%
91-120 days 66%
121-150 days 83%
151 days and over 100%
Hope this helps. |
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buddhacide
Joined: 26 May 2006
Posts: 142
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| Posted: Tue Jun 20, 2006 10:35 am Post subject: |
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| Thanks. I tried to get allstate but they will only insure people that have other insurance with them. I went with Riders Plus. It was the ceapest quote I could find ($1290), payable over 6 months (threw it on the old credit card. I think there is a similar short rate table to that one. |
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NorthernPete
Joined: 02 May 2005
Posts: 2743
Location: Northern Ontario, Canada
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| Posted: Tue Jun 20, 2006 3:20 pm Post subject: |
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I picked up a brocure when I was in Ottawa for a company called Riders Plus, Im gonna check them out for a quote, anyone else want to,
www.ridersplus.com
I'll lket you know how it goes...
Im currently paying 1100 a year PLPD for my bike (I know, ouch, but I have my M2 only with no MSF course) |
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RTR
Joined: 05 Jan 2006
Posts: 287
Location: Bowmanville, Ontario, Canada
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| Posted: Wed Jun 21, 2006 7:30 am Post subject: |
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NorthernPete wrote: I picked up a brocure when I was in Ottawa for a company called Riders Plus, Im gonna check them out for a quote, anyone else want to,
www.ridersplus.com
I'll lket you know how it goes...
Im currently paying 1100 a year PLPD for my bike (I know, ouch, but I have my M2 only with no MSF course)
From your signature, are you not a member of Southern Cruisers? I thought I had heard that they have some kind of corportate discount with Kingsway General. Worth a shot.
Also a $400 investment of the CSC (Canada Safety Council) "Gearing Up" course at your local college could provide you huge savings down the road. |
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NorthernPete
Joined: 02 May 2005
Posts: 2743
Location: Northern Ontario, Canada
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| Posted: Wed Jun 21, 2006 6:25 pm Post subject: |
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YellowWing wrote: NorthernPete wrote: I picked up a brocure when I was in Ottawa for a company called Riders Plus, Im gonna check them out for a quote, anyone else want to,
www.ridersplus.com
I'll lket you know how it goes...
Im currently paying 1100 a year PLPD for my bike (I know, ouch, but I have my M2 only with no MSF course)
From your signature, are you not a member of Southern Cruisers? I thought I had heard that they have some kind of corportate discount with Kingsway General. Worth a shot.
Also a $400 investment of the CSC (Canada Safety Council) "Gearing Up" course at your local college could provide you huge savings down the road.
Thats IS with my SC discount *chuckles* Im getting hosed.... |
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RTR
Joined: 05 Jan 2006
Posts: 287
Location: Bowmanville, Ontario, Canada
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| Posted: Wed Jun 21, 2006 8:56 pm Post subject: |
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OUCH! That is bad.
How is your record? If it is clean. Try calling Dalton Timmis Brokerage, http://www.daltontimmis.com/ Ask for Josh Pauls. He tried to help me earlier this year. Unfortunately, I had a couple of tickets.
Good luck. |
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NorthernPete
Joined: 02 May 2005
Posts: 2743
Location: Northern Ontario, Canada
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| Posted: Mon Jun 26, 2006 10:33 am Post subject: |
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well, I called up RiderPlus...and they wont insure me because I didnt take the MSF course....oh well... Life will go on.
clean driving record means nothin to them I guess. |
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ArcticHarleyMan
Joined: 15 Oct 2006
Posts: 154
Location: Yukon, Canada
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| Posted: Mon Oct 23, 2006 10:23 pm Post subject: |
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| What I find really wild about m/c insurance is the fact that we can't ride all year round, yet have to pay for full year coverage. Now, snow machines can be insured for partial years, as can cages and RV's. Wazzupwidat?? :shock: |
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blues2cruise
Joined: 22 Apr 2005
Posts: 4995
Location: Vancouver, British Columbia
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| Posted: Tue Oct 24, 2006 6:55 pm Post subject: |
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Here in BC, if you have all your coverage with ICBC, you can insure for just 6 months if you wish. Or just a day.
However, if you have alternate collision/comprehensive with Beacon you must insure for the whole year.
Given that storage insurance is so darn expensive, the combination of ICBC compulsory and Beacon for the year make it about the same cost as having 6 months insured and 6 months storage. |
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Puyopop
Joined: 20 Nov 2006
Posts: 115
Location: Sarnia, ON
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| Posted: Sun Dec 17, 2006 5:07 am Post subject: |
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| From what ive heard riders plus seems to be one of the best places to get insurance in ontario provided you have taken the msf course and are over 25, im not over 25 so poo. Quotes ive seen for a ex500 are rediculous im thinkin ex250 would be a much smarter choice for me. |
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Roxygirl
Joined: 13 Jul 2008
Posts: 6
Location: Burlington, Ontario Canada
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| Posted: Sun Jul 13, 2008 11:50 am Post subject: |
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Hi,
I just did my M2. I know that insurance are a killer for beginers!!!.
I nedd some help. I am 35 yeras old lady,lol living in Burlington, Ont. I am looking for small cc bike. Can you help me with advis which should I look for to buy. As I mention, I am a beginer. Have no experience at all. Just did my M2 at Sheridan Collage over 3 days thats all.
Is anyone to willing help me.
Alice |
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Lisa
Joined: 15 Jul 2007
Posts: 57
Location: Trenton, On
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| Posted: Sat Aug 09, 2008 2:26 pm Post subject: |
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| here is a list of bike friendly insurance agents in ontario. Due to the nature of my abstract I'm with jevco for 1057 a year. the rider safety course didn't affect my insurance, same rate with or with out it. next year i'll shop around when 2 of my tickets expire and see what the competition says. http://www.gtamotorcycle.com/vbforum/showthread.php?t=50883 |
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RTR
Joined: 05 Jan 2006
Posts: 287
Location: Bowmanville, Ontario, Canada
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| Posted: Wed Aug 20, 2008 4:48 pm Post subject: |
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Roxygirl wrote: Hi,
I just did my M2. I know that insurance are a killer for beginers!!!.
I nedd some help. I am 35 yeras old lady,lol living in Burlington, Ont. I am looking for small cc bike. Can you help me with advis which should I look for to buy. As I mention, I am a beginer. Have no experience at all. Just did my M2 at Sheridan Collage over 3 days thats all.
Is anyone to willing help me.
Alice
Welcome Alice,
As for a beginner bike. Set yourself a budget. Then try a few out for size and feel. Before you purchase inquire as to the cost of insurance for each of the bikes. This cost could be a deal maker or breaker. Then once you feel comfortable with the feel and cost, negociate a deal for it.
The link Lisa provided for insurance is a great source to refer to.
Good luck! |
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