Total Motorcycle Community Forums

dr_bar wrote:So, what do you pay, and what's the coverage you get... ???

The VTR and the VFR were around $100/year PL and PD. I'm bracing for what the new Duck will be but I suspect somewhere around $600/year for everything should cover it. Our insurance in Alberta must be related to the length of our riding season.....

bill1300 wrote:You won't get any arguements about ICBC ripping us off from me.
The insurance (thru ICBC) on my 1300 is $1987 yr with the maximum discount.

That's just crazy! I have an airplane that carries full coverage. $1 million in liability and $55K replacement. My annual premium is $1000.

My bike just carries liability (too old for full coverage to be worth it). It's only $95/yr.

Good lord, this makes me really appreciate the competition on the US market now. I will (hopefully?) be paying insurance on my first bike sometime in the near future, and I can't afford anywhere near what all of our Canadian bikers are saying they have to pay.

government is never the solution - it is always the problem.

I was just about to make a rant about this, but I might as well just add to this thread. I live in Manitoba, and while I don't have my bike yet, the approximate total using the cheapest options came out to:

$2,407

This is bloody ludicrous, not to mention you can only ride in Manitoba for 5 months of the year! Rest of the time the weather's too crappy and dangerous and winter lasts too damn long.

I was truly hoping there was another option, but if these rates don't smarten up soon, I'm resorting to a scooter. $2,500 for 5 months of riding on a 125 or 250cc motorcycle? Or $400/yr for a 500cc scooter. What the hell is wrong with these people?

The sad thing is, these rates have gone UP by $200 since 2007's season.

Maybe the government wants all of you to start driving cars.

I pay $500 a year for full coverage on a Vulcan 500 and I'm 22... a reckless age supposedly.

The basic is pretty crazy. I think I pay $300 over in Alberta for "full year basic coverage". The saleslady trying to pitch keeping it insured over the winter months with basic liability was pretty funny.

damn I pay $298/yr for full coverage.

I've been riding for 4 years and had only 2 claims. Considering that I bought my insurance instead of being under my parents I have a decent history when it comes time to get a car insured.

adrielm wrote:The basic is pretty crazy. I think I pay $300 over in Alberta for "full year basic coverage". The saleslady trying to pitch keeping it insured over the winter months with basic liability was pretty funny.

I think it's crazy as well. It's a damned good thing I get the safe drivers discount, if I didn't and had to buy through ICBC, $5257 would be my total cost... That's without having an accident, then they start throwing unsafe driver surcharges etc, etc... getting insured could, no would, cost the same as a new bike.