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Check out my cancellation sticky threads and simply consider that you are starting a policy now and cancelling at the end of the season.

Overall rate changes for auto are no secret -- you can find the approved rate changes right on the regulator's website: http://www.fsco.gov.on.ca/en/auto/rates/Pages/default.aspx Bear in mind these are AVERAGE rate changes, so of course some people will see changes greater or less than the...

As long as the conviction is minor they are all treated the same. For most companies, they give you the first for free (or perhaps take away a 5% or 10% conviction-free discount). After this, you can expect about a 10% increase for each minor conviction you have.

I have seen discounts given for more ridiculous reasons :P I've actually contemplated such an ATGATT discount in the past. Has there been any studies done to determine the effect of wearing gear in the event of a collision? I know it's common sense, but perhaps someone has already quantified...

What you are saying is certainly true in many respects. When a new discount is implemented, it's effect on the pool of insurance dollars is offset by charging more to the people who don't qualify for the discount. For example, if 10% of clients qualify for an ATGATT discount of 5%, then rates...

Wow, that's a lot of $$$ to be spending on a bike :S I didn't even consider a SS bike until after I turned 25yo.

Certainly -- I was just trying to explain why some people's SF motorcycle premiums may seem significantly less than yours. They are most likely combining an auto policy. You are absolutely correct that the discounts are sometimes not significant enough to make you bring your other business to SF.

Aviva is based out of the UK.

By bundling your car with SF, your bike premium will drop nearly 40%.

Bingo. Mistakes on a modern SS bikes are amplified. All new riders, no matter how awesome, skilled, and careful they claim to be, will make mistakes. I've been riding a while and I still mess up every now and then. OP, I strongly suggest you start off with a smaller bike. For your first...

With State Farm, you start low because they consider your car and bike experience as one and the same. This is unique to State Farm -- most other companies will start you off at 0 yeras of bike experience. Moving from 6 years of SF experience to 7 years of SF experience will not result in much...

Insurance is high for young riders because they claim a lot. The reasons? This is most likely due to a combination of immaturity, inexperience, and a lack of a fear of death.

The discount is feasible IMO. Similar to winter-tire discounts that are not uncommon, it would be based on the honour system. The insurer would never deny you a claim simply because you didn't have your winter tires on, but I suppose the could nail you for misrepresentation and cancel your...

Thanks for the links guys -- it appears I was mistaken.

I could very likely be wrong, but when looking at some planes with my instructor I thought he mentioned that homebuilt planes had to be inspected at least once a year (or something like that)? On the other hand, an Ultralight built to the manufacturer's specs (without modification) doesn't have...

I believe that an experimental/homebuilt plane has more strict maintenance/inspection requirements compared to a registered Ultralight.

There was a Rans ultralight up for sale a while back (beautiful looking machine!) for about $28K that was capable of acrobatics and pretty high speeds -- sounds like your perfect plane :)

The local distributor (Brian Quickmire) seems like a VERY nice guy. I emailed him some questions on the Challenger a while back and he is very thorough in his replies. He is clearly an enthusiast himself :)

I don't take claim to the data or descriptions that I included below, but I geocoded a map of the airports/strips in Ontario by their status and you can see it here: http://batchgeo.com/map/5885c0f2cf38d852bdf84fc737c26342 AERODROME STATUS Certified (Cert) An aerodrome for which an...

That's no problem -- glad to help!