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If someone in your house also has an M-class license, you can exclude them on your policy using an OPCF28A endorsement so that your rates aren't impacted by them: https://www.fsco.gov.on.ca/en/auto/forms/Documents/OAP-1-Application-and-Endorsement-Forms/1069E.pdf When you meet with your...

Hey Hanson! Although it may now be a little bit out of date, you should consult my sticky thread to find companies that might give you a good rate: http://www.gtamotorcycle.com/vbforum/showthread.php?111466-READ-BEFORE-POSTING-Which-Insurance-Company-will-give-me-the-best-rate There are some...

That's Jagmeet Singh -- the MPP of the Brampton area who wanted to eliminate territory/regional rating of auto insurance. Now why would the MPP of the area of Ontario with the worst auto claims experience want to eliminate territory rating? Well, so that people living everywhere else in...

I'm glad to see that GTAM members understand this -- I've explained this countless times in the forums and made the stickies as a result. It's a little confusing at first, but makes perfect sense when you think it through.

You can't just say it is a 30% increase . . . it depends on many factors! While the claim may be on record for 6 years, in contrast to auto insurance rating algorithms, most motorcycle insurance rating algorithms only consider claims in the past three years. Your Driving Record (or star...

Maybe try getting a quote through a Co-operators agent?

The list of unacceptable modifications varies widely from insurer to insurer. I have seen a couple of these lists, and unfortunately it appears as if they were written by an underwriter who has no experience with bikes, and for people who have no experience with bikes. They are complete with...

I'm not really sure if time with your M2L is considered as time with your M2 when you eventually get a bike. Why not take a motorcycle safety foundation course to get your M2, and then use your M2 to ride a Moped? FYI, Motorcycles and Mopeds are considered different "Vehicle Types" in the...

I'm a little late to this thread and I'm no Underwriting expert, but the Ontario Insurance Act states that an insurer cannot refuse to issue a new policy for Auto insurance due to "the fact whether a person who would be an insured person under the contract owns a home." You can look it: R.R.O...

Thank you for the kind words :) I can understand the skepticism of the average GTAM member, so there's no hard feelings toward them . . . Ontario rates (particularly in the GTA) are high, and people feel they are being screwed. Without understanding how everything works and the reasons for the...

Hi Guys, Would anyone have access to data that could tell me the approximate market values in Ontario for the following 10 bikes? Maybe a bluebook or something of the sort? I need this info for a project I'm working on. 2010 HARLEY DAVIDSON FLHTK ELECTRA GLIDE ULTRA LTD 2010 HARLEY...

The agents cannot deviate from their company's rating manual that is filed with the regulator. If you are quoting the exact same coverage levels you premium should be *exactly* the same, regardless of the agent doing the quoting.

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I should add that the OP's situation is a little unique because his friend isn't living with him. How does the OP's friend get from her house to his house so that she can ride her bike? This will probably look suspicious to underwriting. In my first response, I thought this was a live-in...

Since the bike is primarily garaged at your house, then she must let her broker/agent know. Your insurance rates are based on where the bike is primarily garaged each night during the riding season.

Storing over the winter, or garaging the bike at your place all spring/summer? is it parked at your place every night?

An insurance company cannot simply decline to quote you unless you do not meet their eligibility criteria filed with the regulator. If you are denied a quote, you could ask for the reason for the denial and then ask if that reason is detailed in their Underwriting Manual's filed eligibility...

I don't see what you current court case (i.e. open insurance claim) has to do with your ability to get quotes with other companies? You were not at fault in the collision, so it should have absolutely no impact on your future rates or your eligibility for insurance. I hope you get better soon!

According to JD Power, Desjardins ranks near the bottom for "Customer Satisfaction" for the 21 companies shown; however, the variance in "satisfaction" from worst (729) to best (794) isn't that great. It seems that Ontario/Atlantic insurance policyholders are generally satisified, regardless of...

I created the flowchart more as a guide, and I did it a while ago so it might require some modifications now (since rates by company change). Sometime I'll get around to updating it, but I would have to understand Desjardins' eligibility criteria first (i.e. what will the insure, what will they...