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  1. chiller

    Sportbikes and uphill battles

    No, I'm with ThePersonal ... I get a multi discount for having 2 cars, house, 3 bikes with them.
  2. chiller

    Sportbikes and uphill battles

    My 2003 SV1000 costs me $375 / year for liability+comphrenesive (for the theft coverage) ... I looked at a Gixxer1000 for kicks (one came up cheap I saw) ... got a quote for $550 / year for liability+comp on it ... I'm 38 and a clean riding record for the past 10 years ...
  3. chiller

    Ride organizer liability

    funny as it sounds, I've lead many rides from the back of the pack as I would provide routing. Organize the stop points and just make it to the hotel... most people ride faster than me anyway ...
  4. chiller

    Saw Black CBR Yesterday - FYI Your Burning Oil

    Just in case anyone happens to have a friend that has a black CBR (not sure if it is a 600 or 1000) with the undertail exhaust your burning oil (blue smoke). Saw you yesterday on Erin Mills Parkway northbound (Mississauga) between 7 to 730pm ... you were followed by a red CBR250 at the time...
  5. chiller

    Insurance Questions for 125 CC Scooter

    LOL, of course the best thing to do is call a broker. I thought she was looking for what other people pay so I responded back :) I miss the old days when insurance wasn't so high for new riders.
  6. chiller

    Insurance Questions for 125 CC Scooter

    I have a Yamaha BW125 and I pay $156 / year full coverage on it ... or $120 if I want only basic liability and theft on it ...
  7. chiller

    2009 Yamaha BW 125

    http://www.kijiji.ca/v-view-details.html?adId=1267013154&requestSource=b
  8. chiller

    Pre-Construction Homes

    Each one is different. Our second one had 30 people show up for the appointment. They had 30 lots on sale that first day. At the end of the day they sold 27 of them. Our most recent one they didn't have appointments only a day they were releasing. They were releasing like 100 I think ...
  9. chiller

    Pre-Construction Homes

    All the pre construction homes I bought I had driven thru those neighbourhoods first and noted down the names of every builder in that area. Then went to their website and signed up for emails. I essentially bought the day I was invited for my appointment. On my 2nd place I was the 2nd person...
  10. chiller

    Insurance went up. Question about switching

    what's your "bike" component of that ? Or does your insurance company not specify the different values per insurance item ? Just curious ... Like I know that I pay : bike 1= $680 bike 2 = $370 Car 1 = $1600 Car 2 = $1100 House = $680 Total = $4430 So mine is cheaper than yours significantly...
  11. chiller

    Riding Multiple Bikes

    Interesting, I'd have to call again, I am with ThePersonal as well and I asked about that and they said they didn't do it for bikes only for cars. Perhaps the CSR I got didn't know ...
  12. chiller

    Riding Multiple Bikes

    Is that this year only ? I asked about that last year 2016 and they said they don't have a 'storage' option so I have 1 bike at home with no insurance / no plates on it.
  13. chiller

    Looking for classic/historic insurance...Any leads?

    is this 'recent' ? just curious ... a few years ago before I sold my 92 Kawi, I did have it registered as a 'regular' bike at about $500 / year for liability + theft ... I had made the call around to various insurance brokers and did make a call to Dalton and they told me I could have a...
  14. chiller

    Insurance went up. Question about switching

    is that 5k / year on just the bike ? that's WAY high ...
  15. chiller

    Got my 2017 renewal paperwork, insurance going down again !! WOOT ...

    hmm... I saw that caveat that they will make your work pay for a chunk first. In light of that, I didn't select any of the optional coverage items since my work coverage is fairly comprehensive and combined with my wife we have more then enough coverage for all of the items.
  16. chiller

    Kawasaki Zephyr 1100 Full Exhaust - D&D

    Posted my old Zephyr exhaust to Kijiji. Not sure if anyone knows of anyone else who has had a Zephyr since they were pretty rare to begin with. http://www.kijiji.ca/v-view-details.html?adId=1244554515&posted=true&adActivated=true
  17. chiller

    Pre-Construction Homes

    Oh I see what you mean. The deposit amount to new construction. All builders are slightly different and you'll need to check with your specific builder your looking at. An example for us: First builder was 10,10,10,10 (signing,30,60,90) and all upgrades were able to be included as part of the...
  18. chiller

    Pre-Construction Homes

    The mortgage rules changed I believe in the past 12 months. In the past it was 5% downpayment minimum on anything ... anything between 5 and 20% is subject to CMHC fees though. That changed I believe to 5% of the first $500k and 10% of any amount above $500k up to $1M and 20% for anything...
  19. chiller

    Pre-Construction Homes

    The easiest would be just to live at home with the parents to pay off your student loan and then save up for that down payment. Of course this doesn't work for everyone. But there is a huge number of millenials doing this.
  20. chiller

    Pre-Construction Homes

    I just moved into the house last August 2015. Only got married in 2013. So all my purchases have been done recently.
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