$1,400/yr To Insure Me For An R6.... Yeah Right

Pegassus said:
He's 37 I'm 41, he lives in Kitchner I live in Toronto. He got his M licence 1 year ago I got it 3 years ago, he's been riding motorcycles since he was 30 years old I have been riding motorcycles since I was 12.

He has had a driver's G licence since 2001, I had had one since 1989.

The only thing he has positive over me is location, so we should be paying the same to even things out. Don't punish me for the idiots that have had accidents in my postal code.
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I think those matter less and less the older you get (Staring at 30+ probably). Theres a certain "breakpoint".
 
Oh stop being a baby, I pay 1700 a year for a effing 125cc. Dont be such a little *****.

You're 41, if you can't afford it don't ride. Nobody likes weiners or whiners.
 
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Matthew.Tremayne said:
Oh stop being a baby, I pay 1700 a year for a effing 125cc. Dont be such a little *****.

You're 41, if you can't afford it don't ride. Nobody likes weiners or whiners.
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This. I pay 1,900 for my Ninja 300. If we all whined about our problems this forum would be a shitfest.
 
I think peggy missed the meeting that supersports are more to insure and living in Toronto is the suck.

homer-simpson-doh.gif
 
I'm 41 and ride a 2011 zx10r, and live in the GTA. My premium is $1440 a year and I'm happier than a pig in *hit to be paying that.

Don't complain people on this forum have it far worse than you and I.

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You're complaining that it costs $1,400 to insure a vehicle that would put most supercars to utter shame?

Go check how much it costs to insure a supercar, then think about why you are buying the bike.
 
Also, do you guys have the same record?
 
To all those saying it's an acceptable rate: look at what it costs in the USA for *identical* coverage. It's easily 1/10 of what OP is being quoted. It's the state of affairs here, and there's no sense ranting about it, but it is NOT acceptable.
 
drumstyx said:
To all those saying it's an acceptable rate: look at what it costs in the USA for *identical* coverage. It's easily 1/10 of what OP is being quoted. It's the state of affairs here, and there's no sense ranting about it, but it is NOT acceptable.
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But in the states you dont have to have a max of 1 mill coverage. Actualy you have to in Canada either but few places offer the 200 thou coverage. The reason its cheaper for that coverage in the states than in ontario is that its optional for that level of coverage.

BTW for my GSX400 I only pay 500 a year. 28 no records 1 at fault 7 years ago living in KW.
 
Re: $1,400/yr To Insure Me For An R6....

Pegassus said:
P.S. remember that this price is just for 4 months of riding since I don't ride before June or past September
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Missed the edit - LOL! Oh no! it's spring, oh no! it's fall can't possibly ride then. Lordy...
 
It is much cheaper to insure in the US however we don't live in the US and we need to live with the reality that it's damn expensive to insure motorcycles in Ontario.

The $1 million liability is what is killing our rates. Apparently back in the 80’s umbrella liability coverage was abolished. Which is completely idiotic because between two cars a bike and a home your technically paying $4 million in liability. Its redundant and completely unnecessary, but we live in an insurance oligopoly in Ontario.





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Re: $1,400/yr To Insure Me For An R6....

Pegassus said:
P.S. remember that this price is just for 4 months of riding since I don't ride before June or past September
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Really? Worried you might catch a chill or melt? Let me guess, it's the insurance companies fault you're a whiney ***** and they should make an exception for you and give you four months coverage instead of a year. Sorry princess. Need to learn to suck it up or stick to cars. :thebirdman:
 
Re: $1,400/yr To Insure Me For An R6....

I live in Kitchener
27 years old
2008 Honda CBR600RR
Had my M2 maybe 3 years now
Insured with State Farm since last October.
$1300/year

I love my location.
 
Re: $1,400/yr To Insure Me For An R6....

33
Clean record
Toronto but to be more specific, Scarborough
Full M as of last year
Just switched to TD Meloche Monnex
2007 ZX-6R, considered super sport
I also have 2 cars and home insurance with them (don't know if it makes a difference)

$92/mth or for those who cant multiply $1104/year for FULL coverage! Wheeeeeeee...
 
Re: $1,400/yr To Insure Me For An R6....

Looking forward to the same bs thread from peggy next June. You did the same **** last year, what did you expect to change? You went from a 2002 to a 2010 and saved $800 in comparison. Sounds like you are doing pretty well.
 
poukali said:
It is much cheaper to insure in the US however we don't live in the US and we need to live with the reality that it's damn expensive to insure motorcycles in Ontario.

The $1 million liability is what is killing our rates. Apparently back in the 80’s umbrella liability coverage was abolished. Which is completely idiotic because between two cars a bike and a home your technically paying $4 million in liability. Its redundant and completely unnecessary, but we live in an insurance oligopoly in Ontario.
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This millionaire coverage is stupid, in the US it's $200,000 and you only pay $36/month insurance for your bike. Why do we need $1 million coverage anyways? It's not like a bike is going to destroy 10 BMW's in a crash, no way a bike can do that kind of damage. Let us choose what coverage we want.
 
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