Aviva/RBC won't renew my policy even though my record is clean - anyone ever experienced this? | GTAMotorcycle.com

Aviva/RBC won't renew my policy even though my record is clean - anyone ever experienced this?

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mrspeaker

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To make a long story as short as possible, many years ago my M2 lapsed after my bike was stolen. It was only last May that I had the money to get a new bike so I re-took RTI's M2 license course and acquired a 2011 GSX-R600. After calling around I finally found a broker who put me onto a policy with Aviva/RBC.

Today. I called RBC to renew the policy and they wouldn't do it. Citing that they can't insure "any operator of a motorcycle licensed less than six years." Since I've only had the M2 for just over a year, this is technically correct. But then... how were they able to put me on the policy in the first place? The guy on the phone straight-up didn't know how I was able to get insured.

Has this happened to you before? What was your solution? I'm in the market for a new provider now...
 
Ouch. I hope you're old. I think all the companies will rate you as a new rider on an SS bike and price accordingly (five figures wouldn't surprise me)
 
The same thing that happened to me with Aviva. I had a policy with them but then they changed their policy on rider experience and informed me that they wouldn't renew me at end of policy term, same reason less than 6 years.
 
mrspeaker said:
But then... how were they able to put me on the policy in the first place? The guy on the phone straight-up didn't know how I was able to get insured.
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They likely changed their policy during your term so when renewal came they reviewed it and you didn't meet the requirements anymore.

Super sport? Yikes, best of luck.
 
GreyGhost said:
Ouch. I hope you're old. I think all the companies will rate you as a new rider on an SS bike and price accordingly (five figures wouldn't surprise me)
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I'm 32, and every day I kick myself for not borrowing a bike and taking the M test ten years ago when I had the chance.
 
mrspeaker said:
I'm 32, and every day I kick myself for not borrowing a bike and taking the M test ten years ago when I had the chance.
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You would have also have needed to buy a little 125 or something and kept that insured for as many years, then you would be getting decent rates now.
 
mrspeaker said:
I'm 32, and every day I kick myself for not borrowing a bike and taking the M test ten years ago when I had the chance.
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Trials is right. There are two problems. The first is you havent had a license for the last six years. The second is because you haven't had a bike insured for the last bunch of years, they rate you as a new rider (even if you had decades of experience in the past). Picking one of the most expensive bikes to insure just magnifies the hurt.
 
I believe Aviva changed their policy last year or so (btw, now it's 6 years of experience regardless of your bike). I was with them before and had to switch last year because I have less than 6 years of experience.

Did you receive a "non-renewal" mail from them? As far as I remember, they sent it like 2 months before the end of my insurance policy and I had enough time to find new insurance.

Like everyone else said, your bike is expensive to insure for "new" riders. Your best bet is to try some brokers or change the bike..
 
GreenPlane said:
Like everyone else said, your bike is expensive to insure for "new" riders. Your best bet is to try some brokers or change the bike..
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i would say it can be expensive for experienced one's as well. They still want $200+/month from me, if they even bother to quote! Maybe after the 10 year mark..
 
Wawa will only touch mature riders with 7 years of contiguous coverage and no tickets or claims. Basically they want your money without significant risk. Costs me ~ 800$ a year per restricted bike, near minimal coverage. I still consider that expensive, I was paying about half that much before. (before being about the same year you were born)
 
Yep, happened to my wife when she went from the 650 to the 1100 - The 650 was with Aviva but they wouldn't allow the change to the 1100 as she didn't have the years to fit their underwriting rules on a >750cc bike.

She had to switch underwriters - Dalton Timmis looked after it all. Rate did go up considerably.
 
mrspeaker said:
I'm 32, and every day I kick myself for not borrowing a bike and taking the M test ten years ago when I had the chance.
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Scroll up to the the insurance specialists sub-forum. In the Michelle Edwards All State post she says she can offer coverage on riders over age 30 on sport bikes with 1 year of riding experience. No idea if it’s competitive or not but I’d start there.
 
blackcamaro said:
Scroll up to the the insurance specialists sub-forum. In the Michelle Edwards All State post she says she can offer coverage on riders over age 30 on sport bikes with 1 year of riding experience. No idea if it’s competitive or not but I’d start there.
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based on how she's helped me out, i would say they are doing good things at Allstate.
 
Thanks. I contacted Michelle but she's unable to insure me as I haven't had a car license for more than ten years.

This is so disheartening, every single company I've called has some sort of obstacle I can't clear. **** this province.
 
Sell the supersport. That's 99% of your problem right there.

You'll be able to find insurance...just not on that bike. Unless money is of zero consequence, in which case call any broker and ask them to quote you through Facility. Sit down before hearing the number.
 
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mrspeaker said:
Thanks. I contacted Michelle but she's unable to insure me as I haven't had a car license for more than ten years.

This is so disheartening, every single company I've called has some sort of obstacle I can't clear. **** this province.
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Have you tried TD? Riders Plus are a good option too but I believe they won't insure any sport or supersport at or above 600cc.
Like others have said, change up your ride to something a little more insurance friendly. I'd try a Yamaha R3, Ninja 300 or 400. Good luck.

Sent from my SGH-M919V using GTAMotorcycle.com mobile app
 
I'm wondering how you got on to RBC in the first place. I couldn't, and I worked for them. They've always had that rule.
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