Ontario law says you cannot be refused insurance (if they cover that model), but you don't have to like the quote.
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Ending my Search for GSX-R
- Thread starter Merkid
- Start date
Yes , however many get around it by just not covering that model , at any premium.
Many of us went through similar in high school, you would tell the agent you bought a 73 dodge dart like your moms. He would call about a week later, that’s a 340 dart with a 6pack carb set , attached to a 4 spd. That’s a bit different from your moms car , and here is your new rate . For sale in the penny saver classified’s two weeks later and you’d get a clapped out Datsun B210 .
Sent from my iPhone using GTAMotorcycle.com
Many of us went through similar in high school, you would tell the agent you bought a 73 dodge dart like your moms. He would call about a week later, that’s a 340 dart with a 6pack carb set , attached to a 4 spd. That’s a bit different from your moms car , and here is your new rate . For sale in the penny saver classified’s two weeks later and you’d get a clapped out Datsun B210 .
Sent from my iPhone using GTAMotorcycle.com
Dirty Frank
Well-known member
Way back when jevco bailed out from insuring sport bikes and causing quite a debacle for folks trying to only insure a sport bike without other insurance business included they were foolish enough to have a booth setup at the January motorcycle show.
Having received their FU letter in the mail only a few days previous i was feeling a bit salty and seeing their reps smiling face I thought it would be an appropriate time to give some customer feedback. While i was sharing my thoughts on jevco corporate policy a couple of other guys came over and they were more vocal about their concerns with the insurer. Shortly the poor soul just shook his head and abandoned the booth.
I almost felt sorry for the guy.
Having received their FU letter in the mail only a few days previous i was feeling a bit salty and seeing their reps smiling face I thought it would be an appropriate time to give some customer feedback. While i was sharing my thoughts on jevco corporate policy a couple of other guys came over and they were more vocal about their concerns with the insurer. Shortly the poor soul just shook his head and abandoned the booth.
I almost felt sorry for the guy.
While true, I feel bad for the messenger being sent into lions den right after the letters went out.
Dirty Frank
Well-known member
I assure you that the letter carrier was unscathed.
Lots of snowmobiles getting blacklisted now as well. I had to change my ins company when I got different sleds last year.
How does a sled get blacklisted with so little use? Do postal codes matter for sled insurance? I dont think any near me have left the garage this year.
Some have some wicked engines for instance a buddy had a Yamaha sled with a factory R1 engine. He described the speed it put out and it sounded scary so I wonder if the insurance companies have found another source to screw owners over.
I've been on some really fast sleds, I was just surprised that they get crashed enough in southern ontario to get blacklisted. I figured knobs that crash sleds could do so almost as effectively on slower sleds (that are still fast but often dont turn as well as their faster more expensive brethren)
Stop by a sled salvage yard sometime. Lots of evidence there.
Better to buy a base 318 dart and then swap the engine to something else. Plain paint with no stripes, steel wheels, and dog-dish hubcaps for the win. If you did it right, no one would be the wiser without looking really close. You could start with a /6, too, but then the VIN wouldn't match up to being a V8 car, and there's more involved in the swap.
I knew someone back in the day who had a 1980-ish Honda Civic with Prelude drivetrain and brakes plus stuff done to the engine.
I met a gentleman in Newcastle riding R1, he was definitely 60+. Maybe it was Merkid's friend ¯\_(ツ)_/¯
We did some track days hosted by our BMW MOA club, there was a guy there on his K1200S. He was 76 years old.
If I understand you correctly, people crash their sleds then report their crash to their insurance in order to get it repaired? Why would anyone make a claim instead of just repairing it themselves, wouldn't it be way cheaper than having their rates raised?
For the individual, it depends. Not that hard to write off a five figure sled. They may not get another sled so it doesn't affect their rates and is a win. Even if they get another sled, the chance their increased premiums cover the cheque on an expensive crash is low. If damage is only a few grand, I wouldn't involve insurance.
I was more surprised that given the small sample pool (even less sleds than bikes, most get used very little, those that do get used often mostly get used very far from home), I am surprised they have sufficient data to blacklist models.
A lot of newer sleds arn't something you can always fix yourself. It's not like the old days when you banged a ski straight and added some FRP to the hood.
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