They play cheaper insurance, however they get juiced way more for the msrp price of a new vehicle/bike, and then there is the gasoline price difference.
What about fire and theft etc during the time it is suspended?
I know we've been over this before, but I can't help but point out that it's more expensive for you, but not necessarily for everyone.Nada for both. The numbers above are just the bare minimum for ON and BC: basic liability, no comprehensive: I break, I pay. Bike gets stolen, I cry.
For a bike that costs $15,000 new, it's about $413/year extra for comprehensive. On my R1250GS, I'm paying double that, because it's double the cost.
So in BC, a full year for the R1250GS's mandatory liability ($1390) + extra comprehensive ($863) works out to a total of $2253/year.
In Ontario, I remember paying ~$1200/year for full coverage (liability + comprehensive) for my R1200GS, but that was a few years ago.
Bottom line, insurance is more expensive in BC than it is in Ontario. By a huge F-n margin.