Insurance at 16?

I was wondering about the M2 test (M1 exit test).

I don't want to buy a bike, but I would like to get licensed for it so I don't have to go through the paperwork and everything after I have money to buy it. How do I get a bike to do the tests without buying a brand new bike that I won't use for a few years? Is there a service that rents them out for people wanting to do the tests?
 
junhc said:
I was wondering about the M2 test (M1 exit test).

I don't want to buy a bike, but I would like to get licensed for it so I don't have to go through the paperwork and everything after I have money to buy it. How do I get a bike to do the tests without buying a brand new bike that I won't use for a few years? Is there a service that rents them out for people wanting to do the tests?
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You simply take a training course -- you use their bikes for the course, and at the end of the course you will have your M2 (after waiting the requisite amount of time between your M1 and M2).
 
tuition isnt really something of too much concern as i have save along with my parents enough to get through 5 years of uni :P. The downside i see for motorcycles is that insurance is just to much of a pain for 16yo to deal with. A long with going out and having a good time a motorcycle is way to expensive to afford atm. Im really thinking of just riding with my dad in richmond hill go station till i end up getting better at riding. Probably wont be insured on it but dont think ill get in a tone of trouble if anything after all its a '83 gpz550. Pretty beat up anyways plus i already know how to ride decently. I guess i should wait till im done high school to get a bike. But im still going to get my m2 asap so that my insurance will continue to go down as the years go by. Thanks for everyones input and hopefully this thread can come to use of another 16yo :)
 
nikhil567 said:
tuition isnt really something of too much concern as i have save along with my parents enough to get through 5 years of uni :P. The downside i see for motorcycles is that insurance is just to much of a pain for 16yo to deal with. A long with going out and having a good time a motorcycle is way to expensive to afford atm. Im really thinking of just riding with my dad in richmond hill go station till i end up getting better at riding. Probably wont be insured on it but dont think ill get in a tone of trouble if anything after all its a '83 gpz550. Pretty beat up anyways plus i already know how to ride decently. I guess i should wait till im done high school to get a bike. But im still going to get my m2 asap so that my insurance will continue to go down as the years go by. Thanks for everyones input and hopefully this thread can come to use of another 16yo :)
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Good work on saving for tuition! Your future self will thank you.

If you're just riding around on public property, you don't need insurance. Go Transit might take an issue with this though.

At 16yo, you should save your money for other things. If you absolutely need transportation, a car is a much more affordable (and practical) option.

Good luck!
 
and people wonder why we have so few people getting into this sport,, everyone and their sister is saying "Don't do it"

The kid is already saving for school, isn't being a kid supposed to be fun??
 
Nofear said:
And if you get one speeding ticket for 10km over, bam back up to $8000

Edit:



No, it's because insurance is f**king retarded in Ontario
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We all know that insurance is high in Ontario but the fact that you always post "facts" or complain about insurance without doing your research makes you look like an idiot.

Ex. When you were complaining about your own situation and told me to gtfo when you obviously didn't know what liability coverage was for. ( http://www.gtamotorcycle.com/vbforu...surance-for-young-rider&p=1747596#post1747596 )

Not everybody will be CONVICTED for their violations and most insurance companies let the first ticket go anyways.
 
I know what every part of the coverage is for, you can fall back on saying "oh he doesn't know what it's for" all you want. The only fact that matters is in Ontario no matter how good your driving record is, if you are young insurance premiums are downright criminal.

I have a friend in the US (he's 20 by the way) who rides an R1, he couldn't believe my premium for the 250 so he went to his insurance company down there and used the online quote. He cranked up all the coverage to the MAXIMUM, and it was MORE liability, medical, and accident coverage than I have right now then he entered his information: 20 years old, 2009 R1, 2 Speeding tickets, and 1 reckless driving charge. Guess what his quote was? A little over $2000 for the year, less than half of what I was quoted for liability only on my 250.

So yes, it is f**king insane.
 
Nofear said:
I know what every part of the coverage is for, you can fall back on saying "oh he doesn't know what it's for" all you want. The only fact that matters is in Ontario no matter how good your driving record is, if you are young insurance premiums are downright criminal.

I have a friend in the US (he's 20 by the way) who rides an R1, he couldn't believe my premium for the 250 so he went to his insurance company down there and used the online quote. He cranked up all the coverage to the MAXIMUM, and it was MORE liability, medical, and accident coverage than I have right now then he entered his information: 20 years old, 2009 R1, 2 Speeding tickets, and 1 reckless driving charge. Guess what his quote was? A little over $2000 for the year, less than half of what I was quoted for liability only on my 250.

So yes, it is f**king insane.
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Did you also consider where he is located and the financial situation the US is in?
What exactly were the numbers? I'm curious how much medical coverage he had on his motorcycle insurance policy.

PS. You obviously didn't know what you were talking about in the previous thread and you spoke as if you did. Who knows, maybe you learned something since then.
 
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PLau said:
PS. You obviously didn't know what you were talking about in the previous thread and you spoke as if you did. Who knows, maybe you learned something since then.
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No it was you who misinterpreted everything I said because you didn't fully grasp what I was saying.

You said "he probably still doesn't understand that insurance doesn't JUST cover his bike or damage to other vehicles."

To which I replied "Are you seriously that thick? I knew before the thread even started that insurance companies are more worried about legal and medical expenses, my quote doesn't even include collision damage, only liability."

I was pointing out that personal vehicle damage was completely unrelated to the entire thread because my quote didn't even include collision, so why would I be discussing that? If I crash, the repairs were on me and I knew that, yet you took it as me saying something different. At that point I decided to no longer waste my time with people who don't know how to read properly.
 
Nofear said:
No it was you who misinterpreted everything I said because you didn't fully grasp what I was saying.

You said "he probably still doesn't understand that insurance doesn't JUST cover his bike or damage to other vehicles."

To which I replied "Are you seriously that thick? I knew before the thread even started that insurance companies are more worried about legal and medical expenses, my quote doesn't even include collision damage, only liability."

I was pointing out that personal vehicle damage was completely unrelated to the entire thread because my quote didn't even include collision, so why would I be discussing that? If I crash, the repairs were on me and I knew that, yet you took it as me saying something different. At that point I decided to no longer waste my time with people who don't know how to read properly.
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http://www.gtamotorcycle.com/vbforu...young-riders&p=1732683&viewfull=1#post1732683

Nuff said.
 
"collateral damage"

Implying damage to property, not people.

Yes I know that falls under liability, but cars do way more collateral damage than motorcycles so why is my bike insurance be higher? (That quote I was talking about also did not include medical btw)
 
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Take your money you spend spend on insurance and do the following:
1. attend a trackday or rider school i.e. Fast or others of the like
2. find a cheap bike to buy for track use, say about $1500-2k for a done up 250/500/ or older 600 f3 or f4
3. buy proper gear
4. now go ride the track every weekend and you will be a much better rider and have lots of fun, you can even race.

When you are a bit older and have enough road experience driving a car then buy a nicer bike to enjoy. You will have the skills and experience to handle it.

Bikes are not toys or cool fashion accessories or pickup magnets.
You are 16, your brain is still developing never mind your natural hormones.
Stand back and think about what I am suggesting.

PM Reciprocity and ask him if you can come to a track day with him or he can point you to others. You will get to go and experience the fun first hand then decide from there.

Your insurance will be about $5000 a year likely upfront.
 
Nofear said:
"collateral damage"

Implying damage to property, not people.

Yes I know that falls under liability, but cars do way more collateral damage than motorcycles so why is my bike insurance be higher? (That quote I was talking about also did not include medical btw)
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In Ontario, you don't choose to have medical coverage or not on your insurance policy.
 
Anyways, back on topic, OP, until you turn 25, insurance will rape you up the arse. Its a bit less painful at 21 though :P
 
Another big factor that people are missing out on is that you have 0 driving experience - a lot of insurance companies would like you to have some actual driving experience under your belt.
 
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