I am trying to find someone to insure me for my 1987 KLR 250, but no one is even taking a look at me since I am 16. The only place that said they would insure me is TD. But since I am 16 I had to fill out a quote application which is taking forever (its been about a month or so since i sent it out). So i just want to know if anyone knows a good broker or company that will insure me or if i have to wait a year to ride.
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Insurance for young rider
- Thread starter Anti Hero
- Start date
I hope you haven't bought the bike already -- it's VERY tough to find insurance at 16yo, even for a much smaller bike. You'd be much better off with a 250cc bike (and even still, finding insurance will be difficult).
TD should be providing you with a quote . . . this whole written application rigmarole is their unprofessional way of saying they don't want to write you; however, by law, they must provide you with a quote. I thought the Ontario Reform from Sep10 was supposed to take care of this issue, but I'm not sure what was actually passed. Refer to FSCO recommendation #7:
http://www.fsco.gov.on.ca/en/auto/5yr-review/Documents/FiveYearReviewReport.pdf
A broker would know better than I would what the rules are regarding fair practices when quoting.
Call TD and express your frustration that they haven't provided a quote in a reasonable amount of time. If they are jerks, then ask them how you could contact FSCO to deal with the matter.
TD should be providing you with a quote . . . this whole written application rigmarole is their unprofessional way of saying they don't want to write you; however, by law, they must provide you with a quote. I thought the Ontario Reform from Sep10 was supposed to take care of this issue, but I'm not sure what was actually passed. Refer to FSCO recommendation #7:
http://www.fsco.gov.on.ca/en/auto/5yr-review/Documents/FiveYearReviewReport.pdf
A broker would know better than I would what the rules are regarding fair practices when quoting.
Call TD and express your frustration that they haven't provided a quote in a reasonable amount of time. If they are jerks, then ask them how you could contact FSCO to deal with the matter.
PLau
Well-known member
Bring your car over and you'll be saving about 40%. Its pretty much one of the more affordable options insuring a SS being under 25.
-Sunny-
Well-known member
Which statefarm rep was this. Please pass that number on because I got quoted $5500 with 2 minors I have had a full G for 5 years and full M for 1 year with TD. I turn 22 this May
The SF rep shouldn't make the difference as they all enter the same numbers into the same program, You 2 tickets are what will raise your premiums to what they are.
PLau
Well-known member
The difference would be from you being in their "Plan B" policies vs "Plan A" for those with a clean record. If you were to sign with SF, they will also tell you that if you get in to an at-fault OR get another minor ticket, they'll drop you.
1 ticket makes a huge difference in premiums with SF.
"Plan A" with statefarm only applies if you have a car with them. If you don't insure a car with them you're on "plan B".
PLau
Well-known member
Really? I always thought you are moved to Plan A if you have a flawless record.... Guess I learn something new everyday.. Regardless, the tickets are probably making a huge difference. At least thats what my agent said with my policy. He referred to it as expensive and not ideal due to my record.
If you don't have a car with them, you can have up to 2 tickets on "plan B" with no effect on premium. With 3 tickets, they won't insure you. "Plan A" only applies if you have a car with them and no tickets.
PLau
Well-known member
Guess its a bit different for me with an at-fault in a car and ticket in a car but only insuring the bike...
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