Insuring a second bike

silverbullet132 said:
Never heard of this, and I have got a no slip ticket multiple times. Never did anything about it for about 2 weeks after each case too.
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It is actually against the law to ride without PROOF of insurance. There is a ticket for it. The fine is not as high as riding WITHOUT insurance. If you got off, it was only due to the leniency of the officers
 
Elton, liability is mandatory. Fire and theft is optional. You can't get insurance without liability (and accident benefits)
 
BusaBob said:
Elton, liability is mandatory. Fire and theft is optional. You can't get insurance without liability (and accident benefits)
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*** You can't ride on public roads without liability ***

Some insurance companies insure fire and theft ONLY on the bike/car if you have multiple vehicles with them (those of which have liability coverage of course)
 
The last time I tried to get fire/theft only on a bike I was told that wasn't offered anymore. Too many people cheating the system so I could only get bike policies with liability (fire/theft were optional with the liability policy). For a car, getting fire/theft only is easy.
 
Something I'm unclear on - is it that different with a second or third car? Are they any cheaper to insure (save for the token 10-15% multiple vehicle discount typically offered for add'l bikes)?
 
GreyGhost said:
The last time I tried to get fire/theft only on a bike I was told that wasn't offered anymore. Too many people cheating the system so I could only get bike policies with liability (fire/theft were optional with the liability policy). For a car, getting fire/theft only is easy.
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I had fire and theft only on a bike in 2010. But that was likely only because I had full coverage for a couple years already first and just removed liability
 
There is also another way to do it i think... if you find a friend who lives in other provinces where rates are cheaper, use their address and get insurance there. Since technically the coverage applies to all of Canada, BY NO MEANS I am saying the coverage still applies when they find out you are living in ON. But at least there wont be problem when you encounter police since the insurance is on the vehicle like others have pointed out here.
 
elton_t said:
There is also another way to do it i think... if you find a friend who lives in other provinces where rates are cheaper, use their address and get insurance there. Since technically the coverage applies to all of Canada, BY NO MEANS I am saying the coverage still applies when they find out you are living in ON. But at least there wont be problem when you encounter police since the insurance is on the vehicle like others have pointed out here.
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So you're saying to solve one type of fraud is to commit another?

gotcha. Well done chap.
 
elton_t said:
There is also another way to do it i think... if you find a friend who lives in other provinces where rates are cheaper, use their address and get insurance there. Since technically the coverage applies to all of Canada, BY NO MEANS I am saying the coverage still applies when they find out you are living in ON. But at least there wont be problem when you encounter police since the insurance is on the vehicle like others have pointed out here.
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so you wanted to only pay for insurance on days you ride (http://www.gtamotorcycle.com/vbforum/showthread.php?148270-Daily-temporary-insurance), then you wanted to buy US insurance (http://www.gtamotorcycle.com/vbforu...6-can-you-buy-US-insurance-for-Canadian-bikes), now you want to pay the rate of another province. Fraud is fraud - either suck it up and pay to play, or take your chances and ride without insurance. I'm guessing the insurance folks have thought through the ways the system can be gamed.
 
meme said:
It's a ticket for no slip. Failure to produce (proof of insurance, or current). I got one a few yrs back and can recite my policy number. Slip was missing from my vehicle, no idea where it went.

No insurance - it's a tow and up to $5000 fine
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when i was 19, i got pulled over and had no lic, no ins. :/

The cop told me it was no set fine for the charges. scared me enough not to do that ever again.


He did let me off with a warning.
 
JFD said:
when i was 19, i got pulled over and had no lic, no ins. :/

The cop told me it was no set fine for the charges. scared me enough not to do that ever again.


He did let me off with a warning.
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that is life-changing, in a sense.
 
elton_t said:
There is also another way to do it i think... if you find a friend who lives in other provinces where rates are cheaper, use their address and get insurance there. Since technically the coverage applies to all of Canada, BY NO MEANS I am saying the coverage still applies when they find out you are living in ON. But at least there wont be problem when you encounter police since the insurance is on the vehicle like others have pointed out here.
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This guy must be trolling
 
Guys.... =.= did I say I was gonna do it??? Have I done it?? No!

Just a thought... is not a crime nor a fraud if I am just thinking of it, is it!

Sorry for thinking stupidly, please forgive me GTAM
 
PLau said:
*** You can't ride on public roads without liability ***

Some insurance companies insure fire and theft ONLY on the bike/car if you have multiple vehicles with them (those of which have liability coverage of course)
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That would explain why I was told I couldn't get only fire and theft.

Which insurance company offers this?
 
elton_t said:
There is also another way to do it i think... if you find a friend who lives in other provinces where rates are cheaper, use their address and get insurance there. Since technically the coverage applies to all of Canada, BY NO MEANS I am saying the coverage still applies when they find out you are living in ON. But at least there wont be problem when you encounter police since the insurance is on the vehicle like others have pointed out here.
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Except again, you would have to transfer the vehicle ownership to your friend. That would have to be a VERY good friend, since any trouble you have would come back on them.
Also, if you ever needed to use the insurance, your friend would have to explain why he had loaned you his car for use in a different province for an extended period of time.
You'd also have to explain to any police officer who sees your licence, the registration and insurance at a traffic stop why you are in a car registered to someone else in a different province, since the first thing he or she is going to think is that the vehicle is either stolen, or that you are committing insurance fraud.
 
Plus let's not forget folks a patrol officer today CAN, (If they so choose to do so), check on your insurance status on the roadside. They don't yet have access to the insurers databases on their in car terminals, but expect it will at some point happen. But they have numbers to call insureres to see if your covered.

Think of it like this.

Officer "can i see your insurance slip?"
you "sorry officer I forgot it at home"
Officer "Okay who are you insured with?"
You "State Farm"
Officer "please wait here"

Goes to cruiser radios on your particulars and asks for insurance verification, Get radio message back State Farm has no record of that person or vehicle as insured with them.

Officer "Please step off the bike"
You "is there a problem?"
Officer "State farm has no record of this vehicle being insured with them, So I am going to tow the bike and your walking with a ticket for no insurance"
You "oh"

LOL
 
here before the "that's only if you stop, man" argument.
 
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