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Lost for words

RicoAJP

RicoAJP

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Hi guys, i'm a returning Canadian, been overseas 10 years due to my dads employment. I'm 23 this month, I have been riding for 4 years and have a clean record. I am also a former cop and have a police licence -defensive, pursuit, escort. So now that I have returned, I got my full G and M licence converted. I have purchased a bike, an '09 Triumph Scrambler. I'm getting quoted rates of $9300, $8600, $7300. The best i've seen is $6300. The reason its so high according to them is, my experience isn't recognised here. Instead, they say that as I received my Ontario licence this year, they will take me as a new rider/driver. Every single quote is more than I paid for the bike. What in the ****ing world? A driving ministry can recognise my experience but not an insurance company? What the hell am I supposed to do? If anyone can help me with this issue I would greatly appreciate it. I have tried calling the brokers in the sticky on the front page.
 
You have to be over 25 to get a "good" rate, then you have to be over 30 to get a "better" rate.
 
possibly bundle insurance offerings?
car+ bike+house?
 
In their defense you don't have any experience here.

Sucks but true. Not a lot you can do, maybe buy a smaller less expensive cc bike until you do get some Ontario mileage?

This province won't even let you rent a car until you are 25 usually.
 
sixstring said:
Your JUST turning 23 and you've got all that fancy police training? How young do cops start these days?
Click to expand...

The dumb**** power tripping ones like you probably saw in that video likely go straight from highschool...
 
Julz said:
You have to be over 25 to get raped less, then you have to be over 30 to get raped less and with Vaseline.
Click to expand...

Corrected :cool:
 
Julz said:
You have to be over 25 to get a "good" rate, then you have to be over 30 to get a "better" rate.
Click to expand...

Bullcrap, I was 34 in 2005 when I tried to insure my 250cc dual-sport bike with State Farm, they wanted $1,600/yr....


OP: What these scoundrels want in this stupid and pathetic province is to ban and discourage young bike riders, don't get surprised if they ban sports bike. For some reason these insurance scoundrels think that their business should be 100% fail-proof, screw you, it's a commodity gamble you might make money or you might not. But our governments are the ones protecting these scoundrels because they line their pockets, both officially and under the table, only an idiot would not believe that CEO's of these companies bribe our politicians under the table to keep things the way they are.

In my home country there is now automobile insurance for the first time in history, but it's NOT cumpulsory, it's voluntary... guess how much is the average policy? $90 a year.... yes a year and they insure the same cars that are insure here in Canada, so why are we paying 25x times over? The key word here is "compulsory".
 
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meme said:
In their defense you don't have any experience here.
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There is no defense for this. No "experience"? How does $6300 become the right number? An industry audit would expose huge foul play.
 
Thanks for the replies, unfortunately I still have not found a solution to this problem.. If anyone knows someone I could get in touch with to remedy this issue, it will be much appreciated. The best quote I have gotten to date is $4800 if I register my residence in Sault Ste Marie where I will be moving to in September. I am considering registering the bike in my dads name and registering me as an occasional rider.. However the possibility of this happening is close to naught, as my parents are not supportive of me riding a bike.

With regards to some of the other replies, yes I entered the police when I was 20. It was mandatory service, I did not choose to become a policeman, but I am glad I did. The things I experienced and have seen -both good and bad, will stay with me for a long time. LoneRonin, if you are calling me a dumb**** and an idiot, I pity you for your ignorance. I have personally not experienced or seen any police brutality in my years of service -mind you, I did not serve in North America. I did however, have to deal with negative people in negative situations and see negative things every single day of my service. If you can deal with that as a career, and feel that you can do it better than 'dumb****s out of highschool' please go ahead and see the nearest recruiter. If not, don't judge an entire group of people based on the wrongdoings of a few. In other words, get your head out of your ***.
 
There is no solution. You get raped, or you don't ride. It's a terrible system, and I can't believe I but into it, but such is life. Or get a 400cc and call John Duffy. At least there my rates are under $3000
 
RicoAJP said:
Thanks for the replies, unfortunately I still have not found a solution to this problem.. If anyone knows someone I could get in touch with to remedy this issue, it will be much appreciated. The best quote I have gotten to date is $4800 if I register my residence in Sault Ste Marie where I will be moving to in September. I am considering registering the bike in my dads name and registering me as an occasional rider.. However the possibility of this happening is close to naught, as my parents are not supportive of me riding a bike.

With regards to some of the other replies, yes I entered the police when I was 20. It was mandatory service, I did not choose to become a policeman, but I am glad I did. The things I experienced and have seen -both good and bad, will stay with me for a long time. LoneRonin, if you are calling me a dumb**** and an idiot, I pity you for your ignorance. I have personally not experienced or seen any police brutality in my years of service -mind you, I did not serve in North America. I did however, have to deal with negative people in negative situations and see negative things every single day of my service. If you can deal with that as a career, and feel that you can do it better than 'dumb****s out of highschool' please go ahead and see the nearest recruiter. If not, don't judge an entire group of people based on the wrongdoings of a few. In other words, get your head out of your ***.
Click to expand...

^+1
 
Unfortunately the only solution would have been to call around before buying the bike.

Now you have three choices:
1) pay what you're quoted,
2) keep the bike and store it until you're 25, or
3) sell the bike.
 
jaymurr said:
Unfortunately the only solution would have been to call around before buying the bike.

Now you have three choices:
1) pay what you're quoted,
2) keep the bike and store it until you're 25, or
3) sell the bike.
Click to expand...

4) park that bike and buy a cheaper/smaller bike to ride in the meantime until you have at least 1 year of Canadian insurance experience ?

grab a ninja/cbr 250 for the summer. at least you'll be riding.
 
jaymurr said:
Unfortunately the only solution would have been to call around before buying the bike.

Now you have three choices:
1) pay what you're quoted,
2) keep the bike and store it until you're 25, or
3) sell the bike.
Click to expand...

Not even 25, just have a license for a year. After 1 year, my rates will be cut in half, to the point where are a 2nd year rider a 1000cc cruiser will be about the same as a 400cc my first year.
 
I guess things have changed a lot, my first bike was a 06-gsxr-600 I was 23..I believe I payed $1600/year (Single vehicle). This was with statefarm..

I now pay $960/year for full coverage..(Multi vehicle) still with the same people..over 25 now.

Try giving them a call:

Address: 11 Harwood Ave S #201, Ajax, ON L1S 2B9
Phone (905) 426-5959
Hours:
Friday hours 9:00 am–5:00 pm
 
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Alright, I have been considering trading the bike for a DRZ400 but I will call around first to see what kind of quotes I will be getting. Yes, it is my fault for not calling around before buying the bike. I thought the most I could have been quoted would be in the range of $3500, as I did not plan on buying a sport bike and I was below 25. I did not think an insurance company would not take my experience into account, as I had called the driving ministry beforehand to check if my experience was valid here and they told me yes (when I wanted to convert my licences). Guess I was wrong. I'm also considering setting the bike up for storage till next summer or till i'm 25. Its a damn shame, i've been saving up to purchase my dream bike since I was 16, now I have it and I can't ride it. Cruel world. I'll keep you updated on what I plan to do. Cheers for all the suggestions.
 
It's not just riding experience they look at. They also want individuals to be insured year after year with no breaks in between. For example let's say you were riding 2012, full insurance coverage and you decide to not ride in 2013 only. You cancel insurance, and when 2014 comes around, you decided to get insurance. You'll be surprised with an increase in rates.
 
RicoAJP said:
Thanks for the replies, unfortunately I still have not found a solution to this problem.. If anyone knows someone I could get in touch with to remedy this issue, it will be much appreciated. The best quote I have gotten to date is $4800 if I register my residence in Sault Ste Marie where I will be moving to in September. I am considering registering the bike in my dads name and registering me as an occasional rider.. However the possibility of this happening is close to naught, as my parents are not supportive of me riding a bike.

With regards to some of the other replies, yes I entered the police when I was 20. It was mandatory service, I did not choose to become a policeman, but I am glad I did. The things I experienced and have seen -both good and bad, will stay with me for a long time. LoneRonin, if you are calling me a dumb**** and an idiot, I pity you for your ignorance. I have personally not experienced or seen any police brutality in my years of service -mind you, I did not serve in North America. I did however, have to deal with negative people in negative situations and see negative things every single day of my service. If you can deal with that as a career, and feel that you can do it better than 'dumb****s out of highschool' please go ahead and see the nearest recruiter. If not, don't judge an entire group of people based on the wrongdoings of a few. In other words, get your head out of your ***.
Click to expand...

Sorry to hear about your rates, but all of the younger (<25) guys have felt the pinch of Ontario insurance - and it hurts.

Welcome back to Canada. Ignore the forum trolls.. there are a few.
 
Some insurance companies will accept an experience letter from the insurance company if you had insurance when living in another country that mentions how long you had continuous insurance coverage and claims free. A lot depends on the insurance company/broker and the country of origin.

Even then, you are just turning 23.


Best to look at something smaller in displacement. Good luck.
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