Knew a guy that did this several times a year every year. Seems like a waste of time.
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M1 Insurance 2024
- Thread starter Adrian719
- Start date
This was exactly what I was driving at.
Most insurance companies have the ability to quote through facility as I understand it, they might just not initially offer it unless pushed as it often results in embarrassingly high prices that people then go scream about online.
Ultimately you may have to call a broker and specifically tell them to quote through facility if you get the same song and dance about "we can't insure you", however ultimately, again - *by law*, any licences driver with any record on any vehicle CAN always get insurance on any vehicle in the province.
I suppose if you were completely paranoid about taking the M1 exit exam or something it would be an avenue to avoid the situation.
But it's practically becoming a requirement to take the course to get insurance that doesn't cost as much as the bike you bought.
They should really just ammend the legislation to make the course mandatory for m2 if it's having that big an impact on the insurance companies bottom end.
Caveat usually being unless said model is blacklisted by the company entirely. But I digress, your point is valid. Anyone can get insured on any bike in Ontario.
I'm not sure that prevents a company from still ultimately quoting facility if a customer insists. IE, in a scenario where a bike was potentially black listed *everywhere*, then the law is being broken as said rider couldn't obtain insurance.
Could be wrong. We need an insurance person to answer this.
if I was a 16-year-old with a Hayabusa, but had a DUI, five speeding tickets, a cancellation, and a few other moving violations as the cherry on top, no insurance company would necessarily want to touch me with 100 foot pole, but then where do things lie with regards to the law demanding that despite all of that, I am still legally entitled to insurance?
I thought that was covered by facility. Take the $2000 a month for 16 yo on a busa, surchage 100% for DUI, surcharge 100% for speeding, surcharge 100% for cancellation (although that would be hard for a 16 yo to have already), surcharge 100% for miscellaneous tickets (although I don't think a 16 yo could have that many tickets and still have a license) and we are at $10,000 a month facility quote. It's legally available, just entirely unaffordable.
But it's regular insurance companies that end up underwriting policies through the facility association, they are not an insurance company themselves.
Half the new drivers on the roads today don't follow the existing rules put in place for graduated licencing for cars (kids on the 401 when they're not supposed to be, driving with booze onboard, etc) and we know how many new riders don't play by the rules either, so I suspect a lot would just disregard this and do whatever the hell they want. Nobody's going to enforce it...
Jay Alexander
Well-known member
Correction: TD does insure M1, but you need to have completed rider training.
Thanks for the info, I'll update the op.
I ran a couple of online quotes to test, and The Co-operators also insures with M1, provided that you've completed Rider Training 
Co-operators Online Motorcycle Insurance Quotes
Co-operators Online Motorcycle Insurance Quotes
Not sure you have an unbiased opinion here............
Completely unbiased, we aren't hurting for business but the entire process in it's current form is just dumb.
I've experienced this same scenario, but with myself as the blacklisted and the insured lol. I called the company that I'm with currently and was originally told my bike was blacklisted by broker #1. Then called a week later and was given the best quote I've ever got by broker #2 lol. Apparently in some cases it can just be black listed based on level of experience, age, location etc. As broker #2 told me that the reason the bike was blacklisted for me originally is because broker #1 had only used my full m date and not my m1 and m2 dates which made my years licensed lower in their system...for you. There is no rhyme or reason in motorcycle insurance.
Call as many brokers and companies as you can. I am with Echelon on my Supersport 950S, another member was told that it is a black listed model with Echelon.
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Jay Alexander
Well-known member
Some brokers/agents are just poor at their job or inexperienced. I've run the gauntlet in my own personal experience as a customer, as well as working in the industry. If someone does not sound confident in what they're saying, I don't trust it. If they sound confident, then I question it. It never hurts to call back and talk to someone else. Little tip: ask a basic question about a an OPCF endorsement - a common one (20, 27, 28, 70). If they can't answer you, and need to look it up, hang up and call back.I've experienced this same scenario, but with myself as the blacklisted and the insured lol. I called the company that I'm with currently and was originally told my bike was blacklisted by broker #1. Then called a week later and was given the best quote I've ever got by broker #2 lol. Apparently in some cases it can just be black listed based on level of experience, age, location etc. As broker #2 told me that the reason the bike was blacklisted for me originally is because broker #1 had only used my full m date and not my m1 and m2 dates which made my years licensed lower in their system
The industry is full of underpaid/high-turnover employees.
relict
Member
Hi everyone,
Could you please recommend the broker, who can provide the insurance to M1 without Training Course Certificate?
I've already called to insurance companies from the 1st message of this thread. All of them didn't admit my 12-years experience in home country and ask the Certificate. Any ideas appreciated.
Could you please recommend the broker, who can provide the insurance to M1 without Training Course Certificate?
I've already called to insurance companies from the 1st message of this thread. All of them didn't admit my 12-years experience in home country and ask the Certificate. Any ideas appreciated.
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