old bikes can they be insured?

RetroGrouch said:
Those classic policies are very strict. No commuting or pleasure riding. Strictly for riding to shows and in parades. I do not recommend it.
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One I called awhile ago said pleasure riding and commuting are ok, but the kms limit still holds. He did stress that it is not permitted on a racetrack.
 
silverbullet132 said:
One I called awhile ago said pleasure riding and commuting are ok, but the kms limit still holds. He did stress that it is not permitted on a racetrack.
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I'd be very surprised if that is the insurance company's policy. Classic/Antique insurance is really just for show bikes, not for general use. The annual mileage limit is just one of many restrictions.
 
Dalton Timmis/intact Insurance are the only ones I found that would insure my 69 CB350. Way to old to even be considered by any of the "big" ones.
 
My 1975 Honda 750 is insured by Aviva. About $425/year.
 
You lie sir, I just called Riders Plus and they offer no such program.

ANDRASTA said:
Hey buddy, I got a 78 Goldwing and 1990 GSXR 1100, both with intact. Looking to switch in September.

If you have your full M licence and ride it " less than 2000km per year" hint hint, you can get classic motorcycle insurance through riders plus through their vintage bike program. I got quoted about 600 bucks through that program.

I have to say , my Goldwing is not as fast as the modded Gixxer but damn its so much fun!! I have no idea why!! Handles pretty good for a boat haha but seriously im scraping pegs all the time.
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Bumbobee said:
You lie sir, I just called Riders Plus and they offer no such program.
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Yes your right, I went into exquisite detail fabricating, numbers, names and everything else.


The Vintage rider program was advertised on the home page of their website. Its not there anymore, but some people can attest to that specific program I was outlining. See post #17, 21 and 22
 
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RetroGrouch said:
Those classic policies are very strict. No commuting or pleasure riding. Strictly for riding to shows and in parades. I do not recommend it.
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Not always: "Motorcycles are made for the freedom of the road. Our policy allows flexible usage — with no fixed mileage limits. Whether it's a ride on a summer day, attending a club event or going to a show, you're covered." From Hagerty's website.

http://www.hagerty.com/Insurance/Motorcycle-Insurance

Whether a bike will qualify or not is a different story but worth a try. Needs to be older than 1985.
I signed up with them for a '65 car - $114/year at estimated value of $8,000.

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Could be just in the States though to be honest, upon further inspection, I don't see much mentioned about motorcycles in Canada. I'll give them a call soon.

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No motorcycles ... Just double checked the Canadian website. We really get screwed here.

Anyhow, still worth it if someone's got a vintage car.
 
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State Farm insured my '85 FJ600 without batting an eye. The bike wasn't in their database, so the guy manually keyed in the displacement and that was it. He bragged about the fact that they will insure any bike. Not sure if the takeover by Desjardins will change that.
 
For everyone who has 30+ year-old bikes insured, what are your particulars?

I was calling around to get quotes on older bikes before settling on buying a 2007 Ninja EX500r as my first ride. Almost all of the insurance companies I got quotes from, before making a purchase decision, (Intact, Dalton & Timmins, Aviva, Statefarm) gave me quotes that were substantially more expensive for a pre-1984 bike in the same engine class as the EX500r. One company quoted my $1200 for just liability on the ex500r and $4000 for ANY pre-1984 bike, but if I found an 1984 model of the same bike it was only $1500.... I don't get it? No one was able to give me a concrete answer on why older bikes were so damn expensive for me!!

I'm a new rider and was quoted on the following:
29 years old
live in Hamilton
M1 this year but quoted on riders training and having an M2 (booked for April)
no accidents or claims for a car
currently only have my G1 (license lapsed when out of the country for a few years)
 
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