TK4
Well-known member
You are restricted to riding on private property - not the same thing.If you are "off road" plated you are f***ked.
You are restricted to riding on private property - not the same thing.If you are "off road" plated you are f***ked.
Only your private property. Any one else's private property and you still need the unobtainable insurance.You are restricted to riding on private property - not the same thing.
You are restricted to property you own.You are restricted to riding on private property - not the same thing.
The way I see it from personal experience as a Toronto dweller and first time insurer with an M2, Green plating a bike under 150cc is very difficult unless grandfathered, paired under an existing bike or other recreational vehicle, or changing over to a new insurance provider fully.Thanks for all the response.
I will apologize for not making it more clear I was only interested in street legal motorcycles.
It is clear that if you blue plate the bike over 50cc for street use, insurance is no issue.
If you are "off road" plated you are f***ked.
Price is a matter of shopping around.
I blue plated my Honda Spree 50, additional insurance is $161/year.The way I see it from personal experience as a Toronto dweller and first time insurer with an M2, Green plating a bike under 150cc is very difficult unless grandfathered, paired under an existing bike or other recreational vehicle, or changing over to a new insurance provider fully.
As far as I can tell the same can be said for Blue plating bikes under 150cc, though shopping around may reveal some insurance providers that insure at a high premium but a cheap alternative is very hard to find if not impossible.![]()
Which insurance provider?I have a ysr 50cc insured. It's around $200/year.
would also like to know your insurance providerI blue plated my Honda Spree 50, additional insurance is $161/year.
Wawanesa, but it's bundled with my home/cars/other moto insurance.would also like to know your insurance provider
The ysr 50 is with TD.Which insurance provider?
Are you bundled with your home and auto as well or is it a lone insurance? And yes maybe it's just my age being a 26yr old male.The ysr 50 is with TD.
Insurance is just numbers. If they are happy to write policies for the same riders on 230 cc bikes, I can't see 140's being higher risk. Charge me the 230 price and let them ride.
Now, it's only an $80 difference we're talking about, with the same company, but considering I'm only spending $180/yr on insurance on the 250cc, that's a 44% difference! Kinda crazy! lol
I was referring more to the unobtainable insurance for small green plate bikes. Giving kids 230's because they can't get insurance on 140s at any price seems ridiculous.Firstly, just want to say, plenty of companies insuring plenty of small displacement bikes. I've had numerous 50, 150, and 250cc scooters insured and on the road over the years.
Second, to GG, you'd be surprised!
I had a Vespa 50cc, registered as 50cc (it later got a 150cc motor swap), and believe it or not, it cost MORE to insure that than it did to insure a Vespa 250cc.
Both bikes were around 2006-2010 model years, and this was around 2022, so they were both 10+ years old at this point.
Apparently the 50cc owners tend to have **** happen a lot more often, the 250cc don't seem to get into as much trouble. Might have something to do with the fact that the 250s tend to cost substantially more so you end up with a different kind of owner, and also the 250s come with immobilizers so maybe successful thefts are more rare.
Now, it's only an $80 difference we're talking about, with the same company, but considering I'm only spending $180/yr on insurance on the 250cc, that's a 44% difference! Kinda crazy! lol
I was referring more to the unobtainable insurance for small green plate bikes. Giving kids 230's because they can't get insurance on 140s at any price seems ridiculous.
I have 2 bikes insured with TD. No bundles or multi bike discountsAre you bundled with your home and auto as well or is it a lone insurance? And yes maybe it's just my age being a 26yr old male.
Do you happen to live in a city or more rural area? also is all your insurance bundled with one company, Home auto and motorcycles?Totally understand. It's most likely because the insurance cos don't seem to have a ******* clue when it comes to motorcycles in Ontario... just saying that there's always that chance that there's a history of the smaller bikes getting into more trouble.
Hell, I can insure my Bonneville (865cc) for less than it costs me to insure a Grom... Never underestimate how badly kids ruin everything lol