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Canada: Regional discussion for members that live in Canada. | |||||||
04-04-2007, 7:19 PM
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| Join Date: 04-04-2007 Location: Serving military in Panam City Fl, from Alberta ..
Bike(s): 06 Hayabusa (Black/Charcoal),my wife 07 Ninja 650R Posts: 2
Rep:  (10) Rep Power: 0
| Need help - Insurance - Don't want to sell my baby! Greetings all - This is my first post - and ... against all etiquette, I'm going to ask for help ... sorry upfront. Here's the deal - I'm a serving Canadian Forces member - we have been in Florida for six years (to include 9/11, Winter Olympics, Katrina / Rita) so NO even I don't have a tan lol. We are coming back to the Ottawa area in Jun/Jul (ish). My wife and I own an 06 Busa and a brand new 650R Ninja (wife) ... We are trying to find insurance ... and, so far no one will even touch us - especially the Busa!!!  ... We have quotes of 2 grand plus (TOTALLY clean record e.g. save it for the track) So - who insures you guys/gals? Sorry for the long initial post but we love our bikes - and especially the Busa ... Thanks upfront ... I looked over your site and its exceptional - but - we are panicking here frankly ... we don't want to / can't afford to sell our bikes!! Who is insures sport bikes at a reasonable rate?? ....  I will check back but ... home email is kelshekovach@knology.net ... THANKS!!! | |
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04-04-2007, 7:27 PM
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| Meatarian   Join Date: 05-06-2004 Location: Randolph, MA
Bike(s): 01 R/B 929 Age: 28 Posts: 12,236
Rep:  (909) Rep Power: 26
 | Re: Need help - Insurance - Don't want to sell my baby! Canada has a military? you guys all ride on mooseback?  are you looking for insurance in Canada? I'm assuming you've tried the big names like Geico, Statefarm, etc.
__________________ "let's face it when you went into that voting booth you had a choice between 2 bowls of sh!t. the only difference was the smell" |
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04-04-2007, 7:32 PM
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| 2-Up SISSY   Join Date: 02-10-2007 Location: Idaho/Iowa
Bike(s): 2002 CBR 600F4i / 2003 XR650R 'Tard Age: 29 Posts: 2,561
Rep: (196) Rep Power: 5
| Re: Need help - Insurance - Don't want to sell my baby! There is a fairly current thread on this topic if you do a search. It comes off a lot cheaper if you go with a company that does everything all in one package, home, cars, bikes, life, etc. I say that but that isn't how I do it but anyway that is how people have got the best deals. I just go with liability and comprehensive and figure that with the $1200 a year that I save by not having collision that I can buy a new bike every four or five years.
__________________ If it has wheels, I've crashed it, and some things that don't razor scooter, skate board, roller skates, roller blades, skis, snowmobile, card board box on stairs, giant inner tube, nissan sentra, dirtbike, lawn tractor (wheelied it over), grandmas bread tray on stairs, kayak, canoe, rubber raft, bicycle, wake board, kneeboard, waterskis, tobaggan (plowed a pine tree), horses, ATV's |
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04-04-2007, 7:50 PM
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| Join Date: 02-23-2004 Location: London, Canada
Bike(s): 2005 CBR1000RR Repsol Posts: 96
Rep: (11) Rep Power: 5
| Re: Need help - Insurance - Don't want to sell my baby! just sent you an email, now matter how you look at it we get screwed in this country for the honour of being able to drive for 6 months a year |
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04-04-2007, 9:16 PM
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| Join Date: 01-23-2007 Location: Indiana
Bike(s): 2002 CBR600F4i Age: 27 Posts: 3,876
Rep: (98) Rep Power: 0
| Re: Need help - Insurance - Don't want to sell my baby! Geico knocks 3 months of the year off the tab since they know up here in IN I can't ride all year long. I just have liability with Geico and it doesn't help that I have my truck through them also (no double vehicle discount due to them not considering a bike a vehicle). |
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04-04-2007, 9:39 PM
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| Join Date: 10-24-2006 Location: Southwestern Ontario Canada
Bike(s): 2000 CBR929RR Yellow and Blue Posts: 45
Rep: (11) Rep Power: 0
| Re: Need help - Insurance - Don't want to sell my baby! I have state farm and it's reasonable for my bike but i have my car and home there too. Try it out. |
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04-06-2007, 4:09 PM
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| Join Date: 04-04-2007 Location: Serving military in Panam City Fl, from Alberta ..
Bike(s): 06 Hayabusa (Black/Charcoal),my wife 07 Ninja 650R Posts: 2
Rep: (10) Rep Power: 0
| Re: Need help - Insurance - Don't want to sell my baby! Thanks for the posts ... What an awesome site!!! Deadeye |
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04-07-2007, 4:17 PM
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| Join Date: 03-25-2007 Location: Calgary, Alberta
Bike(s): '74 Moto Guzzi Eldorado, '05 600RR Posts: 2
Rep: (10) Rep Power: 0
| Re: Need help - Insurance - Don't want to sell my baby! Hey, I know in Alberta it's illegal for an insurance company to deny you coverage, but that doesn't mean they can't make your premium unreasonably high. My policy is with the cooperators, and I'm happy with their service. I believe their head office is in Guelph so I'm sure you could find an agent in Ottawa. If you want to lower your premiums you could take a recreational motorcycle course. They can be expensive, like $300 ish, but if it lowers your premiums you'll get your money back pretty quick. I took one, and with only one year of riding, no accidents or tickets, I pay $850 CAD a year for full coverage including at cost theft replacement. But I also have friends with the same record that pay $1400+ CAD because their bike is financed. The Canadian Military Kicks Ass. Good Luck! |
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