Ontario insurance options?

[Charlie-brm]

I just got my statement for my Dalton Timmis policy and it's $933 now. C'mon.....!!! I pay far less for my beater car with the same company.
Only liability and personal injury, ie. the minimum I need to be on the road.

Since the FJ is such an old motorcycle, a lot of insurers don't go back that far, or they don't want motorcycles unless it's thrown in with your house and other vehicles - neither of which I have to offer, except for said beater car. That's why I went with Dalton Timmis in the first place and I've been behaving myself and not making waves as long as they'll still insure it. But... $933.

Any suggestions from Ontarians for alternative insurers that are open to a 1984 FJ on its own, no bundles?

[Firehawk068]

Wow!
Do they (Government)  hate motorcycles up there?
Mine is almost exactly 1/10th of that cost per yr here in Colorado.

[Zwartie]

The problem in Ontario is due to "No Fault" Insurance which should really be called "Your Fault" Insurance. If you get into an accident and it isn't your fault, your insurance company still pays for the repairs to your vehicle as well as your medical / rehab expenses. The intent (apparently) was to prevent insurance companies from going after each other to cover accident expenses. Since the severity of injury tends to be much greater on a motorcycle than a car, the rate is that much higher, regardless of the value of your motorcycle. Motorcycle insurance rates in Ontario won't ever go down significantly unless they get rid of No Fault insurance. As I recall, we can thank Bob Rae and his NDP government for that one!

Zwartie.

[56 CHEVY]

Zwartie answered my Question while I was typing.

[Hemi Bob]

Hi Charley,
That sucks! I pay $735. for my FJ  from Allstate, but that with two trucks
and a corolla and the house. They should give my the bike for free. I cant complain
to much they already told me they don't insure sport bikes over 1000cc.And yours and mine
are not considered a Turing bike. Or that's the crap they tell me. My renewal is Sept 1
I'm not looking forward to opening that one.

Bob

[gumby302ho]

I just got my statement for my Dalton Timmis policy and it's $933 now. C'mon.....!!! I pay far less for my beater car with the same company.
Only liability and personal injury, ie. the minimum I need to be on the road.

Since the FJ is such an old motorcycle, a lot of insurers don't go back that far, or they don't want motorcycles unless it's thrown in with your house and other vehicles - neither of which I have to offer, except for said beater car. That's why I went with Dalton Timmis in the first place and I've been behaving myself and not making waves as long as they'll still insure it. But... $933.

Any suggestions from Ontarians for alternative insurers that are open to a 1984 FJ on its own, no bundles?

My only suggestion is grin and bare it, I pay $960, talk about taking it in the ass, I think fellow riders out west pay less than half of what we pay and our big neighbour below us pay even less, Ontario is the whipping boy for these farging ins companys. White collar morons. Yes I am bitter having to pay out that much cash for only 5 months or less of riding.     

[Andells1200]

Gday Charlie

Living in a part of Australia that only gets snow on the TV, and can ride all year round. Would it be possible to pay your insurance for the full year, then when you mothball your bike for the snow (whats that ) season cancel the policy and get around half back in a refund ?

[Capn Ron]

I cringe whenever I read threads about Canadian or Australian bike insurance.   

Doing a little digging for Ontario, I see that:  "Minimum coverage for Third-Party Liability is $200,000, but most drivers choose $1 million."

Minimum here in California is "15/30/5"  That means $15,000 per individual injured in an accident, $30,000 for all parties injured and $5,000 property damage.  For that coverage here it's $80/year.  I don't know what the cost would be in California for a policy at $200,000.

[A11an0n]

Hey Charlie,

Check with Allstate and insist they insure it as a 'sport touring' ,  I was able to get the 'sport touring' rate but I also had to insure my truck and house with them...

[Hersey289]

I changed to Aviva this year after being with Primmum/TD for many years. Aviva is $739 a year for my '85. 1 million liabilty plus normal stuff but no collision. Its $149 less than TD quoted me this year and my driving record is clean. Unfortunately Aviva was the best rate I could find in my area for standalone bike insurance. Good luck.
Rob

[Hersey289]

Hi Charley,
That sucks! I pay $735. for my FJ  from Allstate, but that with two trucks
and a corolla and the house. They should give my the bike for free. I cant complain
to much they already told me they don't insure sport bikes over 1000cc.And yours and mine
are not considered a Turing bike. Or that's the crap they tell me. My renewal is Sept 1
I'm not looking forward to opening that one.

Bob

Mighty fine looking '85 Bob!
Rob

[fj johnnie]

 I pay 600 for the 90 FJ and 600 for the GTS. MY91 FZR 1000 is now considered a sport touring bike and was  730.All with Aviva. I have had a bike license for 33 years. And yes we have much greater coverage here than most people realize. We don't have a choice, but as a friend of mine always says, " Johnnie if you wanna play you gotta pay".

[paulfj03]

Im with an allstate agent in Kgn and because we have our other ins with them we pay 450ish per bike for the year. AND, yes they forgive the first ticket in a 7(?) year period.   They saved us a bundle with our house ins too. We did shop around ALOT to get those rates....
After a renewal with them our rates pretty much stayed the same.
So far so good.

[Tiger]

Bike insurance aaaaaaaaaaaaaaaaaaaaaaah I had to fight tooth and nail with the guy that has been my insurance agent for 15/16 years, when I received my renewal this spring. He wanted an extra couple hundred dollars, which would put my insurance, for the '85 FJ, to $1,024.00 a year   ...and for the privilege of having basic insurance At 61 and a clean licence, I told him to go f**k himself and come back sensible

In the end we did house, Cathy's CRV, my Trailblazer and the '92 with one company...Intact. It brought my house, cages and bike insurance down...but my FJ insurance is still in the high $8's

I did, at one point, consider selling the FJ and getting a smaller CC bike...sure your insurance goes down but not enough to make me sell my '85 FJ...so I went up 100cc's. Stupid really when you think about it...

Many insurance companies here in Ontario won't insure older bikes, mid 85 and older, for some unknown reason...ask why and they can't give you a good/decent reason

Buy insurance, ride for 5 or 6 months and close off your insurance until next year...you may just have a harder time getting insured for the next season...B'stards

As long as the government mandate insurance here in Canada, then be prepared to bend over for the privilege of, in this case, riding a bike in our great country

Rant over...

John.
p s Charlie, shop around my friend...

[jo-sommer]

Incredible; these rates are absolutely insane!

And I thought our companies over here in Germany are expensive... I pay something about $ 120,- (CDN) per year (EUR85,-) for my '92 FJ1200.

Greetz Jo