Topic: What Motorcycle Have You Been Obsessing About Today?

[dirtyjeffer]

Kind of sucks as I'll probably only get a few rides in before the snow flies in October.   And I'll have to pay for a year of insurance for nothing.

Either that or just wait till spring,  save the registration and insurance cost over the winter.

But would like to ride a few times this year at least.

that's now how motorcycle insurance works...motorcycle insurance is pro-rated during the riding season...about 90% of your annual premiums are payable during the riding months (something like 200 days spring/summer/fall).

[wing]

All quotes I got were 12 easy equal payments.

Coworkers all say they pay a yearly fee over 12 months.   That seems to be the norm.

Cannot cancel it for the winter must pay full year.

[Sir Osis of Liver]

All quotes I got were 12 easy equal payments.

Coworkers all say they pay a yearly fee over 12 months.   That seems to be the norm.

Cannot cancel it for the winter must pay full year.

That's how it was in NB.

Government insurance here, and you can buy 6 months at a time. (or was it month to month?)

[mlin32]

Wow, motorcycle insurance is so difficult.......and expensive in Canada.

[dkaz]

I can do as little as 3 months in BC, which I'm considering for my Vino 125 when it's up for renewal Sept 8. There is a short term surcharge of like $19 that's all. I only got 600km of riding Dec 15 to Feb 28 last winter so maybe I'll save my $140 this year and actually winterize my bike.

But yea it is expensive here. I hear people from the States brag how they pay $100 a year for a 150cc scooter. Jealous. My Vino 125 is $690 a year liability and comprehensive coverage only. I could get the comprehensive and collision portion cheaper through a private insurer except I use my scooter for business purposes and they don't cover that. Cost of doing business I guess.

[dirtyjeffer]

All quotes I got were 12 easy equal payments.

Coworkers all say they pay a yearly fee over 12 months.   That seems to be the norm.

Cannot cancel it for the winter must pay full year.

most do the 12 payments as it is easier for most people to pay in installments or simply bundle with other insurance products they already pay monthly for.

what used to happen in the old days is (example), insurance was $600/year...customer would call up in May to add it, cancel it in October and effectively only pay $300...now what happens is, if you added the $600 insurance in May, and sold the bike in October (and cancelled the insurance), your refund would only be about $50...the rate they use is based on the average amount of riding days we have (which from what i recall, the number was something like 200), but the payments are based on the full year (you still have fire/theft/comp/etc while in storage, if you have that coverage).

[dirtyjeffer]

I can do as little as 3 months in BC, which I'm considering for my Vino 125 when it's up for renewal Sept 8. There is a short term surcharge of like $19 that's all. I only got 600km of riding Dec 15 to Feb 28 last winter so maybe I'll save my $140 this year and actually winterize my bike.

But yea it is expensive here. I hear people from the States brag how they pay $100 a year for a 150cc scooter. Jealous. My Vino 125 is $690 a year liability and comprehensive coverage only. I could get the comprehensive and collision portion cheaper through a private insurer except I use my scooter for business purposes and they don't cover that. Cost of doing business I guess.

i went to Newmarket a few weeks ago to buy a bike...a 1976 Honda CB400...unfortunately, the bike didn't fit me very well so i didn't end up getting it (which is too bad, it was a beautiful bike, yellow in colour, with only 1800 miles on it and was fully restored)...basic insurance was $148/year...fully loaded insurance was $277/year.

[wing]

Lol was quoted 1600

[dkaz]

i went to Newmarket a few weeks ago to buy a bike...a 1976 Honda CB400...unfortunately, the bike didn't fit me very well so i didn't end up getting it (which is too bad, it was a beautiful bike, yellow in colour, with only 1800 miles on it and was fully restored)...basic insurance was $148/year...fully loaded insurance was $277/year.

 

Lol was quoted 1600

 

[PJungnitsch]

In Alberta there was huge variation in pricing between companies and between bikes. Jevco was by far the cheapest for the Vstrom, but for the TW200 Co-operators is much better, something like $99/yr for basic PL/PD.

Something to do with how different cc classes were treated.

[Sir Osis of Liver]

Insurance has jumped up a lot through SGI since 2012 when I sold my FZ-6. Anything over 400cc gets hammered, regardless of class.

I compared the rate for a DRZ400S and DR650SE. The DR400 was somewhere around $650/year, while the DR650 was closer to $1600/year. And that's for an old fart with a clean record.
It doesn't make sense either because the DR400 has much higher performance than the fat old 650.

[dirtyjeffer]

Insurance has jumped up a lot through SGI since 2012 when I sold my FZ-6. Anything over 400cc gets hammered, regardless of class.

I compared the rate for a DRZ400S and DR650SE. The DR400 was somewhere around $650/year, while the DR650 was closer to $1600/year. And that's for an old fart with a clean record.
It doesn't make sense either because the DR400 has much higher performance than the fat old 650.

it really depends on the company too (some companies really don't want to offer motorcycle insurance, so set their rates accordingly)...i was also quoted around $860/year for fully loaded insurance on a brand new Harley Davidson 1200 Roadster (curiosity, more than anything else)...while that rate may seem like a decent price to some in here, many of our American counterparts would pay under $200 for the same bike AND get to ride it year round.

[mlin32]

 

300 $US a year for my R3 (320cc)......my first bike. Comprehensive + collision. Insurance rates are state-regulated in NC though, gives us some of the lowest rates in the US.

Bike was the last thing I got. It went course -> license -> riding gear came in -->insurance (the day before I planned to buy, so I could ride home) --> bike. All within a week timeframe.

[Sir Osis of Liver]

Insurance has jumped up a lot through SGI since 2012 when I sold my FZ-6. Anything over 400cc gets hammered, regardless of class.

I compared the rate for a DRZ400S and DR650SE. The DR400 was somewhere around $650/year, while the DR650 was closer to $1600/year. And that's for an old fart with a clean record.
It doesn't make sense either because the DR400 has much higher performance than the fat old 650.

it really depends on the company too (some companies really don't want to offer motorcycle insurance, so set their rates accordingly)...i was also quoted around $860/year for fully loaded insurance on a brand new Harley Davidson 1200 Roadster (curiosity, more than anything else)...while that rate may seem like a decent price to some in here, many of our American counterparts would pay under $200 for the same bike AND get to ride it year round.

Harley Sportster 1200 is $2058/year for a basic plate/insurance through SGI. That includes my $500/year discount.

[wing]

Got these today...  Still dreaming.

[rrocket]

LOL@Alpinestar fan boi   

[wing]

Fits me perfect.

I actually tried on a ton of stuff.  Everytime I put the AP stuff on it's like a glove haha

Got a good deal on these too.

[safristi]

Like a glove you say..............

[dirtyjeffer]

Harley Sportster 1200 is $2058/year for a basic plate/insurance through SGI. That includes my $500/year discount.

ouch...sadly, that makes riding not really worth it...if the time ever comes though, it really pays to shop around...you might find a better deal elsewhere.

[Sir Osis of Liver]

Harley Sportster 1200 is $2058/year for a basic plate/insurance through SGI. That includes my $500/year discount.

ouch...sadly, that makes riding not really worth it...if the time ever comes though, it really pays to shop around...you might find a better deal elsewhere.

SGI is the only option in Saskatchewan.