Dirt Bike Insurance. huh?

[zibzer]

I was reading on another website that claims all off-road motorcycles must be insured in Ontario. Whats this all about? never heard of it and my dirt bike isn't insured. Now im afraid to drive it come spring because i might get a ticket. and would this affect my auto and street bike insurance?

what a crazy province we live in. all the dumbest rules ever created are in this province.

[turbodish]

I was reading on another website that claims all off-road motorcycles must be insured in Ontario.

Only if you plan on operating it on property other than your own.

It's not a dumb rule. That law is intended to give financial protection to the people you may collide with when you're out away from your own property.

See http://www.oftr.ca/page.php?id=644

[zibzer]

What companies sell the insurance? and about how much would it cost?

[turbodish]

Don't know myself.

Try the brokers here. Or try who OFTR recommends. http://www.oftr.ca/page.php?id=916

[Z1K]

What companies sell the insurance? and about how much would it cost?

I pay roughly $70 per year through State Farm for a 225.

[Xhumeka]

I pay roughly $70 per year through State Farm for a 225.

$70/year, nice! Do you also have your auto with State Farm?

I priced it out, and it didn't make sense for me to move my auto/home insurance to State Farm. So without the "group" bonuses, I pay the following for just my toys insured for liability through State Farm:

1989 CR125R Dirtbike: $126.88/year
1984 Honda 250R ATC: $128.93/year
1986 Honda 350X ATC: $144.57/year

And like mentioned above, if you ride your dirtbike anywhere other than private property (where you have permission to ride) you NEED liability insurance - the fines and other consequences aren't worth the risk!

[turbodish]

And like mentioned above, if you ride your dirtbike anywhere other than private property (where you have permission to ride) you NEED liability insurance - the fines and other consequences aren't worth the risk!

Legally, you need insurance to ride on any property other than YOUR own property. This applies to public property, private property, everywhere but on YOUR OWN property.

[Recidivist]

Worth every penny!!!!

If you crash and get hurt its considered a MVA claim. I broke my back(twice now) and even though I was racing in a sanctioned motocross event, they paid, and continue to pay my medical bills, which saldy, are pretty big!

[Xhumeka]

Legally, you need insurance to ride on any property other than YOUR own property. This applies to public property, private property, everywhere but on YOUR OWN property.

True - although pay-to-play areas (like Gopher Dunes) do not require you to have your own insurance since they provide liability insurance which is built into the cost to use their facilities for the day.

[Z1K]

$70/year, nice! Do you also have your auto with State Farm?

I have 2 autos, 3 bikes and my house with them. None of the other companies have been able to beat their rates on any of it. (Avi Singh did come close though.)

[WarpTiger]

I pay roughly $70 per year through State Farm for a 225.

looks like dirt bikes are cheaper to insure than scooters that cant even keep up with traffic.

[Xhumeka]

looks like dirt bikes are cheaper to insure than scooters that cant even keep up with traffic.

There you have it - riding a two wheeled vehicle in traffic that is too slow to keep up with traffic flow is a dangerous activity, likely MORE dangerous than riding a dirt bike in a forest if you ask me. That justifies the lower rate in my opinion...

[WarpTiger]

There you have it - riding a two wheeled vehicle in traffic that is too slow to keep up with traffic flow is a dangerous activity, likely MORE dangerous than riding a dirt bike in a forest if you ask me. That justifies the lower rate in my opinion...

I'm all about flying in under the radar. if a dirt bike is cheaper to insure on the road than a sport tourer than that would make a great way to pay less insurance.

[Crf250r]

Stupid province

[canuckwr250]

Something obviously wrong here,I dont think anybody would have to pay that for a offroad bike.There must be a reason you are getting these quotes,any other details you are forgetting

[Xhumeka]

You can try Nicole McCann, but read this:

http://www.oftr.ca/page.php?id=809

Seems State Farms Agencies are now on a "monitored growth program" and depending how many bikes she has written in any given month may not be able to provide you insurance.

[VifferFun]

TD has excellent rates for snowmobiles, so they might (or might not) have good dirt bike rates as well.