Bike Friendly Ontario Insurance People [2008 edition!]

[boundless]

Last Updates:

• Jan 04/2008 - Started new thread for 2008!
• Jan 16/2008 - Verified contact updates.

Preamble: This list was started in 2002 when I got into the bike scene. Everyone had their own person to call, and no one shared their list and therefore didn't know who to contact to get a better rate. I believe this is the most complete list for southern ontario insurance companies at the time. Enjoy. For updates, reply to the thread or send a private message.

(old thread: http://www.gtamotorcycle.com/vbforum...ead.php?t=1052)

*** WARNING: Insurance fraud is common!
Don't be an idiot: Don't give up your hard earned cash to someone without knowing if they're legitimate. ALL BROKERS HAVE AN OFFICE - DON'T MEET THEM IN A PARKING LOT AND PAY CASH! If you're dealing with a broker, make sure they are legit by searching RIBO (Registered Insurance Brokers of Ontario) list by clicking the following link: http://www.ribo.com/co_license.cfm (I've also been informed by a few brokers that they'll have some kind of plaque saying they're valid members)

Online Quotes: All online quote systems are inaccurate, and just don't work for bikes - Don't waste your time with them. Call the company direct - it'll be faster and less headaches for you.

General notes about the list below:
- "License restrictions" usually means they won't insure you if you haven't had your license for a few years.
- "Bike restrictions" - if you're looking at a highend sport bike, they might not cover it.
- "Area restrictions" - They only do certain areas of Southern Ontario.

-- Brokers + Companies that support the GTAMotorcycle forums[/colour]
Click here for the subforum. Note: they are paid entries!

[color=red]-- Insurance Companies that deal direct (ie: not through brokers)

Primmum - http://www.primmum.com
Tel: 1 800 816 9618 (new quotes)
Tel: 1 866 466 5276 (client services)
Note: The baseline bike coverage. They'll pretty well cover anyone and anything, but you might do better!

RBC Insurance - http://www.rbcinsurance.com
Tel: 1-877-749-7224 (M-F 8-
Note: Some license restrictions.

PC Financial Insurance - http://www.pcinsurance.ca
Tel: 1-866-660-9035 (M-F 8-8, S 10-4)
Note: Area and License restrictions.

-- Insurance Brokers
Brokers can go to many insurance companies to find the best deal for you - although some don't deal with all the insurance companies, so sometimes you need to contact a few brokers. Also, insurance companies can deal direct or via Agents.

Insurance Brokers Association of Ontario (IBAO) - association - http://www.ibao.org
Broker Listing: http://www.ibao.org/html/find_a_broker/index.asp
This is the member association of independant brokers and set out guidelines for behaviour. Your broker should be a member of this organization. They do not determine or dictate which insurance companies the members deal with though.


Cornerstone Insurance Brokers Ltd - broker - http://www.csib.org
Note: Contact info verified Jan 2008
Note: Purchased 'Michael Kaspard & Son Insurance Brokers LTD.'
Offices: Mississauga
Phone: 905 822 9665 ( old: 905 277 4158 )
Fax: 905 822 3756
Motorcycle specialists:
- Andrew DaSilva x225 (Andrew@csib.org)
- Avi Singh x 224 (avi@csib.org)



Holman Insurance - broker - http://www.holmanins.com
Note: Contact info verified Jan 2008
Offices: Markham
Tel: 905 886 5630



John Duffy Insurance Brokers Ltd. - broker - http://www.johnduffyinsurance.com
Offices: Markham
Tel: 905 479 2013
Note: Does lots of bikes
Contact: Brian

JD Smith - broker - http://www.motorcycleinsurance.ca
Tel: 905 764 7868
Note: Specializes in Motorcycles

Riders Plus - broker - http://www.ridersplus.com
Tel: 416 251 1447 (M-F 9-5)
Note: Specializes in Motorcycles

Dan Lawrie - broker - http://www.danlawrie.com
Tel: 905 681 2766 (burlington) 1 905 525 7259 (hamilton)
Note: Hamilton based company.

All-Risks Insurance Brokers Limited - broker - http://www.all-risks.com
Offices: Windsor
Tel: 866 877 4194
Contact: Josh Lazarus (email: jl@all-risks.com)

Murtaugh Smith Financial - broker - http://www.ontarioinsurancequotes.net
Contact: Robin Aldrich
Tel: 416 461 6474 / 1 800 465 5052
Note: Website is for bikers.
Note: Alt website: http://www.msfinancial.ca/en/

Canadian Insurance Brokers Inc. - broker - http://www.cibi.ca
Contact: Corrine Hamilton - email: corrineh@cibi.ca
Tel: 416 486 0951
Note: Tell her Jason referred you.

Easyway Insurance Brokers Inc. - broker - http://www.easywayinsurance.ca
Contact: Joey McRae (x305 - Markham)
Offices: Mississauga (HQ), Mississauga, Markham, Burlington, Cambridge, Ottawa
Tel: 1 888 206 6550 (HQ), 1 866 217 6145 (Markham), 905 362 0740 (Mississauga), 310 3929 (Cambridge)

Tribute Insurance Brokers Inc. - broker - http://www.tributeinsurance.com
Offices: Burlington
Tel: 905 681 6977

Orr & Forster - broker - http://www.orrandforster.com
Offices: King City
Contact: Elizabeth
Tel: 905 833 6691

Signature Insurance Brokers Inc. - broker - http://www.ilap.com/signature/
Offices: Mississauga
Tel: 905 625 8200

Dalton-Timmis Group Inc. - broker - http://www.daltontimmis.com
Notes: Online Quote submission form
Offices: Hamilton (main), Burlington
Tel: 905 527 1177, 1 888 385 8466 (Hamilton)
Tel: 905 633 9019 (Burlington)

Private Client Services - broker - http://pcs-insurance.com
Notes: Jevco mainly
Tel: 1 800 265 2196

Wiesner Insurance - broker - no website
Offices: Toronto and other areas.
Tel: 416 498 6101

Agincourt Insurance Brokers - broker - no website
Contact: Jim Braun
Tel: 416 299 9658
Fax: 416 299 9032

Murray Hoffman Insurance & Real Estate Ltd - broker - no website
Contact: Mary Ann Naccarato
Tel: 416 736 9066
Fax: 416 736 8556

Ensurco - broker - no website
Offices: Toronto, Markham
Contact: Harry
Tel: (Tor) 416 324 2811 - (Mkh) 905 471 3100

Waters Insurance - broker - no website
Tel: 416 291 1097

Murray Jackson - broker - no website
Contact: Gord Young (x303 gord@murrayjackson.ca)
Tel: 416 488 2214

Govier M P Insurance Brokers - broker - no website
Offices: Kitchener
Tel: 519 578 0252

-- Agents of companies
I list these separately so that you realize it's an individual office, but not actually the insurance company. It's complicated, so ask them to explain their relationship with the Insurance Company they represent.



-- Companies that sell through agents/brokers only (Ie: Not direct to you)
These are the actual insurance companies that do the policies - this is more of an informational listing - you need to find a broker that deals with them.

-- Verified to do bikes

State Farm (via agents only) - http://www.statefarm.ca
Note: Contact your local agent/broker! (Got one? Post their info!)
Broker Search: http://www.statefarm.ca/ca/jscript/easysrch.htm

Kingsway General Insurance (via agents only) - http://www.kingsway-general.com
Note: Contact your local agent/broker!
Note*1: Insures more than 25% of the motocycles in Ontario!
Broker Search: See website for complete listing

Royal Sun Alliance (via brokers) - http://www.royalsunalliance.ca
Note: Contact your local agent/broker
Broker Search: http://www.royalsunalliance.ca/royal...sonal_comm.asp

ING Canada (via brokers) - http://www.ingcanada.com/en/ing-insurance.html
aka: Nordic Insurance (name for facility insurance)

Jevco (via brokers only) - http://www.jevco.ca
Note: Contact your local broker!
Note*1: Insures about 7% of the motorcycle market.
Broker Search: No direct listing. (Uses IBAO - see above)

Wawanesa Insurance (via brokers only) - http://www.wawanesa.com
Note: Contact your local broker!
Broker Search: http://www.wawanesa.com/insure_fbroker.asp

Elite Insurance Company
aka: Aviva Canada Elite
Note: Only is doing classic, custom (show) and cruiser bikes.

Echelon General Insurance Company (via agents/brokers only) - http://www.echelon-insurance.ca
Note: Works with Cooperator's Group agents in addition to brokers.
Broker Search: http://www.echelon-insurance.ca/broker_search.php
Agent Search: http://www.cooperators.ca/group/engl...r/content.html

-- Unverified

Aviva (via agents only) - http://www.avivacanada.com
Note: Contact your local agent/broker!
Note: Doesn't do personal coverage any more - only corporate.
Note: Changed name from CGU Group Canada
Broker Search: (link on homepage)

Pilot Insurance (via brokers only) - http://www.pilot.ca
Note: Contact your local agent/broker!
Note: Must have other items (car, etc) with them as well.
Note: Very Restrictive list of bikes.

Citadel General Assurance Co. (via brokers only) - http://www.citadel.ca
Note: Contact your local broker!
Broker Search: http://www.citadel.ca/english/ehome/ehome.asp

Allstate (via brokers only) - http://www.allstate.ca
Note: Contact your local broker!
Broker Search: http://allstate.infonow.net/bin/find...NT_ID=ALLSTATE

-- Companies listed below were mentioned in passing (ie: other threads),
-- but I am unable to find any real info on them. Post it if you have any info!
-- They may not provide motorcycle insurance, or may provide it through
-- a brokers, or have simply stopped providing it. Your milage may vary.

Traders General
Tel: ? -
Note: Deals through brokers

Dominion of Canada
Note: Deals through brokers

The Co-Operators Group
Note: Deals through brokers

-- Parent Company Ownership.
-- Ever wonder why different companies have the same attitude?

Meloche Monnex Inc. - http://www.melochemonnex.com
Note: Holding company owned by TD Canada Trust.
Note: Listing: http://www.melochemonnex.com/en/legal



Note: They own the following insurance companies:

• Meloche Monnex Insurance and Financial Services Inc. - Only does deals with professional/alumni associations.
• Security National Insurance - Main Underwriters for Meloche Monnex.
• Liberty Mutual Insurance - http://www.libertymutual.ca
  Note: Recently acquired by Meloche Monnex. May do bikes.
• TD Home and Auto Insurance Company - Doesn't do bikes.
• Primmum Insurance Company - See main listing above.
• Others - http://www.melochemonnex.com/en/legal

Kingsway Financial Group

• Jevco Insurance - See main listing above
• Kingsway General Group - See main listing above
• Others - Full list: http://www.kingsway-financial.com/companies.htm

Aviva Canada - http://www.avivacanada.com

• Elite Insurance - See main listing above
• Traders General
• Pilot Insurance
• Others - https://www.avivacanada.com/product....nguage=ENGLISH

-- Links to other related information

CVMG - Canadian Vintage Motocycle Group
Main: http://www.cvmg.ca/
If you've got an old bike (like 25+ years), contact these nice guys - lots of stuff specifically for vintage bikes.

-- End of List



If you know of another supplier, please reply to this thread and I'll add to this master list shortly! Support the biker community!

[DR.ZED]

I'll add something here....

29 male, m2 in Oct 2007 with training. 2 tickets. No accidents.

2000 CBR600F4 with state farm was $1100 /yr. Sold the bike.. NOW...

2007 Honda Shadow Spirit 750. ($1000 deduc. on all below full coverage)

Cooperators: No stand alone coverage
Primmum: $1900!!!!! full coverage... less $350 for basic
RBC: Must have M2 more than 2 years
PC Insurance: No stand alone coverage
Riders Plus: $1700 full, $1400 basic
John Duffy: $1797 - Kingsway
Forget who gave it to me, but I got another Kingsway for $2600
Statefarm: $1594

[FiReSTaRT]

Dean Yorke (State Farm)
118 Simcoe Street North
Suite 200
Oshawa, ON L1G4S5
Phone: ( 905 ) 725-7700
Fax: ( 866 ) 827-6120

I did everything over phone and fax. He was very friendly and gave me a decent rate.. 600ccSS, 27, GM2, clean record -- $900/ann.

[FiReSTaRT]

State Farm only looks at the engine displacement and afik they don't care about your age or rider training. License class has little or nothing to do with your insurance rates.

[jeremy22]

quote from 3/6/08.

State Farm:

27 year old male
GM2
Clean record
RTI Course
No other insurance with State Farm

Vehicle: 1992 Yamaha FZR 600

Basic Liabilty Coverage Only $68.03/month, $816.41/year

w/Comprehensive coverage $78.64/month, $943.67/year

w/full coverage $96.27/month, $1155.18/year

[jeremy22]

Dean Yorke (State Farm)
118 Simcoe Street North
Suite 200
Oshawa, ON L1G4S5
Phone: ( 905 ) 725-7700
Fax: ( 866 ) 827-6120

I did everything over phone and fax. He was very friendly and gave me a decent rate.. 600ccSS, 27, GM2, clean record -- $900/ann.

is that full coverage?

[vw2005]

Does anybody have any experience with combined insurance rates?

I'm buying a house in July ... and both my car and bike insurance are up for a renewal in the same month. Currently, Car is with Belair and Bike is with Kingsway.

I know there will be SOME benefit with combining insurance ... I'm just trying to get some real-world figures that current members are paying.

23 Male (will be 24 @ renewal)
250K House in Guelph
2000 Ninja 500R
2000 Honda Civic


Any companies that offer deep discounts for giving them full business? (My first guess would be State Farm)

[kubu]

Just called Riders Plus, apparently they only insure people 25 years of age and older.

[mikethecottagebum]

Straight Up Best Insurance Deal I Could Find.

25 Years Old, New Rider On M2, Honda Cbr

1000 A Year, D.u.n!


905-468-2221 State Farm
Call Em,

[jeremy22]

called state farm and they told me they won't give me bike insurance unless i have car insurance with them ... then said that they probably can't give me a good rate and suggested i get it elsewhere ... this before asking me for any details about my bike, my driving record or anything else, just the fact that i have my car and home ins thru someone else right now. sheesh. some peeps really DON'T want your business.,

wow.. that's nonsense. call my girl, she was great.

Sabrina Paul
Insurance Account Representative
State Farm®
Providing Insurance and Financial Services
11 Harwood Ave. S., Suite 201
Ajax, Ontario, L1S 2B9
(Phone (905) 426-5959
7Fax (905) 426-9631

[designkarma]

wow.. that's nonsense. call my girl, she was great.

Sabrina Paul
Insurance Account Representative
State Farm®
Providing Insurance and Financial Services
11 Harwood Ave. S., Suite 201
Ajax, Ontario, L1S 2B9
(Phone (905) 426-5959
7Fax (905) 426-9631

i'll second that - just called her, she is a fantastic person

[gcrouse]

Ok i dont know how people on here are getting great rates from the various companies. 711 full coverage for me thru duffy.. Erin at statefarm quotes 1490 no thx, nobody can touch duffy as i stated before. At least not in my instance.

[jeremy22]

Ok i dont know how people on here are getting great rates from the various companies. 711 full coverage for me thru duffy.. Erin at statefarm quotes 1490 no thx, nobody can touch duffy as i stated before. At least not in my instance.

hmm.. duffy's quote was higher than state farm for me.

what are your specs?

[gcrouse]

53 male clean record 2000 vfr full coverage. Ive gotten quotes for R1's & gixxers that are crazy expensive. Always wonder how the younger crowd can afford insurance if they are quoting an old fart like me these rates on pure sportbikes.

hmm.. duffy's quote was higher than state farm for me.

what are your specs?

[Guccigucci2001]

With State Farm, 32 years old, married, clean record on G license, M2 for only few months, (had to take the test again, previous one expired) all for $1260 per year full coverage 500 ded for 2007 R6

State Farm was the cheapest i could find. TD was the highest with $3900.

[torresa]

Does anyone know an insurance company that will insure me for a good price?....
statefarm quoted me for $2,030,
TD for $12,000 (this is not a typo)

21 year old male
single
G licence, no history of accidents/tickets
just took my course to get my m2
don't have 5 years driving experience (statefarm never asked me about 5 years driving experience)
2001 CBR 600 f4i

I've heard horror stories about people getting a call back 3 weeks later from statefarm stating they would no longer insure them without 5 yrs driving experience. Anyone have experiences with this?

[jahooligan]

Does anyone know an insurance company that will insure me for a good price?....
statefarm quoted me for $2,030,
TD for $12,000 (this is not a typo)

21 year old male
single
G licence, no history of accidents/tickets
just took my course to get my m2
don't have 5 years driving experience (statefarm never asked me about 5 years driving experience)
2001 CBR 600 f4i

I've heard horror stories about people getting a call back 3 weeks later from statefarm stating they would no longer insure them without 5 yrs driving experience. Anyone have experiences with this?

I was a sucker to that. I went to a statefarm agent in pickering and bought a policy for an 86 FZ600 on April 20. They then sent me a letter about a month later saying that I didn't have full 5 years driving experience and that i'm insured only until mid-june. the thing that ****** me off is that i would of had 5 years driving experience in august and ontop they charged me for 3 months full months plus some stupid fee for being cancelled early.

[NomadicLonewolf]

Called Sabrina and Paula from State Farm, they were very helpful but State Farm sucks if you're a under-25 new rider without a car.

2001 Kawasaki Ninja 500
200k Basic Coverage: $2228
500k Basic Coverage: $2590
1M Basic Coverage: $2869

It doesn't matter that I'll be needing home insurance since they only care about insuring your car. So far JD Smith's $2173 for 1M Basic is still the best quote.

[NomadicLonewolf]

Does anyone know an insurance company that will insure me for a good price?....
statefarm quoted me for $2,030,
TD for $12,000 (this is not a typo)

21 year old male
single
G licence, no history of accidents/tickets
just took my course to get my m2
don't have 5 years driving experience (statefarm never asked me about 5 years driving experience)
2001 CBR 600 f4i

Who did you call (at State Farm) to even get that? I called Sabrina, Paula, Erin and they all quoted my $2800.
I'm 23 male, G license, clean history I have 5 years driving exp, M1 April and did the course so M2 in June.
2001 Kawasaki Ninja 500R, no car and State Farm is asking for $2800 liability only.
The best I've found is JD Smith 2173 for 1 payment or 3% more for 4, or Duffy for $2233.

[beltenebros]

Just called Leane from State Farm (in the Beaches) and they wouldn't insure me without 5yrs car driving. They also told me they were pretty well at their limit for motorcycles anyway and I should try elsewhere ...

I'm still on the hunt.