John R. Duffy Insurance Brokers Limited

[Insurance Guy]

We at Duffy Insurance have been supporting the GTA Motorcycle site and community through advertising for several years. Many of the GTA members are already clients. For those that are not yet clients, there are three reasons you should consider insuring your bike with us:

EXPERTISE - We have been insuring bikes all across Ontario since 1963. We insure all bikes and riders and know how to find you the best coverage for the lowest rates, maximizing all available discounts. All of our brokers have a minimum of twenty years experience insuring bikes. We are members of the Registered Insurance Brokers of Ontario (RIBO), the Insurance Brokers Association of Ontario (IBAO), and the Insurance Institute of Canada.

CONVENIENCE - You can be assured of fast, friendly service from knowlegeable staff when you call our office. You may receive a quote online or on the telephone. You may insure your bike with us in the office or on telephone utilizing e-mail or fax for your application. We make it as easy as possible to insure your bike and provide convenient payment options.

CHOICE - We are independent insurance brokers and represent several different insurance companies. We will work with you to find the best company for your needs. We will insure your motorcycle as a stand alone policy with absolutely no requirement to insure another piece of business to get our best rate.

We are a full service brokerage. Please inquire about our home, auto, classic auto, watercraft, or business insurance. We're here to help.

[Gotta_Be_SV]

These folks gave ma a better deal then state farm. Very helpful and knowledgeable. Thanks Guys!

[Sky_high]

Yes, I fully agree. Great company to deal with.

[FoxHound]

Great company to deal with, been with them for the last 2 years, unfortunatly rates to high for a sport bike but they sure did try to find me a good rate.

A+ service

[gcrouse]

Awesome service and rates. I would highly recommend them and yes i'm a client!

[imported_superhawk996]

These folks gave ma a better deal then state farm. Very helpful and knowledgeable. Thanks Guys!

Sorry have to disagree state farm was cheaper, i got a price from duffy like last week they priced me at 1500 for the year, and im paying 1088 a year with state farm

btw... both prices are full coverage,also when i spoke to the guy there, they dont do monthly plans u have to pay full pop

[newbieracer]

Sorry have to disagree state farm was cheaper, i got a price from duffy like last week they priced me at 1500 for the year, and im paying 1088 a year with state farm

btw... both prices are full coverage,also when i spoke to the guy there, they dont do monthly plans u have to pay full pop

when i got quoted there I got to pay in 3 payments, so did my buddy who just got insurance threw them.

[imported_superhawk996]

when i got quoted there I got to pay in 3 payments, so did my buddy who just got insurance threw them.

very strange indeed,cause they told me i had to pay one time few, anyhow i still gotta better deal threw statefarm as now my insurance drop 10 bucks a month in my new renewal.... hahaha

[Ninjabunny]

I've received great service from them over the last 4 years

[gcrouse]

Hey dont be sorry man. I will jump ship if better quote is sent my way. I have a call into statefarm as we speak. I'm just saying lasytyear there quote was best and has been for 4 years running.

Sorry have to disagree state farm was cheaper, i got a price from duffy like last week they priced me at 1500 for the year, and im paying 1088 a year with state farm

btw... both prices are full coverage,also when i spoke to the guy there, they dont do monthly plans u have to pay full pop

[Vlad]

I've been a J.R. Duffy customer for a couple of years, but got a 30% better rate elsewhere this season, so I switched.

As for the service, I don't really see what is there to compare, except for the speed in providing a quote and processing the paperwork. Other than raw price, there is very little difference between brokers/insurance companies. How they handle a claim is a different question, but that one is really hard to answer in advance.

With regards to quotes, there is no consistency whatsoever, neither between different brokers / insurance companies nor with the same broker / company year over year. last year I was with Kingsway, this year Jevco is beating them, next year Primmum might be better for me. The broker I was with last year could not match the rate with the same insurance company. I got it 30+% cheaper with the other broker.

From now on I will always call at least a couple of brokers to compare as soon as I get the renewal notice. It saved me more than $300 this year.

My advice for brokers: Do your own comparison with competition and tell us where you are beating them. Something like "We'll beat any quote for scooter insurance." or "Best rate for riders over 40, guaranteed.". Everything else is just empty talk.

[jon12001]

i just got off the phone with them and i was quoted 64 dollars less then statefarm a month on a honda cbr 600. Only thing i didnt like about them is they wanted everything in one payment !! I see a few people on here got to pay in 3 payments but the lady told me they needed it all up front ?

[VifferFun]

As for the service, I don't really see what is there to compare, except for the speed in providing a quote and processing the paperwork. Other than raw price, there is very little difference between brokers/insurance companies. How they handle a claim is a different question, but that one is really hard to answer in advance.

There can actually be a pretty large difference in the way an insurance company handles claims. You should note that it is the Insurance Company and not the Insurance Broker who handles claims. FSCO (the Financial Services Commission of Ontario) used to conduct an annual survey to determine claims satisfaction by company, and the "percentage of satisified claimants" usually fell within the range of 75% to 98%. Nonstandard carriers such as Kingsway were usually near the bottom of the spectrum, and more elite carriers such as Pilot, Dominion, and Unifund were near the top. For some reason I can't seem to find these surveys any more.

My advice for brokers: Do your own comparison with competition and tell us where you are beating them. Something like "We'll beat any quote for scooter insurance." or "Best rate for riders over 40, guaranteed.". Everything else is just empty talk.

Your advice for the brokers is something that is impossible for them to carry through on. A broker is essentially a salesperson or representative for a number of insurance companies (usually up to five or so). Being the sales person, they have to use the rating manuals of the companies they deal with to give you a quote--they do not create the rating manual. Creating the rating manual and setting rates is part of my job as an Actuarial Analyst at the head office of an Insurance Company (which involves a lot of analysis of historical statistics). The broker does not have the freedom to deviate from an Insurance Company's rating manual.

The rating manuals contain the company's algorithm to calculate your quote based on certain characteristics (such as age, gender, marital status, bike, location, etc.). A broker can't guarantee the lowest quotes for scooters (or similar) because the competitiveness of your quote depends on whether or not you fall within the target market of one of the companies that the broker is licensed to quote.

Cheers!

[You Know]

These folks gave ma a better deal then state farm. Very helpful and knowledgeable. Thanks Guys!

I pay 800bux a year full coverage on my gixxer6 through statefarm(no tickets no claims in over 10years). Although duffy agents were super friendly the best they could do for me was 2400bux!!!! Shop around folks. I must admit it's cool how duffy ins. supports the motorcycle industry as a hole!

[Trekie2]

+1 for these guys...super friendly and really great rates!!!!

[Fly_Or_Ride]

Just finished shopping around with a number of brokers for insurance on my first bike. The experience varied from broker to broker, but without a doubt, Brian Duffy was the best. His service was fast, friendly and very informative. He was able to provide me with a competitive quote but it was the fantastic service that made him stand out from the rest. I'd recommend him anytime.

[BignrBiker]

+1 For brian
My first time getting bike insurance and i have a few tickets. I shopped around and he was by far the cheapest. Very nice, helpful, quick andprofessional. I would recommend him to any 1st time or veteran rider.

[kissdaring]

26 years of age with a G license for over 10yrs. no accidents.

I have 3 minor tickets with no points lost, what insurance company could i go with. i tried calling around, and got quoted more then the bike is worth...

Have an M1, will be going for M2 by the end of this month.

Ride a 2004 Yamaha YZF-R6 (R6) 599-600cc

what are my options, whom can i call, please.

[Insurance Guy]

26 years of age with a G license for over 10yrs. no accidents.

I have 3 minor tickets with no points lost, what insurance company could i go with. i tried calling around, and got quoted more then the bike is worth...

Have an M1, will be going for M2 by the end of this month.

Ride a 2004 Yamaha YZF-R6 (R6) 599-600cc

what are my options, whom can i call, please.

Just call the office or you can get a quote online on our website.

[Sydarm]

Can I get a quick quote

2001 CBR F4I. Clean record. no tickets or claims nothing. M2 for a year now.

Age 24 male. Location Woodbridge L4H

Your site says my quote is 3200$ which i find absurd for being 24 with a clean record and m2