I just thought I'd post some quotes (annual cost) and some notes.
Male, 29, East York
Full G since '98
Full M since '04
Ins. history: '03 - '07
Clean Record (including 1 not at fault)
will ride 10,000 kms/yr (40 km 1 way to work)
Looking at 1 Million 3rd Party Liability, $1000 deductible on Comprehensive (unless stated otherwise)
2005 Kawasaki Ninja ZX-6R 636
TD $2050 basic only, $2700 with $1000 comp (need alarm), $3100 with $1000 ded on collision
Altis (Jevco/kingsway) $4912/$4872. Kingsway requires alarm for comp deductible
Statefarm $906(with car) $1469(without car)
RBC $3207
Duffy (Nordic) $2765 or $2208(Specified perils only, not comp)
Note:
Jevco comprehensive deductible is 250 for bikes worth less than 10,000. I.e. bikes worth $0-10,000 get $250 deductible, bikes worth $10,000 - ?? get $500 deductible.
StateFarm policies differ from office to office. I found one office where it was their policy to only insure bikes if a car is insured with them too. However, that agent said other offices may offer bike insurance only, but they may have a limited number of clients they can make this offer to. Another SF office said they only do motorcycle quotes for existing clients.
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