Long time Primmum client, changed to TD a few years ago.
$1M liability=$95
Accident Benefits=$801
+ smaller benefits (uninsured driver, property damage…)
I am paying over $1000/year for a 96 ZX7R, no tickets, no claims and clean record for 30+ years of driving/ riding. Every time I call around for quotes (yearly), I am quoted higher or told that I do not pay a lot for insurance. Considering the riding season in Southern Ontario is 4-5 months at best, we are getting gouged for sure.
As soon as the government gets involved in a business, by dictating what coverages you need to have, all of the competition is gone. We all have to pay for accident benefits. On your car, m/c and sometimes at work. I have full medical benefits at work and if I get in an accident, guess which insurance company gets to pay first? Employer. Then your spouses (if married) and then finally the vehicle insurance company picks up what is left (if any). Since my major medical benefits (paid for by me+employer) are excellent, I will probably never cost my insurance company one single cent yet I have to pay $800/year on m/c, $600/year on cars, $1000/year at work… for these mandatory accident benefits. All of this in a province with universal health care (as long as you are not driving when injured apparently). Sorry but insurance is a real sore spot for me as I am sure many other riders here.