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  1. #21
    GateKeeper's Avatar
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    Re: Newbie to motorcycles

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    Quote Originally Posted by Learner View Post
    I should probably point out that I did ride a 250cc bike back home and had insurance there. The ducati is my first bike in Ontario.

    Ok, so I pulled out my policy.

    As mentioned, I had to bundle bike cover with my car. I paid my car premium up-front when I arrived in the country: $1437 for a 10 Honda Accord. I have no insurance history in Ontario but do in my home country. I had to show this to Scotia as part of the bike insurance and they then also also applied a a discount on my car to give me some credit for experience.

    OK, so for the bike policy: Under 'Liability' ($1M), my premium says '$13'. Under 'Accident Benefits (Standard Benefits), it says '$73'. Comprehensive is included, $500 deductible, premium '$26'.
    Subtotal: $1437, Modification: $137

    My totals show $1437 already paid, a modification of $137 for the bike (paid monthly @ $19.57).

    So $1574 combined for car + bike. I`m happy enough!
    Quote Originally Posted by Trials View Post
    As you should be! You are paying the rates that we all should be paying.
    I suspect somebody recorded or your VIN wrong somewhere along the process, check the VIN on the policy against the one stamped on your bike, if they are the same I wouldn't say a word.
    So $1574 combined for car + bike. I`m happy enough!

    As you should be! You are paying the rates that we all should be paying


    Really car and bike combined for $1574, new driver to this country.....

    Something is still not right, or did I miss something ?

    I would expect a bill of about 3 Grand per year for the bike and car.....at minimum......

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  2. #22
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    Re: Newbie to motorcycles

    Quote Originally Posted by GateKeeper View Post
    So $1574 combined for car + bike. I`m happy enough!

    As you should be! You are paying the rates that we all should be paying


    Really car and bike combined for $1574, new driver to this country.....

    Something is still not right, or did I miss something ?

    I would expect a bill of about 3 Grand per year for the bike and car.....at minimum......

    .
    Its unbelievably cheap. Not sure how OP managed to pull it off. Maybe they have 10+ years driving/riding credit from home country, and the location helps. Even then, I'm surprised lol

    I tried using a Kawartha postal code on TDs online calculator with my riding profile for the Duc 916, and still got quoted 2k per year.

  3. #23

    Re: Newbie to motorcycles

    Quote Originally Posted by roadrash View Post
    Its unbelievably cheap. Not sure how OP managed to pull it off. Maybe they have 10+ years driving/riding credit from home country, and the location helps. Even then, I'm surprised lol

    I tried using a Kawartha postal code on TDs online calculator with my riding profile for the Duc 916, and still got quoted 2k per year.
    If the cover on the bike was really $2K+ a year, I would sell it. I've never lived in an area with such high insurance premiums, and I've lived in a few different countries. Ontario seems off the scale.

  4. #24
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    Re: Newbie to motorcycles

    Quote Originally Posted by Learner View Post
    If the cover on the bike was really $2K+ a year, I would sell it. I've never lived in an area with such high insurance premiums, and I've lived in a few different countries. Ontario seems off the scale.
    I still don't believe you have a bike and car insured for 1500 a year......but hey I have been known to be wrong....

    for me it's just not passing the smell test....

    .
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  5. #25

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    Re: Newbie to motorcycles

    My car and bike in the kawarthas is about 1100 a year. It's a 250. I'd assumed that the insurance was so cheap because the bike is so small. Apparently location is a big part of it too

    Sent from my Redmi 4A using Tapatalk

  6. #26

    Re: Newbie to motorcycles

    I heard plenty of companies won't even touch a Ducati anything.
    Some called my MV "restricted" like it was some kind of restricted weapon or something.
    When I moved rural my rates did not drop significantly, ymmv.

    Nice bike by the way.
    Welcome to Ontario, and;
    all motorcycles here are invisible including the sexy red ones,
    key to survival is to out ride them all,
    key to keeping your license and low insurance rate will be to rarely use more then about 5% of Your motorcycles capability.

  7. #27
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    Re: Newbie to motorcycles

    Quote Originally Posted by Trials View Post
    all motorcycles here are invisible including the sexy red ones,
    key to survival is to out ride them all,
    yes, OP has ridden for awhile, not sure where
    but most places outside NA bikes are given less respect than here

    and he may have the time-acquired spidey sense to spot azzholes
    and get away from them, preferably behind you

  8. #28
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    Re: Newbie to motorcycles

    Quote Originally Posted by JavaFan View Post
    yes, OP has ridden for awhile, not sure where
    but most places outside NA bikes are given less respect than here

    and he may have the time-acquired spidey sense to spot azzholes
    and get away from them, preferably behind you
    Actually, it's better to ride behind them, because then they can't get on top of you without your help, but most of us are impatient.
    Ignorance is curable, Apathy not so much, but I don't care, I'll try anyway.

    Everyone likes to think that they may be the smartest person in the room, but sometimes that only occurs when we're alone!

  9. #29
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    Re: Newbie to motorcycles

    Quote Originally Posted by Baggsy View Post
    Actually, it's better to ride behind them, because then they can't get on top of you without your help, but most of us are impatient.
    you're prolly right with that....

    what I meant, was to vary your speed, and lane position
    to be as visible as possible.....subtle things that keep us alive
    as we watch for left turners in a hurry

    buried in a pack of traffic is not where I want to be
    and more importantly, I want to be able to ride another day

  10. #30

    Re: Newbie to motorcycles

    I heard the 'all Ducatis are blacklisted' line when I was doing my homework on how to get the best cover. I read somewhere that it seems that once superbikes get to 15 years or older, the risk for claims go down, even though when first released they were effectively race bikes with lights and turn signals. This may be because it's mainly older riders that are still keeping bikes from the '80s, '90's, early '00's still on the road.... more experience, less risk(?)

    I'm 40 so that may also have been a factor in the premium I got.

    Unbelievably, in two years my 916 will be 25 years old and will qualify for Classic insurance options from a few more companies. I'd say I'll be keeping the scotia policy for as long as I can, as you guys are clearly making my $524 a year to be the deal of century...(!)

    Also, I'm from New Zealand in case anyone was wondering. I started a thread/blog about the bike on a brit ducati forum here: https://www.ducatiforum.co.uk/threads/1995-916.64736/
    Last edited by Learner; 10-14-2018 at 07:56 PM.

  11. #31
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    Re: Newbie to motorcycles

    Quote Originally Posted by JavaFan View Post
    you're prolly right with that....

    what I meant, was to vary your speed, and lane position
    to be as visible as possible.....subtle things that keep us alive
    as we watch for left turners in a hurry

    buried in a pack of traffic is not where I want to be
    and more importantly, I want to be able to ride another day
    You're right as well, you want to be well in front or well behind these people.

    Back to insurance though, it looks like I need to shop around again.
    Ignorance is curable, Apathy not so much, but I don't care, I'll try anyway.

    Everyone likes to think that they may be the smartest person in the room, but sometimes that only occurs when we're alone!

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