-Maverick-
Well-known member
How did getting married affect your insurance rates? Did they go up / down or stay the same?
Sent from my HTC One M9 using Tapatalk
Sent from my HTC One M9 using Tapatalk
my wife holds an M license resulting in a slight increase to all my motorcycle insurance costs,How did getting married affect your insurance rates? Did they go up / down or stay the same?
Wow, this is what I was not wanting to hear. All research points to insurance rates going down..and then there's the reality. Thanks for your input!my wife holds an M license resulting in a slight increase to all my motorcycle insurance costs,
even though she can't ride those bikes. ymmv.
... well actually if I ride pillion on the BMW and put my feet down when we stop, she could maybe ride that one :|
I ask every year, all of the underwriters I have been with say it's policy so far.Exclude the wife from the bike policy and it stays the same.
Can you do that? They ask you on the phone "are there any other licensed drivers in the household and if so, what kind of license do they hold?" In other words, because there is someone else in the house, liability goes up as the insurance company sees them as a threat that could take the bike out for a joy ride if they are licensed or not.Exclude the wife from the bike policy and it stays the same.
Can you do that? They ask you on the phone "are there any other licensed drivers in the household and if so, what kind of license do they hold?" In other words, because there is someone else in the house, liability goes up as the insurance company sees them as a threat that could take the bike out for a joy ride if they are licensed or not.
Sent from my HTC One M9 using Tapatalk
They go down because your wife won't let you ride! *Ba-dum-tish!*
Please let us know how it goes. My renewal is in Feb and I was thinking the same. Thnx... I'm thinking of going with that company that new Ducati rider is using, he pays less then I do.
How did getting married affect your insurance rates? Did they go up / down or stay the same?
Sent from my HTC One M9 using Tapatalk
A female racer with a husband with no driver's license? You don't hear that every day!I'm female and he doesn't have a license. I had insurance decades before we moved into the same house. Without the exclusion policy my rates would have increased as he "has access". Had nothing to do with marital standing in our case, as we bought the house before we got married. Stupid, I know.
However excluding him just kept my rates as they were.
So moral of the story is it's best not to report living with someone if you have toys in Ontario or write an exclusion letter if you do.
"Ontario, where fun is illegal."
Sent from my HTC One M9 using Tapatalk