New rider questions | GTAMotorcycle.com

New rider questions

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RJ East

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Hiya - I have a couple of questions for the more knowledgeable. I got my license late last year and this is my first season of riding. I'm an adult for context.

1) I've been riding all over Toronto proper from 5:30am to 7am daily. Posted limits are often 40, and I'm routinely going over that because it's a ghost town at that time. Am I going to get ruined by speed cameras? I'm not a super speedy guy, but I'll go 55 in a 40 without thinking about it if given space. On that point, can speed cameras issue demerit points?
2) when I signed my insurance policy I assumed that I would be around 1500km in my first year of riding based on my free time. Well, it's been a couple months riding and I've already hit 1000km - mostly because this whole motorcycle thing is even more compelling than I anticipated. Do I need to contact my insurance people now, or should I just make the adjustment when my policy renews?

Thanks - I appreciate any notes you guys might have.
 
Well, the nail that stands out gets hammered down. It’s a bit different if you’re in a flow of traffic all going at a similar speed as opposed to the only easy target on the road at that particular time.
 
Certainly makes sense. I'll have a better idea in a month or two when the mailed infractions arrive. Daily riding at 11km over on a camera road could add up quick.

A couple years back I got an $80 ticket for going 51 in a 40 along davisville at 7am. That kind of thing makes me nervous because any normal officer wouldn't look twice but a camera is unforgiving.
 
RJ East said:
Certainly makes sense. I'll have a better idea in a month or two when the mailed infractions arrive. Daily riding at 11km over on a camera road could add up quick.

A couple years back I got an $80 ticket for going 51 in a 40 along davisville at 7am. That kind of thing makes me nervous because any normal officer wouldn't look twice but a camera is unforgiving.
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The camera tickets don't affect your insurance policy, just your wallet. No points.

as for your mileage, well..the insurance company will certainly try everything to get out of a claim if you make one. Going thousands of KMs over your 'reported mileage' could be enough of a loop hole, if you want peace of mind; call back and inquire what your premium change would be upping it to 10k/year.
 
Good to know about the camera / points - thank you. I can deal with a ticket once in awhile, but the points would be more worrisome as an M2 rider.

You've confirmed my thoughts on the KM / insurance. Makes sense to give the insurance people a ring once I've breached what my policy says.
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