Recent content by MikeLeinwand

It all depends on the company you are insuring with. If company A has a good loss ratio (less claims) in a certain area, they will lower rates in that area because it is profitable to them. If company B has a high loss ratio in that same area, they will apply for a rate increase to deter new...

Do you know which insurance company they put you with? Dalton Timmis is the broker but they would have placed you with a specific company. As an insurance broker, it's good to know who to refer people to if I'm unable to help them out.

I'm an insurance broker and this is one of the best questions I've seen posted on GTAM. First off, anyone can sue anyone for anything (American culture has come to Canada). Whether the person would win their lawsuit can't be determined by anyone other than the lawyers who fight the case. With...

Everyone seemed to answer this one but I'll throw my two cents in... Insurance companies offer very little discounts for insuring two bikes together, but some do. Intact, for example offers a 5% discount, but here's the big problem I come across daily. Companies like Intact have a list of bikes...

I am going to check out the 650 V Storm, thanks. I don't mind the look, my concern is learning to ride for now, eventually I'm sure I'll get another bike, but for now that may be perfect. Thanks!!

I was thinking Riders Training Institute, they stood out because they have a few locations I could choose from. I've also heard Humber is a good course.

Great advise, thanks. I am going to go to a few dealerships and ask about touring and sport touring bikes. The kicker is that I am trying to find a comfortable bike, but at the same time a beginner bike. All the new riders I speak to always have CBR250s or similar. From what I've learned in my...

Hey, I'm about to get my M1 and am looking for a bike. I speak to many people daily in my line of work who have just recently received their license, or have been riding for many years and I always ask this question but haven't really got any definite answers. I am 6 feet tall and had a back...

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You are absolutely right. Remember, I'm a broker, not insurance company. I fight with insurance companies often to get these discounts added on for people who have had a gap. Insurance companies can't SURCHARGE for gaps in coverage, but they can DISCOUNT for renewal and loyalty. So continuous...

I can tell you that the only company I have that would write the policy is (just like others have said) Facility. One ticket basically screwed you because Facility will charge you a ridiculous amount and does not offer any payment plan other than single payment. In response to ticket...

Yes, I do know that and insurance companies do not rate you for having gaps in insurance. They do however give you discounts for having continuous insurance. They are called renewal discounts and an insurance company can offer you renewal discounts even if your experience up until that point was...

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As somebody above mentioned, Intact Insurance does monthly payments but charges a 3% monthly service fee. The 3% monthly service fee is charged by most, if not all companies that offer MPP (monthly payment plans). If you are with a company that doesn't tell you they charge 3% then maybe they...

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