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  1. Carlos Vincent

    Supersport, just a fantasy

    Or just doesn't want to insure motorcycles, one think you have to understand motorcycle insurance is a money losing market that only a few want it.
  2. Carlos Vincent

    Classic Insurance Costs

    I don't know of any insurance company that offers classic insurance for motorcycles.:(
  3. Carlos Vincent

    WTH is OPCF44 "Family Protection Endorsement"?

    OPCF 44R - FAMILY PROTECTION ENDORSEMENT This endorsement provides additional benefits for the named insured and other insured persons, as defined in the endorsement, if the other motorist does not have sufficient insurance to pay the claim, or should the other motorist be unidentified. The...
  4. Carlos Vincent

    Any older riders get better quotes than Wawanesa for super sports?

    It shouldn't cost more, should be the same or a very small difference, within $100. If both bikes have the same driver, age, experience, territory and years license price will be the same, unless of course one of the drivers is not mentioning convictions
  5. Carlos Vincent

    Any older riders get better quotes than Wawanesa for super sports?

    That seems high, unless you don't have a clean record, or a high risk area I just quoted a 31 year old, 6 years riding experience, High Park area in Toronto, 2015 Yamaha R6 for $1043 year, $500 comp/coll ded
  6. Carlos Vincent

    Which companies/agents are worth calling for a quote on a modest SS?

    I was wondering the same thing, is it a modified motorcycle?
  7. Carlos Vincent

    Insurance Help - 2011 Yamaha Stryker

    How many years have you had your motorcycle license?
  8. Carlos Vincent

    Insurance Ninja 300 abs Under 19

    I did my safety course back in the days with a pair of construction boots, leather jacket and leather work gloves, I did have to buy a cheap plain black helmet for $100. The safety Instructors didn't have a problem with it and everyone else was wearing pretty much the same thing. Definitely not...
  9. Carlos Vincent

    ZX14 insurance

    Not sure if that's sarcasm, but sounds about right for riders over 30 and more than 6 years riding experience, my prices are around there with full coverage. If you are under 6 years riding experience on a SS or over 1000CC sports bike, sports touring I no longer have a market :sad10::sad10...
  10. Carlos Vincent

    Where should I say I live?

    To keep this subject simple, your address should be where all your legal documents go to: Phone bill, Drivers license, Ownership, Credit card address, etc, etc. Companies will investigate why you are rated on an address that does not match any info you may have, specially if it's a lower rated...
  11. Carlos Vincent

    Yet another insurance question! Underwriter fault?

    Wawanesa will only insure sport bikes if the rider has had his motorcycle license for 6 years or more, they are being extremely careful who they insure as they wantt o keep the rates low for the mature, experienced riders. If they were to insure anyone with less than 6 years motorcycle license...
  12. Carlos Vincent

    Recently obtained full M after foolishly letting M2 expire.

    Unfortunately and this is the case of many riders that let their M2 expire, you would be treated as a new rider, once you let your driver's license expire you lose all the riding experience you had and have to start all over again. It's no different from the G2 license, if you don't get you G...
  13. Carlos Vincent

    Insurnace Trick or Fraud?

    There is no cap. For example: every serious convictions you get a 100% surcharge on the total premium, so if you have 3 serious convictions it's 300% surchage 4 minor convictions it's a 25% surcharge and 15% for each additional conviction after that. It just keeps going and going and going...
  14. Carlos Vincent

    Indepedent instructor / bike rental insurance status

    If he is operating some type of motorcycle training course, he requires commercial insurance, if he can't provide you some type of commercial policy insurance, walk away.
  15. Carlos Vincent

    Insurnace Trick or Fraud?

    The mounted policy cameras on the vehicles must be working as we have seen an increase of "Driving Without Insurance" convictions on people's record, and I can assure everyone there are more than what we would think there is. I've encounter a situation this week where the driver has been caught...
  16. Carlos Vincent

    Is there any hope?

    That was well said, I could have not said it any better.
  17. Carlos Vincent

    Is there any hope?

    I like that idea, limiting the CC's for new riders, I really like it.
  18. Carlos Vincent

    Is there any hope?

    Ontario already has a graduating system in place for both auto and motorcycle, it was implemented in 1994, prior to that you only needed a 365 permit, pass a road test without any time frame and you got your G/M license. Now you get your M1/G1 (old 365 permit) you have to wait a period before...
  19. Carlos Vincent

    Light at the end of the tunnel - Cheaper Motorcycle Insurance July 1st

    It's a long dark tunnel with no light insight :(
  20. Carlos Vincent

    Light at the end of the tunnel - Cheaper Motorcycle Insurance July 1st

    Can't really compare it to Texas or anywhere in the USA. USA Riders/Drivers really have no coverage compared to Canada. Texas population is 26,000,000 people with the opportunity to ride all year round, Canada has a population of 35,000,000 with the opportunity to ride 8 months of the year (on...
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