Do you need insurance on your bike for the M1 Exit Test?

RuffRyder

RuffRyder

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Am going to be taking the M1 Exit Test next month, wondering if the bike I own which is NOT insured at the moment can be used for the test. Obviously I will arrange for the bike to be transported to the test location via truck but would it be alright to do the test with it?

It has plates on it right now from my old bike I had insured last year but the sticker expired June 2015. Would the examiners care/ask for insurance/ownership?
 
RuffRyder said:
Am going to be taking the M1 Exit Test next month, wondering if the bike I own which is NOT insured at the moment can be used for the test. Obviously I will arrange for the bike to be transported to the test location via truck but would it be alright to do the test with it?

It has plates on it right now from my old bike I had insured last year but the sticker expired June 2015. Would the examiners care/ask for insurance/ownership?
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They don't check your insurance for the M1 exit test, no. There was a guy with a ducati there he brought on a trailer, they made him put current stickers on it before he was allowed to complete the road test part, so generally it has to be plated and have up to date validation stickers on it. I don't think it'd be a problem with plates that didn't belong to it.

A better option would probably be to borrow a friends bike that has current insurance and plates, etc. A cbr125 is the perfect tool for the job.
 
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It would be very unfortunate if you were charged with no insurance, invalid plates while doing your road test. You would not only fail, if the tester allowed you to start the road test, but have a hell of a story to tell the judge! You need insurance, plates and a valid sticker. I'm sure the testers will check, or at least they should.
 
Nobody checks anything. When I did my "M" test in Toronto they didn't even asked me if it was my bike or if it was insured, they just made me blink my turn signals and checked if my brake lights worked and my horn.
 
Pegassus said:
Nobody checks anything. When I did my "M" test in Toronto they didn't even asked me if it was my bike or if it was insured, they just made me blink my turn signals and checked if my brake lights worked and my horn.
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If you get charged it's not their issue, and for sure they will fail you. Worse, if you get into a crash without insurance it will also be your problem, a problem worse than simply failing the road test. It is possible for you to crash during the road test, be it your fault or not. If you hurt anyone or anything you could be liable to repay all costs out of your pocket. Never ride on the road without insurance, road test or not.
 
Well I'm not saying he should go without insurance to the test, I'm just answering his question "if they check for insurance".
 
TorontoBoy said:
If you get charged it's not their issue, and for sure they will fail you. Worse, if you get into a crash without insurance it will also be your problem, a problem worse than simply failing the road test. It is possible for you to crash during the road test, be it your fault or not. If you hurt anyone or anything you could be liable to repay all costs out of your pocket. Never ride on the road without insurance, road test or not.
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Why does everyone on here assuming things for the sake of arguing?

Dude nobody arguing with you. The poster never said you're wrong.... Relax....alright? Yes we all know moral and ethics....
 
I'm not assuming anything, and I did not think anyone was arguing with me. How did you come to this conclusion? We all do not know the moral and ethics. Simply read this forum as proof. Morals and ethics are on a sliding scale for society, but the law is the societal line one should not cross. I'd hate to see a rider crucified for the rest of his life because he did not know something that most riders already know.
 
TorontoBoy said:
I'm not assuming anything, and I did not think anyone was arguing with me. How did you come to this conclusion? We all do not know the moral and ethics. Simply read this forum as proof. Morals and ethics are on a sliding scale for society, but the law is the societal line one should not cross. I'd hate to see a rider crucified for the rest of his life because he did not know something that most riders already know.
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Lol the poster just posted info to answer the op question. Why did you quote him if you don't want to argue? The OP is old enough to ride he is old enough to make choice. You don't have to tell someone should this should that.

Relax. You're not wrong.
 
TorontoBoy said:
If you get charged it's not their issue, and for sure they will fail you. Worse, if you get into a crash without insurance it will also be your problem, a problem worse than simply failing the road test. It is possible for you to crash during the road test, be it your fault or not. If you hurt anyone or anything you could be liable to repay all costs out of your pocket. Never ride on the road without insurance, road test or not.
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Yes LOL I understand that completely. I dont ride this bike on the road because it is not insured, But really its not like I'm a threat to anyone since the test is in a closed off parking lot and not on the road... and the parking lot is also private property I believe, but that is just nit-picking.

Also, I doubt they would charge me LOL worst case they say use a different bike.
 
johnscruiser said:
They don't check your insurance for the M1 exit test, no. There was a guy with a ducati there he brought on a trailer, they made him put current stickers on it before he was allowed to complete the road test part, so generally it has to be plated and have up to date validation stickers on it. I don't think it'd be a problem with plates that didn't belong to it.

A better option would probably be to borrow a friends bike that has current insurance and plates, etc. A cbr125 is the perfect tool for the job.
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Thanks. So since my sticker is not valid at the moment (Expired June 2015), you don't think I could bring it to do the test on? When you say they made him put current stickers on it, any idea if he had insurance on the bike?, since that is the only way I would think to update the stickers.

Borrowing a friends bike would certainly be ideal, but now I need to go find some friends that ride! lol
 
Interesting point. I don't doubt that you could use a friend's ride or something, but since my stickers are expired perhaps they have reason to ask. Thanks
 
RuffRyder said:
But really its not like I'm a threat to anyone since the test is in a closed off parking lot and not on the road...
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The m1 exit test consists of a road test, public road.


RuffRyder said:
Thanks. So since my sticker is not valid at the moment (Expired June 2015), you don't think I could bring it to do the test on? When you say they made him put current stickers on it, any idea if he had insurance on the bike?, since that is the only way I would think to update the stickers.
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I asked him when he got back if he had insurance and he said he just "wrote down whatever" so I guess that means he didn't. I did the test in Oshawa, maybe other places or examiners wouldn't check.

RuffRyder said:
Borrowing a friends bike would certainly be ideal, but now I need to go find some friends that ride! lol
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You can rent a CBR125 for the test if you can't find a friend with one: http://www.kijiji.ca/v-sport-bikes/...-m/1093159922?enableSearchNavigationFlag=true
 
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RuffRyder said:
Yes LOL I understand that completely. I dont ride this bike on the road because it is not insured, But really its not like I'm a threat to anyone since the test is in a closed off parking lot and not on the road... and the parking lot is also private property I believe, but that is just nit-picking.

Also, I doubt they would charge me LOL worst case they say use a different bike.
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Operation of any motorized vehicle on property that is not your own requires you have liability insurance on that vehicle.
 
griff2 said:
Operation of any motorized vehicle on property that is not your own requires you have liability insurance on that vehicle.
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And the odds are with you that you won't get caught, but the costs should you get caught with no insurance and the related future insurance cost increases are such that I would strongly advise not to risk this.
 
John is correct the M1 exit test also includes riding the bike on a public road, which requires insurance. Just to clarify on your earlier point OP when you said the test is in a closed off parking lot, which you believe to be private property. Even if this were true, (which it isn't due to road portion), you would still be required to have insurance the ONLY place you can legally operate any motorized vehicle without insurance is on private property which YOU OWN.

Chances are less than 50% that the examiner will ask, to see anything other than your drivers licence, or that anything will happen which will require you to show proof of insurance. But for me personally I have low risk tolerance therefore, I wouldn't risk it. Getting nailed for riding without insurance, will definitely harm your rate when you do go to get insurance. Also be aware that if the examiner cancels your test due to expired plates, (remember your going to have to ride on the road for the test), or lack of insurance you will forfeit the $75 test fee.
 
Concac said:
Interesting.... So what about the track? Why don't we need insurance there?
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Because you sign a waiver. However, you can still be sued in court for injuries or damages.
 
Why not insure the bike? If the plan is to get your M2 and start riding, you'll need insurance anyways.

If the issue is about rates, when I had my M1 and bought my CBR250RA, I had it insured with TD MM before my course at M2 rates (since they knew I was taking the M2 in a month or so). I actually asked them does anything happen with my rates once I have my M2 and they said no...if I failed to get a M2 they'd cancel me, but they essentially give you a 'grace' period to get your M2, because you only have 90 days, and insurance typically works on an annual basis/cycle.
 
The M1x at the ministry has an on road portion? Didn't have that at the course...almost seems like with all the 'what if's ', it might be better for the op to drop some $$ and just do the course. $75 for test ~$75 for sticker, you're halfway there.
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