Hi,
I learned to ride in the UK and I now have a full M license, so I'm not particularly familiar with the system here so need a bit of advice please.
I ride a 2007 Triumph Bonneville (865cc) and I'm trying to get my girlfriend into riding. I bought a 1978 Kawasaki KZ 200 (200cc) for her to learn on and I started teaching her the basics in a big empty car park. I had contacted my insurance company and asked for some quotes for what it would cost to insure her but they said they couldn't provide a quote until she had a license. On Saturday she sat the M1 theory test and passed so we started looking at quotes today.
The first company has said that with 2 licensed riders and 2 bikes, one rides needs to be the primary on each bike. They've come back with a quote for $4500 per year with Wawanesa for her to ride the Kawasaki which is more than double what I would have hoped would be the maximum. The broker told me she could only find one company who would insure M1 riders.
Now my understanding is that the Ontario Government decided that it would be a good idea to force everyone to hold an M1 for at least 60 days so they can get the necessary experience before receiving the M2 license. At this point with the training and practise she's had in the car park I'm confident she'd pass the M2 test now, but I am not trying to cheat the system. I want to do things the Canadian way and get her the 2 months of experience they prescribe, but at a cost of nearly $800 for insurance for the 2 months until the test I don't think we can afford it.
Again, I don't want to cheat the system or break the rules, but it seems like it would be better to continue to practise off the road and rent a bike for the test even though she will have no on-road experience, that would then give an an extra $700 to put towards riding gear or a newer bike for her. Do most Canadian learners just have to budget this ridiculous insurance cost for their 2 months of M1 license into the cost of learning to ride or does everyone just go against the governments advice and do the M2 test without having a full 2 month of on-road experience?
Any advice appreciated such as insurance company recommendations. I can budget about $200 per month to insure her, but I can't go to $400 per month on top of the $100 I'm paying for my insurance. Currently I'm thinking that we continue the motorcycle practise off-road but buy an e-bike so she can get on-road experience without the massive insurance cost. Would this be satisfactory for the 60 days of M1 experience?
Thanks
I learned to ride in the UK and I now have a full M license, so I'm not particularly familiar with the system here so need a bit of advice please.
I ride a 2007 Triumph Bonneville (865cc) and I'm trying to get my girlfriend into riding. I bought a 1978 Kawasaki KZ 200 (200cc) for her to learn on and I started teaching her the basics in a big empty car park. I had contacted my insurance company and asked for some quotes for what it would cost to insure her but they said they couldn't provide a quote until she had a license. On Saturday she sat the M1 theory test and passed so we started looking at quotes today.
The first company has said that with 2 licensed riders and 2 bikes, one rides needs to be the primary on each bike. They've come back with a quote for $4500 per year with Wawanesa for her to ride the Kawasaki which is more than double what I would have hoped would be the maximum. The broker told me she could only find one company who would insure M1 riders.
Now my understanding is that the Ontario Government decided that it would be a good idea to force everyone to hold an M1 for at least 60 days so they can get the necessary experience before receiving the M2 license. At this point with the training and practise she's had in the car park I'm confident she'd pass the M2 test now, but I am not trying to cheat the system. I want to do things the Canadian way and get her the 2 months of experience they prescribe, but at a cost of nearly $800 for insurance for the 2 months until the test I don't think we can afford it.
Again, I don't want to cheat the system or break the rules, but it seems like it would be better to continue to practise off the road and rent a bike for the test even though she will have no on-road experience, that would then give an an extra $700 to put towards riding gear or a newer bike for her. Do most Canadian learners just have to budget this ridiculous insurance cost for their 2 months of M1 license into the cost of learning to ride or does everyone just go against the governments advice and do the M2 test without having a full 2 month of on-road experience?
Any advice appreciated such as insurance company recommendations. I can budget about $200 per month to insure her, but I can't go to $400 per month on top of the $100 I'm paying for my insurance. Currently I'm thinking that we continue the motorcycle practise off-road but buy an e-bike so she can get on-road experience without the massive insurance cost. Would this be satisfactory for the 60 days of M1 experience?
Thanks