8 years ago, I got my M1 and M2, rode for four years, then sold my bike and made the mistake of not obtaining my full M. Now that I've decided to get back in to riding, I'm considered a new rider, which I'm fine with. Bought myself a cheap little GW250F which I'll be picking up next week. The best quote I've gotten with my M1 (which I will replace with my M2 after two weeks when I take the course again) is in the $1,600/year range. If I wait the two weeks and insure it after getting my M2, I've gotten quotes as low as $418 (Co-Operators) and $440 (State Farm)! Both companies won't insure M1 riders, and a number of others with prices in the $800-$1100 range won't either. So to ride two weeks earlier, insurance costs four times as much!
I don't understand how a new rider is supposed to get the skills to pass the ministry's M2 test (as opposed to doing it through the safety course) if barely anyone will insure them, and those who will charge that much more. I think the safety course was invaluable when I took it back in '08; enough so that after the break from riding I want to take it again. But really - an extra $1200 just for two weeks of riding? And they know if they're insuring you for the year that you'll be getting your M2 because the M1 is only good for 90 days!
Maybe I'll just drag a TV out to the garage and hook up the Playstation to sit on the bike and watch videos from vloggers and pretend I'm riding! It's going to be a long couple of weeks!
I don't understand how a new rider is supposed to get the skills to pass the ministry's M2 test (as opposed to doing it through the safety course) if barely anyone will insure them, and those who will charge that much more. I think the safety course was invaluable when I took it back in '08; enough so that after the break from riding I want to take it again. But really - an extra $1200 just for two weeks of riding? And they know if they're insuring you for the year that you'll be getting your M2 because the M1 is only good for 90 days!
Maybe I'll just drag a TV out to the garage and hook up the Playstation to sit on the bike and watch videos from vloggers and pretend I'm riding! It's going to be a long couple of weeks!