Motorcycle Purchase Without License or Insurance | GTAMotorcycle.com

Motorcycle Purchase Without License or Insurance

Goosey

New member
Hey Everyone,

I am planning to buy a motorcycle by the end of the year as prices as lower. I will get my M1 and take the M1X Course in April 2020.

How would the purchase and transfer of ownership work as I currently do not have a motorcycle license and assume that I, therefore, cannot get motorcycle insurance. (I have a driver's license and auto insurance, if that helps - company does not cover bikes)?

From what I've read on the forums, you can transfer ownership but cannot register the motorcycle or get plates. The Service Ontario website says insurance is required for registration but does not show what's needed for transfers.

What are the implications of doing it this way?
How would the safety inspection work? Will I need to have proof of safety now for the transfer of ownership or when I get insurance and register the bike?
What about the UVIP? Now for transfer or later for registration?

I would really appreciate if someone would help outline the steps and provide details of how to buy a motorcycle in this situation.

Thanks
 

800over

Well-known member
if you are buying new....just have them hold it till you have your license. If you sign a bill of sale with the condition that they hold it till April.....they will.
 

ifiddles

Well-known member
I purchased my CBR125 in December 2010 because it was a steal of a deal...got my M1 in March of 2011, then did the M2 course on Mother's day weekend...had the bike delivered just shortly after I got my M1...dealer stored it for me no problem and everything was done when I set up insurance the day I got my M1...
 

Trials

Well-known member
Register it as unfit, then you have ownership (y) I think the title search is mandatory but not very expensive.
 

ricplayer

Well-known member
Yup. Look into insurance. Not sure if you want it or not, but most home policies won’t cover a bike. If you do want it, you may have problems there without a valid motorcycle licence.

YMMV
 

lakshan

Member
I had the same situation this year. I was passed down a bike but I had no license or insurance. Ownership doesn't require either of those things. I got the bike transferred/registered to me but because I couldn't plate it (no safety, no insurance), I registered it as UNFIT UNPLATED. Now that I have my license, I can get insurance, get the bike saftied, then register the bike again as FIT PLATED.
 

Goosey

New member
Thank you everyone for the responses and advice.

Is there any way to get an idea of how much insurance would be? The insurance companies that I have called refuse to quote without a license.
I realize that it is difficult to provide an accurate quote without a license or having completed a course. However, if I can get a rough idea (ex: $2000 +/- 20%), it would be very helpful. I am considering bikes like the CBR125R, Ninja 250R, CBR250RA, Ninja 300.

Thanks again
 

ifiddles

Well-known member
@ Goosey just tell them you have your M2...you got your M1 60 days ago and your M2 today...it's just a quote...that'll help you decide which bike to get...
 

lakshan

Member
Yeah I'd just get a quote with what @ifiddles said. Weird because I spoke over the phone with many companies and always said I was getting my course done ____ day and m2 on ____ and that was enough for them to quote me.
 

nobbie48

Well-known member
Site Supporter
if you are buying new....just have them hold it till you have your license. If you sign a bill of sale with the condition that they hold it till April.....they will.
I'm paranoid about other people holding onto stuff I've paid for. If the dealership goes under your deposit and the ownership of the bike becomes part of their assets and you'll be way down on the list of people to be paid. If you have a place to store it take it home with a safety and no plates. If the bike is registered in your name it's no longer a dealer asset if things go south but since it's in your name why not have it in your home.
 

Baggsy

Well-known member
Site Supporter
I'm paranoid about other people holding onto stuff I've paid for. If the dealership goes under your deposit and the ownership of the bike becomes part of their assets and you'll be way down on the list of people to be paid. If you have a place to store it take it home with a safety and no plates. If the bike is registered in your name it's no longer a dealer asset if things go south but since it's in your name why not have it in your home.
Yeah, I lost a Suzuki repair manual that way. I paid for it, they ordered it in, and called me to pick it up. When I went in to pick it up, they couldn't find it. Very shortly after, they went belly up.
 

800over

Well-known member
I'm paranoid about other people holding onto stuff I've paid for. If the dealership goes under your deposit and the ownership of the bike becomes part of their assets and you'll be way down on the list of people to be paid. If you have a place to store it take it home with a safety and no plates. If the bike is registered in your name it's no longer a dealer asset if things go south but since it's in your name why not have it in your home.
once you have the ownership....this is not a concern. And the ownership should be in your hand the day you buy it.
 

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