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New to GTA

Baggsy

Well-known member
Site Supporter
A bike exit course won't do anything for insurance -- all you'll get is beginner rates.

If you find a competent agent, they can get you credit for foreign riding experience as long as it's from an exchange country and you have proof of continuous licence and insurance. Unfortunately not many have the experienced and/or unwillingness to work on behalf of and experienced rider that is new to Canada.
It sometimes will, for someone who hasn't taken the M1X course.
 

Mad Mike

Well-known member
It sometimes will, for someone who hasn't taken the M1X course.
I meant specifically to OP, if he/she has more than 2 years M experience, going back to do the M exit course will have not impact insurance.

For brand new riders it's a great way to save on insurance.
 

iass.oh

Member
Hey guys, so went back to Service Ontario. The rollercoaster keeps on running.

So it turns out what the previously told me is wrong.

I need to do M1 + M2 + M but without the 2 years wait between M2 and M.

So I booked an M2 class to get the insurance "discount" and will probably take the M test on my own if it doesn't change anything on insurance rates to pass it through a course.
 

Evoex

The God
Site Supporter
Hey guys, so went back to Service Ontario. The rollercoaster keeps on running.

So it turns out what the previously told me is wrong.

I need to do M1 + M2 + M but without the 2 years wait between M2 and M.

So I booked an M2 class to get the insurance "discount" and will probably take the M test on my own if it doesn't change anything on insurance rates to pass it through a course.
Makes more sense to me, otherwise you`re in a sort of limbo.
 

roadrash

Well-known member
Hey guys, so went back to Service Ontario. The rollercoaster keeps on running.

So it turns out what the previously told me is wrong.

I need to do M1 + M2 + M but without the 2 years wait between M2 and M.

So I booked an M2 class to get the insurance "discount" and will probably take the M test on my own if it doesn't change anything on insurance rates to pass it through a course.
Makes sense to me too. I was given a 1 year credit for G license. All that meant was, I could've taken the G test right after passing the G2 road test, without the one year wait.
 

iass.oh

Member
Hey friends, quick update :)

Passed my M2 successfully and now have to wait mid September (for the 60 days thing) to be able to claim the license upgrade at Service Ontario.

I am a bit hesitant to get a bike that late in the season. Here's my thinking:

On one hand, I could potentially get a better deal as people would be selling their bikes before winter kicks in.

On the other hand, I wouldn't be able to ride it that much and insurance would still need to be paid.

So I was wondering if you needed motorcycle insurance to buy a bike and keep it in storage for winter? (i.e. not ride it)
 

Iceman

Well-known member
Buy now. The prices will be stupid high in the spring. You can just store it for the winter and put it on the road in the spring.
Insurance is only legally required if it's on the road, not in storage.
Sent from my SM-A530W using Tapatalk
 

GreyGhost

Well-known member
Site Supporter
Hey friends, quick update :)

Passed my M2 successfully and now have to wait mid September (for the 60 days thing) to be able to claim the license upgrade at Service Ontario.

I am a bit hesitant to get a bike that late in the season. Here's my thinking:

On one hand, I could potentially get a better deal as people would be selling their bikes before winter kicks in.

On the other hand, I wouldn't be able to ride it that much and insurance would still need to be paid.

So I was wondering if you needed motorcycle insurance to buy a bike and keep it in storage for winter? (i.e. not ride it)
I would buy now. Search the insurance forum for the insurance percentages by month. IIRC November to April is something like 10% of the yearly premium. That starts building your insurance history and let's you get out and enjoy the beautiful weather we sometimes get.
 

wolfpack27616

Well-known member
Hey friends, quick update :)

Passed my M2 successfully and now have to wait mid September (for the 60 days thing) to be able to claim the license upgrade at Service Ontario.

I am a bit hesitant to get a bike that late in the season. Here's my thinking:

On one hand, I could potentially get a better deal as people would be selling their bikes before winter kicks in.

On the other hand, I wouldn't be able to ride it that much and insurance would still need to be paid.

So I was wondering if you needed motorcycle insurance to buy a bike and keep it in storage for winter? (i.e. not ride it)
Check with your insurance for a quote with M1 Pius safety course, and what would be the rates after 60 days when you get the M2. In my case, there was not a huge difference. So you might actually be able to buy a motorcycle now rather than wait till Spring if this is the only factor.
 

wolfpack27616

Well-known member
I would buy now. Search the insurance forum for the insurance percentages by month. IIRC November to April is something like 10% of the yearly premium. That starts building your insurance history and let's you get out and enjoy the beautiful weather we sometimes get.
My insurance provider calculates the annual rate and charges me equal monthly payments. (Even though the weightage is skewed over summer months, I pay it in monthly instalments. So no difference if i had bought my bike in winter or summer.
 

iass.oh

Member
I would buy now. Search the insurance forum for the insurance percentages by month. IIRC November to April is something like 10% of the yearly premium. That starts building your insurance history and let's you get out and enjoy the beautiful weather we sometimes get.
Yeah I'm going to look at bikes now. For second-hand bikes, would you rather buy from an individual or from a "good/trustworthy" garage ?

Regarding insurance, I'll check with brokers if they can do it this way or if it is equal monthly payments. Depending on the rates, I might insure it just to start building insurance history.
 

Evoex

The God
Site Supporter
Yeah I'm going to look at bikes now. For second-hand bikes, would you rather buy from an individual or from a "good/trustworthy" garage ?

Regarding insurance, I'll check with brokers if they can do it this way or if it is equal monthly payments. Depending on the rates, I might insure it just to start building insurance history.
Depends on what you`re buying and the intended use.
 

GreyGhost

Well-known member
Site Supporter
Yeah I'm going to look at bikes now. For second-hand bikes, would you rather buy from an individual or from a "good/trustworthy" garage ?

Regarding insurance, I'll check with brokers if they can do it this way or if it is equal monthly payments. Depending on the rates, I might insure it just to start building insurance history.
Even if you are paying in equal monthly payments, you are not using up the premium in equal monthly chunks. People that try insuring just for the summer get a nasty surprise when they cancel and get a huge bill as they have used up 70% of the premium and only paid 40%.
 

iass.oh

Member
Depends on what you`re buying and the intended use.
I used to own a roadster in France but I didn't like it having all the wind in your face as soon as you have a bit of speed.
Here the main use will be to go for a ride on weekends so depending on quotes, I was looking at an FZ6R or similar.
Maybe smaller if insurance is tearing me a new one :)

Even if you are paying in equal monthly payments, you are not using up the premium in equal monthly chunks. People that try insuring just for the summer get a nasty surprise when they cancel and get a huge bill as they have used up 70% of the premium and only paid 40%.
Who said anything about cancelling? :)
It's more like, right now, end of season is showing up so I'm not sure it is entirely worth it to start insuring it now (from a cash flow perspective)
 

Evoex

The God
Site Supporter
I used to own a roadster in France but I didn't like it having all the wind in your face as soon as you have a bit of speed.
Here the main use will be to go for a ride on weekends so depending on quotes, I was looking at an FZ6R or similar.
Maybe smaller if insurance is tearing me a new one :)
I would suggest an r3/ninja 300 or 400 if you`re brand new here. Insurance will likely be 30%-50% cheaper then a 600ccish bike. That way you can afford to insure it even at the end of the season and start building that insurance history.
 

iass.oh

Member
I would suggest an r3/ninja 300 or 400 if you`re brand new here. Insurance will likely be 30%-50% cheaper then a 600ccish bike. That way you can afford to insure it even at the end of the season and start building that insurance history.
Thanks for the advice man. So frustrating to have to go back to smaller bikes ^^

So the cutoff for insurers is at 600cc here ?
 

Evoex

The God
Site Supporter
Thanks for the advice man. So frustrating to have to go back to smaller bikes ^^

So the cutoff for insurers is at 600cc here ?
Not that cut and dry but the 300cc class is very wallet friendly. Plus the bonus is you'll likely sell that bike for almost what you paid for it.
 

iass.oh

Member
Alrighty, got the M2 upgraded today thanks to one more trip to Service Ontario 🙂

Given the context here, I was thinking of booking the M2X test directly rather than going through a course.

Does that change much for insurers? (Price wise)

(tl;dr for those who don't want to read the whole thread : newcomer with past riding experience in France so was allowed to M1-M2-M without waiting 18 months. Took the M1X course with RTI. Now wondering about M2X)
 

iass.oh

Member
Better hurry to get the M2X road test booked, I think they only do them for another few weeks before they shut them down for the winter.
Should have looked way earlier. I looked all DriveTest Centre locations and the closest I could find is St Catharines.
Rest is in Thunder Bay area. Might turn this into an adventure haha

On another note, could you guys recommend some trustworthy previously-owned motorcycle garages in GTA ?
 

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