+1 for no collision (or comp)
Worth it to move up in cc?
- Thread starter RJ East
- Start date
Jay Alexander
Well-known member
Only reason I have collision on my bikes, is cause it costs about $30/year. Comp at $100 deductible costs me about the same.
Relax
Well-known member
No collision coverage is a self-imposed deterrent to not do anything (too) stupid on the street.
But I'll always get comprehensive for peace of mind. Everyone I know has had a bike stolen. I'll leave mine parked anywhere without worrying if it's still there when I get back. And all of my bikes were purchased well below FMV, so if it's gone, I make money. On the flip side, I've never had to make a comp claim in 36 years. So I guess it works?
Yep fair point re: yolo. I'm going to put some more miles on the CB before jumping into an sv650 though. A little more time might make the decision clearer.
Bike cost is less of a pill for me to swallow. It's the insurance that bothers me more...although that's something I'll likely have to reconcile with. (A $7K sv650 that costs 2k a year to insure drives me crazy. I know that it's not the bike value that insurance is for, but still)
Like you mentioned though - calling around is the way to go. Maybe I'll be surprised!
try TD insurance, was pleasantly surprised by them this year for the bike.
car/home isn't nearly as good tho.
TD has been the best rate for me for the past 4 yrs.
Their online quoting tool is very accurate. Gives you the ability to plug in which ever bike you want and comes back with a quote. Accuracy is within a few dollars compared to you calling in.
Jay Alexander
Well-known member
TD has been much cheaper than every other company I quote with. Only cooperators come remotely close to them in my scenario.
guzzirider
Well-known member
In 40 years time you will regret selling the CBR300 because the beast you are riding is just too big.
One of my all time favourite motorcycles was my GW250 Suzuki (made in China).
I put on 19000km touring and often at 8000+ rpm.
3 trips of over 5000km
If your idea of touring is riding the 401 Toronto to Montreal then you need a bigger bike.
One of my all time favourite motorcycles was my GW250 Suzuki (made in China).
I put on 19000km touring and often at 8000+ rpm.
3 trips of over 5000km
If your idea of touring is riding the 401 Toronto to Montreal then you need a bigger bike.
Everyone's different.
I only regret selling one bike I've ever owned and that was because we had to liquidate everything to travel full-time, and it wasn't a small bike.
Personally, I like all bikes. Big, small, red, orange, blue, heavy, light, whatever.
I like motorcycles.
I regretted not keeping my 250 for another year, when I learned.
It forced me to shift constantly, which started giving me an ear and a feel for the engine, and was good training for the future.
The bike that followed could be left in second gear, and as long as you could move off, it would go well over 100 kph in second.
It forced me to shift constantly, which started giving me an ear and a feel for the engine, and was good training for the future.
The bike that followed could be left in second gear, and as long as you could move off, it would go well over 100 kph in second.
Mad Mike
Well-known member
I have never been afraid of small cc bikes - I still have 5 - 50 to 250cc.
I’ve traversed Ontario on 250cc bikes, thousands of miles with no need for more.
Many of us are searching for the perfect bike. The all rounder that is easy to move around the garage, jump on anytime and go any where. Those smaller bikes are perfect for 95% of that. If you need to get across the GTA or travel somewhere, a cage is probably better suited to wear the clothes you want, don’t care about the weather and listen to the radio, podcast of your choice.
Bigger machines can do other things but, they can be problematic at the same time. You can get into trouble very easy and less forgiving when being careless.
If you are on a budget and wrestling with insurance costs, the time and patience of selling the old bike and buying another or owning 2 and all the rest, maybe ask if what you are looking for is already in front of you.
I know plenty of seasoned riders that enjoy a vino or Vespa as much as their larger machines.
Don’t let the size of the bike and others riding something larger influence you.
Do it because you want to, you can afford it and you’ll enjoy it.
Bigger machines can do other things but, they can be problematic at the same time. You can get into trouble very easy and less forgiving when being careless.
If you are on a budget and wrestling with insurance costs, the time and patience of selling the old bike and buying another or owning 2 and all the rest, maybe ask if what you are looking for is already in front of you.
I know plenty of seasoned riders that enjoy a vino or Vespa as much as their larger machines.
Don’t let the size of the bike and others riding something larger influence you.
Do it because you want to, you can afford it and you’ll enjoy it.
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Relax
Well-known member
OP's concern based on the first post was about highway manners. Engine RPM could be solved by a sprocket change, but at the cost of acceleration. And on a small-CC bike, that's not immaterial. Not much that can be done about passing power, though. Same reason I eventually sold my first bike, the DT200.
That is the typical rational and it’s valid.
Really enjoyed my Ninja 500. Dated looks but, good all rounder.
Yes! Finished last season with the CB300. I bought a 2022 sv650 in November. The 300 ticked all the boxes, but the SV talked to the spirit. I find it better at slow speeds, also smoother at faster speeds. I'm happy I made the move. Insurance is about 130 from riders plus.
