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Old 05-11-2019, 03:38 PM   #1
81MC
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Default Motorcycle insurance

Hi CP,
Bought a bike, my insurance company wonít insure (never mind itís substatially less potent than tons of other bikes they DO insure). Anyone have a quick contact that can deal with this thing on a Saturday? Iíd like to get it plated today if at all possible.

Thank you.
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Old 05-11-2019, 05:00 PM   #2
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Go Insurance is who I use - 1999 Kawasaki ZRX 1100

Phone: 780.448.2298 | 866.548.2298 | Fax: 780.481.4650
16830 107 Avenue | Edmonton AB | T5P 4C3
www.goinsurance.ca
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Old 05-12-2019, 08:18 AM   #3
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What does monthly insurance cost for the average street bike, say a 2014 Kawasaki Ninja 300?
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Old 05-12-2019, 08:33 AM   #4
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What does monthly insurance cost for the average street bike, say a 2014 Kawasaki Ninja 300?
Everything except for Harleys are pretty cheap. I'm gonna guess $400 a year
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Old 05-12-2019, 08:42 AM   #5
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I pay $254 a year (just basic liability, not full coverage) for my 1100cc ZRX, which would be in the same class as any of the 1000cc + crotchrockets. I would imagine smaller engine size would be lower risk therefore cheaper. I’m 48 years old with 30+ years riding experience, so obviously that will factor into it.

Also, for anybody that is thinking of getting a bike I say don’t listen to the doubters and do it, but do it smartly. Don’t go buy a 600cc or bigger as your first ride. These things are blindlingly fast and will get you into trouble before you know it. Start small and work up.

Get a copy of the book Twist of the Wrist by Keith Code and study it. It is aimed a bit more towards track riding, but he really explains the fundamental basics of how to corner properly and the dynamics of how to get the most out of you bikes handling which applies to everyday riding just as much.

Last edited by #22; 05-12-2019 at 08:45 AM.
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Old 05-12-2019, 08:58 AM   #6
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I pay $254 a year (just basic liability, not full coverage) for my 1100cc ZRX, which would be in the same class as any of the 1000cc + crotchrockets. I would imagine smaller engine size would be lower risk therefore cheaper. I’m 48 years old with 30+ years riding experience, so obviously that will factor into it.

Also, for anybody that is thinking of getting a bike I say don’t listen to the doubters and do it, but do it smartly. Don’t go buy a 600cc or bigger as your first ride. These things are blindlingly fast and will get you into trouble before you know it. Start small and work up.

Get a copy of the book Twist of the Wrist by Keith Code and study it. It is aimed a bit more towards track riding, but he really explains the fundamental basics of how to corner properly and the dynamics of how to get the most out of you bikes handling which applies to everyday riding just as much.
Agreed. If you have experiance riding something else like dirt bikes sure start with a 600 but you can still have a lot of fun with a Honda CBR 250 or 300
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Old 05-12-2019, 09:42 AM   #7
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I pay $254 a year (just basic liability, not full coverage) for my 1100cc ZRX, which would be in the same class as any of the 1000cc + crotchrockets. I would imagine smaller engine size would be lower risk therefore cheaper. Iím 48 years old with 30+ years riding experience, so obviously that will factor into it.

Also, for anybody that is thinking of getting a bike I say donít listen to the doubters and do it, but do it smartly. Donít go buy a 600cc or bigger as your first ride. These things are blindlingly fast and will get you into trouble before you know it. Start small and work up.

Get a copy of the book Twist of the Wrist by Keith Code and study it. It is aimed a bit more towards track riding, but he really explains the fundamental basics of how to corner properly and the dynamics of how to get the most out of you bikes handling which applies to everyday riding just as much.
I think cc's aren't as important as type of bike for new riders. There is quite a difference between a BMW 800 adventure touring vs a VFR 800 for instance.

After moving back to Ontario I had to sell my Vfr. Insurance is crazy here compared to Alberta. I'm 41 with many many years of experience and was paying over 1100 on a 2014 Vfr 800.
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Old 05-12-2019, 11:28 AM   #8
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Ps, this should be a general motorcycle thread, I don’t think CP has one.
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Old 05-12-2019, 11:47 AM   #9
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Ps, this should be a general motorcycle thread, I donít think CP has one.
There sort of was.
https://forum.calgarypuck.com/showth...=89614&page=11
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Old 05-12-2019, 12:18 PM   #10
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Hi CP,
Bought a bike, my insurance company wonít insure (never mind itís substatially less potent than tons of other bikes they DO insure). Anyone have a quick contact that can deal with this thing on a Saturday? Iíd like to get it plated today if at all possible.

Thank you.
What kind of bike is it that they wonít insure?
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Old 05-13-2019, 09:09 AM   #11
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I pay $254 a year (just basic liability, not full coverage) for my 1100cc ZRX, which would be in the same class as any of the 1000cc + crotchrockets. I would imagine smaller engine size would be lower risk therefore cheaper. Iím 48 years old with 30+ years riding experience, so obviously that will factor into it.
I am plating my 04 GSXR 600 this week and it is going to cost me $202.66 per month. Full coverage but we don't have liability only as an option. SK has gone nuts on bike insurance in the last few years.

You have to stay under 400cc to not have to sell a kidney to ride.

I'm also 48 with 30 yrs under my belt. I have had a clean record for 7 years but the point system is really hard to get to full discounts do I'm only at 6%. Ugh.
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Old 05-13-2019, 11:17 AM   #12
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What kind of bike is it that they wonít insure?
Just a small displacement Suzuki.
I did get a quote with full coverage, collision, gear coverage etc for 432, which sounds plenty reasonable to me.
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Old 05-13-2019, 03:56 PM   #13
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Also, for anybody that is thinking of getting a bike I say don’t listen to the doubters and do it, but do it smartly. Don’t go buy a 600cc or bigger as your first ride. These things are blindlingly fast and will get you into trouble before you know it. Start small and work up.
I'm middle aged and have never even ridden a bike let alone know anything about them or own one, but I'd really like to try.

What would you guys recommend if I wanted to try it out? Some motorcycle school like http://www.toocoolmotorcycleschool.com/ ?

Edit: oops, missed the general motorcycle thread... although the last post in it is 7 years old.
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Old 05-13-2019, 04:04 PM   #14
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I'm middle aged and have never even ridden a bike let alone know anything about them or own one, but I'd really like to try.

What would you guys recommend if I wanted to try it out? Some motorcycle school like http://www.toocoolmotorcycleschool.com/ ?

Edit: oops, missed the general motorcycle thread... although the last post in it is 7 years old.
I went to Too Cool when I got my license a couple years ago. Outstanding course. I highly recommend them. They will teach you from knowing nothing to being able to go out on a street ride with the rest of the class, but the main skill development is in a parking lot at McMahon stadium. Very safety oriented. It will prep you well for taking the licensing road test if you want to.
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Old 05-13-2019, 07:16 PM   #15
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Too Cool or SAIT is the way to go, I did Too Cool 10 years ago and loved it. SAIT also has a great program, guys I work with have used them and only had positives to say.

Those would be the only 2 I would consider.
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Old 05-14-2019, 01:54 AM   #16
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I pay $254 a year (just basic liability, not full coverage) for my 1100cc ZRX, which would be in the same class as any of the 1000cc + crotchrockets. I would imagine smaller engine size would be lower risk therefore cheaper. Iím 48 years old with 30+ years riding experience, so obviously that will factor into it.

Also, for anybody that is thinking of getting a bike I say donít listen to the doubters and do it, but do it smartly. Donít go buy a 600cc or bigger as your first ride. These things are blindlingly fast and will get you into trouble before you know it. Start small and work up.

Get a copy of the book Twist of the Wrist by Keith Code and study it. It is aimed a bit more towards track riding, but he really explains the fundamental basics of how to corner properly and the dynamics of how to get the most out of you bikes handling which applies to everyday riding just as much.
I would disagree with the blanket statement of not buying over 600cc for your first bike. It depends on what kind of bike and all that. My first bike (after I took the course and was licensed) was 800cc, but it was a cruiser. It was fantastic and not too much bike for sure. If that had been the 650cc version of that particular model I think that in two weeks I would have already regretted it.

My current bike is only 650cc but itís more carbon fibre as opposed to steel, and as a result the pure size of the engine isnít as relevant. It has way more pickup than my 800cc, but itís a different style.

Anyway, I agree that people debating a motorcycle should get one. I often hop on and feel like itís the best purchase Iíve made!
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