Bike insurance increases.

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  • 19 Apr 2019 12:49 PM
    Reply # 7294542 on 7258917
    Ian (Administrator)

    Paul, when I was with Aviva 2 years ago they raised my rates on the GT 750 to $650.Do you have the vintage Plan with them.

    Until then the GT was $470 a year for regular everyday use.

  • 20 Apr 2019 4:16 PM
    Reply # 7296050 on 7258917

    I remember going through all this last year and was not totally convinced I was getting correct coverage.  It seams that everyone that has responding to this blog is from Ontario. I would like to hear from other members in other proviences. I was taliking to a friend in NB and his rates are about half of what I pay in Ontario.

  • 02 May 2019 11:17 PM
    Reply # 7317720 on 7258917
    Ian (Administrator)

    Yesterday I received my renewal from Dalton/Echelon as I opened the letter I feared the worst. then surprise my rates actually went down this year.

    I'm good to go for another year.





  • 03 May 2019 6:18 AM
    Reply # 7317995 on 7258917

    Has anyone any information on costs for vintage motorcycle insurance IN ONTARIO as it relates to the age of the rider? If this can be correlated is there an age discrimination lawsuit possible?

    Is there information available on vintage insurance claims? It seems likely to me that there are very few claims made in Ontario given the short season and the few kilometres we put on these old lumps. After decades of premiums paid I have never claimed one penny from any insurance company.


  • 07 May 2019 2:33 PM
    Reply # 7327875 on 7258917

    Nice to know that I am in the same boat as everyone else and not just a single victim of Ontario's motorcycle insurance usury.  For the past decade or more, I have insured my bikes through first Dalton Timmis and, for the past 6 or 7 years, with Zehrs, the carrier being initially Primmum and, more recently, Aviva.  I have one bike on liability coverage only and 2 with full vintage coverage.  Last year, my premium went up 29.4% with added limitations on use, e.g. only for CVMG sanctioned events, parades, and other public events, no test rides, no use out of province, etc.; and, in spite of several attempts, could never get an answer from Zehrs as to what actually constitutes a "CVMG sanctioned event".  Currently, I am following Ross Thompson's advice and dealing with Wawnesa through Mitchell and Whale Brokers.  Their verbally quoted rate for the same coverage I have had for the last 11 months (no renewal received yet) with Aviva through Zehrs is 31.5% higher that Aviva was for 2018-2019, but no limits on mileage and the only limitations on use for the 2 vintage bikes are taking them to work or for shopping, neither of which is of any importance to me.  On top of this, they offer a 40% discount if I insure a family vehicle with them in addition to the bikes.  This would mean that my premium for the bike coverage for 2019-2020 would be 20.6% less than I paid with Aviva for 2018-2019.  In addition, they will accept my appraisals on the vintage bikes provided they are no more than a year old.  Seems to me like the perfect definition of a No Brainer.  Once I have all this confirmed in writing I shall confirm it with a follow-up post. 

  • 08 May 2019 2:42 PM
    Reply # 7330027 on 7258917

    Perhaps it might benefit everyone to petition the government to end no fault insurance.  As previously stated, it has entitled the insurance companies to commit legal highway robbery.  There is no earthly reason that experienced, responsible drivers/riders should pay for the sins of others.  Just my two cents.

  • 18 May 2019 10:08 PM
    Reply # 7349178 on 7258917

    Many thanks to everyone voicing their concern to demand change. An increase per annum relative to the cost of living would be reasonable. I get paying for a whole year to maintain continuity year after year, but ONLY relative to how little we get out to ride at most half the year in Ontario and park for the other half. Enough is enough! Only because I want to ride safely and not be a liability to myself or others on the road do I tolerate this nonsense. 30% increase for me in one year is ridiculous. Sign me up for the petition, thanks Smitty

  • 19 May 2019 9:21 PM
    Reply # 7350851 on 7258917

    The irony of all this when I went through all this with Zehrs and Avia last year was that I could only ride in CVMG sanction events and I could ride to these events. I asked about driving from Ontario to an event in BC and they gave it to me in writing that I could. But I can't ride two blocks to Tim Hortons on a Sunday morning to have coffee with my buddies. I was also sent an initation by Zehrs to attend their Vintage vehicle show and shine in New Hamburg. I ask if my insurance would cover me and they said I guess not because it was not a CVMG event. I told them to KMA and canceled my insurance with them.

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