Wow, Melody! That's some great info. Just wanted to add a few tidbits from an insurance broker perspective. The first is, Jeff is totally right that your age is not as important as how long you've been riding. If you start riding when you're 50, you'll be paying quite a lot for your insurance. Also, the one factor you didn't mention when talking about what the insurance company will ask you is where you live. Your postal code makes a big difference in how much you pay, based on crash statistics from that area. In terms of rider training, remember that most insurers in Ontario will only give you a rider training discount if the course is recognized by the Ministry of Transportation (MTO). Finally, just wanted to clarify that the age of your bike (more specifically its value) would mostly affect your collision and comprehensive premium. If you opt for basic coverage, it's not the value of the bike, but the prior accident experience of similar bikes that makes the biggest difference in how much you pay. And yes, higher CCs is typically more expensive. Thanks, great vid, subbed!
Hi! Thank you so much for your expert feedback and for watching my video :). I found insurance is such a hard topic to discuss because there are so many factors involved. Thank you for all the extra information I didn't consider and I will keep this in mind when I do another video about insurance in the future. Always good to be in the know about the most accurate and up-to date information! Thank you again!
@@MelodyCamposMotorcycleLife Always happy to share info with fellow motorcycle lovers. We've subscribed, so hope it's OK if we chime in from time to time. We also sometimes answer questions we get about motorcycle insurance in our "Ask Adam" RUclips videos.Thanks
@@mitchinsurance2506 Yes! Please do chime in at anytime as I do my best to provide truthful information. :) Thank you so much for subscribing to my channel!
@@paultaylorduke In Ontario there is really only one option. we tried to make it easy here mitchellwhale.com/blog/motorcycle-insurance-ontario-m1-licence/
Thank you so much for the vid! I’ve been wanting to buy a motorcycle and finally found someone who can give me a walk through on all the things I need to know to own a bike in the 6ix. Im 22 and never ridden or owned a bike. Insurance quoted me $6000 for the year. 🤕. It’s almost the same cost as a brand new ninja 650 in planning to buy.
unfortunately, if you're not 25 + with an M, and 4 years of riding experience, most insurance companies in Canada will turn down 600cc+ bikes or if they do, they'll quote you $1000 a month. Im 21 ride a yamaha R3, and have insurance paying 220 a month.
Jacob M thank you for the insight! I’ll definitely look into getting a smaller bike for the time being. May I ask which insurance company you found the best rate with? Thanks
@@sevaj001 Rider's plus insurance is great for people who have not had motorcycle insurance before. As of right now, the cell lines take 30+ minutes to contact an operator so call early in the morning for the least wait time. you should be fine with a 500cc or less bike but just get quotes for the bikes you're interested in
H! Thank you very much for watching my video and for the kind comment! :) To echo Jacob's response, it is true that insurance will be pretty high for an individual on either an M1 or M2 and for a 650cc. My advice would be to obtain your M2, then buy a 300-350cc bike and then upgrade to a 650cc when you have your full M and more riding experience on your record. The insurance company I am currently with is NFP (was this the company you called?) and here is the website with the phone number for you to call for a motorcycle quote just in case. link: www.daltontimmis.com/ Hope this helps! :)
Yeah if you want to not get killed with insurance prices. Stay away from the super sports bike category. If you want a sports bike 500cc and under is great. Also what might same some $$ on insurance is if your currently insured with other vehicles already and you add a motorcycle to your current policy they you should be able to get a discount just for having multiple vehicles insured under the same policy. Power Sports Honda on Hensal ( Dundas and Cawthra ) area has multiple brands of bikes for sale used. Great selection if you want to stroll in and wonder around and look at various options.
Hey! Thank you so much for the comment and I completely agree. Supersport bikes will be insanely pricey, but yes anything under 500cc will be a lot more reasonable on insurance. I think that is great that you can get a bit of a discount if you have multiple vehicles under one insurance and I think a lot of people forget this so this is definitely key to bring up. Thank you for letting me know about Power Sports as well as it is great to get recommendations on good dealerships in the area. :)
hope i can help people with insuring there bikes, from my experience. i got my m1 when i was 18 in brampton, ontario ( highest price for insurance). m2 2 months later. i always wanted to ride a supersport bike but insurance would be way to high. so i got a 2008 gs500f and got quoted $240/month or $2880/ year. 2 year later i decided to finally move up to a supersport bike. before i bought the bike i got an insurance quote from the insurance company and the price didn't change it was $240/ month. so i went and bought a gsxr-750. loved the bike. 3 years after i got my m2 i went and did my M test at drive test in brampton. now that i had experience and my M i switched insurance companies. the price drop was amazing. i paid $53/month for my Gsxr-750. so just trying to say is get your m1 and m2. Get a smaller bike and ride until you gain experience. alot of people who want to get there motorcycle licence ask me advice on the steps to getting cheaper insurance. i just tell them you need to gain experience and your price of motorcycle insurance will go down.
Good video, the high insurance cost here in Ontario is result of bad licensing system! New M1 or M2 riders with no experience can drive any big size bike! Some European countries, they only allow new riders to ride certain size bike for certain number of years before moving to bigger bike, to gain experience and be safe. This way our insurance won’t go crazy high .
Thank you for watching my video and for the kind comment! That is a really good point and I think that would be a better system to implement because it is pretty scary to see someone jump on a 1000cc bike when they only have their M1.
Hi Melody, just a quick question. If I only have liability insurance for my bike, what can I do to reduce costs in the winter? Could I cancel my policy during the colder months? I'm paying $6000 a year at age 18 so it would really help to save some money. Thanks.
Hi! Wow that's a lot of money haha. But I'm sure it is worth it and your definitely being charged a premium because of your age. I would honestly say yes to cancelling the insurance in the colder months BUT onlyyy if you have somewhere safe to store your bike. Cause that would hurt if it was stolen forsure
@@MelodyCamposMotorcycleLife So say I were to cancel during the 5 cold months of the year. Would I save my monthly premium ($500) every month for 5 months equating to $2500, or would I only save a fraction of my yearly premium (because I heard that insurance is divided so that I am not charged as much in the winter as in the summer)? Thanks!
@@jasonp.9148 I dunno if you got ur motorcycle or yet but I heard in Ontario they charge 90% of the premium in during the riding month so you aren’t going to save money cancelling in the winter
In Ontario an insurance company is required to provide you with an insurance quote, reason for this is because by law in the province of Ontario insurance is mandatory. They may try to tell you they cannot give you a quote because the rider only has his/her M1. The insurance company may have underwriting guidelines which makes you ineligible for their book of business, however, this does not mean you cannot get a quote, by law they MUST provide you with a quote. It is called facility insurance which is last resort insurance for those who are not eligible with the provider you have contacted. Experience is a big factory, the cc's of a bike and the classification of the bike. Whether it is a sport bike, Supersport bike or a cruiser. You mentioned the Harley, now a days many insurance companies have an extra charge on Harleys, even though it is a cruiser. Shop around, check with your current provider if you have an auto policy already in force with them as they may have a discount associated with you newly acquired bike. These are just some examples as you mentioned it is a dry and often misunderstood topic which is not easily understood or clearly explained!
Yes, motorcycle insurance is a bit hard to explain at times but thank you for adding in this comment! I didn't know that Harley's are charged a bit extra as well. Great to know and thank you for sharing!
I pay $4k a year for an HD 1200cc Sportster. 26 years old with an M licence and 9 years of riding experience. A Toronto postal code is a big negative when it comes to insurance lol :(
Great vid. My 48-yo friend just spent $7500 on her 2022 Kawasaki KX112 to ride trails. A month later the ENTIRE Ontario insurance industry banned insuring ALL bikes under 150cc. It's de facto gender discrimination, as thousands of female riders are being told "We don't want your business, woman".
Hey! Aw thank you so much for the kind comment and happy to provide as much information as possible :) I think that is a great idea to do a video on different riding schools offered in Toronto and my personal experience with Motorsoul. I will do my best to put together all the info required and release a video on this topic soon! :)
Insurance for motorcycle in Toronto, Ontario has gotten worst and worst over the years especially for supersports bike. Age does not play as big of a factor as your years of riding. For example, someone who got their M2 in their early 20s and has been riding for >3 years will pay less than someone in their 30s and riding $5K/yr or not insure you at all. As commonly mentioned, during your M2 license, ride a bike you only plan on keeping until you have your full M license. Once you have your M license and have been insured continuously for at least two straight years, you will then see a slight reduction in insurance rate on year 3 and so forth. But then again, assuming you're going to buy a faster and more powerful bike, insurance rate will go up yet again.
Hi Jeff! You're definitely right that for supersports bikes the insurance will be crazy high and if you only hold an M2 its best not to even consider a supersports bike and just much better to wait to hold the full M and for about 2 years seems good. These are really good points forsure and thank you for mentioning this. I may upgrade to an R6 next year after I get my M and I am very curious to see if my insurance will be roughly the same or higher/lower. I look forward to continuing to try and tackle this subject and helping others try to find some good deals. Thank you again for the comment Jeff! :)
FFS it's crazy. In my country: You go to your bank web-account, then you enter plate number and vehicle document number, they have all the data needed on you in global (cars+motos) data base. I pay 30 - 40 euros for 9 months (In my case it's Horner600 and CRF250L, Hornet for some reason cheaper=) ) and I can go riding...
That sounds like it is way better organized in your country and that's a great price to pay too! North America is so expensive when it comes to insurance coverage lol. Have a great riding season and stay safe from Covid! :)
I live in Montreal Quebec, I'm currently 17yo and am planning to get my license at 18yo for Yamaha R3 (6B license for SAAQ). Any chance there's someone who is about my age, is a new or recent rider who does live in the province of Quebec and would know the average insurance cost for someone my age who doesn't have any other license and is starting to ride for the first time. Just looking to see what the average cost is to prepare myself or to know more about the prices and understand more about the costs for when I do get my motorcycle.
Hi Thomas, sorry for the delayed response and great question! I also love the fact that you are planning in advance like I did :) So because insurance companies work on a case by case basis with every individual the best advice I can offer is to have a conversation with an insurance broker directly and they can offer a personalized quote for you without any affect on your record. The reason is because, there are the following factors at play for you: -You have not had a license before (which is good since you have no negative driving/riding history) -The area/ address you live in is a huge factor when it comes to insurance. ie) if there are many accidents where you live they automatically jack up the price. -Tell them you are looking to insure a Yamaha R3 as your first bike and tell them if it will be new or used. **new is better since they will already know that there is no risk in insuring a new bike. And it is great that you are looking to insure a lower cc engine of the R3. -Your age will be the only item in my opinion that will make insurance a bit pricey for you but the only way to know is to ask directly. This is the insurance broker that I am with right now and you can give them a call: www.daltontimmis.com/ Call: 888-385-8466
@@MelodyCamposMotorcycleLife Thank you for taking the time to respond. It means a lot. Although i know there isn't really a direct answer u could of given me, u actually answered more than I expected u too. Knowing that I'll only be getting the bike by April 2021 and that's when I'll make sure to follow ur advice and even try to contact the insurer u are using, thanks to u I understand why no one can really give me a simple and honest answer to what I personally thought was a simple question. Turns out the answer is a little more complicated than I first thought😅 But hopefully if ever I have questions about anything else, you'll be able to answer them too😁 Again, thank you for uour time and your help, it's greatly appreciated and who knows, maybe we'll get to meet and ride together one day🤷♂️😂 take care and like my uncle says, "never ride faster than your guardian angel can fly"🙏
@@thomasdaras1421 Aww anytime and happy to help in anyway! I really like that quote too and it is very true. Trust your instincts but don't go too fast haha. With insurance it is truly so much more complicated and personalized than we all realize and I am really glad you also understand that too. And yes, if you have any questions along the way to your 2021 bike journey then please feel free to ask :)
Hi Jay! Here in Canada you are required to have insurance all year round, even though half the year is covered in snow sadly, but the best thing to do is to call your insurance and ask them to only cover "theft and fire" in the winter months so you are not paying as much. :) Thank you for watching my video and I hope this information helps! :)
@@Estatebyjay You are not legally required to have coverage all year round but if your scared your bike may get stolen it is a very good idea to do so. :)
Hi! It will be a good idea to tell them when you do your M1 test because it may help. Sorry I'm not %100 but they may take it into consideration. However, just know that in Canada there are so many factors that they look at and you may be paying more for insurance here than you did in Colombia. Welcome to Canada soon!
Hi Rohan, great question! No, the law does not require that the pillion rider have insurance, and each insurance will be different in terms of if pillion cover will be included in your quote. Therefore it will be best to ask them directly if it is included. Sometimes your insurance will only cover you and your bike and not an additional person therefore, you can also ask your insurance company to cover your passenger on a guaranteed basis and if there is an additional cost to do this and if you are looking to ride together very often. Here is a link for a few additional tips on riding with a passenger in Ontario: www.ontario.ca/document/official-ministry-transportation-mto-motorcycle-handbook/carrying-passengers
Great vid ! I am planning to buy a Duke 390 and it is sub 500 . So I hope I won't have to pay huge amounts of money for insurance and stuff. Any idea how much it would cost and suggestions for insurance companies?. Cheerio! :D
Hey Shaun! Thank you for watching my video and that is so exciting that you are getting a bike soon! For insurance, because they look at your age, your address and a lot of other personal details to come up with the quote I can’t quite give you an idea of how much you will need to pay. And for insurance in Toronto I am with NFP Insurance (but they only insure bikes when you have your M2 or M. And I have heard that Desjardins is a good motorcycle insurance company :) hope this helps!
@@MelodyCamposMotorcycleLife I was overwhelmed with all the info I found but guess this is a step in the right direction! To more miles and wrenching! Stay rad
Hi! I pay $177 per month and the insurance company I am with is "NFP". Here is the link below www.daltontimmis.com/personal-insurance/motorcycle-insurance/
Hey I coming to Canada this sep and love to ride bikes so is it worth it to own a bike over a car in Canada currently I own a hayabusa and after shifting to Canada I still want to go with hayabusa how much insurance I have to pay for hayabusa in Canada approximately plzz do let me know??
Hey Rohit! Thank you for watching my video and for the question! That is great that you will be in Canada soon as well :) very exciting! Answer to Question 1: In Canada, there is typically snow within 6 months of the year and we only have summer and nice riding weather from May, June, July, August & September. Therefore, most Canadians will own both a car AND a motorcycle. It can be expensive to do this but if you are able to it-it is a great option because it is usually not possible to ride a motorcycle all year. Answer for Question 2: It is difficult to know how much you will be required to pay for a hayabusa (awesome choiceof bike!) and the reason is because the insurance price depends on personal factors like: age, riding experience, license, male/female, address..etc AND also keep in mind that they (insurance company) will see that a hayabusa is a "Supersport" which can increase the price of insurance because of the high speeds the bike can go. I hope this information can help with your preparations and best of luck with your journey to Canada! :) stay safe and healthy!
I like your videos information you give and mostly the smile its just something one in million. What bike you have? I am a biker too and joined a group in Mississauga. I ride Honda Shadow spirit 2007. Will love to talk to you.
hi melody! I am an International student and have almost 4 years of bike riding experience ( from my home country)... so do i still have to follow these same steps to obtain my bike licence or is there a different approach cause I have that much experience? I am 21 and living in London, ON. Btw great vlogs ❤️
Hi Zubair, thank you for watching my videos and for the kind comment! Yes, even with all your riding experience and knowledge you will need to follow these steps as you are in a new country and here in Canada the steps are also different in each of the provinces. Hope you are able to get a good quote!
You can get accelerated M Class directly after M1... you would definitely NEED the original driver's license and driver extract from your give country. Unfortunately there is no workaround the extract part.
ok here is my take. anything below 500 is not worth having in this region canada and USA. however perfectly fine forSouth East Asian countries where anything goes.in my opinion minimum 600 to 650 cc is a must to safely keep up with traffic without squeezing the life out of the engine. insurance companies simply don't want to insure any motorcycle in Ontario especially larger cc. cruisers they don't care as they are very heavy, lethargic old dated grandpa type rides. they just cruise nd make unnecessary sound without doing anything. go with a sport not Supersport , ride safely and continue building up insurance history. you will be just fine. that sums up everything thankyou very much
Hey! I found it difficult to shop/ call around so I went with a mortgage broker called "NFP" who I was able to meet and talk to their agents at a motorcycle show. They service Ontario too and here is the website link: www.daltontimmis.com/personal-insurance/motorcycle-insurance/
Hi Alex, you are very welcome and happy to help :) Thank you for subscribing and for your comment! If you are now living in Toronto I hope you find this city to be your 2nd home and you enjoy all it has to offer!
@@alexjose5866 I have heard that insurance is much cheaper in India and i seems like you also do not need a helmet when you ride there too. Kitchener is a great city and I think you will really enjoy it here!
I may have commented on another video but do you possibly have any advice for me? I am a 21 M, living in Ottawa ON, I asked around for insurance quotes on the following bikes: Ninja (400), Honda Rebel (300+500), and Honda shadow (750). I asked about insurance for me taking a course and having my M2 learners permit with a clean Auto license for pleasure riding around 5000km a year. I asked TD, Riders plus, all state, Desjardins, and a few others and the lowest quote I had was for around $3500-$4000 my first year on a 2019 Honda Rebel 300.... $333 a month. That is ludicrous. I assumed motorcycling would be expensive but I can’t feasibly add $300 to my budget as well as put aside %15 in the event of accident, new gear etc.. Do you have ANY tips!? I really have a passion for motorcycles and I don’t want to be put off by something like that. Its extremely discouraging :/ Thank you I hope you can find a few minutes in your day and if not no problemo it is an older video after all!
call a broker it saves you so much time. Just based on your age and driving history I think rates on the shadow 750 is going to be a bit high. I wouldn't advise it as you're new to riding but one option that's available is to buy a used ninja 400 or rebel 300 purchase it fully and just see what your premiums are for liability coverage only. Again this is not something I would do personally but its an option if you want to lower your premium. You're first year i think I would set my expectations to paying $1500-2500 for a ninja 400 full coverage on a m2 with no prior motorcycle history. I'm not a broker or anyone related to the insurance industry so I'm just sharing some general figures from what i've heard with people new trying to get into riding. It sucks when you're young and new when trying to get into riding but unfortunately that's just how it is in Ontario.
Ridersplus for mr for the school with a m2 now fir almost 4 years going for my full m this summer and I have a 2013 ninja 300 I pay 196$ a month for full coverage with just a motorcycle being a Male and 21 years old
Hey! thank you for the comment and sorry for the delayed reply. Covid kinda took over my life for a bit :( that's a great price for insurance. I wonder if it may be because of the city you live in as some cities offer lower insurance due to lower motorcycle accidents and if you are paying full coverage?
@@MelodyCamposMotorcycleLife yeah it dose but Hamilton is bad for Accidents and also motorcycle theft but I'm with Curtis and home With Daserdan insurance but in Burlington its like almost a 100$ more but if I was back up north its like 120$ for a supersport out there its crazy
Melody Campos -Motorcycle Life as am I .Did you try Allstate? They have the friendliest motorcycle insurance for newer riders. I’m paying $140 for an R6 full coverage!
@@bwong515 wow!! Great advice.. i might gonna try that coz,i got my m1 getting my m2 soon .. i got approve on my ducati monster 797 2018.. hope they can give me the lowest possible insurance..
Wow, Melody! That's some great info. Just wanted to add a few tidbits from an insurance broker perspective.
The first is, Jeff is totally right that your age is not as important as how long you've been riding. If you start riding when you're 50, you'll be paying quite a lot for your insurance.
Also, the one factor you didn't mention when talking about what the insurance company will ask you is where you live. Your postal code makes a big difference in how much you pay, based on crash statistics from that area. In terms of rider training, remember that most insurers in Ontario will only give you a rider training discount if the course is recognized by the Ministry of Transportation (MTO).
Finally, just wanted to clarify that the age of your bike (more specifically its value) would mostly affect your collision and comprehensive premium. If you opt for basic coverage, it's not the value of the bike, but the prior accident experience of similar bikes that makes the biggest difference in how much you pay.
And yes, higher CCs is typically more expensive.
Thanks, great vid, subbed!
Hi! Thank you so much for your expert feedback and for watching my video :). I found insurance is such a hard topic to discuss because there are so many factors involved. Thank you for all the extra information I didn't consider and I will keep this in mind when I do another video about insurance in the future. Always good to be in the know about the most accurate and up-to date information! Thank you again!
@@MelodyCamposMotorcycleLife Always happy to share info with fellow motorcycle lovers. We've subscribed, so hope it's OK if we chime in from time to time. We also sometimes answer questions we get about motorcycle insurance in our "Ask Adam" RUclips videos.Thanks
@@mitchinsurance2506 Yes! Please do chime in at anytime as I do my best to provide truthful information. :) Thank you so much for subscribing to my channel!
Anyone know of an insurance company in Ontario that will insure an M1 rider? 😬
@@paultaylorduke In Ontario there is really only one option. we tried to make it easy here mitchellwhale.com/blog/motorcycle-insurance-ontario-m1-licence/
Thank you so much for the vid! I’ve been wanting to buy a motorcycle and finally found someone who can give me a walk through on all the things I need to know to own a bike in the 6ix.
Im 22 and never ridden or owned a bike. Insurance quoted me $6000 for the year. 🤕. It’s almost the same cost as a brand new ninja 650 in planning to buy.
unfortunately, if you're not 25 + with an M, and 4 years of riding experience, most insurance companies in Canada will turn down 600cc+ bikes or if they do, they'll quote you $1000 a month. Im 21 ride a yamaha R3, and have insurance paying 220 a month.
Jacob M thank you for the insight! I’ll definitely look into getting a smaller bike for the time being. May I ask which insurance company you found the best rate with? Thanks
@@sevaj001 Rider's plus insurance is great for people who have not had motorcycle insurance before. As of right now, the cell lines take 30+ minutes to contact an operator so call early in the morning for the least wait time. you should be fine with a 500cc or less bike but just get quotes for the bikes you're interested in
H! Thank you very much for watching my video and for the kind comment! :) To echo Jacob's response, it is true that insurance will be pretty high for an individual on either an M1 or M2 and for a 650cc. My advice would be to obtain your M2, then buy a 300-350cc bike and then upgrade to a 650cc when you have your full M and more riding experience on your record.
The insurance company I am currently with is NFP (was this the company you called?) and here is the website with the phone number for you to call for a motorcycle quote just in case. link: www.daltontimmis.com/
Hope this helps! :)
the naked sport bikes are still powerful as well as cheaper on insurance so that could be an alternative route.
Yeah if you want to not get killed with insurance prices. Stay away from the super sports bike category. If you want a sports bike 500cc and under is great. Also what might same some $$ on insurance is if your currently insured with other vehicles already and you add a motorcycle to your current policy they you should be able to get a discount just for having multiple vehicles insured under the same policy.
Power Sports Honda on Hensal ( Dundas and Cawthra ) area has multiple brands of bikes for sale used. Great selection if you want to stroll in and wonder around and look at various options.
Hey! Thank you so much for the comment and I completely agree. Supersport bikes will be insanely pricey, but yes anything under 500cc will be a lot more reasonable on insurance. I think that is great that you can get a bit of a discount if you have multiple vehicles under one insurance and I think a lot of people forget this so this is definitely key to bring up. Thank you for letting me know about Power Sports as well as it is great to get recommendations on good dealerships in the area. :)
hope i can help people with insuring there bikes, from my experience. i got my m1 when i was 18 in brampton, ontario ( highest price for insurance). m2 2 months later. i always wanted to ride a supersport bike but insurance would be way to high. so i got a 2008 gs500f and got quoted $240/month or $2880/ year. 2 year later i decided to finally move up to a supersport bike. before i bought the bike i got an insurance quote from the insurance company and the price didn't change it was $240/ month. so i went and bought a gsxr-750. loved the bike.
3 years after i got my m2 i went and did my M test at drive test in brampton. now that i had experience and my M i switched insurance companies. the price drop was amazing. i paid $53/month for my Gsxr-750. so just trying to say is get your m1 and m2. Get a smaller bike and ride until you gain experience.
alot of people who want to get there motorcycle licence ask me advice on the steps to getting cheaper insurance. i just tell them you need to gain experience and your price of motorcycle insurance will go down.
How do you take your m2 test if you can’t get a bike insured with an m1 and you don’t know anyone with a bike?
Good video, the high insurance cost here in Ontario is result of bad licensing system! New M1 or M2 riders with no experience can drive any big size bike! Some European countries, they only allow new riders to ride certain size bike for certain number of years before moving to bigger bike, to gain experience and be safe. This way our insurance won’t go crazy high .
Thank you for watching my video and for the kind comment! That is a really good point and I think that would be a better system to implement because it is pretty scary to see someone jump on a 1000cc bike when they only have their M1.
Hi Melody, just a quick question. If I only have liability insurance for my bike, what can I do to reduce costs in the winter? Could I cancel my policy during the colder months? I'm paying $6000 a year at age 18 so it would really help to save some money. Thanks.
Hi! Wow that's a lot of money haha. But I'm sure it is worth it and your definitely being charged a premium because of your age. I would honestly say yes to cancelling the insurance in the colder months BUT onlyyy if you have somewhere safe to store your bike. Cause that would hurt if it was stolen forsure
@@MelodyCamposMotorcycleLife So say I were to cancel during the 5 cold months of the year. Would I save my monthly premium ($500) every month for 5 months equating to $2500, or would I only save a fraction of my yearly premium (because I heard that insurance is divided so that I am not charged as much in the winter as in the summer)? Thanks!
@@jasonp.9148 I dunno if you got ur motorcycle or yet but I heard in Ontario they charge 90% of the premium in during the riding month so you aren’t going to save money cancelling in the winter
Great informative videos. Thanks. Where did you pick your bike from?
Thank you for watching my videos :) I got my bike from Powersports TO. They are Toronto based at 24 Nashville Ave, York, ON M6M 1J1
Since insurance depends on the area you live in, could a p.o box of an area that costs low to get insured in be used?
In Ontario an insurance company is required to provide you with an insurance quote, reason for this is because by law in the province of Ontario insurance is mandatory. They may try to tell you they cannot give you a quote because the rider only has his/her M1. The insurance company may have underwriting guidelines which makes you ineligible for their book of business, however, this does not mean you cannot get a quote, by law they MUST provide you with a quote. It is called facility insurance which is last resort insurance for those who are not eligible with the provider you have contacted. Experience is a big factory, the cc's of a bike and the classification of the bike. Whether it is a sport bike, Supersport bike or a cruiser. You mentioned the Harley, now a days many insurance companies have an extra charge on Harleys, even though it is a cruiser. Shop around, check with your current provider if you have an auto policy already in force with them as they may have a discount associated with you newly acquired bike. These are just some examples as you mentioned it is a dry and often misunderstood topic which is not easily understood or clearly explained!
Yes, motorcycle insurance is a bit hard to explain at times but thank you for adding in this comment! I didn't know that Harley's are charged a bit extra as well. Great to know and thank you for sharing!
can insurance be suspended for winters
Hello, i have a BWS125 and i hold an M1 driver license and having difficulties finding an insurance company that could cover me. any suggestions ?
Love the vid! Hopefully catch you on the road 🤟 seasons almost over 😭
Thank you and yes hopefully! and I knoww, so sad that the season is almost over :(
Good video!
Thank you!
I pay $4k a year for an HD 1200cc Sportster. 26 years old with an M licence and 9 years of riding experience. A Toronto postal code is a big negative when it comes to insurance lol :(
Hey Harley! Yesss ah, all prices are jacked up in Toronto it's so crazy lol. And that's incredible of you to be riding a 1200cc at 26! Love it! :)
Great vid. My 48-yo friend just spent $7500 on her 2022 Kawasaki KX112 to ride trails. A month later the ENTIRE Ontario insurance industry banned insuring ALL bikes under 150cc. It's de facto gender discrimination, as thousands of female riders are being told "We don't want your business, woman".
😂😂😂
Hey thank you for info ! btw your so cute,
love these videos Melody! Would love to hear your perspective on different schools and your experience with Motoursoul
Hey! Aw thank you so much for the kind comment and happy to provide as much information as possible :) I think that is a great idea to do a video on different riding schools offered in Toronto and my personal experience with Motorsoul. I will do my best to put together all the info required and release a video on this topic soon! :)
How much u pay for r3 ? Per month as insurance?
Insurance for motorcycle in Toronto, Ontario has gotten worst and worst over the years especially for supersports bike. Age does not play as big of a factor as your years of riding. For example, someone who got their M2 in their early 20s and has been riding for >3 years will pay less than someone in their 30s and riding $5K/yr or not insure you at all. As commonly mentioned, during your M2 license, ride a bike you only plan on keeping until you have your full M license. Once you have your M license and have been insured continuously for at least two straight years, you will then see a slight reduction in insurance rate on year 3 and so forth. But then again, assuming you're going to buy a faster and more powerful bike, insurance rate will go up yet again.
Hi Jeff! You're definitely right that for supersports bikes the insurance will be crazy high and if you only hold an M2 its best not to even consider a supersports bike and just much better to wait to hold the full M and for about 2 years seems good. These are really good points forsure and thank you for mentioning this. I may upgrade to an R6 next year after I get my M and I am very curious to see if my insurance will be roughly the same or higher/lower.
I look forward to continuing to try and tackle this subject and helping others try to find some good deals. Thank you again for the comment Jeff! :)
FFS it's crazy.
In my country: You go to your bank web-account, then you enter plate number and vehicle document number, they have all the data needed on you in global (cars+motos) data base. I pay 30 - 40 euros for 9 months (In my case it's Horner600 and CRF250L, Hornet for some reason cheaper=) ) and I can go riding...
That sounds like it is way better organized in your country and that's a great price to pay too! North America is so expensive when it comes to insurance coverage lol. Have a great riding season and stay safe from Covid! :)
I live in Montreal Quebec, I'm currently 17yo and am planning to get my license at 18yo for Yamaha R3 (6B license for SAAQ). Any chance there's someone who is about my age, is a new or recent rider who does live in the province of Quebec and would know the average insurance cost for someone my age who doesn't have any other license and is starting to ride for the first time. Just looking to see what the average cost is to prepare myself or to know more about the prices and understand more about the costs for when I do get my motorcycle.
Hi Thomas, sorry for the delayed response and great question! I also love the fact that you are planning in advance like I did :)
So because insurance companies work on a case by case basis with every individual the best advice I can offer is to have a conversation with an insurance broker directly and they can offer a personalized quote for you without any affect on your record.
The reason is because, there are the following factors at play for you:
-You have not had a license before (which is good since you have no negative driving/riding history)
-The area/ address you live in is a huge factor when it comes to insurance. ie) if there are many accidents where you live they automatically jack up the price.
-Tell them you are looking to insure a Yamaha R3 as your first bike and tell them if it will be new or used. **new is better since they will already know that there is no risk in insuring a new bike. And it is great that you are looking to insure a lower cc engine of the R3.
-Your age will be the only item in my opinion that will make insurance a bit pricey for you but the only way to know is to ask directly.
This is the insurance broker that I am with right now and you can give them a call:
www.daltontimmis.com/
Call: 888-385-8466
@@MelodyCamposMotorcycleLife Thank you for taking the time to respond. It means a lot. Although i know there isn't really a direct answer u could of given me, u actually answered more than I expected u too. Knowing that I'll only be getting the bike by April 2021 and that's when I'll make sure to follow ur advice and even try to contact the insurer u are using, thanks to u I understand why no one can really give me a simple and honest answer to what I personally thought was a simple question. Turns out the answer is a little more complicated than I first thought😅 But hopefully if ever I have questions about anything else, you'll be able to answer them too😁 Again, thank you for uour time and your help, it's greatly appreciated and who knows, maybe we'll get to meet and ride together one day🤷♂️😂 take care and like my uncle says, "never ride faster than your guardian angel can fly"🙏
@@thomasdaras1421 Aww anytime and happy to help in anyway! I really like that quote too and it is very true. Trust your instincts but don't go too fast haha. With insurance it is truly so much more complicated and personalized than we all realize and I am really glad you also understand that too. And yes, if you have any questions along the way to your 2021 bike journey then please feel free to ask :)
I wanna ask a question. We have to pay insurance every month or just 4 months ?
Hi Jay! Here in Canada you are required to have insurance all year round, even though half the year is covered in snow sadly, but the best thing to do is to call your insurance and ask them to only cover "theft and fire" in the winter months so you are not paying as much. :) Thank you for watching my video and I hope this information helps! :)
Melody Campos -Motorcycle Life soo its possible?
@@Estatebyjay You are not legally required to have coverage all year round but if your scared your bike may get stolen it is a very good idea to do so. :)
Hi Melody I coming from Colombia and i had experience do you know if is best validate that experience for better quote or doesn’t matter ?
Hi! It will be a good idea to tell them when you do your M1 test because it may help. Sorry I'm not %100 but they may take it into consideration. However, just know that in Canada there are so many factors that they look at and you may be paying more for insurance here than you did in Colombia. Welcome to Canada soon!
Hi Melody. What bike do you ride?
Hi! I have a 2019 Yamaha R3 :)
Do I need a separate insurance if I want to have a pillion ride with me?
Hi Rohan, great question!
No, the law does not require that the pillion rider have insurance, and each insurance will be different in terms of if pillion cover will be included in your quote. Therefore it will be best to ask them directly if it is included.
Sometimes your insurance will only cover you and your bike and not an additional person therefore, you can also ask your insurance company to cover your passenger on a guaranteed basis and if there is an additional cost to do this and if you are looking to ride together very often.
Here is a link for a few additional tips on riding with a passenger in Ontario:
www.ontario.ca/document/official-ministry-transportation-mto-motorcycle-handbook/carrying-passengers
@@MelodyCamposMotorcycleLife Thanks alot Melody. Your channel is goto guide to motorcycling in Canada. Keep up the great work.
@@rohanmaharjan2627 Aw that is such a kind comment, thank you so much! :)
Great vid ! I am planning to buy a Duke 390 and it is sub 500 . So I hope I won't have to pay huge amounts of money for insurance and stuff. Any idea how much it would cost and suggestions for insurance companies?. Cheerio! :D
Hey Shaun! Thank you for watching my video and that is so exciting that you are getting a bike soon! For insurance, because they look at your age, your address and a lot of other personal details to come up with the quote I can’t quite give you an idea of how much you will need to pay. And for insurance in Toronto I am with NFP Insurance (but they only insure bikes when you have your M2 or M. And I have heard that Desjardins is a good motorcycle insurance company :) hope this helps!
@@MelodyCamposMotorcycleLife I was overwhelmed with all the info I found but guess this is a step in the right direction! To more miles and wrenching! Stay rad
How much you pay for your insurance?
and what insurance company?
Hi! I pay $177 per month and the insurance company I am with is "NFP". Here is the link below
www.daltontimmis.com/personal-insurance/motorcycle-insurance/
Hey I coming to Canada this sep and love to ride bikes so is it worth it to own a bike over a car in Canada currently I own a hayabusa and after shifting to Canada I still want to go with hayabusa how much insurance I have to pay for hayabusa in Canada approximately plzz do let me know??
Hey Rohit! Thank you for watching my video and for the question!
That is great that you will be in Canada soon as well :) very exciting!
Answer to Question 1: In Canada, there is typically snow within 6 months of the year and we only have summer and nice riding weather from May, June, July, August & September. Therefore, most Canadians will own both a car AND a motorcycle. It can be expensive to do this but if you are able to it-it is a great option because it is usually not possible to ride a motorcycle all year.
Answer for Question 2: It is difficult to know how much you will be required to pay for a hayabusa (awesome choiceof bike!) and the reason is because the insurance price depends on personal factors like: age, riding experience, license, male/female, address..etc AND also keep in mind that they (insurance company) will see that a hayabusa is a "Supersport" which can increase the price of insurance because of the high speeds the bike can go.
I hope this information can help with your preparations and best of luck with your journey to Canada! :) stay safe and healthy!
Melody Campos -Motorcycle Life thanks it is really helpful🌹 it’s so nice of you that you explained me all this so well🙂
@@Rohityadav-gv9cx aw anytime! :)
@@Rohityadav-gv9cx lol man you are in india and you own a busa lol nice lies good luck hahahah
I like your videos information you give and mostly the smile its just something one in million. What bike you have? I am a biker too and joined a group in Mississauga. I ride Honda Shadow spirit 2007. Will love to talk to you.
Thank you for the kind comment! I have a 2019 Yamaha R3
hi melody! I am an International student and have almost 4 years of bike riding experience ( from my home country)... so do i still have to follow these same steps to obtain my bike licence or is there a different approach cause I have that much experience? I am 21 and living in London, ON. Btw great vlogs ❤️
Hi Zubair, thank you for watching my videos and for the kind comment! Yes, even with all your riding experience and knowledge you will need to follow these steps as you are in a new country and here in Canada the steps are also different in each of the provinces. Hope you are able to get a good quote!
@@MelodyCamposMotorcycleLife Thanks a ton ❤️
You can get accelerated M Class directly after M1... you would definitely NEED the original driver's license and driver extract from your give country. Unfortunately there is no workaround the extract part.
ok here is my take. anything below 500 is not worth having in this region canada and USA. however perfectly fine forSouth East Asian countries where anything goes.in my opinion minimum 600 to 650 cc is a must to safely keep up with traffic without squeezing the life out of the engine. insurance companies simply don't want to insure any motorcycle in Ontario especially larger cc. cruisers they don't care as they are very heavy, lethargic old dated grandpa type rides. they just cruise nd make unnecessary sound without doing anything. go with a sport not Supersport , ride safely and continue building up insurance history. you will be just fine. that sums up everything thankyou very much
Great vlog. Will you do one on your gear?
Ahh I would love to! I will be sure to upload a video on my gear very soon :)
what are cheap insurance brokers/companies in Ontario. I live in Brampton.
Hey! I found it difficult to shop/ call around so I went with a mortgage broker called "NFP" who I was able to meet and talk to their agents at a motorcycle show. They service Ontario too and here is the website link:
www.daltontimmis.com/personal-insurance/motorcycle-insurance/
i did mistake of buying an a supersport as a first bike aka cbr 600rr and it was damn impossible....
Oh nooo, such a nice bike but yesss, so difficult to insure on only an M1. And this happens to a lot of new riders forsure.
Thanks for the video .. am from india and was so confused about all these stuff ..
Hi Alex, you are very welcome and happy to help :)
Thank you for subscribing and for your comment! If you are now living in Toronto I hope you find this city to be your 2nd home and you enjoy all it has to offer!
Melody Campos -Motorcycle Life i’ll be there at kitchener by June. insurance seems to be on the heavier side ! Here in india its cheap
@@alexjose5866 I have heard that insurance is much cheaper in India and i seems like you also do not need a helmet when you ride there too. Kitchener is a great city and I think you will really enjoy it here!
@@alexjose5866 haha love it!
I may have commented on another video but do you possibly have any advice for me?
I am a 21 M, living in Ottawa ON, I asked around for insurance quotes on the following bikes: Ninja (400), Honda Rebel (300+500), and Honda shadow (750).
I asked about insurance for me taking a course and having my M2 learners permit with a clean Auto license for pleasure riding around 5000km a year.
I asked TD, Riders plus, all state, Desjardins, and a few others and the lowest quote I had was for around $3500-$4000 my first year on a 2019 Honda Rebel 300....
$333 a month. That is ludicrous. I assumed motorcycling would be expensive but I can’t feasibly add $300 to my budget as well as put aside %15 in the event of accident, new gear etc..
Do you have ANY tips!? I really have a passion for motorcycles and I don’t want to be put off by something like that. Its extremely discouraging :/
Thank you I hope you can find a few minutes in your day and if not no problemo it is an older video after all!
call a broker it saves you so much time. Just based on your age and driving history I think rates on the shadow 750 is going to be a bit high. I wouldn't advise it as you're new to riding but one option that's available is to buy a used ninja 400 or rebel 300 purchase it fully and just see what your premiums are for liability coverage only. Again this is not something I would do personally but its an option if you want to lower your premium.
You're first year i think I would set my expectations to paying $1500-2500 for a ninja 400 full coverage on a m2 with no prior motorcycle history. I'm not a broker or anyone related to the insurance industry so I'm just sharing some general figures from what i've heard with people new trying to get into riding. It sucks when you're young and new when trying to get into riding but unfortunately that's just how it is in Ontario.
Am 22 and got myself a Honda grom 125cc and my frist year ill be paying 3600$
Interesting! ✌️
Thank you :)
Good presentation of the topic. 👍
Thank you! It was a tough one to tackle forsure so I really appreciate the comment :)
Am 22 got myself a 125cc honda grom and all insurance told me ill be paying 3600$ for one year
@МАЛИБУШНЫЙПАНТЕР M2, am paying 290$ monthly for my insurance
Ridersplus for mr for the school with a m2 now fir almost 4 years going for my full m this summer and I have a 2013 ninja 300 I pay 196$ a month for full coverage with just a motorcycle being a Male and 21 years old
Hey! thank you for the comment and sorry for the delayed reply. Covid kinda took over my life for a bit :( that's a great price for insurance. I wonder if it may be because of the city you live in as some cities offer lower insurance due to lower motorcycle accidents and if you are paying full coverage?
@@MelodyCamposMotorcycleLife yeah it dose but Hamilton is bad for Accidents and also motorcycle theft but I'm with Curtis and home With Daserdan insurance but in Burlington its like almost a 100$ more but if I was back up north its like 120$ for a supersport out there its crazy
@@MelodyCamposMotorcycleLife also yes that's for full coverage
That’s not bad. I’m 28 and they quote me $200+ for 300 ninja in 2022
Nicee
Thank you!
Hi melody ， you are way over paying insurance for an R3
Hi! Yes, I know my price is a bit high but I also live in downtown Toronto :/
Melody Campos -Motorcycle Life as am I .Did you try Allstate? They have the friendliest motorcycle insurance for newer riders. I’m paying $140 for an R6 full coverage!
@@bwong515 wow!! Great advice.. i might gonna try that coz,i got my m1 getting my m2 soon .. i got approve on my ducati monster 797 2018.. hope they can give me the lowest possible insurance..
Plese you better microphone.