Kawasaki Concours Forum
The C-14, aka Kawasaki Concours-14, the new one :) => The Bike - C14/GTR 1400 => Topic started by: chap on February 19, 2013, 10:13:27 AM
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In Saskatchewan, Canada we have just been notified by our State Insurance Company (SGI), that they intend to increase insurance rates dramatically for bikes, especially Sport bikes. My 2010 Concours is luckily classed a Touring Bike, the rate will go from $1,669 to $2,513 per Year a 50% increase. if I had the Ninja 1400 it would go from $2,263 - $5,446 (240%). this is for insurance on the bike and (I think) $250,000 liability insurance.
just wonderimg how this compares to other Canadian Owners. Don't forget I can only drive April (at the Earliest) to October due to the weather.
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:o
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In Saskatchewan, Canada we have just been notified by our State Insurance Company (SGI), that they intend to increase insurance rates dramatically for bikes, especially Sport bikes. My 2010 Concours is luckily classed a Touring Bike, the rate will go from $1,669 to $2,513 per Year a 50% increase. if I had the Ninja 1400 it would go from $2,263 - $5,446 (240%). this is for insurance on the bike and (I think) $250,000 liability insurance.
just wonderimg how this compares to other Canadian Owners. Don't forget I can only drive April (at the Earliest) to October due to the weather.
(http://i80.photobucket.com/albums/j180/stevewfl/avatars/eek.gif) (http://i80.photobucket.com/albums/j180/stevewfl/avatars/eek.gif) (http://i80.photobucket.com/albums/j180/stevewfl/avatars/eek.gif) (http://i80.photobucket.com/albums/j180/stevewfl/avatars/eek.gif)
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:yikes:
Take off eh.
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Getting hosed, eh! :o
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The 3 best things in Canada:
1) Beer
2) Beer
3) Beer
The worst thing:
Motorcycle Insurance
Oh, I forgot the 8 mos. of mind-numbing cold weather ....
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The 3 best things in Canada:
1) Beer
2) Beer
3) Beer
The worst thing:
Motorcycle Insurance
Oh, I forgot the 8 mos. of mind-numbing cold weather ....
Don't forget her.
(http://a2.ec-images.myspacecdn.com/images02/137/565c4a410c2f4b92aabeeffc2d9df861/l.jpg)
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I'm sorry if this is a stupid question but: what exactly are you insuring? please tell me in plain terms, as my English is not that good on insurance terms.
I live in Germany and pay about 258 EUR (350 CAD) for the compulsory insurance (damage to others in the event of an accident) and in case the bike is stolen. I drive 9 months a year, March to November.
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Don't forget her.
Canuck toe eh. :thumbs:
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Canuck toe eh. :thumbs:
Eh! :P
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In Alberta:
$1,000,000 Liability (Compulsary)
Collision (damage to own vehicle-drop etc.)
Accident Benefits
Fire and theft
Family protection (rider)
Replacement
=$447
Would be much higher for a sport bike, younger rider.
I always thought SGI was a good insurer. Proven wrong! Seems they got tired of insuring squids.
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I'm sorry if this is a stupid question but: what exactly are you insuring? please tell me in plain terms, as my English is not that good on insurance terms.
I live in Germany and pay about 258 EUR (360 CAD) for the compulsory insurance (damage to others in the event of an accident) and in case the bike is stolen. I drive 9 months a year, March to November.
The insurance is comprehensive coverage with a $750 deductable. Covers damage to my bike in collision, fire, theft etc. There is a $250,000 liability limit for damage to people or other property and vehicles.
They claim they are loosing money at the current rates, and this brings it inline with our neighbours Manitoba and Alberta. Say what. I just got a response from Alberta. The rate there is $447 per year as opposed to our $2,513. interesting
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In Alberta:
$1,000,000 Liability (Compulsary)
Collision (damage to own vehicle-drop etc.)
Accident Benefits
Fire and theft
Family protection (rider)
Replacement
=$447
Would be much higher for a sport bike, younger rider.
I always thought SGI was a good insurer. Proven wrong! Seems they got tired of insuring squids.
Thanks for the info. One of the justifications for the increase was bringing it inline with Manitoba / Alberta. I wonder where they are getting their info.
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In Alberta:
$1,000,000 Liability (Compulsary)
Collision (damage to own vehicle-drop etc.)
Accident Benefits
Fire and theft
Family protection (rider)
Replacement
=$447
Would be much higher for a sport bike, younger rider.
I always thought SGI was a good insurer. Proven wrong! Seems they got tired of insuring squids.
Holy smoking deal and I thought at $700.00 I was getting a deal....what Company are you dealing wth??
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Canuck toe eh. :thumbs:
(http://i80.photobucket.com/albums/j180/stevewfl/avatars/dblthumb2.gif)
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I'm in Alberta as well. I'm paying around $650 on my '12 for the same coverage as connie1.
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In Saskatchewan, Canada we have just been notified by our State Insurance Company (SGI), that they intend to increase insurance rates dramatically for bikes, especially Sport bikes. My 2010 Concours is luckily classed a Touring Bike, the rate will go from $1,669 to $2,513 per Year a 50% increase. if I had the Ninja 1400 it would go from $2,263 - $5,446 (240%). this is for insurance on the bike and (I think) $250,000 liability insurance.
just wonderimg how this compares to other Canadian Owners. Don't forget I can only drive April (at the Earliest) to October due to the weather.
:yikes: :yikes: :yikes: :yikes: I pay $320 per year full coverage including $100,000/person $250,000/accident liability.
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My 2010 Concours is luckily classed a Touring Bike, the rate will go from $1,669 to $2,513 per Year
OMG
if I had the Ninja 1400 it would go from $2,263 - $5,446
OMG x 2
Don't forget I can only drive April (at the Earliest) to October due to the weather.
Completely outrageous
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Is it the exchange value playing into this?
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Is it the exchange value playing into this?
I think might be socialism according to post 1. I bought a tank of fuel for my C14 in Canada and about had a stroke, state taxes made a litre cost about as much as we pay for a gallon.
In Saskatchewan, Canada we have just been notified by our State Insurance Company (SGI),
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Good catch Steve.
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Wawanesa. I also insure about eight other vehicles with them so that may have a bearing.
I remember having a little discussion with my agent about the difference between a sport and sport/touring bike. They don't have a clue. They look at a picture and say it looks like a sport bike so it must be. When I insisted they look into it they dropped the quote by $300 after a couple of days. They tried this with my daughter also. She rides a standard with a fairing (GS500).
Being in my forties with a clean record for the last twenty years might also have a bearing.
By the way, our dollars have been at or near par for the last couple of years so the exchange rate shouldn't be playing into it.
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I guess I need to look for a different place to hide when the fecal matter propels against the oscillating rotator :hitfan: That is too much to pay unless you are a terrible driver. I wonder what the rates are in Belize?
I pay about 170 bucks a year for full coverage with a $250 deductible but they rate the Connie as a Touring bike and I have a clean driving record.
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The rates in Florida are about $220 a year, full coverage. And that includes the g-strings and warm weather (http://i80.photobucket.com/albums/j180/stevewfl/avatars/icononethumbup.gif)
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The rates in Florida are about $220 a year, full coverage. And that includes the g-strings and warm weather (http://i80.photobucket.com/albums/j180/stevewfl/avatars/icononethumbup.gif)
I'm going to have to talk to my agent about adding that to my policy 8)
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I live in Medicine Hat, Alberta and pay a total of $370 for insurance on two bikes with $1000,000 liability and no collision. As long as I'm not at fault, the other drivers insurance will pay for my bike repairs. I am assumming most motorcyclists are NOT at fault in an accident, but thats just a guess.
chrs- mat
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I just renewed mine this past September for the low low cost of $1,200.00 I was paying almost $900 for my 1800 Wing. As soon as I purchased my 09 C14, went up $300. Thank you Ontario insurance for screwing a guy with a perfect driving record lol! It's the norm in this province.
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I'm going to have to talk to my agent about adding that to my policy 8)
:rotflmao:
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I live in BC and pay about $1600.00 per year. I thought I was getting hosed, but....
I have a decent discount because of a good driving record. If I had a couple of accidents in the last three or four years, I would be up to $2500.00 for sure. My car is at $3000.00 thanks to my daughter....
A lot of the cheap insurance in the US is because you add the bike to your umbrella insurance on your house, car, etc. Is that why it's cheaper? Liability is already paid for.
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[I live in Ontario
62 years old.
Last ticket was in 1985, Basically an unblemished record.
I'm paying $ 1300 a year, for full coverage.
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Yeah, good ole Canada. They get one way or the other. Fuel, insurance and high taxes. I paid $40 more this year than last, bringing it to $1012. Hate to see where it goes after I try to fight my speeding ticket. We don't have the umbrella/blanket insurance here. Wanted to insure my 85 Interceptor for the occasional ride and they wanted another $800, and for what, no full coverage because of the age. I mean I know a few people that say the hell with the insurance and take the risk, $5000 fine if caught, but if they get away with it for a few years, well then no big deal.
It's called legalized crime. We are not FREE to enjoy our bikes, we are being punished for our love.
If I recall the US went through something of a hard time with motorcycle insurance back in the late 90's early 2000's. But, the AMA fought them on it. Here they are blacklisting certain bikes, and if you find a place to insure you it costs big time. The Honda Hurricanes are on the list, and why, beats me, there are more powerful machines now. A Vmax, good luck, to much power this industry has over the people. I'd bet that 80% of the accidents are caused be cagers.
We ride, we know that we are vulnerable! If we pick up the pace a bit to put us into a safer pocket, well big brother is there to slap you with a ticket. Slow down, well you stand a good chance of getting rear ended. Either way we are screwed!
As for gas prices, our lovely C14's using premium costs me roughly $0.60 per US gallon more here than regular.
Well so much for ranting and raving! Just can't wait till winter's over so I can get rid off this pent up CRAP!
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So is the insurance industry in Canada private or government run?
P.S.--Painkiller, nice seat in your avatar.
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So is the insurance industry in Canada private or government run?
That differs from province to province... In Alberta it is not, Sask and BC it is. Not too sure about the others...
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So is the insurance industry in Canada private or government run?
P.S.--Painkiller, nice seat in your avatar.
In Ontario it's private, but has regulations it has to follow. But guess where the politicians came from. Banks, insurance companies and lawyer firms, go figure.
:chugbeer:
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So is the insurance industry in Canada private or government run?
P.S.--Painkiller, nice seat in your avatar.
So just to clarify more. Saskatchewan Canada is a Government insurance. They charge the same rate weather you are 16 or 60. I have a clean driviing record and an 53 yrs old. So the $2,513 is for any driver. i do have a 20% reduction because of my good driving record so potentially could save $400, but I am sure they will find a way to cancel that program for bikes and charge me full rate.
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Ok from now on i ll stop complaining.
In Quebec, i m paying 300$/year for full coverage insurance with a 100$ deductible if im in fault and also including civil responsability. You can look at all the insurance company out there to find the best rate
Theres also insurance include in our registration (plates) yearly. Thats our no fault policy meaning i cant get sued for hurting or killing somebody in an accident.
Goverment is listing bike as a sport bike or a touring bike and updating that list every year. C14 is a touring bike.
Cost for registration for a touring bike: 540$/year
Cost for registration for a sport bike: around 1100$/year
We can use our bike from march 15th to decembre 15th it s that way only because the law says that you have to put winter tire on any vehicule on the road during that period. Havent found any winter tire for my bike yet.
As for gas, i dont care, every time a go for a ride, i drive 40 minutes and cross the border in Vermont or New York
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What the heck is civic responsibility in an insurance policy?
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What the heck is civic responsibility in an insurance policy?
any damage to others properties that is not a vehicule
for example: i m in fault in an accident that cause the crash of a semi trailer full of combustible, spilled all the content and hit two houses in his path.
Insurance will cover all damages
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My renewal is in at $677.00 for 1,000,000 liability,increased accident benefits,collision,uninsured automobile,direct compensation and comprehensive. I am 44 years old, perfect driving record, live in south/central Ontario (GTA-York Region). All of our policy's are with Security National/TD-Meloche Monnex on a special rate plan for York University employees.
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So is the insurance industry in Canada private or government run?
It might be more accurate to ask "Is the government in Canada run by the insurance industry in private?"
We've had insurance reviews in Alberta and the "industry" got everything they asked for with a big stamp of government approval.
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I'm paying 388/yr full coverage with $250 deductable and 2 mil liability in Alberta. Pleasure use not driven to work.
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I'm paying 388/yr full coverage with $250 deductable and 2 mil liability in Alberta. Pleasure use not driven to work.
My renewal is in at $677.00 for 1,000,000 liability,increased accident benefits,collision,uninsured automobile,direct compensation and comprehensive. I am 44 years old, perfect driving record, live in south/central Ontario (GTA-York Region). All of our policy's are with Security National/TD-Meloche Monnex on a special rate plan for York University employees.
It's nice to see that you can get a group rate through your employer. Not all employers would offer this, union or not. Living in London, 2 hrs away I pay nearly as much as you GTA guys, most likely because we have more morons driving per capita then you guys. A shame considering we are 376,000 to your 3-4 million. ???
Frank ZZR
Now this is realistic! ;D Use to be like that till the mid 90's, now with the no fault BS, well you see.
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It's nice to see that you can get a group rate through your employer. Not all employers would offer this, union or not. Living in London, 2 hrs away I pay nearly as much as you GTA guys, most likely because we have more morons driving per capita then you guys. A shame considering we are 376,000 to your 3-4 million. ???
Frank ZZR
Now this is realistic! ;D Use to be like that till the mid 90's, now with the no fault BS, well you see.
It's my wife's employer, she's the one with a real job.....I am self employed !
I would love to switch places with you, driving in GTA is a nightmare and getting worst fast!!!
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SGI motorcycle rate hike not definite, says Brad Wall
By Alyssa McDonald
Metro Regina
SGI says there are around 25,000 motorcycles in Saskatchewan, all of which would be effected by increased rates.
Premier Brad Wall says the proposed hike in SGI motorcycle rates will be up for discussion when session starts on March 4.
Wall says although nothing is confirmed, they will most likely be asking SGI to reexamine the proposed increase and implementation of motorcycle rates after overwhelming public resistance.
“We are hearing from a lot of people, not just riders but others. We want to get these things right so we may well reconsider this and ask SGI to have another go at it after we met as a caucus next week,” said Wall on a conference call with media on Friday.
Wall says it is a ‘slim’ chance the rates will stay as currently proposed.
The issue will be discussed in causes before the government formally approaches SGI to look at other options to the hike, like different kinds of licenses offered.
“We will meet again as a caucus and hear from MLAs. I was just saying today, that we are very open to that input and to the notion that we may have to ask SGI to have another look at this,” said Wall.
SGI proposed around a 70 per cent increase for motorcycle riders that would come into effect in August of 2013. The reason for the drastic increase was a $9 million gap between premiums and the amount paid-out for crashes and injuries.
“The objective here, closing that $9 million gap, is the right thing. … Is there something we could do or ask SGI to do to revisit how we are going to achieve dealing with this gap and look at perhaps more innovation,” said Wall.
There are roughly 25,000 motorcycles in Saskatchewan and around 90 per cent them are only registered during the riding season.
http://metronews.ca/news/regina/579540/sgi-motorcycle-rate-hike-not-definite-says-brad-wall/ (http://metronews.ca/news/regina/579540/sgi-motorcycle-rate-hike-not-definite-says-brad-wall/)
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SGI proposed around a 70 per cent increase for motorcycle riders that would come into effect in August of 2013. The reason for the drastic increase was a $9 million gap between premiums and the amount paid-out for crashes and injuries.
OMG! $9 million, is that all, probably posted a profit in the billions though! Insurance doesn't loose money. If you figure all the premiums that you pay for (house, car, life, rv etc) especially a driving vehicle where you are the only driver for 2-3 vehicles. You are either driving one or the other but have to pay 2-3 times as much. Remember when you could insure the bike for 6 months? Or take the insurance off over the winter to save some cash? What did they do, cancel 6 months policies and if you cancelled it for the winter you are lucky to recoup 10-15% of the premium cause they figured you used 85-90% of it during riding season. ???
Just remember how your policies changed after 9/11 terrorists attack. If it is a terrorist attack or an act of defense against a terrorist attack you are no longer covered.
They will do whatever they want, why, because it is against the law not to have insurance.
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If you figure all the premiums that you pay for (house, car, life, rv etc) especially a driving vehicle where you are the only driver for 2-3 vehicles. You are either driving one or the other but have to pay 2-3 times as much
That has always irritated me greatly. It is why I got rid of my truck because it was just too expensive to have a car, a bike, and a truck. I was the *ONLY* driver of all three and the truck only had liability. I had a near perfect record but still had to pay several hundred dollars more a year just for a beat up old truck, liability only, driven only by my, maybe three or four times a year for a total of maybe 150 miles.
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That has always irritated me greatly. It is why I got rid of my truck because it was just too expensive to have a car, a bike, and a truck. I was the *ONLY* driver of all three and the truck only had liability. I had a near perfect record but still had to pay several hundred dollars more a year just for a beat up old truck, liability only, driven only by my, maybe three or four times a year for a total of maybe 150 miles.
I hear you Max! My house, 2 cars and the Connie run me nearly $4k/yr. Wanted to add the 85 Interceptor for the occasional blast and they wanted nearly another $900 more. ???
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heh chap:
I just heard on the news that Brad Wall has officially axed the insurance rate increases. Although the premiums are way to high- at least you can afford to drive your bike.
Congratulations
mat
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heh chap:
I just heard on the news that Brad Wall has officially axed the insurance rate increases. Although the premiums are way to high- at least you can afford to drive your bike.
Congratulations
mat
I don't think he has axed them yet. They have sent it back for review. They should have the revised rates later in the week. We will see. But at least our vioce was heard.
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Ontario...2008 C14 $ 950.00
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just got my renewal for insurance...........211$, full coverage, 250 deduc and 2 Millions liability
not to bad
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just got my renewal for insurance...........211$, full coverage, 250 deduc and 2 Millions liability. not to bad
Is that per year??? If so, that is VERY low.
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Just did mine yesterday. 2 mil liab.no comp no collision. Incl. license fees - $1100.00 Then the comp and collision from another company is $350.00 500 ded. F-ing BS!
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Is that per year??? If so, that is VERY low.
Oupss, did a little typo Maxtog, it went from 311 to 249$. Still very good for me.
Registration is 545$
so for 795$, I m the road for a full year, full protection ;D
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Oupss, did a little typo Maxtog, it went from 311 to 249$. Still very good for me.
Registration is 545$ so for 795$, I m the road for a full year, full protection ;D
OK, my registration is $25. So the $545 is either a hefty tax or a socialist insurance type thing, making the actual insurance rate really $795. In that case, it is more than double what I pay in Virginia ($362/yr). Although, my last annual personal property tax bill on my 2011 C14 was $198. So the water is still muddy.
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Just got my renewal this week full coverage and limited roadside $737 /year. Considering we have to insure for the whole year and our riding season in a good season is 7 months long a rip off in my mind.
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If I did not live in the USA I would probably want to live in Canada. Having said that, Canada really is screwing you guys for insurance. My insurance and registration (for 2 years $25) costs me less than 180 bucks a year with full coverage, towing the whole nine yards with $250 deductible. I too live in a northern climate so 6-7 months a year is all I get to ride unless I get a odd weather year so I don't get why the heck they are screwing you so bad but next time ask for a kiss too.
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JB, same for me here, if not living up here, i would definitely live in the USA. That s probably why i spend all my vacations in your country. you guys are so friendly, even in big city ;D
If you have any job for me like a fire marshall, i m in ;D
This thread is mainly concentrate on insurance and registration but there s some advantages here in Canada also
My daughter goes to university for 3K a year, all health cares are free for everybody and.........that's about it
still enjoying life
cheers
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Don't forget her.
(http://a2.ec-images.myspacecdn.com/images02/137/565c4a410c2f4b92aabeeffc2d9df861/l.jpg)
Post ho! Just thought it was time to repost the canuck toe, he!! ;)