motorcycle insurance

just curious... does anyone pay for insurance just for the summer? i asked my broker about this but he said that i had to insure for the whole year.

No such thing as half year insurance for motorcycle in Canada. Full year only.

couldnt you just cancel it after fall?

i didnt have my Z6r long enough to know... lasted a month with my M1

Yes, you can cancel after summer. But they'll tell you that the rates are pro-rated for the riding season so you don't get much back. Also, it looks bad the next time you try to renew as this counts as a lapse and they MAY disregard your previous experience.

ICBC does half year

You can always buy volcano insurance.

from my knowledge, statefarm insures bikes at a month by month basis.
catch is they won't insure your bike alone. you need to already have a policy (house, car, etc.) with them.

all other bike insurance companies are total scam artists. most of them pro rate a 6 months... meaning you get insured the full year, but if you want to cancel after 6 months, you get $0 back.

Originally Posted by Kinki

No such thing as half year insurance for motorcycle in Canada. Full year only.

WRONG! I had month to month for 6+ seasons now. Previous post is correct I am with State Farm and have my car policy with them also.

Originally Posted by Kinki

No such thing as half year insurance for motorcycle in Canada. Full year only.

Ahhh, stereo-typical Torontonian response... "there is no Canada outside of Ontario"

The cheque in front of me says I got $258 refund for cancelling my MC insurance with 6 months left.

Originally Posted by Kinki

No such thing as half year insurance for motorcycle in Canada. Full year only.

Golly wilbur, duh.

I guess I'm blind where it says 6 months on my ICBC insurance for the CBR1000 I ride.

Originally Posted by rookie

WRONG! I had month to month for 6+ seasons now. Previous post is correct I am with State Farm and have my car policy with them also.

so do you just insure for the summer months??

that sucks, cuz i'm with state farm and i have so many other policies with him(at least 3), and he told me that i have to do the year

ttt

In AB, the policy is pro-rated, as stated above, so that you pay for probably 80% of the policy in the summer months. You could technically cancel the insurance the other 6 mos of the year, but what would be the use as the risk may far outweigh the potential economic benefit. That may be what the agent is talking about.