You can check it out right on thier website. Try insuring the bike as zero value.
Here in Ontario, we can get just PLPD, without collision. If someone runs into me, I'll still get the value of the bike.
However, in Manitoba, if you insure for zero value, and someone runs into you, you get nothing.
I lived in Manitoba for a number of years, and gotta admit I depised the insurance system there.
Another MPIC ripoff is trailers. Here, my car insurance covers the trailer,
and I buy a 15 dollar plate, and it's good for life. There, you have to insure and plate your trailer every year. I own 3 trailers, and that was getting pricey as well!!
Just for kicks,try a small town postal code. Your bike insurance will drop
to less than half, as soon as you get out of Winnipeg!!
Great minds think alike;small minds seldom differ...