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Old 02-17-2013, 01:42 PM   #1
jon_l OP
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can a Canadian resident own and insure a bike in the US?

Can a Canadian resident own and insure a bike in the US?

Wondering if one could buy and leave a bike at a relative's or friend's, or in a storage unit, with a local license plate & insurance. This would be while having a Canadian drivers license and permanent address. Bikes and insurance are so cheap there, I'm day-dreaming about leaving a cheap dual-sport someplace warm, to ride for a few weeks during the snowy season here.

Anyone with experience on this?
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Old 02-17-2013, 01:53 PM   #2
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Quote:
Originally Posted by jon_l View Post
Can a Canadian resident own and insure a bike in the US?

Wondering if one could buy and leave a bike at a relative's or friend's, or in a storage unit, with a local license plate & insurance. This would be while having a Canadian drivers license and permanent address. Bikes and insurance are so cheap there, I'm day-dreaming about leaving a cheap dual-sport someplace warm, to ride for a few weeks during the snowy season here.

Anyone with experience on this?
hmm would be a nice thing to know
I am in QC and ride a 1200GSA. I pay about $300 full cover... PLUS the QC registration stuff etc. been thinking the same thing as I work during the summer here and ...well it isn't the most ideal place to ride in winter ! Saying that I used to ride every winter back in UK, and yes there is snow there....OR was ..
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Old 02-17-2013, 08:20 PM   #3
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hmm would be a nice thing to know
I am in QC and ride a 1200GSA. I pay about $300 full cover... PLUS the QC registration stuff etc. been thinking the same thing as I work during the summer here and ...well it isn't the most ideal place to ride in winter ! Saying that I used to ride every winter back in UK, and yes there is snow there....OR was ..
A 1200 GSA in Ontario costs $100 or more per month x 12 months. ON has the highest insurance rates in the country. Do you mean you pay $300 / year?
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Old 02-18-2013, 07:07 AM   #4
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A 1200 GSA in Ontario costs $100 or more per month x 12 months. ON has the highest insurance rates in the country. Do you mean you pay $300 / year?
YES that's for the year... however in QC the registration every year is $650+ AND we have to renew the drivers licence every year ! My old UK licence, expires when I am 70... a one-off payment... which I made back in about '84 ! (although they have since changed over to "card-type") but still free to renew I believe. Oh yes ... the cost in '84 was under $100
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Old 02-18-2013, 06:01 PM   #5
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A 1200 GSA in Ontario costs $100 or more per month x 12 months. ON has the highest insurance rates in the country. Do you mean you pay $300 / year?
You might want to talk to people in Sask, Manitoba, and BC if you think you are paying high insurance now!
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Old 02-19-2013, 03:35 AM   #6
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You might want to talk to people in Sask, Manitoba, and BC if you think you are paying high insurance now!
Greater Toronto has the highest rates in Canada. It can only get better.
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Old 02-19-2013, 05:11 PM   #7
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Greater Toronto has the highest rates in Canada. It can only get better.
But I moved from Manitoba to Ontario so I could afford to insure my bikes!

It was gonna cost me about $7k a year there.
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Old 02-17-2013, 03:42 PM   #8
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Why not just ride your Canadian plated bike down in the fall & put it into a storage unit. In Ontario my insurance is pro-rated. This means bikes that are added to the policy from November to March incur no cost. I think the cost of the policy is 10% April 10% May 20% June 20% July 20% Aug 10%Sept and Oct. So if you insure one bike for the summer, and add two from Nov to March the cost will be the same. If I take the insurance off the bikes for the winter no savings are realized and actually I would loose my 5% loyalty discount and my 5 % multi bike discount. So it's easy insurance wise and registration wise.
I can't help you with the remainder of your question, but you could still buy a USA bike, get a Canadian reg/plate and then keep it down south. If you figure you want to save money on the purchase. I would recommend a maintenance free type of bike that isn't finicky or require dealer support or updates for tech bulletins.
The ultimate is to go on a nice relaxing ride in the fall time, store the bike, then visit it 3 times over the winter( fly&ride) then ride it back home in the spring. This frees up garage space for the skidoo/ snowblower and meets other objectives.
This reply doesn't totally answer your question but I hope it gives you some ideas ..
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Old 02-17-2013, 04:37 PM   #9
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Why not just ride your Canadian plated bike down in the fall & put it into a storage unit. In Ontario my insurance is pro-rated. This means bikes that are added to the policy from November to March incur no cost. I think the cost of the policy is 10% April 10% May 20% June 20% July 20% Aug 10%Sept and Oct. So if you insure one bike for the summer, and add two from Nov to March the cost will be the same. If I take the insurance off the bikes for the winter no savings are realized and actually I would loose my 5% loyalty discount and my 5 % multi bike discount. So it's easy insurance wise and registration wise.
I can't help you with the remainder of your question, but you could still buy a USA bike, get a Canadian reg/plate and then keep it down south. If you figure you want to save money on the purchase. I would recommend a maintenance free type of bike that isn't finicky or require dealer support or updates for tech bulletins.
The ultimate is to go on a nice relaxing ride in the fall time, store the bike, then visit it 3 times over the winter( fly&ride) then ride it back home in the spring. This frees up garage space for the skidoo/ snowblower and meets other objectives.
This reply doesn't totally answer your question but I hope it gives you some ideas ..

This is what comes to my mind... ride down late nov- early dec ish. Take the winter trips and go back in april and ride home.

You're only about 1500 kms from non frozen areas.
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Old 02-17-2013, 08:26 PM   #10
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This is what comes to my mind... ride down late nov- early dec ish. Take the winter trips and go back in april and ride home.

You're only about 1500 kms from non frozen areas.
Could work if I was retired, but riding a knobby-tired thumper to FL or AZ without using highways would be a very long trip. I wouldn't have any vacation left to ride.
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Old 02-17-2013, 08:40 PM   #11
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Originally Posted by Hektoglider View Post
I can't help you with the remainder of your question, but you could still buy a USA bike, get a Canadian reg/plate and then keep it down south. If you figure you want to save money on the purchase. I would recommend a maintenance free type of bike that isn't finicky or require dealer support or updates for tech bulletins.
I hear you. I'thinking of a WR250 / KLX250 CRF250L sort of bike. I'd want to just sabilize the fuel, connect the Battery Tender, and walk away.

Quote:
Originally Posted by Hektoglider View Post
The ultimate is to go on a nice relaxing ride in the fall time, store the bike, then visit it 3 times over the winter( fly&ride) then ride it back home in the spring. This frees up garage space for the skidoo/ snowblower and meets other objectives.
This reply doesn't totally answer your question but I hope it gives you some ideas ..
This is it! I would love to trailer our bikes down in the Fall, return in the car, fly down to ride in winter, and then trailer them home in Spring. Life is too short for 4-day transits on thumpers on boring roads trying to make time, while I can do back-to-back 12 hour car drives with the trailer without problem.
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Old 02-17-2013, 10:22 PM   #12
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Bought a fairly cheapo street bike up here last summer. But for me what bike I ride is not to big a deal. Went through it, fork seals ect. Rode to Las Vegas in September. Took a week or so winding my way down. Left it in the garage of a friend of a friend. Flew to Vancouver for about $300 and wife picked me up. We both flew down after Christmas cost $600 aprox. Rode through Arizona, New Mexico and into Texas. Storage unit by the airport ended up $112 for three months. Was only about $475 for both of us to fly back from Austin.
Traveling one way only on the bike gives way more time for exploring and weather. Also if flexable time wise you get to pick the best cities to fly home from for your time frame. In May a one way ticket from Bellingham WA to Austin is only $128 one way. With a little effort you could blow that on a barstool in a night or two.
Not for everyone of course but gives a bit of an idea of prices. Depends also on what they charge you to cancel your insurance in Ontario.
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Old 02-18-2013, 06:55 AM   #13
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Originally Posted by B.C.Biker View Post
Bought a fairly cheapo street bike up here last summer. But for me what bike I ride is not to big a deal. Went through it, fork seals ect. Rode to Las Vegas in September. Took a week or so winding my way down. Left it in the garage of a friend of a friend. Flew to Vancouver for about $300 and wife picked me up. We both flew down after Christmas cost $600 aprox. Rode through Arizona, New Mexico and into Texas. Storage unit by the airport ended up $112 for three months. Was only about $475 for both of us to fly back from Austin.
Traveling one way only on the bike gives way more time for exploring and weather. Also if flexable time wise you get to pick the best cities to fly home from for your time frame. In May a one way ticket from Bellingham WA to Austin is only $128 one way. With a little effort you could blow that on a barstool in a night or two.
Not for everyone of course but gives a bit of an idea of prices. Depends also on what they charge you to cancel your insurance in Ontario.
Good food for thought BCB. Thanks.

I like the idea of leaving the bikes in storage where ever they end up. Like Doc Rock and LDF do for the epic Mobius ride. Except nothing so epic

In 2011, Wifey & I flew to BC, rented two 250cc duals sports for a 4 day tour. Bikes rental was $1,300 with tax & insurance. Based on that, leaving a couple cheap thumpers down South sounds like a bargain. Thinking $4k to $5k to purchase and do initial service on 2 used bikes. US insurance is probably 1/10 what we would pay here.

I don't want to be locked into a specific place. Did the cottage thing for a few years, and it was wonderful, but now that's done. I like the idea of going where ever the mood takes us. Coastal GA, panhandle of FL, Southwest USA. I'm (hopefully) 5-6 years from retirement, so looking forward to escaping Ontario in mid-winter for a month or so, to someplace warmer and different. Just accommodation cheap rentals, no home / condo ownership in the plans.

I am enjoying this day-riding blog from RedRockRider: http://advrider.com/forums/showthread.php?t=725976
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Old 02-18-2013, 09:01 PM   #14
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I bought a bike in AZ several years ago. I got Arizona plates and phoned my insurance agent in Canada who insured it for me and emailed me the insurance card.
Keep in mind I live in Alberta where we deal with private not government insurance companies.

Ended up importing the bike to Canada.
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Old 02-19-2013, 06:14 AM   #15
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I am pretty sure one cannot have 2 drivers licenses in Canada or US. When I moved to Ontario, I had to turn in my Massachusetts license.

Otherwise one could rack up tickets on a "throw-away" license.
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