Ok. I'm going to open the can of worms my instincts tell me I already know the answer to. My son turns 16 next week. Getting him into a rider training program is not an issue, because I spend my weekends teaching it. The problem is insurance. My cousin, who is my broker "adjusted" all the numbers he could, and even with the course, and riding my 250 Sherpa, it's still going to cost in/around $5000.00 per year. I'm not sure you could find a less offensive bike than a 250 Sherpa, we use them to teach with. And still they want 5K? We get lots of younger ( under 18 ) riders taking our courses, how are they managing it? I'm curious if anyone else has been through this recently ( in Ontario ), and what kind of solution they have come up with. There is a bit of a grey area when it comes to insurance. Legally, he could ride my bike if he has a licence. If he got stopped, he would have an M2, ownership & insurance( both in my name ). The problem occurs when/if something happens. The insurance company could easily say that they will not cover him or me, then I'm screwed. I would really like him to be able to ride. He's been doing the dirt bike thing for a long time, and he's been hanging around me on the parking lots watching the training, so he knows what to do. He just needs the opportunity.