Looking for tips on insurance in BC

Discussion in 'Canada' started by Crashpad, Mar 8, 2013.

  1. jackd

    jackd Long timer

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    I do the same, Steve - document it all the way. It's something that we do in our work....

    Here's a question for you. Do you think that they would approve the installation of a 'S' type fairing on a stock late model naked 'R'? I'm seeing that guys are getting Parabellum fairings approved or similar aftermarket units for that matter. I'm just very curious as to how much they worry about fairings (maybe they see them as a safety device). I value your opinion.
    #21
  2. eldog

    eldog Adventurer

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    My information may be dated as I learned to ride in BC before moving back to Ontario about 10 years ago.

    I agree with the 400 cc class. Because of this I spent an extensive amount of time shopping around for a 399 cc starter bike in BC as the insurance on it was half of a similar 500 cc starter bike because it was up in the next class. This meant I ended up on an Yamaha FZR 400 instead of a Suzuki GS500 or Ninja 500EX. Not the worst thing that can happen to a new rider. I had looked at getting a Dakar back then as it was the first couple of years for them, but a brand new BMW 650 as a first bike was a bit out of budget, price and insurance wise. It makes the 400 cc dualsports a useful size insurance wise.

    While the amounts have probably changed, I think the ratios are probably similar through the engine sizes. At the time a 400cc bike was half the price of a up to 750cc bike and a quarter the price of a 1100cc or larger bike.

    I also recall when I was living in BC that you can only historic plate a second vehicle in your name. You used to have to have another, primary driver insured at the regular rate first. You may want to see if this is still the case.

    ----------------
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    #22
  3. Steve G.

    Steve G. Long timer

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    I can see it being ok, on the basis that the S fairing was available for optional purchase when the bike was new. Covering one's ass by documenting and sending in pics to their office is a good thing to do though.
    I've got the factory optional futura fairing for my Laverda. I have chosen for the time being to run it without the fairing. I sent pics in of the bike with and without the fairing, and a letter explaining my intention to ride the bike with and without the fairing based on season, and my whim. They are ok with that.
    #23
  4. Commuter Boy

    Commuter Boy Long timer

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    It's a period mod, shouldn't be a problem as long as it's disclosed in advance. If they have a problem with it they will not allow it, then you bury them with the paperwork you have prepared, and they usually accept it.
    #24
  5. Lornce

    Lornce Lost In Place

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    ICBC premiums vary by region. I have to imagine Lower Mainland premiums are steeper than less populated interior regions. :dunno

    Anyone have a KLR650 insured in the West Kootenays for an example of comparative costs. (i don't have a functional question mark key on this laptop).

    tia,
    Lornce

    :ear
    #25
  6. Steve G.

    Steve G. Long timer

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    Yup, metro Vancouver has the highest premuims region in "probably" western Canada.
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  7. David_Moen

    David_Moen Long timer

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    I still have my first ever street bike. An '84 Kawasaki GPz 750. My girlfriend (now wife) and I thought that would be a great thing to buy with an ICBC settlement that she got when our '75 Honda Civic got taco'd.

    Still have the bike, and the girl. Haven't ridden one of them since......well nevermind...:D

    Time to get a collectors plate on the thing and re-live our youth!
    #27
  8. DNF

    DNF Been here awhile

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    Lowest insurance rates are on Van Island believe it or not. Second lowest is Kootenays.

    My Wr250R is $160 for six months. No collision of course. KLR you would want full coverage right???
    #28
  9. Lornce

    Lornce Lost In Place

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    Full coverage on a KLR. You're joking, right (the place where the question mark should be).

    :rofl
    #29
  10. jackd

    jackd Long timer

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    #30
  11. Steve G.

    Steve G. Long timer

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  12. jackd

    jackd Long timer

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    Thanks Steve. I recently read that the authentic BMW 'S' fairing is no longer available but aftermarket copies are. I'll start doing my research. The GS might have a brother sitting next to it in the garage if all works out.
    #32
  13. Steve G.

    Steve G. Long timer

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    ICBC isn't going to know the difference between oem and jobber fairing. Not sure what kind of attachment hardware is needed?
    #33
  14. jackd

    jackd Long timer

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    Boy are we getting off topic! My apologies to the OP.

    By reading a few threads here about 'S' fairings, it would seem to be quite easy to adapt one of these things to a later model machine. I'm pretty sure I could improve on what they sell by fabricating bits at my workplace. This could be a very enjoyable project for next winter.
    #34
  15. DNF

    DNF Been here awhile

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    Yeah that was a joke.

    Obviously ICBC won't cover milk crates.
    #35
  16. jackd

    jackd Long timer

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    Steve G - need your knowledge once more. You run one 'Collector' plate over your herd of bikes and save big bucks. I'm contemplating purchasing another older BMW which I hope to run alongside my GS with a 'Collector' designation. What would be the way to go - running both with the common 'Collector' plate or go for separate coverage?
    #36
  17. Steve G.

    Steve G. Long timer

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    Hi Jack,
    Yes, I've got a 'Multi-Vehicle Collector" plate. Starts to make financial sense if you are running 3 bikes or more. And it makes sense if you like to regularly run all your machines [as I very much do] rather than essentially mothball them. The basic insurance is of course based on engine size, except on a "Multi" plate, it's based on the bike with the biggest engine size. So if you've got for example a 1000cc bike, and 7- 250cc bikes, you pay the Multi plate cost of a 751-1150cc engine size [around $490/yr in the 'big smoke' of North Surrey.

    Of course, then you will be faced with perhaps the most demanding and difficult of 'first world' problems, deciding which bike to ride on Sunday morning, and not needing to wait till the insurance place opens. And a word of caution,,,,about 25% of the time, I leave my house without swapping plates onto the bike I've decided to take out.
    Once I've even ridden to bloody Squamish for coffee, and not noticing it until I got off the bike at Starbucks. This of course emphasizes complete adherance to speed limits with tail between my legs heading home.
    #37
  18. jackd

    jackd Long timer

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    Oh I can imagine that forgetting to put a plate on your ride might cause a few problems. The best thing about heading up to Squamish is that some fool will always be going faster than you will and will be drawing all the attention away from you. From what I'm seeing over here, most of the cops are running around in white Chevy pickup trucks. I live next door to the cop shop and I usually take a peak in to try to spot whatever is new they might be running.

    Thanks for the clarification on the multiple plate versus individual plate situation. I'll only have the two to worry about if I find what I'm looking for. They'll be so much alike that I'll have to look down just to figure what the hell I'm riding at the time.
    #38
  19. MitchG

    MitchG Iron Collector

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    Move to the NWT! 1 mill liability on commercial tractor trailer $660 a year and bikes with same coverage $120 for full year. Abet, the season is short, so now I'm going to leave them in Arizona for the winter:evil
    #39