stmike 1800
Member
I live in Northern Ontario, Canada and I'm having problems getting insurance. I have a clean record, but as soon as I bring up Spyder, that ends the call. What company do you use?
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Having problems getting insurance in Canada - who do you use?
- Thread starter stmike 1800
- Start date
Severnpaul
New member
I am with TD.
I use Progressive, but I live in the U.S., not Canada. It seems odd to me that an insurance company would be hesitant to insure a Spyder but would insure a two wheel motorcycle. I might be wrong, but I assume that the 3 wheel Spyder (and Ryker and F3) all have lower rates of claims than do traditional two wheel motorcycles. A tipover at a stop light can do a few thousand dollars worth of damage to body panels of a 2 wheeler, but 3 wheelers do not tip over. The greater visibility of the front end of a Spyder means it is less likely that a car or truck driver will turn left in front of you because they did not see you as compared to the smaller profile of a 2 wheel motorcycle. But I will admit that I do not know much about Canada and the attitudes there about motorcycles.
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bigbadbrucie
New member
First off, I wouldn’t telephone the Insurance Agent....go to see him in person. It’s easy to hang up a phone, but more difficult to brush off a customer in person.
Are you talking liability, collision or both. In B.C. The liability is I.C.B.C. (Government Insurance) which is B.C. only but my collision is with Beacon (don’t know if they’re Canada wide.
I wish you luck.
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ottawa-rider
Member
Are you actually talking to someone at an insurance company or broker or is it thru some online access thing. If its online, maybe it is not setup to handle motorcycle/Spyder's.
opcorn:
kroache
Member
I'm in Caledon Ontario and insure both my Indian Roadmaster and 2020 Spyder RTL through Intact Insurance. The actual Insurance broker I use is Brokerlink Inc. You can reach them at 1-800-268-3394.
Not sure if they are only local to us here in Southern Ontario but hopefully they can either help you out or direct you to a northern agent.
Good luck!!
Kevin
Candave650
New member
Brokerlink insurance broker here too
bigbadbrucie
New member
Do CAA insure all motorcycles? I wasn’t aware, or are they only doing the excess limits? Full liability as well as physical damage coverage to the bike itself?
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RodO
New member
The CAA coverage for my Spyder is identical to that on my car. I've had 2-wheel bikes insured there previously.
We get a discount because it's multi-vehicle and we've also bundled our home insurance. Because it's got Elka shocks, they added $500 to the insured value of the Spyder.
Coverages for the car and Spyder include both civil liability and damage to Vehicle for Collision and upset, and all perils other than collision or upset, and they have the same deductibles. The policy also has Accident Benefits Insurance -- which is Reimbursement of medical expenses.
I've never had a claim for a motorcycle so can't comment on that, but to this point, I'm very satisfied.
We get a discount because it's multi-vehicle and we've also bundled our home insurance. Because it's got Elka shocks, they added $500 to the insured value of the Spyder.
Coverages for the car and Spyder include both civil liability and damage to Vehicle for Collision and upset, and all perils other than collision or upset, and they have the same deductibles. The policy also has Accident Benefits Insurance -- which is Reimbursement of medical expenses.
I've never had a claim for a motorcycle so can't comment on that, but to this point, I'm very satisfied.
Watch out for shysters that have a deer clause in their policies.
I know two cases here in southern Ontario were someone hit a deer and was not covered.
The company stated that because they lived in a high deer population area, they needed special coverage.
I didn't believe it until the one guy showed it to me in the fine print.
I know two cases here in southern Ontario were someone hit a deer and was not covered.
The company stated that because they lived in a high deer population area, they needed special coverage.
I didn't believe it until the one guy showed it to me in the fine print.
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GFrog
Member
This may sound really weird but, never say that "you" hit a deer; just say that a deer hit your vehicle. Some Insurance Companies will not cover you if "You" hit a deer because "You" were at fault for hitting the deer. But if the "deer" hits you after doing everything possible to avoid it, then it's the "Deer's" fault and you will be covered by the insurances.
This actually happened to a friend of mine a long time ago. His insurance would not cover the bill because they said it was his fault for hitting the deer. "He" has never hit a deer since.
He has had other encounters with deers and other animals, but it was always them that hit his vehicle. :2thumbs:
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No, they said you needed special coverage because they live in a high deer population area.
That is what was written in the fine print.
That would mean half of Canada would need " special coverage".
Unless it was hunting season LOL
I asked our agent about and they said it BS
That is what was written in the fine print.
That would mean half of Canada would need " special coverage".
Unless it was hunting season LOL
I asked our agent about and they said it BS
billybovine
Active member
I have Intact. I hit a dog with my 2013 STL, on a Monday night. Did about $1500 damage. Next morning I called the dealer and had them order all the parts. I looked up all the parts myself on BRPs online parts catalog. Told them I would pay if insurance did not. Called the insurance Company. Adjuster called me back an hour later. He wanted to look at the Spyder at the Dealer on Thursday. I dropped the Spyder at the dealer on Thursday morning. The parts had already arrived. The adjuster approved the dealer estimate. Picked up the Spyder on Friday. All done. So I was very pleased with insurance for no BS delays. Also very pleased with the dealer.
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