TOPIC:

Yes, that's the one, the 'multi vehicle' option. It just didn't fill the blank spot in my mind when writing Thank you Bucko for filling it in

I talked to someone, not from here, who said you'd usually get one license plate for multiple motorcycles and just mount it on the bike you are going to ride.
Of course we are clear it doesn't work like this here.. I don't remember if it was Europe or States now...

You're right about the ultimate safe excuse for not sharing your bike! haha Not that I am so possessive, but I came to the realisation that when a freak accident happens, my bike would be out of commission and I would have nobody else to blame but myself and question my buddy. I would still let some people to test ride my bike, but not a long trip anymore.

As to the fees... It is very expensive here in comparison. I think Quebec might be close to here (Vancouver, BC), but their insurance includes lots of extra perks, as accident coverage and such. I don't really know the details.

I was told it's expensive in BC because of the longer riding season. Which I think is just an excuse to charge more. There was a thread on a Vmax forum (a 1200 cc 145 H bike), and between the USA, Australia, and Europe, the maximum was around 600 dollars. People quoted 2 - 300 on average a year!!! And I am talking about a daily rider in places with no winter.

To put things into perspective, I am paying exactly $1463 a year JUST for basic ICBC government run insurance which gives me license plate and no collision (a1200 cc bike). That's including the 43% discount The license fee $33 (???). On top of that, I pay $226 a year for private collision coverage to my bike. Plus policy fee $25. (deductible $500). There are always those 'extra fees' that make no sense except being the same concept as displaying cheap price tags without taxes and 'extra fees'. Just looks good for presentation, a magnet.

Now. Collectors plates are, I mean one that I have, $256/year. Plus 'annual license fee' of $35.

We drifted away from the subject but I think it's equally interesting, haha I just wish it would be just as clear and easy s the decals

StanG wrote: ...I was told it's expensive in BC because of the longer riding season. Which I think is just an excuse to charge more. .....

I agree. I grew up in the east and I got a lot more of a riding season in when I lived there than I do living here, and to add insult to injury, my insurance was a lot less.

I spent six years in Toronto. Definitely more sunshine. Last winter in BC was terrible. There were months when I was the only bike on the road and the bike wouldn't warm up. I had to cover partially the radiator. and it's already getting cold now.. Thinking of actual good riding weather, it seems very short here..

Motorcycle insurance is indeed a big topic, because most of us pay a lot for it. Here in Canada , of the four western provinces that I'm somewhat familiar with, only Alberta has private insurance for vehicles, the other 3 are run by the provincial governments. Here in Saskatchewan, SGI are the only game in town. In BC there is a combination of both govt. and private - with the govt. taking on the basic insurance/ licencing of all vehicles then private options from there.
The single biggest reason for the huge range in insurance premiums is because of what you get for what you pay.

Here in Saskatchewan my Hayabusa costs $220.00 per month. That is alot of money -especially in view of the fact that I ride it one day a week for the four weeks - sometimes two days a week. But no riding to work. So the insurance costs more than the gasoline I put in the tank for that day. The kawasaki is $97 a month for the same coverage. So it's evident that sport bike riders are a far higher liability for the insurance industry regardless of age or safe driving record.
But here's the kicker. In view of my age, if I get injured on the bike it will take quite awhile for me to recover- old folk don't heal like young ones. So I take the maximum
coverage I can get. So for that cost I get my wages covered, the right to sue, all medical costs, long term disability, pretty much everything.
When I ask my buddies in Alberta , who are paying less than $100 a year, what they get for personal coverage, they have no idea .

The biggest single cost in a bike accident is the personal injury cost- the property damage or damage to the vehicles only takes a small part of the premium costs.
And sadly, over the years that I've looked at bike accident surveys, the biggest single cause is a single vehicle accident- in other words the rider crashes on his own caused by himself. The second biggest cause is a vehicle approaching from the opposite direction and turning across the path of the bike.
So the moral of the story is - count the cost to yourself and insure accordingly - and make sure you know what you are covered for.

The prices some of you guys are paying for bike insurance is highway robbery. $220 a month for your Busa? Damn. I pay $430 for the YEAR. As I said my 1300 is $190 a year and it was the same before and after my antique plate. The insurance company only wanted to know how many kilometers per year I ride each one. I selected 6000 kms for both so 12K total which is pretty spot on for my normal year.

Our antique plates, bike or car are $19 per year. They expire in December regardless of when issued. Regular motorcycle registration is about $50. It also expires in December.

Normally we are hosed for everything on the east coast but clearly we are getting break on some things.

Just to show you more 'extras' to paye here, gasoline (87) cost about $1.39/liter in Vancouver. I think I've heard it's around $0.98 in Ontario?