FJR Owners Forum banner
  • Hey Everyone! Enter your bike HERE to be a part of this months Bike of the Month Challenge!
41 - 50 of 50 Posts

·
Registered
Joined
·
131 Posts
2016 ES Full coverage
SW Ontario
Soon to be 55.
Clean record.
Last year's premium...$955
 

·
Registered
Joined
·
37 Posts
2016 FJR 1300 ES , bought it for $11,500.00 , 67 years old ,presently clean drivers abstract , paying $ 468.00/year with 2,000,000 liability ,fully comprehensive & $100.00 deductible ,Intact insurance.
 

·
Registered
Joined
·
6 Posts
Southern Ontario registration/sticker renewal is twice the price of Northern Ontario, so I assume insurance is cheaper up north, too. For comparison:

2016 FJR, 60 years old, clean driving record, comprehensive/full coverage w/ 1,000 deductible = $1,100/year premium.

Here's another comparison: When I lived in South Carolina in 2010, I insured my 2003 FireBlade for $240/year. That's not a typo. We're talking about a 400 lb., 154 HP liter bike with no ABS, no rider aids and no traction control for $20/month. A young rider in Southern Ontario probably couldn't even GET insurance for a bike like that, at ANY price. Insurance rates in Ontario are criminal. Al Capone never had a racket as good as the Ontario insurance cabal.
 
  • Like
Reactions: mikester

·
Premium Member
Versys 1000 CBF1000 VFR800
Joined
·
9,316 Posts
Your rates are driven by your record, your area. If you have combined house/car insurance, your rates will also be lower. I unfortunately only have bike insurance, so I am in the $1000 range. Old guy 70, clean of claims. NO sense even trying to compare to any US rate.

When I wanted an FZ1, they wanted $1800 for basic insurance, classed as super sport. They've driven out the young guys with sport bikes, they pay more for insurance than a brand new bike. I know guys/girls in their 20's paying $4-5000 for non-sport bikes. I hear BC is just as bad as Ontario.
 

·
Registered
2008 Fjr1300, 2012 CBF1000
Joined
·
120 Posts
Just got my renewal documents from Northbridge Insurance. Policy includes house ,car and two bikes. On bikes, 1 Million liability, $1,000 deductible for loss or damage. 2008 FJR is $808. 2012 Honda CBF1000FAC is $761. I'm shopping around, but I don't think I'll be able to do much better in central Ontario.
 

·
Registered
Joined
·
7 Posts
Alberta, 42.
2015 fjr $452
2005 Suzuki vstrom 650 $122 (basic reqd ins)
2020 Suzuki 1050xt $400
2008 Suzuki hayabusa $435

For same insurance for the 650 vstrom in bc, I save money and can insure 4 bikes. Ontario was pretty brutal back in the day. Probably worse now. Intact insurance.
 

·
Registered
Joined
·
62 Posts
Im 64 with a clean driving record. 2018 FJR, liability only, my area is south west Ontario. Yearly premium is $711.00 with Travelers Ins. ( Dominion of Canada, underwriters ). The policy claims I have been given , Dual policy, Multi vehicle, and a loyalty discount. However I recently moved my home and cars to another provider and they made no attempt to claw back any of those discounts.

However I’m a little scared after comparing rates with my fellow Canucks about my renewal in April 2022!
 

·
Registered
Joined
·
199 Posts
2019 ES in Hamilton. 66 y/o.
Full coverage - Wawanesa.
$2M liability.
$500 deductibles.
One 10kph over speeding ticket (+ 10% to premium....comes off in Dec)
Non continuous coverage / lapse, applies to me (+15% to premium......who knows when they'll drop this).
$875, bundled with home & cage.

Allstate was much, much cheaper (bundling) until my lapse.
My last bike, '13 busa was $775. Post lapse, they wanted $2600.
 

·
Registered
'18 GL1800 Goldwing, '98 Shadow VT1100T, '16 FJR 1300 (Sold)
Joined
·
160 Posts
Somehow I missed this thread. When I had the FJR 2016 - was paying $1,200. Clean driving record, 44yo, been riding for 7 year FULL M. My buddy (who bought my FJR) is paying around the same thing, he is 35-40yo age group with a clean record. It seems to be that the insurance companies just select options from a drop down which include category, CC's of the motorcycle.

My GL1800 is costing me $1,400 for the year.
 

·
Registered
Joined
·
162 Posts
Your insurance companies are even more crooked than ours.
 
41 - 50 of 50 Posts
Top