Insurance for my kid

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Re: Insurance for my kid

Postby oldschoolktm » Sat Jul 13, 2019 4:55 pm

I am with Mark Reid. State farm and have everything with them for 15 years now. Just a call away for my daughters bike ttr50.
Chris
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Re: Insurance for my kid

Postby oldschoolktm » Sat Jul 13, 2019 5:13 pm

KTM 525 exc, KTM 300xc w
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Re: Insurance for my kid

Postby oldschoolktm » Sat Jul 13, 2019 5:21 pm

Sorry,
Try Chris Krasilczuk!
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Re: Insurance for my kid

Postby Torpedo » Sat Sep 07, 2019 9:10 am

I'm just about to give up on getting my little guy a bike this year. I have literally called a dozen companys looking for them to insure a 50cc for my 5 year old. Not a one will. Most won't even insure my biking with a "underage" person living at the same address.

I've tried, Chris mentioned above who won't. I've left three messages at Dalton Timmins. I cannot get through on the regular lines.

I'm getting desperate and really want to get my little buddy into the sport..

If anyone knows who will and has direct contacts please share or feel free to email me (king.mp@me.com)
-Michael "MP"

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Re: Insurance for my kid

Postby Torpedo » Mon Sep 09, 2019 4:49 pm

Reid & Bradley's (Orleans)
Dalton Timmis
Desjardins
George R.
BrokerLink
Palladium

All firm no for kids under 10 on dirt bike.

Anyone know of anyone else I should try?
-Michael "MP"

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Re: Insurance for my kid

Postby Trevd » Thu Jan 02, 2020 10:47 am

I had the same problem getting my kid insured this past year. I had had insurance on his ttr-50 a couple of years ago for his sister, with State Farm, but didn’t renew for a year because she wasn’t interested and my younger son wasn’t old (responsible) enough yet.

When I called State Farm again to re-insure the same bike, the told me they can’t. If I had had continuous insurance they would have been able to grandfather it in, but since it was a new policy, no-go. Called several other places, and couldn’t find anyone who would. Pretty frustrating.

I’ll probably be trying again this year, but kind of expect the same results. The fun thing is that his 13 year old sister is interested again so we’ll see if I’m able to insure a 100cc for her.
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Re: Insurance for my kid

Postby SkyHawk » Thu May 14, 2020 7:29 pm

Has anyone figured this out yet. Called around to many places all week. Spent alot of time on phone. Still have nothing. Suggestions? Anyone successful this year? Last year?
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Re: Insurance for my kid

Postby rossw » Fri May 15, 2020 6:35 am

To the best of my knowledge there are 2 options if your children are 12 or older.

I think the average is about $100/year, and an M1 or M2 is not required.

The problem you are hitting, and everyone else is too, is that not many insurance companies want to insure dirt bikes.

These are the two I know of:
https://www.nicolemccann.ca/
Nicole McCann
905-898-4009
nicole.mccann@desjardins.com

https://www.daltontimmis.com/
Kyle Brown
888-385-8466 ext 7445
kyleb@daltontimmis.com

I must warn you they will want more than just your dirt bike business ;-)

Ross
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Re: Insurance for my kid

Postby SkyHawk » Fri May 15, 2020 9:53 am

Yeah. I've called both those guys already. No go. Our system is broken. I guess I made a bad purchase, should have just bough another iPad.

Keep me posted if anyone has any success...
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Re: Insurance for my kid

Postby rossw » Fri May 15, 2020 9:55 am

SkyHawk wrote:Yeah. I've called both those guys already. No go. Our system is broken. I guess I made a bad purchase, should have just bough another iPad.

Keep me posted if anyone has any success...


I am surprised that neither of those have worked for you.

Are your children under 12?

I agree something has to change with insurance of kids. There needs to be more options available.
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Re: Insurance for my kid

Postby SkyHawk » Fri May 15, 2020 10:04 am

Yes. I am trying to insure a 50cc dirt bike for a 7 year old girl. No go anywhere, yet the law requires it.
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Re: Insurance for my kid

Postby SkyHawk » Fri May 15, 2020 10:28 am

O.P.P. officer told me the fine is $325. So I guess I'll carry that amount around with me when we got out... Impossible to follow this law...
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Re: Insurance for my kid

Postby Terry » Fri May 15, 2020 10:39 am

The work-around I have heard people using is to tell the insurance company that it's your bike and that you will be riding it. Don't even mention the kid. The pink slip they give you is then presented to the cop as needed. I'm not telling you to do this or that it is guaranteed to work but I do know of people that do it. I got lucky when my kids were young and found a policy with the appropriate endorsement without having to move my other insurance business to them but I couldn't do that now. This is the sort of crap we pay OFTR to try to fix.
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Re: Insurance for my kid

Postby rossw » Fri May 15, 2020 10:51 am

SkyHawk wrote:Yes. I am trying to insure a 50cc dirt bike for a 7 year old girl. No go anywhere, yet the law requires it.

It is super frustrating.

Hopefully the OFTR is working hard on addressing this problem. It limits growth of the sport at the youth level, and in your case a female which we need more of in the sport.
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Re: Insurance for my kid

Postby SkyHawk » Fri May 15, 2020 10:55 am

Problem is we are trying to be law abiding and legal... We don't want to have to bend the rules. Insurance companies are telling me that they don't insure 50cc period...
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