Insurance for my kid

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Re: Insurance for my kid

Postby RLefebvre » Thu Jul 16, 2020 3:02 pm

Just got off the phone with NFP which used to be Dalton Timmis, and spoke with Kyle Brown who handles the off-road bike program which many have probably heard of. Had a long conversation with him.

So they do insure off-road bikes, but it's similar to TD. They don't distinguish on/off road, so you're paying for a road policy. He said something like a CRF110F, if somebody in the house has an M license with 3 stars, is typically around $250, which is similar to TD. If you don't have your M license... going to be much worse.

However, two important points to know: They do not sell insurance for kids under 10. And they do not sell insurance for bikes under 100cc. Similar stupid thinking as Desjardins. They assume that size goes with cc, and trying to avoid kids they set the limit at 100cc. So I could insure the CRF110F for my 10 year old, but not the CRF80F for my 14 year old. So this isn't an option for us.

Also remember that to get this policy in any case, you have to bring your home and auto insurance over as well.
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Re: Insurance for my kid

Postby Trevd » Thu Jul 23, 2020 9:46 am

manotickmike wrote:I don't have any "skin" in this game, but unless something changes, this sport sure will.
Shrinking areas, shrinking access, increasing legislation, and no viable way to be legally compliant is going to terminate the entrance to the activity.


You said it.

I took my 50 year old buddy out the other day to Limerick to ride my daughter's CRF100. It was his first time on a motorcycle in 15 years, and first time (ever I think) on a dirt bike. He bought the Limerick Forest/OFTR 2 day pass for $35 so he could ride. My daughter's bike is "grandfathered" in with Desjardins so it's insured.

He had a great time, was pretty cautious as newbie 50 year olds probably usually are, but had fun. He's a small guy, so the 100, while small, was probably perfect for his first time out, and would probably be good for him for a while. I was thinking yesterday that if he wanted to get into this seriously and buy a bike, he would have issues. He would probably be better off for the first year on a 125 or a 140 or 150. But because of the insurance situation, he would probably have to start on a 230, the smallest bike he could buy and properly insure for a reasonable amount. A 230 would probably be quite intimidating for him, not to mention more expensive to get into. It would probably also be more dangerous for him. So he may just forget about the whole thing altogether. Or buy the 230, scare the crap out of himself a time or two, and then give up.

So instead of having a potentially new rider starting out small and improving his skills before moving up to something bigger, we may have a new rider who gives up before he even starts, because of insurance issues. I'm not saying that will happen with this guy, but I could totally see it happening, either with him or with someone else.

The insurance industry is actually harming itself while it encourages people to start on bikes that are too big for them, which will slow their learning curve, which will theoretically increase the odds of them causing an insurance claim. Unless the insurance industry is just trying to eliminate dirt riding altogether, and is just taking the long approach, so that in 20 years all of us old guys won't be in it anymore and there will be no young ones able to start up.

Frustrating to say the least.
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Re: Insurance for my kid

Postby mart242 » Fri Jul 24, 2020 11:40 am

Trevd wrote:The insurance industry is actually harming itself while it encourages people to start on bikes that are too big for them, which will slow their learning curve, which will theoretically increase the odds of them causing an insurance claim. Unless the insurance industry is just trying to eliminate dirt riding altogether, and is just taking the long approach, so that in 20 years all of us old guys won't be in it anymore and there will be no young ones able to start up.


Let's be realistic, I doubt that many people will ever claim for an off road accident if they ever want to keep riding after. A single claim would likely be a death sentence with regards to insurance. They are simply avoiding off road insurance because it's too much of a hassle for too little return
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Re: Insurance for my kid

Postby mart242 » Fri Jul 24, 2020 11:44 am

Trevd wrote: I took my 50 year old buddy out the other day to Limerick to ride my daughter's CRF100.

One more thing: check the weight limit on the CRF100.. if it's like the 110, it will be quite low...
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Re: Insurance for my kid

Postby RLefebvre » Mon Aug 03, 2020 2:41 pm

mart242 wrote:
Trevd wrote: They are simply avoiding off road insurance because it's too much of a hassle for too little return


I don't think it's that. If it were, they would not be selling my Dad vintage motorcycle insurance for his 1967 CB175 for $80/year. And they seem happy to do it, as they didn't try to force him to bring all his policies over, or not. IMO, this is just an example of the privilege of being an old white guy doing old white guy things. (And I say that being a middle-aged white guy)

Anyway, I thought I came back here and updated before but I guess I didn't.

I ended up being able to buy a policy for the family dirtbikes from TD Insurance. Came out to $200-250 each. That's more than I was paying at State Farm, $80. But... it's the only option now. Basically the deal is, they are all insured under my name. TD does not distinguish for off-road or on-road. They're all assumed to be on-road. They offer OCPF 32 for $0, which means everybody else is actually covered while off-road. I'll also be switching my street bikes, and probably my home and auto with them as well as their rates are pretty good. With the savings I will get on the auto policies, it will effectively cut the cost of the dirtbike insurance in half. So overall, it's not terrible.

So that's that. Go to TD while you still can. FYI, I also talked to the dirtbike guy at Dalton Timmis. Their prices were similar to TD, but they *force* you to bring everything over, and their auto rates were high.

Now that the weather has cooled off for a bit, we're off to Limerick!
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