Insurance (Ontario) - ZX6R Forum
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post #1 of 24 Old 03-21-2016, 10:25 PM Thread Starter
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Join Date: Mar 2015
Location: Hornepayne
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I Ride: 2002 ZX6R
Insurance (Ontario)

So I'm with State Farm, only reasonable company for riders in Ontario. They were bought up by Certas/Dejardins and my policy renewal is going up just over $1,000

Been calling around and seems like many companies won't insure a sport/supersport 600cc+ or I'm paying a ridiculous amount. I bought the bike for $2600, no way I'm paying $3,000+ to ride in Northern Ontario



Anyone know of any good insurance companies worth a try? Have your rates been going up as well? Talked to a few who ride cruisers and they've been seeing huge premium jumps in the last few years

2002 ZX6R - 636 headers, TBR Black Series M2 CF can, jetted.

New rider
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post #2 of 24 Old 03-21-2016, 11:24 PM
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The only other company I heard that gave half-decent rates for sport bike riders is TD. It also helps if you have professional designation, such as being a Professional Engineer, as it helps with the rates a bit.
For my 2015 ZX6R I'm picking up next month my insurance guy quoted me $1500/yr which I can stomach.
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post #3 of 24 Old 03-22-2016, 01:30 AM
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Allstate is decent from what I've heard but it just really depends on factors man.

If you're under like 30 you get it from insurance without lube..

I'm under 30, clean record, riding for 4 years, have had my G license since 16... I got quoted by Aviva at like $4959 ATM I'm with statefarm and it's looking like I'm going to be paying like 3000 a year... I'll def be shopping around but I don't know, rates are starting to look terrible for supersports, at least in Ontario.
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post #4 of 24 Old 03-22-2016, 05:00 PM
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25 is the magic age. When I hit 25 my insurance drops from $3500/yr to $1500/yr for my Ninja.
Same story... G license since 16, squeaky clean record.
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post #5 of 24 Old 03-22-2016, 07:35 PM
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HUB i=International. I was with Aviva paying 222$ a month for liability only. 32 years old No tickets no accidents no claims, 3 star rider with course. I switched to HUB cause the broker quoted me 75$ a month, first one came out it was only 57$.. Im a happy guy!
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post #6 of 24 Old 03-25-2016, 07:37 AM
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Originally Posted by valsidalv View Post
The only other company I heard that gave half-decent rates for sport bike riders is TD. It also helps if you have professional designation, such as being a Professional Engineer, as it helps with the rates a bit.
For my 2015 ZX6R I'm picking up next month my insurance guy quoted me $1500/yr which I can stomach.


I agree. I'm with TD and I pay about $1000 a year for full coverage.
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post #7 of 24 Old 03-25-2016, 08:53 AM
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I Ride: 2015 Kawasaki Zx6r
Dalton timmis gave me the best quote for being 20 no tickets at 5g a year but that was too much ... transferred owenership to my father now im paying 1g a year

Only at peace on 2 wheels in a lean.
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post #8 of 24 Old 03-30-2016, 04:30 PM
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Insurance Fu increase.

I have a few feelers out there... but I've heard about Mantha Insurance. I received a quote that was a little increase, but nothing like SF.

I also sent info to HUBI but no response yet..

good chance I'm going with Mantha!
insurance what a pain..
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post #9 of 24 Old 05-08-2016, 09:42 AM
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I got screwed by all state sine they've been bought out. 25 Yr old nurse here. I pay like 2800 for the bike. Allstate quote me 2000 Sonim switching to them.
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post #10 of 24 Old 05-18-2016, 02:49 PM
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anyone have any idea how much id be paying? im 17 about to turn 18, getting my G1 and M1 next week, looking to buy a 2010-2016 ZX6r abs, no criminal record(as of right now) lol jk. ive contacted several places but they never get back to me. can anyone help? im looking to buy it as my bday present/ grad present.
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post #11 of 24 Old 05-18-2016, 04:55 PM
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Originally Posted by CloudMaker View Post
anyone have any idea how much id be paying? im 17 about to turn 18, getting my G1 and M1 next week, looking to buy a 2010-2016 ZX6r abs, no criminal record(as of right now) lol jk. ive contacted several places but they never get back to me. can anyone help? im looking to buy it as my bday present/ grad present.
In sorry to tell you, no one is gonna insure you on a 6 at 17 years old.... If you do find anyone willing, you're gonna pay 10 grand a year.. At this point in time I'm afraid, it just wouldn't be worth what you'd pay. Besides... I'm not entirely sure you Know what it is you're getting yourself into... Have you ever owned or ridden a motorcycle? If the answer is no.. I'll stop you there Nd tell you right now, this is an idea you ought to let go of for another decade. Also.. I'm really sorry to be that guy, last thing I wanted to do is crush your dreams... Have you looked into a grom or something similar?

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post #12 of 24 Old 05-18-2016, 05:07 PM
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he is so right, ontario sucks for motorcycles, im 28 clean record and m1, ive ridden my whole life but insurance doesnt care as their is no proof ( used to get my m1 every year as the riding season isnt that long and it only cost 17 bux) but this year everything has seemed to change, I have a zx6r 636 no one was willing to insure me for less then 5000, i lucky found a loop hole and insured it through my company at a reasonable price, good luck. call dalton timmis if they cant help you no one can, you need at least a m2 with a rider safety course
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post #13 of 24 Old 07-19-2016, 01:22 PM
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I can vouch for that too. TD Primmum provides reasonable rates if you bundle-in with car and home insurance. I too was with State Farm for the -15 riding season and the substantial rate increases across the board for sport and supersport bikes unfortunately made it it cost prohibitive to stay with them.
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post #14 of 24 Old 07-19-2016, 04:40 PM
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I can vouch for that too. TD Primmum provides reasonable rates if you bundle-in with car and home insurance. I too was with State Farm for the -15 riding season and the substantial rate increases across the board for sport and supersport bikes unfortunately made it it cost prohibitive to stay with them.
Yea it's so fckin ridiculous! Certas purchased StateFarm and now instead of $1500 my rate will be $2700 after September. I need to find someone else but all quotes I got were pretty high...
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post #15 of 24 Old 07-19-2016, 06:42 PM
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Originally Posted by valsidalv View Post
Yea it's so fckin ridiculous! Certas purchased StateFarm and now instead of $1500 my rate will be $2700 after September. I need to find someone else but all quotes I got were pretty high...
HUB International. 675 a year for me. As per my new policy that is
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