It's that time of year when insuring your ride is on your mind. We here in the great white north have been suffering from PMS - Parked Motorcycle Syndrome, we have indulged in SOS - Shiny Object Syndrome to try and assuage our needs through the various motorcycle shows but NOTHING replaces our ride...
Having said that there have been a number of emails circulating where in people are "Bit#hing, grousing and grumbling" about insurance. It's cost, it's coverages and the companies and brokers who sell it.
A number of provinces have government insurance and unfortunately if you choose to live there and you want to ride you are going to pay through the nose - literally - I am referring to Quebec predominantly.
Hubby and I had toyed with perhaps moving back to Chomedey QC or back to Mara Lake BC and both got vetoed once we discovered the insurance costs and costs of owning a home there. Just not in our financial futures...
Insurance is an important purchase and I want to have some honest discussion - I do not want company bashing - I want discussion on the kinds of insurance you have, the cost, the coverage.
We need insurance reform in Canada - we ALL know that. How do we do it is the biggest question. Each province has its own set of rules and laws...But perhaps if we start some thoughtful and honest discussion, solutions and ideas will present themselves that will help you, me and every rider out there get a better bang for our buck and ensure that when an accident happens we have the help and funds we need to look after ourselves.
Richard Spinz started some major discussion with Bruno from Ryder's Roost and has agreed to have his thoughts printed here - he is from Ontario -
BIKE INSURANCE
I have been looking around for years for a company that will give me 2nd bike insurance at lower than the full price premium...no success. Every company I have queried has asked for FULL PREMIUM for a 2nd bike even though I argue that I am the only rider and can only ride one bike at a time. Though I am in my 60`s with an excellent driving-riding record and NO CLAIMS, no matter. Full fare is demanded by every company. It makes me believe there is collusion and price fixing in the insurance industry. How to prove that, who knows. What to do about it, who knows. I know the prov. govt. is not going to do a damn thing about it. One never bites that hand that feeds you...and insurance companies, undoubtedly financially support political parties in power during every election campaign. Chris Hedges, an American Pulitzer Prize winning author writes a superb book, The Empire of Illusions, about the conspiracies behind every scene in the United States...TV, media, govt, oil, welfare support, health financing, and he would likely agree, in the insurance industry.
The only ``out`` for me with the insurance would be to take ``strictly liability`` coverage and even then the premium of $1200 a year drops by a mere $100...great deal !!! Ask me if I am discouraged. Ask me if I am upset. Almost makes me want to consider whether riding is worth all the cost. At the moment, I can still afford this luxury...for how long.
It is sad that the little man really has no recourse to the Bull Shit behind the insurance industry. I guess if they really jacked up premiums for those who make claims or push for big time health compensation, the companies wouldn't make enough profit to satisfy their shareholders. So instead, lets just bash everyone with little bumps to premiums. There is nothing those poor slobs can do about it except pay. That`s me baby !!!
Richard Szpin
So let's talk about insurance, your needs, your coverage and the costs...hopefully I will be able to get some brokers from the various provinces to weigh in on this discussion!
If you wiegh in on the discussion I want to know:
Where you live - province..
What you ride...
What you are covered for...
What kind of driving/riding record you have - don't need details just...speeding tickets, clean record etc...
How much you pay... and then your thoughts on this touchy and volatile subject!
In the news today:
If like me you can not ride - the Beat the PMS Blues on Line Show 'n' Shine is a good place to go and day dream - vote on some bikes and help someone win some prizes. We did have a couple of kinks with the voting - you can only vote once per picture in a 24 hour period...
If you feel you got cheated out of some votes on the 3rd because of the little hiccups we experienced when we kicked off the voting, have your friends email our web mistress to tell her which picture and class and she will add the vote from the admin screen - we can't have anyone upset - this is supposed to be fun! (ali4evr@gmail.com)
If you are fortunate enough to be riding today - I don't want to hear about it but I do want you to ride like everyone around you is blind and can not see you.
Have an incredible day...
Belt Drive Betty
National VP - Alliance of Injured Motorcyclists Canada