Manitoba Riders (Ideas on how to stop Autopac from stealing from us)

[KLRTHRASHER]

Originally Posted by BOBMUNZ

Food for thought here.

Emergency vehicles, why do they have sirens? So you can hear them before it is possible for you to see them, same logic applies to a bike that is loud enough to hear from inside a cage. Bikes are small and at times in traffic fit completely in a persons blind spot, so if you can hear a bike you are more likely to notice it. I'm not talking annoyingly loud but perhaps you should see what 92 db sounds like from inside your car at road speed before you try to denounce my comment.

Point of reference, a table saw produces approximately 100db and an electric drill is about 90db.

Well put....and if loud pipes save one(your)life......

[skysailor]

Originally Posted by BackRoader

I am curious to see how far this next attempt to reduce insurance rates will go....

Given Auto Pac is one of the largest revenue generators in the Province...just think about it..... " why would they give in " . As long as the motorcycles and snow mobiles bring in outrageous amounts cash, they will contiue on. It's a captive market and there is no need to change it.

It's very simple marketing....it's where Walmart hopes to be some day....the only retailer left standing.

Sorry guy's I hate to paint a bad picture, but can't see any solution in the near future. I wished there could be one as I am about to pick up a third bike and at $4700, per annum for insurance I might have to go back to work.

My plan as of today is to walk over to the neighbourhood broker and transfer my plate...might do it 3 or 4 times a week until, "I get in tight with him" LOL

You know we love you, and all Greg. But paying 4700$ to insure motorcycles for a four-five month season is bordering on criminally insane! I've been shopping around, and I can buy a brand new, 2008 DR650, off the dealer's floor for less than 5K$! In Ontario, that would increase my insurance bill by 300$ That would be 900$ for both bikes....full coverage.

[Seamripper]

Sorry to bring up an old thread.

I too am fed-up with MPI. This fascist regime has gone too far (at least for me..)

After moving back to Manitoba from Ontario in June 2010, I was surprise that my BMW R1150R was only slightly more to insure here at around $1600 for the year. Although high, it was acceptable to me considering what I had previously been paying in ON and I knew motorcycle rates here have always been ridiculous.

Skip ahead 1 year to July 2011 (when my insurance came up for renewal) and I nearly puked when I looked at what I owed. After hearing the praise that MPI was lowering motorcycle rates to all but a few riders, I found I was one of 48 riders in the province that had their rate increase... and increase DRASTICALLY!!! It went from $1600'ish to over $2600!!! WTF!

I called and spoke with them many times and they said the reason is that my bike has been "re-classified" as a "naked sports bike". Really? A naked sports bike? The BMW R1150R only has about 86HP. It is no crotch rocket..

After debating for some time with them, they agreed it was wrong to raise the rates that dramatically without warning and they decided to grandfather me into the previous rates for one more year..

Well, this year that is about to expire. I will be forced to pay the new higher rates. No questions asked. I'm beyond fucking pissed about this shit. I hear about riders in other provinces paying pennies for insurance compared to here. What I'm being forced to pay is like buying a new bike every few years. They can't even justify the high insurance either. They don't release statistics. Common sense tells me that I'm paying for all the fucking idiot cagers who don't know how to drive in the winter months and/or are too cheap to buy winter tires for their cages. That, and lining the pockets of "the man".

The fact is, I'm a safe rider, perfect record, I'm ATGATT for every ride, I don't ride like an idiot and I don't ride just to show off like most riders in this province it seems. The other thing that bothers me is I see so many riders without helmets!! All they need is a Dr's note! Am I paying towards their medical expenses? Can someone say, double standard?!?

Anyway, that is my rant. I will be "negotiating" with them again I guess. Wish me luck.

[theshaneler]

for a sports bike, its almost cheaper to rent a dive of an apartment in Alberta, register it there and drive it here >.>

MPI is the poster child for corruption. It also shows why socialism doesn't work, when no one is competing, and the government doesn't make you produce evidence to back up your claims, you can do damn near anything you want.

currently im giving MPI $2400ish a year for my bike alone.

[Seamripper]

Originally Posted by theshaneler

for a sports bike, its almost cheaper to rent a dive of an apartment in Alberta, register it there and drive it here >.>

MPI is the poster child for corruption. It also shows why socialism doesn't work, when no one is competing, and the government doesn't make you produce evidence to back up your claims, you can do damn near anything you want.

currently im giving MPI $2400ish a year for my bike alone.

What kind of bike do you ride?

I could sign my bike over to my dad in Alberta and have him just "store" the bike here in my garage. Insurance is very cheap for him there. But, I shouldn't have to consider an action like that. Something needs to be done about this. This needs to be a fair service.

[BackRoader]

It's unlikely that we will ever see a noticeable change in bike insurance. One the provinces largest profit center will never reduce its income, that's not a good business practice to reduce profit from a susucessfull revenue stream.
Private insurance would be the only solution, however anyone under 25 will suffer.
Moving away from Manitoba is a thought!!!

[Tothelake]

I knew someone who took a job at MPI head office.......after 4 months of not having anything assigned to him he quit.....in a real business they would not survive. That being said I have a 2nd residence in Ontario.....wondering if the lower income taxes and insurance rates would pay to make it my primary address. The only problem with that would be accesses to medical services.

[theshaneler]

Originally Posted by Seamripper

What kind of bike do you ride?

kawi ninja 400r

yes it is a sport bike, but it falls in the lowest CC category, that was actually the reason i bought a 400 and not a 600+ bike.

[Cal]

I never knew the rates were so high in Manitoba!! Whoaa.. What kind of jobs do you all have? $70.00 an hour?

[BackRoader]

Originally Posted by Cal

I never knew the rates were so high in Manitoba!! Whoaa.. What kind of jobs do you all have? $70.00 an hour?

We have to be creative. I have 5 bikes and the insurance would be over $5,000.00 per year, so I move plates and insure 1 at a time.

[trialsntribulations]

Just received my MPI notice and from last year to this year I will be seeing a 40% rate increase. Insuring a 2006 KTM 950 Adventure. Anyone else seeing this kind of increase? Total cost $1969 before my discount of $581 for max merits.

[theshaneler]

according to the MPI insurance calculator my annual payment has gone up $7. that being said, its also saying last years payment was $1254 less than what they actually charged me.
not sure if this calculator is just inaccurate as all hell or they just have it come out with lower costs so when people look it up, it doesn't seem that bad. I'm HOPING that my rates come in much lower as i am now 25 and am no longer in the "highest risk" category. I'm still pissed, but not to much, as it looks like I am moving to Alberta in late spring/early summer.
good bye socialism!

[Lycan1]

Originally Posted by theshaneler

according to the MPI insurance calculator my annual payment has gone up $7. that being said, its also saying last years payment was $1254 less than what they actually charged me.
not sure if this calculator is just inaccurate as all hell or they just have it come out with lower costs so when people look it up, it doesn't seem that bad. I'm HOPING that my rates come in much lower as i am now 25 and am no longer in the "highest risk" category. I'm still pissed, but not to much, as it looks like I am moving to Alberta in late spring/early summer.
good bye socialism!

I moved from Winnipeg to Calgary 17 years ago. The magic number out here is 8 years of clean driving (as opposed to 5 in Manitoba for the best rate / max discount.) Be sure to get a letter from MPIC showing your past record, they would only give me one dating back 5 years at the time, so I had to wait 3 years to get a really good rate out in Alberta. That said I now pay 1/3 of what it would cost me in Manitoba for full coverage on my vehicles. It should be noted I have 25 years now without a claim or ticket.

[Lycan1]

Originally Posted by trialsntribulations

Just received my MPI notice and from last year to this year I will be seeing a 40% rate increase. Insuring a 2006 KTM 950 Adventure. Anyone else seeing this kind of increase? Total cost $1969 before my discount of $581 for max merits.

I have a 2009 KTM 990 Adventure and pay $580 for full coverage in Alberta (Intact insurance). MPIC are still thieves I see. Can't say I miss them.

[trialsntribulations]

update: got it renewed and paid $1094 with fire, collision, & theft coverage. The estimate they sent in the renewal notice was off by that much for some reason. So, while it is still high, it went down a bit from last year.

Now, as to what is happening in Saskatchewan, that is another story . . .

http://www.cbc.ca/news/canada/saskat...ates-1301.html