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Old 03-08-2013, 06:17 PM   #1
Crashpad OP
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Looking for tips on insurance in BC

Hey thought I would try the group brain on insurance in BC. I just got a quote from a place called beacon and they are $600 a year less then ICBC, anybody have any luck with other insurers in BC for the supplemental stuff?

Just looking for more options, as the $150 a month from ICBC for my KLR left me feeling a little violated.
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Old 03-08-2013, 07:54 PM   #2
DNF
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BC bike insurance, bend over....


I found MegFitzpatrick a bit cheaper than Beacon when I had my Duck and my Harley. Get the minimum with ICBC. Secondary insurer for the rest.

I pay $160 for seven months of my 08 WR250r with ICBC. No collision, 2 million. But it is 249cc and the whole BC system is based on cc.
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Old 03-08-2013, 08:06 PM   #3
Kevin C
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You have to have basic insurance and liability with ICBC.
You can then use a secondary source for collision etc (beacon megson etc)
As stated-----Bendover
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Old 03-08-2013, 08:07 PM   #4
Steve G.
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I've got one friend who is treated very well with Beacon Insurance,,,and another buddy who does well by Chutter Insurance. Also, Coast Capital Insurance.
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Old 03-09-2013, 02:55 PM   #5
CordR
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To echo everyone else, basic with ICBC then it would seem the next most popular for bikes is either Beacon or Megson Fitzpatrick.

I've got 2 bikes insured with Beacon year round.


C
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Old 05-18-2013, 06:36 AM   #6
Chr!s
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Quote:
Originally Posted by CordR View Post
To echo everyone else, basic with ICBC then it would seem the next most popular for bikes is either Beacon or Megson Fitzpatrick.

I've got 2 bikes insured with Beacon year round.


C
Are Beacon or Megson 'good' for all bikes genres and sizes?...i'm bringing a Tuono V4R over from Ontario, hopefully to live in VI so can anyone recommend a sports bike friendly insurer?
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Old 05-18-2013, 07:36 AM   #7
Steve G.
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Originally Posted by Chr!s View Post
Are Beacon or Megson 'good' for all bikes genres and sizes?...i'm bringing a Tuono V4R over from Ontario, hopefully to live in VI so can anyone recommend a sports bike friendly insurer?
ICBC will not refuse insurance to anyone, and they insure a bike on enghine size, not capability or segment. All the private insurers have black listed bikes, and age restrictions, etc.
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Old 05-18-2013, 08:54 AM   #8
Commuter Boy
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ICBC does not discriminate against the type of bike, only by cc.

FWIW, while it's public insurance, it isn't anything like "Facility" insurance in Ontario. It's a great system on average, which means everyone who has a high risk vehicle, and high risk drivers (think teenagers and 20 year olds) gets a great deal, and crusty old geezers with 33 hp cruisers complain endlessly they get shafted
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Old 05-18-2013, 07:50 PM   #9
GISdood
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Same as others have mentioned - I carry only the basic 3rd party liability/registration with ICBC and then private through Beacon for collision, theft, fire, storage, etc...

Extra benefits of private insurance include coverage for the bike if its damaged while transporting it, if you have a utility trailer you can add that to the policy for next to nothing, and it also covers up to $1000 in riding gear replacement.

Our annual policy with Beacon only costs us $350/year to cover my 2002 DR650 and my wife's 2008 DRZ400SM, combined. The additional cost (over and above basic registration) to get the same level of coverage for both bikes during the riding months and then theft/storage during the off-season would have totaled around $750.
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Old 05-18-2013, 10:03 PM   #10
Lornce
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Does ICBC post a list of their basic rate structure on the net.

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Old 05-19-2013, 06:40 AM   #11
Steve G.
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Originally Posted by Lornce View Post
Does ICBC post a list of their basic rate structure on the net.

Not their rate amount. Pretty sure their rate classifications on engine size are as follows: 50cc-185cc, 186-400, 401-750, 751-1150, and 1151cc and up.
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Old 05-19-2013, 08:54 AM   #12
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From ICBC
"Rate class 310 is for motorcycles with an engine of up to 110 cc, and limited speed motorcycles. Limited speed motorcycles are not more than 50 cc, have a power drive system that doesn’t require clutching or shifting once the drive system is engaged, have a maximum attainable speed of 70km/h, a maximum weight of 95 kg excluding fuel or batteries, and wheels with a diameter of 254 mm or more.
The other 4 rate classes for motorcycles are:
311 (111–400 cc)
312 (401–750 cc)
313 (751–1150 cc)
314 (over 1150 cc)"

I wish there were more 400cc bikes out there, seems like a forgotten displacement as of late.
ICBC won't mention basic rate structure on the net. It changes from one region to the next. I am not sure how many regions there are. Prices fluctuated quite a bit when I moved to Vancouver from the Island.
As mentioned previously, Coast Capital Insurance might be worth a look as well.
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Old 05-20-2013, 08:10 AM   #13
Chr!s
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Thanks for all the replies folks, appreciate it.
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Old 05-20-2013, 08:42 PM   #14
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Gosh...I just insured 11 vehicles for liability and underinsured motorist, including a 2009 diesel pick up, 2009 Cobalt SS, FZ1, Versys 1000, KLR650, KLX400 (yes, it's plated), others, for $2,311 per year. In simple terms, that's $210 per vehicle. For that rate, I just leave the bikes insured all year. Anybody want to move to the Yukon? And have you read about SGI going after motorcycles? Motorcycle Mojo had an editorial on what seemed like outrageous pricing.
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Old 05-20-2013, 09:54 PM   #15
Steve G.
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Quote:
Originally Posted by aquadog View Post
Gosh...I just insured 11 vehicles for liability and underinsured motorist, including a 2009 diesel pick up, 2009 Cobalt SS, FZ1, Versys 1000, KLR650, KLX400 (yes, it's plated), others, for $2,311 per year. In simple terms, that's $210 per vehicle. For that rate, I just leave the bikes insured all year. Anybody want to move to the Yukon? And have you read about SGI going after motorcycles? Motorcycle Mojo had an editorial on what seemed like outrageous pricing.

Kewl, you ride all yr then????

Yeah, we get nailed down in the southwest of BC. 2.7 million drivers stuck in a 70 mile circle. We can take advantage of collector plates here for older stuff. I've got 5 bikes on 1 plate for $500/yr.
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