Help on moving to Canada! - Stromtrooper Forum : Suzuki V-Strom Motorcycle Forums
Canadian Troopers For those up north!

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post #1 of 19 Old 02-01-2014, 06:10 PM Thread Starter
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Help on moving to Canada!

Hi,

I'm from England, UK and currently ride a DL650 L0X and will hopefully be coming over to Canada at the end of this year for around 2 years.

I'm looking for information on how car and bike insurance works over there. I will be looking at getting a car and possibly a bike. What are the best insurance brokers to go through? anything to look out for when buying insurance? and finally is it expensive? I currently pay 1000 for a Nissan micra insurance for 1 year and 240 for a DL650 L0X for a year.

I'll be looking at going to either Ontario or Vancouver. All depends on where I can secure a job.

I hope to hear back from some of you and possibly see you out and about on a vstrom.

Ride safe,

James
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post #2 of 19 Old 02-01-2014, 06:25 PM
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If you end up in Vancouver, you will have to pay the Insurance Corporation of British Columbia (ICBC, or "Icky Bicky) ICBC | home a wack of cash for your basic third-party liability insurance and registration. If you wish to also purchase comprehensive insurance (theft, vandalism, fire, etc) you can get that through ICBC or a private broker such as Megson Fitzpatrick Home - Megson FitzPatrick - Megson FitzPatrick

In BC, motorcycle insurance rates are tied to engine size. A 650 is cheaper to insure than a 1000. You'll pay more to insure the bike here than you do at home, less for the car.

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Last edited by larolco; 02-01-2014 at 06:27 PM.
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post #3 of 19 Old 02-01-2014, 08:57 PM
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In Ontario, the rates might be pretty close to what you are paying now proportionately to the currency difference. Might even be less for the bike - most riders here pay less than $1000CAN for a year of insurance and many down in the $500-700 range. A car like the Micra should be around $2000 CAN/year.

Insurance is usually based on driving record, type of bike, engine displacement and more. It varies from company to company and is almost strictly done through private companies. In Ontario it really makes a difference to get a few quotes from different companies or brokers.

Some insurance companies will also give you a discount on insurance if you take a new riders course. For me, the money I spent on taking the course, was saved in the premium cost of my insurance during the first year of riding, although I'm not sure how it would apply to UK riders. I met a guy from Australia who used to race over there and when he came here he took a new riders course just for the insurance discount.

You can find a wealth of information on the subject specific to Ontario here: Insurance

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post #4 of 19 Old 02-01-2014, 10:21 PM
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I live in Toronto, an expensive area to have insurance, and we pay about the same as you for a small car and a V-Strom. A bit less for the car...a bit more for the bike.
As Juan (Shane) says, it pays to do your homework.
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post #5 of 19 Old 02-01-2014, 11:20 PM
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In Canada as you can see, a lot depends on which Province you live in. Each one is different and unique.....

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post #6 of 19 Old 02-02-2014, 09:17 AM
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Originally Posted by gryphon51 View Post
In Canada as you can see, a lot depends on which Province you live in. Each one is different and unique.....
Except Ontario, it's not different at all...




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post #7 of 19 Old 02-04-2014, 06:29 AM
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Hello James.
As an Ontarian (near Toronto) I suspect your insurance rates will be somewhat comparable.
If you've not been over here before be prepared for a few things:
- the place is BIG (if I'm not mistaken your present location is closer to Toronto than Vancouver is)
- the car drivers here are far less motorcycle savvy than in the UK (last time I was over was in the late 80's) and based on my outdated comparison ours are far less skilled
- texting while driving has reached epidemic proportions and is something I see evidence of every day on my daily commute (about 200km round trip)
- our gas is wonderfully inexpensive (thus the 200km commute) at about $1.30/litre
- We drive on the wrong side of the road (sometimes on both sides if texting)
- in my humble opinion, despite our herculean efforts to screw it up I feel we have the best Country in the world in which to live (but when the snow gets deep visiting other countries definitely comes to mind).

Good luck with the research and best of luck with the job hunt!

- Alan - aka "aviator"
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post #8 of 19 Old 02-09-2014, 06:49 PM Thread Starter
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Thanks for getting back to me Guys. Can't wait to be going over there. Went once and rented a car so I got to grips with driving on the 'wrong' side of the road.

Would you recommend leasing a car for 12 or 24 months depends how long I stay or buying one and then selling it at the end? I'm fairly comfortable with the basic servicing and the odd repair.

Also, any places that I've got to visit? Don't mind travelling, it'll be like an amazing road trip but one that will last longer than a few hours. UK is too small.

Cheers for the help!!
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post #9 of 19 Old 02-09-2014, 09:22 PM
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Originally Posted by 03guyjam View Post
Also, any places that I've got to visit? Don't mind travelling, it'll be like an amazing road trip but one that will last longer than a few hours. UK is too small.
Coming from the UK you will be simply blown away by how incredibly huge this country is. Hop on a bike at the east coast, and if you drive hard you might make it to the west coast in 7 days.

Any places that you have to visit? Yes, all of it! I will take a lifetime however...
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post #10 of 19 Old 02-09-2014, 09:48 PM
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Originally Posted by 03guyjam View Post
Thanks for getting back to me Guys. Can't wait to be going over there. Went once and rented a car so I got to grips with driving on the 'wrong' side of the road.

Would you recommend leasing a car for 12 or 24 months depends how long I stay or buying one and then selling it at the end? I'm fairly comfortable with the basic servicing and the odd repair.

Also, any places that I've got to visit? Don't mind travelling, it'll be like an amazing road trip but one that will last longer than a few hours. UK is too small.

Cheers for the help!!
To give you an idea of the size of this place, I took a trip from Ottawa to the northern tip of Newfoundland and back for a total of 6400 km.
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