1. ODSC rides are planned with specific Covid-19 restrictions
  1. Rob Mainwaring

    Rob Mainwaring ODSC-OFTR Member

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    I recently purchased a KLX 140 G for my wife and daughter to ride. I called my insurance, Desjardin Insurance (formally State Farm) they tell me they won't insure any bike less than 150 cc. I called a few more including a second Desjardin agent, Allstate and RBC and they tell me they don't insure off-road bikes. This is crazy. What is even stranger is the original owner of the bike had it insured with Desjardins. I have been with Desjardin (Stater Farm) for ~30 yrs. (home, cars, motorcycle , boats and snowmobiles) Both me and my wife have full class M licenses and clean driving records. The Ontario government requires green plated bikes to have liability insurance if used on public land. Anyone else have a similar experience?
  2. ecarnell

    ecarnell ODSC-OFTR Member

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    Rob - my old TTR 125LE (off road liability) was insurances in 2019 with info below . Not sure if that’s the agent you tried before - best of luck and let us know if you find some reasonable insurance .
    Eric

    Alice FonoAccount Representative



    Office 905-852-9300

    Toll Free 888-545-3911


    www.nicolecurrie.com

    insurance@nicolecurrie.com
  3. imnothng

    imnothng ODSC-OFTR Member

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    Yup. This the new reality. There's a thread over on SCORRA about this as well. Over there, people had luck with co-operators after bringing all their business over. I have an existing policy with Desjardins for my dirt bike and they said they won't do anything 150 or less when I called about a CRF125. So I guess riding dirty it is, and we'll see what a judge says if it comes down to that.
  4. Rob Mainwaring

    Rob Mainwaring ODSC-OFTR Member

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    Called a few more insurance companies, it looks like the only option right now is to ride with no insurance. This goes against all my values. I could also sell the bike.
    Last edited: Sep 21, 2021
  5. imnothng

    imnothng ODSC-OFTR Member

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    What choice do we have? I will not put someone I love on a bike that is completely unsafe for them to ride. I sure hope the OFTR is trying to do something about this issue.
  6. Yota-Tom

    Yota-Tom Limited User

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    It may be a silly loophole, but what about adding a Big Bore kit to the KLX140? Perhaps not directly to the engine, but on paper at least.

    I put a link below that shows 140 -> 170cc displacement. Just inquire if it’s 150cc minimum by OEM, or by the machine itself.

    https://bbrmotorsports.com/Products/Products.aspx?Prod=411-KLX-1801

    Perhaps “they” feel anything less than 150cc is too slow, or just a children’s toy, completely ignoring decades of bikes under 100cc that were ridden way harder and further than I ever have.
  7. Chef

    Chef ODSC Executive

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    Talked with my insurance guy today. I have a Ktm 125xc on order for myself. Cannot get Offroad insurance on anything 150 and under ... as produced by the factory. If you already have a policy for a small bike, it seems you are ok. No new policies or adding to an existing policy though. The insurance companies want no part of an unlicensed youth operating a motor vehicle. Unfortunately this policy means that they won’t write adults either.
    Looks like I have an order to cancel.
  8. brucedwilson

    brucedwilson ODSC Executive

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    Looks like a job for...
    SUPER(OFTR)!

    superman.png

    It's a bird, it's a plane, etc. Isn't there some sort of industry consortium that would represent those who like to sell motorcycles to people like us?
    dean.f likes this.
  9. suprf1y

    suprf1y Limited User

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    Because they've been such a big help so far...

    Even if you have a 150+ bike and manage to get insurance (it's only Desjardin with this 150 rule) they no longer provide anything other than liability, so no theft, or comp of any kind. Cooperators will insure your bike, but it's very expensive, like 300% over what I was paying with Desjardin

    Like I've said here before, the only way to change the laws in this province is if everybody continually breaks them.
  10. Rob Mainwaring

    Rob Mainwaring ODSC-OFTR Member

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    Its not only Desjardins insurance, I 've spent the last few weeks calling many insurance companies. No luck getting insurance for the KLX 14o. I doubt the OFTR will do much. Looks like new riders need to start on a 250 or 300 which makes no sense at all.
  11. cambam

    cambam ODSC Executive

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    This is a problem in other provinces also.

    I can assure you that the Oftr and the Mcc (national association) are working on this.
    tenere700 likes this.
  12. Rob Mainwaring

    Rob Mainwaring ODSC-OFTR Member

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    The KLX 140 is now sold. Took a loss on it, but glad to see it gone. Looking for a KTM 200 now.
  13. ecarnell

    ecarnell ODSC-OFTR Member

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    Sorry to hear Rob no luck.



    (good news is my sons lowered 2018 Ktm 250-f EXC May go up in value!)