Newbie... Dirt bike Insurance in Alberta, am I being scammed???

**JoeBiker** · May 17th, 2010, 04:15 PM

Hi all, I just bought a CRF150F (4 strokes) and I am asking my agent for insurance, I know I need it to register the bike and get the plates...

My question is: do I need full coverage? the person in the registry told me that they don't require to include collision coverage, anyway these are the prices that my insurance agent is offering me:

Full coverage ($1000000 Third Party Liability, Collision with a $500 deductible and Specified Perils with a $250 Deductible)
- $875

$1000000 Third Party Liability and Specified Perils with a $250 Deductible
- $494

$1000000 Third Party Liability
- $266

I've seen other primes here in the forum and these prices look too high for me.

I'd appreciate your input
Thanks...

**Bogger** · May 17th, 2010, 04:17 PM

seems high... I pay on average $140 per machine a year...liability/fire/theft

$500 deductable....

**ktm 13-44** · May 17th, 2010, 05:12 PM

Again, im having trouble finding insurance for my bikes. Who are you going through Bogger?

**rknight111** · May 17th, 2010, 05:23 PM

Brad G is a friend and a broker in Edmonton. He just started a new brokerage, he is a member on this site and knows many of you. We are just setting him up as a supporting vendor. He knows his bikes and sleds and will give you good rates. Contact him at Darson insurance in Edmonton at 780-452-7272 or email him at bguignion@darsonins.com
Make sure you tell reference snowandmud. Catpride you may remember Brad from a while back, he says hi.

**Bogger** · May 17th, 2010, 07:57 PM

Ours are thru TD insurance & wawaneesa

**GasCan** · May 17th, 2010, 08:41 PM

I have had a half dozen bikes insured through Home for Chrome. They are a division of Dalton Timmis and specialize in bikes. When checking rates for my KTM, most were in around $500.00 with fire theft and full coverage, then my agent Dianna Fast at Dalton Timmis got me full coverage with Jevco as the underwriter for half of that. Think I'm paying $258.00 Here's the number, ask for Dianna Fast

Calgary, AB
600 Crowfoot Crescent, NW
Calgary, AB T3G 0B4

Phone: 403-241-2288
Fax: 1-866-399-3177

National
Toll-free: 1-888-385-8466
Alberta Toll-free: 1-866-472-0721
Motorcycle Sales/Service: 1-877-DTG-MOTO (384-6686)

**fat tire** · May 17th, 2010, 09:52 PM

Originally Posted by rknight111

Brad G is a friend and a broker in Edmonton. He just started a new brokerage, he is a member on this site and knows many of you. We are just setting him up as a supporting vendor. He knows his bikes and sleds and will give you good rates. Contact him at Darson insurance in Edmonton at 780-452-7272 or email him at bguignion@darsonins.com
Make sure you tell reference snowandmud. Catpride you may remember Brad from a while back, he says hi.

Just wrote a new policy for our quads with TIG in edmonton....wish I had read this sooner.... would like to keep my business that supports sites like this.....next time....but out TT is up in june....... I'll try to get a quote from em.

**JoeBiker** · May 18th, 2010, 08:40 AM

Thanks everybody for your responses.

I am asking for quotations right now, I hope to finish with insurance and registry by the end of this week, so I can finally ride it this weekend...

**Dadbro** · May 22nd, 2010, 11:35 AM

I just insured my KLX 250 yesterday and it was $148 for 1 mill liability at $500 deductable
the same collision /fire /theft.

**hamwallet** · May 27th, 2010, 03:18 PM

I found that the biggest question from Insurance Brokers was whether I had a motorcycle licence. If you have a licence, it was going to cost $200 to insure a dirt bike for off highway use. Without the licence it's double that. That's from Blue Circle Insurance in Calgary. Most other insurers wouldn't even give me insurance without the motorcycle licence, that being TD.