This is what it costs an 18-24 in Ontario Canada to insure a 125cc motorcycle

I know that feel bro. Was looking at getting a Yamaha FZ07 a year ago, but even as a 27 year old the insurance was fucking ridiculous. They wanted nearly $200/month for something I'd get to use *maybe* 5 months of the year.

I have a 2011 FJ and it costs me $109/month for full coverage and low deductibles.

It's all about risk, too. Bikes get stolen like CRAZY in Ontario, and with all the scum in Toronto doing fraudulent insurance claims for injuries, most vehicles are ridiculous to insure when you're younger. Luckily, no one really steals FJs because all the Saudis bought themselves new ones years ago, and it's too bulky/uncomfortable for drug dealing Amerifats to buy on the black market.

This province is a shithole.

Does that give you any accident benefits coverage? Like if/when you crash or someone slams into you, and you're now gimped and need treatments?

Or do you have to now sue the other person and beg for a few shekels to brace your spaghetti legs so you can walk with polio crutches?

>Like if/when you crash or someone slams into you, and you're now gimped and need treatments?

Healthcare is free in Aus.

But usually there are limits on things like long-term care and physiotherapy. Even in Canada we have limits on what is and is not covered, that's why everyone has supplemental insurance through their employer (if it's a good company).

An example of this is your hospital stay. My buddy got in a car accident 5 years ago and it was pretty severe, some senior in a Dodge Ram blew a stop sign and T-boned his Altima. He was in hospital for almost a month, but the government would only allow for a shared room with like 3 other patients. He had benefits through his work that let him have a private room for the entire stay. I don't know about you, but that kind of shit is important. I wouldn't want to be lying in a hospital with tubes in me and broken bones trying to sleep, only to get woken up by the fat Jamaican nurse cleaning shit out of some faggot's bed pan beside you.

Is that Ridersplus? Don't go through those kikes. Call Dalton Timmis, they were much cheaper for my DRZ.

>But usually there are limits on things like long-term care and physiotherapy.

No limits whatsoever.

What are you even talking about?

Private hospital cover has absolutely nothing to do with motorcycle insurance.

>Private hospital cover has absolutely nothing to do with motorcycle insurance.

Do you seriously not know about auto/bike insurance policies?

You have comprehensive, collision, liability, and accident benefits coverage.

Comp covers you for stuff like someone vandalizing your bike while it's parked - the insurance company will pay for repairs, less your deductible.

Collision covers your damaged bike (including if it's a write-off), for stuff like crashing into another car or someone driving into you.

Liability covers you for legal implications, like someone suing you for damaging their property with your bike, or hurting them (i.e. you hit a pedestrian at a crosswalk).

ACCIDENT BENEFITS coverage involves paying for medical expenses related to an accident. Say you high-side and shatter your pelvis, break your leg, internal bleeding, etc. and require a lot of medical care. Typically, socialized medicine only covers you for certain things, and up to a certain extent.

As a Canadian, and as one who works for an insurance company in CLAIMS, I know how important this coverage can be for people. Maybe your healthcare system is awesome and literally every single thing is covered, but I would be very surprised if that were the case.

I'm not busting your balls here, I don't want to see you get fucked by the medical jew in the event of an accident. Lots of people strip down their policies, raise their deductibles - and then have an accident. Then they're out of pocket thousands, sometimes tens of thousands, in expenses that the government refuses to cover. The usually refuse to cover them on the grounds that they were removed from the public healthcare spectrum (because MOST people have these coverages through their auto insurance or private insurance through work).

I paid 700 euros for 50cc

>mfw motorcycle insurance is not required by law in my state

don't the pajeets in your country stage accidents for fraudulent claims?

Nah, that’s not how it works at all. In America, the land of the free, we have the right to forego personal liability insurance. The law only requires you to get liability in the event you harm others,
not yourself, which is why Canada’s costs are so god damn high because they know the government is going to be the one paying the bill when you fuck yourself up in a crash. In America, that is on you.

I have 3 bikes insured for less than $600/year. No comprehensive or collision obviously because that would be retarded

Our rates are actually high because of the fraud that exists. Most injuries are covered partially by supplemental insurers. It's the poo-in-loos and nips that keep staging accidents, fucking up the legal system, bogging down insurance companies, and ultimately bleeding the system dry. They literally cost the country over a billion dollars in fraud every year.

>Maybe your healthcare system is awesome and literally every single thing is covered, but I would be very surprised if that were the case.

It is.

I'm forever amazed that people waste so much of their own time arguing about things they're ignorant of rather than just educating themselves.

>when the socialism is so strong the government literally has absolute control over your health and wellbeing

The fact that you won't even have a choice is what bothers me. They'll probably stick you in a shared room with some gas-sniffing abbos who fell asleep in the road and had a truck run over them.

NHS is great like that too, you don't have to pay for anything.

But waiting 8 months for an immigrant dentist to fill a cavity is troublesome.

That’s pretty fucking funny. I take it anyone that works in insurance must be pretty red pilled then

Call Desjardins. I paid $1900/yr my first year on a 125cc (m1, under 25)

>I take it anyone that works in insurance must be pretty red pilled then

Pretty much. Pajeets are by far the worst offenders and the cheapest people alive. They are constantly lying and trying to scam on the most trivial of things.

>file claim for car getting broken into
>explain to them contents are covered under Homeowners, not Auto policy
>listen to them bitch and moan for 30 minutes before they open a second claim
>tell them we can only waive one deductible
>NOT GOOD ENOUGH
>tell them to submit list of stolen items, along with supporting documents (i.e. receipts/manuals/accessories/boxes) to prove ownership
>more bitching and moaning about how they don't have any supporting docs
>tell them to submit list, we'll review
>receive list with 200 items, ranging from custom baked-goods to Gucci handbags
>all of this contained in the trunk of a 2007 Elantra
>which was recovered a day later, in a field, trashed by teenagers on a joyride
>spend next 8 months fighting with Pajeets, being accused of racism, hearing about how they are cancelling insurance with us, etc.

Worse. Than. Jews.

>implying this isn't the case

if like in america, $5k in the city and $2k in the country

I used to work in retail electronic sales. If we saw an indian family walk in the store, our sales team would all go on break until they left.

They think they're at a swap meet. They will unironically stand their ground to save pennies. Commendable, but a fucking nightmare to deal with.

what the actual fuck?
your insurance cost more than the bike?

That's because street-shitters were literally existing in a medieval society until a few years before they came to America. In India you barter and haggle for everything, and they can't wrap their third-world brains around any other concept. It's really annoying.

Look, "insurance" isn't just some standard value that applies in all situations. Your post tells me
>age
>location
>it's a small motorcycle
But it doesn't tell me
>sex
>years of riding experience
>model of bike
>value of bike
>ITEMIZED DESCRIPTION OF COVERAGE

See I'm male, 24, Texas, riding a 2005 sv650s worth about 2200 USD, have less than a year experience, and bought a year of basic liability (required by law) for 270 USD. If I had wanted extra liability and full coverage and personal injury protection and lost wages etc etc i think it would have been around 2500-3000 USD/year. But that's literally more than my bike cost, and I'm not that attached to that specific set of wheels. Also I'm a cautious driver and flatter myself that I won't be at fault frequently.

It's possible that minimum legal insurance for you in Ontario is 4000 CAD. But you might also have a terrible driving record, the bike might be brand new and somehow worth 5-6k, and you might have just ticked every single box in the quote in order to get "good" insurance because you, like me, had never bought insurance before and aren't sure what's a good idea to get and what's ok to skip, and possibly are posting a cap of the first quote you've found, instead of the sixth or seventh. It's just always hard to know in situations like these. I will give you that Canada is often the location when rates like these are discussed.

>I found it particularly helpful for comparison shopping that some providers asked you what company you were coming from with a drop-down list of all their competitors

Injury damage is covered in Aus usually but it's calculated on a percentage scale based on who was at fault in an accidental. You're automatically a % at fault in most accidents because you were driving. That % won't be covered. Public healthcare only covers things like physiotherapy for a certain amount of sessions and only with a doctors referral. After that you pay out of pocket or need private cover.

>You're automatically a % at fault in most accidents because you were driving

lmfao

In Ontario we have Direct Compensation Property Damage, which basically lists out common scenarios. We then affix a fault value to them, to determine how much of your deductible will apply (if any).

If you get rear-ended at a stoplight and it's red, you're 0% at fault. If you're traveling in your lane and someone slams into you, or comes into your lane and hits you, 0% at fault.

Basically, there are a lot of scenarios where you're 0% at fault because, well, it just wasn't YOUR fucking fault.

>Public healthcare only covers things like physiotherapy for a certain amount of sessions and only with a doctors referral. After that you pay out of pocket or need private cover.

This is what I was trying to explain to the idiot Ausfag user who thinks that literally everything will be covered forever. It won't. You need supplemental insurance, otherwise the system would be broke in a year.