Just got off the phone with NFP which used to be Dalton Timmis, and spoke with Kyle Brown who handles the off-road bike program which many have probably heard of. Had a long conversation with him.
So they do insure off-road bikes, but it's similar to TD. They don't distinguish on/off road, so you're paying for a road policy. He said something like a CRF110F, if somebody in the house has an M license with 3 stars, is typically around $250, which is similar to TD. If you don't have your M license... going to be much worse.
However, two important points to know: They do not sell insurance for kids under 10. And they do not sell insurance for bikes under 100cc. Similar stupid thinking as Desjardins. They assume that size goes with cc, and trying to avoid kids they set the limit at 100cc. So I could insure the CRF110F for my 10 year old, but not the CRF80F for my 14 year old. So this isn't an option for us.
Also remember that to get this policy in any case, you have to bring your home and auto insurance over as well.
So they do insure off-road bikes, but it's similar to TD. They don't distinguish on/off road, so you're paying for a road policy. He said something like a CRF110F, if somebody in the house has an M license with 3 stars, is typically around $250, which is similar to TD. If you don't have your M license... going to be much worse.
However, two important points to know: They do not sell insurance for kids under 10. And they do not sell insurance for bikes under 100cc. Similar stupid thinking as Desjardins. They assume that size goes with cc, and trying to avoid kids they set the limit at 100cc. So I could insure the CRF110F for my 10 year old, but not the CRF80F for my 14 year old. So this isn't an option for us.
Also remember that to get this policy in any case, you have to bring your home and auto insurance over as well.