Oh, it gets worse.
So I called my broker, Jennifer Hunt in Barrie. They were State Farm but are now Desjardins/Certas. Have had an off-road policy with them on my KTM Freeride for years. I sold that bike a month ago and cancelled the policy. But I wanted to see if it was still active so maybe I could "grandfather" my kids bikes into the existing policy. Turn out they never even cancelled the policy, it was still alive. Not going to worry about $6/month it was costing me, and figured this was a good thing.
So I said I wanted to transfer the policy to a 2012 Honda CRF150F. This is the bike my wife rides. I was asked if the kids would ride it, and I said they would not. They can not ride it, physically, they can't touch the ground. I could hear trouble brewing in the way the conversation was going and started recording. I said the kids cannot ride it, but I did have two other bikes I wanted to discuss adding to the policy for the kids, after we were done dealing with the first one. She put me on hold about 15 minutes. Came back, and said that they do not insure any machine 150cc or less, as obviously these are intended for children, and they do not write policies for children. I knew this was above her pay grade, but I argued this policy was illogical. CRF150F is a large motorcycle with a small engine, children cannot physically ride it, but it's a very sensible bike for inexperienced adults to learn on. Of course none of that matters. That is the policy.
Absolute insanity. So I cannot get insurance for my wife now because I bought her a sensibly powered machine?!
I had actually thought about trading in my wife's CRF150F for a big-wheel 125 as she's still struggling a bit with the 150. At 250lbs it's a bit heavy. That seems like a bad idea now. Seems like we're being forced into a 230-250.
I'm not normally "that guy" but this almost seems like a human rights issue. My wife is 5'6" with 28" inseam, and she's being force into riding a bike that is too big for her because of an ill-considered policy. It seems the whole thing stems from ATV's and =<150cc ATV are kids machines. But even that is a stupid policy because a child CAN sit on and drive a full-size ATV. This rule does nothing.