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1 Dec 2019
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Insurance for foreign bike in CANADA
Good morning.
I wish to thank all the members for their inputs to https://www.horizonsunlimited.com/hu...-bike-us-93901
and https://www.horizonsunlimited.com/hu...-america-96022
It was long, sometimes confusing, and difficult to tease out the info. It may be good if the moderators to make a sticky in a summary table format of company/address...
In any case, it appears the options include FERNET, MOTORCYCLE EXPRESS, PROGRESSIVE, GEICO. (Did I miss any?)
With the exception of MExpress, all companies require a US address. In EVERY case the insurance companies are American.
So here is the rub:
1- am a Canadian living in Europe, have a European plated bike and will transit CANADA only, summer 2020.
2-looking for a Canadian agency (yes it's understood that NA insurance covers USA and CDA irrespective of where it is sourced)
3-don't have US address (yes yes find a hotel..) but DO have CDA address with family.
Is there NO Canadian insurance companies capable of providing insurance for foreign bikes?
Thanks
Chris
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2023 back in Japan on the road after COVID, 2019 Paris Siberia Japan tbd -2010 WR250R; 2015-2016 Paris-Mongolia and Paris-Silk Road; 2011-2013 Canada Ushuaia
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3 Dec 2019
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Update
_CAA Insurance = no
_Certas/Desjardins/State Farm = no
_TD/Primus =no
_HUESTIS = nope
They all state they can only insure locally registered vehicles.
...I could say i will (eventually) register.. but not.  Of course to register my European bike will mess up my Temporary Importation Permit. NOT to mention my EU spec moto won't pass Canadian inspection!!
Leaves me with FERNET or MotoExpress.
BTW FERNET, from another thread
"Fernet are agents for Progressive so you'd think they would know but I have my doubts...
After this, I called Progressive directly and spoke to a guy who asked all the right people and he confirmed Progressive will not insure us. Foreign vehicles are regarded as transient and cannot be insured through Progressive.
Quite how Fernet are doing this is anyones guess as they only use Progressives online applications. Phyllis told me they never speak to them. Now I'm not saying they do anything illegal but I do wonder if they are filling in teh forms as if the US address we give is our home address. If this is the way they do it, the policy would be null and void in the event of an incident...."
https://www.horizonsunlimited.com/hu...1-4#post586072
Jeez
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2023 back in Japan on the road after COVID, 2019 Paris Siberia Japan tbd -2010 WR250R; 2015-2016 Paris-Mongolia and Paris-Silk Road; 2011-2013 Canada Ushuaia
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3 Dec 2019
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UPDATE
Called Progressive. After a long deliberation the short answer is NO.
They cannot insure a foreign registered bike without a PERMANENT US residence address. Even as i was explaining that 1)i have a US address to use (family) and 2) i also dont have a permanent CDN address, they politely..but firmly told me to go find a Canadian insurance company!
Nice!
(I guess he could see that i was calling from Canada ..oops)
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2023 back in Japan on the road after COVID, 2019 Paris Siberia Japan tbd -2010 WR250R; 2015-2016 Paris-Mongolia and Paris-Silk Road; 2011-2013 Canada Ushuaia
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4 Dec 2019
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Apologies if this has been raised before.
If you have a French(?) plated bike in Europe you presumably have insurance that covers you in the EU and perhaps beyond to some non EU countries. Have you checked with your current insurer or other EU insurers to see if they offer coverage that would extend to North America?
It's not uncommon to see travelling European plated vehicles in Canada, including some very expensive looking overland truck type things. Most if not all of them presumably have insurance so, logically, it must be available. Perhaps looking closer to home may provide an answer.
Best of luck.
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9 Dec 2019
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relevant thread
Hi Monnom, I was going to look into this myself for next year then noticed your post, I guess I can pick up hints within this thread but in general as you're a CDN resident and I'm not would it be any different for me..??
I'm doing the full east to west TCAT starting next June including an added visit to Alaska so I would need USA + CDN insurance....
Mez/UK
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10 Dec 2019
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Hello Mez
I am a resident of France (permanent address), but have a Canadian passport. Thus bike, driver's license and address all French.
You will be in the same category.
All insurance purchased in US and CDA covers both countries, no problem.
Clearly it is not possible to get insurance IN CANADA with Canadian agencies.
So, I will be asking for quote from both FERNET (despite the conflict about Progressive) and MotoExpress. Both American sources, yet I will not be visiting USA.
Bummer. Be nice to have clarity on this: https://www.horizonsunlimited.com/hu...022#post603046
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11 Dec 2019
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UPDATE
We regret, we cannot offer insurance for Canada and USA anymore as most insurance companies do not want to insure foreign registered vehicles or foreign drivers anymore.
You could try and contact Dairyland insurance company in the USA - they used to offer motorcycle insurance for USA/Canada, so perhaps they can help you.
Best regards,
Maria M. Alessie
Assurantiekantoor Alessie
Eliotplaats 174
3068 VL Rotterdam
The Netherlands
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11 Dec 2019
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UPDATE
yikes...
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2023 back in Japan on the road after COVID, 2019 Paris Siberia Japan tbd -2010 WR250R; 2015-2016 Paris-Mongolia and Paris-Silk Road; 2011-2013 Canada Ushuaia
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11 Dec 2019
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2020 tcat
Monno,
That's not looking too good for you, sorry.....
I had a quick look online at my current bike insurers and they offer cover in both USA and Canada. I did an online quote for me (not the bike) and the premium was around £240 for one year continuous or broken travel. I am ringing them on Friday to ask about the inclusion of my own motorcycle whilst travelling the two quoted for countries, let's see what they say.
Also, anyone reading this have any experience with the authorities from USA & Canada accepting UK or European bike insurance that covers for there country. OR am I mislead in thinking that I can get coverage from the UK...??!!
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12 Dec 2019
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Quote:
Originally Posted by monnomania
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Chris, we'd love to - but as you note it would be a long and tedious job - and a constantly changing document!
All we can do is hope that people like yourself that do the work required for themselves do a good job of posting results here in as clear a fashion as possible.
BTW re Sticky - we can only stick a thread, not a post.  If you have all the details together, we can always do a new thread with all those details and sticky it.
They SHOULD all be available in the links page anyway. Let me know if you know of changes or missing info.
thanks!! 
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Seek, and ye shall find.
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Inspiring, Informing and Connecting travellers since 1997!
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18 Apr 2023
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I have just taken a policy with Carol Nash for coverage in Canada and USA and yes it's only 91 days cover but the level of cover for that period is outstanding and gives us time on the road to establish a routine before jumping back on a PC to renew another policy. @£2.30/day it's a no brainer....
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19 Apr 2023
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This policy is for travel insurance but it does cover third parties affected by a collision whilst riding a motorcycle so I'll still have to get actual specific bike cover I guess. I got this policy to cover myself in the event of serious injury ok.....
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19 Apr 2023
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Just had a live chat with CAROL NASH.
The response was negative. When I tried to probe a little deeper, was told that the bikes need be UK registered motorcycles.
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21 Apr 2023
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Quote:
Originally Posted by monnomania
Just had a live chat with CAROL NASH.
The response was negative. When I tried to probe a little deeper, was told that the bikes need be UK registered motorcycles.
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That's a bummer sorry about that, post up when you strike lucky ok....
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22 Apr 2023
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Forgive me for asking but wouldn't it be easier and cheaper to get one in USA (if you are planning to visit the states too)? The one in the states which would also cover Canada for free.
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