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  1. Don Jasper

    Don Jasper ODSC Executive

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    Soo to cut a long story short..The shrew started an overheating problem whilst i was doing the Tcat this year. Determined to press on, i purchased an Honda XR650L 2015 So i could finish at Kenora rather that give up and waste time already booked.

    All went well until i got a call from my insurance company wanting an extra $550.00 because the Honda XR650L is a ristricted bike!!!! This bone shaker for over $1000.00 for insurance? Am i missing something? Is there a different honda i could have confused this with?

    Anyone able to shed some light into this please help as i have a white and red elephant in my Garage. Totally confused.
  2. Neil Edmunds

    Neil Edmunds ODSC Executive

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    The rates are usually based on cc's and vehicle class losses. It may be rated worse than the KLR. Talk to your agent, they should be able to explain how the KLR and XRL compare. Maybe they looked up the wrong machine when quoting you.
  3. toddszr600

    toddszr600 ODSC-OFTR Member

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    Don, Check to make sure they are no quoting you an XR650R
  4. Don Jasper

    Don Jasper ODSC Executive

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    Thanks. They got the right bike. They say its a restricted bike in the letter i received today. Back to the Shrew and drawing board.
  5. Neil Edmunds

    Neil Edmunds ODSC Executive

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    Can you find out what "restricted" means?
  6. Don Jasper

    Don Jasper ODSC Executive

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    Thanks Neil, I followed your advise and called them with that very query. Response: Echelon no longer insures your category of bike. We use another insurance company and they will insure it for a smidge over $1000.00. Feel free to call around for better.

    For a perspective i clarified that i was paying the same for my 1400 Concours as intact the other insurance they use are asking for this bone shaker. Gladly almost the end of riding season so may figure what bike will work for me over the winter. I must say Neil.. Thank you for helping me with this bike quest. It has been a bitter sweet experience between all the ones i have had a priviledge to own and not been able to keep.

    Having owned the Honda..I know the shrew and i are headed for a divorce and in the maintime, i am having an affair with a 650 Versys. Thanks again Bud.
  7. GQelements

    GQelements ODSC-OFTR Member

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    Call another insurance company (that's not underwritten by the same company). The 'restricted' lists are arbitrary risk assessments made by each company's arbitrators... at one point I had a company tell me GS500 was restricted...
  8. dano60

    dano60 Limited User

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    Right, my klr was put on the restricted list by Economical, had to go back to Riders Plus. Never really got a good explanation for that except that it was used "off road". Sounds like the same issue with your xr. There is absolutely no loyalty in the insurance buissiness, pretty frustrating.
  9. Twoinsane

    Twoinsane ODSC-OFTR Member

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    I had my Dr 650 with state farm, now Dasardans. Paid around 500/yr.
  10. Neil Edmunds

    Neil Edmunds ODSC Executive

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    Call Kirk Norris Insurance. His team is knowledgeable and should be able to shed some light on this.
  11. Cole McBain

    Cole McBain ODSC-OFTR Member

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    Don, I had Echelon insure my Husqvarna tc450 blue plate bike for years. I bought Wr250r and was told it was restricted. How much sense does that make??? Dalton Timmis switched me to Aviva for the Wr and I put Dr 650 with Aviva for less$ than Echelon as well.
  12. Don Jasper

    Don Jasper ODSC Executive

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    Thanks Bud.. I will give them a holla
  13. taylorericjohn

    taylorericjohn ODSC-OFTR Member

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    I also have been pretty happy with Dalton Timmins. I switched a couple of years ago after a dick around with guarantee company. Some insurance went up slightly some went a down a bunch. Over all (2 bikes, 2 cars, truck and house) we were lower on cost