TD Insurance - BMW Luxury Touring Community
 
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post #1 of 17 Old Mar 17th, 2010, 12:53 pm Thread Starter
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TD Insurance

My current insurer is Kingsway through Co-Operators Insurance and I was paying $1285 per year. This included coverage for ~$5900 worth of accessories on the bike.
I did an on-line quote with TD Insurance https://www.tdcanadatrust.com/tdinsu...ntype=NEWQUOTE

It quoted $811 so I phoned TD. They wanted the current value of the bike - which was $16,200 Blue Book plus taxes =$18,600. After working through all the questions, the final quote was $641.00!!!! This did include a discount because my 2 vehicles and house is insured by TD.
The coverage was 1M$ liability, $1000 deductible on collision and comprehensive.

As you can guess - I switched!!!

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post #2 of 17 Old Mar 17th, 2010, 2:50 pm
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Re: TD Insurance

Wow, that is strange cause I tried doing TD last year to see what the difference would be Vs JEVCO! TD was $1200 & Jevco was $604, it went up this year to $606 . I have the same coverage as you.

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post #3 of 17 Old Mar 18th, 2010, 6:14 am
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Re: TD Insurance

I went with TD last fall. My regular insurer at first wouldn't touch the bike, then 'acquiesed' and let me have it for 1100 for just basic collision! Got TD for 800 or so - but with all-peril. Also found the service amazing. On-line app, a quick phone yap...and presto-molesto. They emailed me proof of insurance. It was 50 bucks, from November till February, when their renewals kick in. Wow. Considering moving the rest of it to them.

2003 R1200CL Silver
1999 Honda Valkyrie Interstate poor man's six-banger
2008 Yamaha Venture - Sold after 6 months; I already miss the casette deck
2003 LT - Gone to be mated with a sidecar
1999 LT - Gone but not forgotten; my first Beemer
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post #4 of 17 Old May 13th, 2010, 6:07 pm
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Re: TD Insurance

Hi I use TD. When I went on line the quote was $1500. When I called I got it for $700.
Ellie
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post #5 of 17 Old May 13th, 2010, 7:16 pm
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Re: TD Insurance

Call Mantha Ins brokers. I had TD Ins. Droped them like a bad cold Got a much better rate with more coverage


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post #6 of 17 Old May 19th, 2010, 12:43 pm
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Re: TD Insurance

Had TD Insurance for several years now. It went up a little over the years but still only $811.00 a year for full coverage, $1000.00 deductible. Have house and autos with them as well.

Always good to shop around every few years as depending on the type of profit/lose year an insurance company has had can really effect rates the following few years.

Randy Ferras
K1200LT, 05'
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post #7 of 17 Old May 19th, 2010, 9:18 pm
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Re: TD Insurance

You are not insured with TD, they are only a broker, look closely at your paperwork, there will be a different insurance company.

Eric von Laue

3Cyl Kawa ( a long time ago)
450 Yamaha Seca ( maybe it was a Maxim )
1100 Honda Magna
650 Honda XR ( to Guatemala and back)
1990 Honda PC800 ( Mountain Mama )
2000 BMW 1200LT ( Maxamillion )

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post #8 of 17 Old May 23rd, 2010, 9:37 am
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Re: TD Insurance

I got my insurance renewal for my bikes which are a 2009 K1200lt & a 2002 Honda Shadow Sabre 1100 full coverage on both. Elite insurance had raised it's rate $424 to $2102 for the next 12 months . This was purchased thru Dalton Timmis Insurance Agent. I phone around and found thru TD,Primmun was the cheapest at $1588 with the Honda at 500 deductible rather than 1000 from Elite. The only difference was that they ( TD ) could not offer a no deprecation option. I guess some insurance companies don't want to insure bikes. I phone my agent( D.T.), and ask for a different Insurance Co. but was told I would have move house and auto policies to them. I feel there is no regulatory body looking over bike insurance rates and they can charge what ever they want for a seasonal vehicle.
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post #9 of 17 Old Nov 20th, 2010, 9:54 pm
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Re: TD Insurance

I live inzWinnipeg. Sure do wish we had TD insurance here. MB has only gov't insurance. My 2005 K1200s with max good driver discount (includes plate), full coverage, age 57, no at fault accidents ever and 25 years since last moving violation - $2500 per year. May get the K1600gt.
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post #10 of 17 Old Jan 3rd, 2011, 1:44 pm
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Re: TD Insurance

Wow, that is weird. I've got insurance on my new RT through Jevco ($1m liability, $500 deductible) because I just assumed that TD would be over the top. TD wanted $1100 for my Vespa 300 (vs. $650 with Jevco) and $700 liability only for my '78 Honda CB750 (vs. $500 with Jevco). I wound up insuring the RT through Jevco for $1100 figuring that TD would be waaaay more -- didn't even call them. It might be because I live in Toronto, though, and perhaps the stats for Toronto are worse due to higher theft rates and all the stupid racer boys who crash their Gixers into hydro poles. My insurance is up in June so I'll check again then for all three bikes.

-------------------
Tony

2010 R1200RT
2011 Suzuki DR650SE
1978 Honda CB750K

Last edited by Toasterbottom; Jan 3rd, 2011 at 1:47 pm. Reason: missing info
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post #11 of 17 Old Jan 12th, 2011, 2:49 pm
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Re: TD Insurance

I am with RBC and just checked my coverage and rate. I am paying $777.00 annual, for $2,000.000.00 Pl & PD, & full coverage for collission, comprehensive, etc., but with $1000.00 decuctable. I check quotes every year with a few brokers as it seems to be a very competitive market for insurance since banks started selling it. I don't seem to get any break having the bike insured along with 2 vehicles and property as it seems to be in a category all by itself.


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post #12 of 17 Old Jan 13th, 2011, 12:02 pm
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Re: TD Insurance

Hi
You should reconsider the deductible.
I figured, when would I actually put in a claim? If the accident meant a couple thousand in damage, I would fix it myself because my insurance would go up if I claimed. Really, I would say at $5,000 would be the time I would put in a claim. Damage higher than that and I'm problably dead anyway.
I fixed mine to $2,000 and my rate dropped considerably.
Ellie
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post #13 of 17 Old May 20th, 2011, 8:27 am
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Re: TD Insurance

Quote:
Originally Posted by DarkMeister
I went with TD last fall. My regular insurer at first wouldn't touch the bike, then 'acquiesed' and let me have it for 1100 for just basic collision! Got TD for 800 or so - but with all-peril. Also found the service amazing. On-line app, a quick phone yap...and presto-molesto. They emailed me proof of insurance. It was 50 bucks, from November till February, when their renewals kick in. Wow. Considering moving the rest of it to them.
I had TD Ins. a few years ago when I got my first RT. Wow cheep! then next year jacked up the rate 30%!!!! Good buy TD


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post #14 of 17 Old May 21st, 2011, 6:57 am
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Re: TD Insurance

Well, duh! I can see what happened:
"Hi. I'm Risky. I'm seeking insurance."

2003 R1200CL Silver
1999 Honda Valkyrie Interstate poor man's six-banger
2008 Yamaha Venture - Sold after 6 months; I already miss the casette deck
2003 LT - Gone to be mated with a sidecar
1999 LT - Gone but not forgotten; my first Beemer
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post #15 of 17 Old May 21st, 2011, 11:27 am
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Talking Re: TD Insurance

Quote:
Originally Posted by DarkMeister
Well, duh! I can see what happened:
"Hi. I'm Risky. I'm seeking insurance."
Hey Darko, When you getting your "2012 K1900LT" ?

When you coming back to the right side and getting a GTL?

Garry

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post #16 of 17 Old May 21st, 2011, 9:23 pm
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Re: TD Insurance

Garry,
are you finding any quirks yet that you do not like about the bike or is the love affair still on?

Eric von Laue

3Cyl Kawa ( a long time ago)
450 Yamaha Seca ( maybe it was a Maxim )
1100 Honda Magna
650 Honda XR ( to Guatemala and back)
1990 Honda PC800 ( Mountain Mama )
2000 BMW 1200LT ( Maxamillion )

Keep the rubber side down
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post #17 of 17 Old May 22nd, 2011, 7:47 am
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Re: TD Insurance

Quote:
Originally Posted by garry_kramer
Hey Darko, When you getting your "2012 K1900LT" ?

When you coming back to the right side and getting a GTL?

Garry
Good questions.

For one, when I'm as rich as you, or when, like you, I start riding 11 months a year and make it worthwhile to spend as much on a new bike as a new car would cost.

Or, when I trade Donna in. Something tells me that her insistence on a 'living room sofa' back seat would preclude the GTL. I suspect it's comfier than it looks. What does Es think of the back seat?

2003 R1200CL Silver
1999 Honda Valkyrie Interstate poor man's six-banger
2008 Yamaha Venture - Sold after 6 months; I already miss the casette deck
2003 LT - Gone to be mated with a sidecar
1999 LT - Gone but not forgotten; my first Beemer
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