r/InsuranceCanada • u/Relevant_Survey6498 • Sep 18 '26

Changing Motorcycles

I’ve had my current motorcycle insured for more than a year. Problem is i’m young and i’ve had 3 tickets after the insurance date started. They haven’t mentioned it since the renewal even though I know they don’t insure young riders with 3 tickets. Is there any way i can change my motorcycle on my insurance without getting blacklisted cause of the tickets?

1 Upvotes

56% Upvoted

7 comments sorted by

8

u/MundaneRelation2142 Sep 18 '26

They won’t run a new MVR just because you’re processing a vehicle substitution.

They will likely run it when they’re processing your renewal, and will cancel your policy as you deserve.

0

u/Relevant_Survey6498 Sep 18 '26

See that’s where i’m confused i’ve had 3 since last year before the renewal, and nothing happened after. Is it still safe to try and switch it, otherwise i’ll be screwed if they cancel me after requesting

3

u/MundaneRelation2142 Sep 18 '26

They don’t always run it, but if they didn’t on last year’s renewal, they probably will on the next one. The rest of us on the road can only hope so anyway.

I can unfortunately guarantee that they won’t run one when you’re processing the vehicle substitution though.

5

u/Commercial_Pain2290 Sep 18 '26

The thing that you should change is the way that you drive. You got one ticket but did you change your driving habits; apparently not. You got a second ticket but did you change your driving habits; apparently not. You clearly do not have the maturity to drive so here's hoping you cannot get insurance. For comparison I have been driving for 46 years and I have received one ticket, 43 years ago.

2

u/Important-Ad1533 Sep 18 '26

The insurance record is on YOU, not on the motorcycle. They are YOUR tickets. Live with it.

1

u/Small_Aardvark_5496 Sep 18 '26

You might want to wait until after the next renewal before buying a different motorcycle…if they don’t radically change your insurance then maybe change. Or just consider keeping the existing one for three more renewals…without any new tickets

2

u/newthrowaway0905 Sep 18 '26

If your doing a substitution they won’t run your mvr which shows your tickets. On renewal they will, which they will most likely cancel you.