| Vancouver Auto Chat 2016 VAC Community Head Moderator: Raid3n |
 | 
10-25-2015, 12:29 PM
|
#1 | | I WANT MY 10 YEARS BACK FROM RS.net!
Join Date: Mar 2002 Location: ...
Posts: 20,300
Thanked 4,525 Times in 1,357 Posts
Failed 4,505 Times in 971 Posts
| ICBC insurance for big bore scooters/motorcycle
As you know, ICBC has this insurance bracket for motorcycles and scooters. Motorcycles
The other 4 rate classes for motorcycles are:
311 (111-400 cc)
312 (401-750 cc)
313 (751-1150 cc)
314 (over 1150 cc)
Then I came across this forum. Boring out a bike, new size is a higher insurance bracket, would you tell ICBC?
So my question is, would big bore kit increase your insurance rate?
Here are things that I gathered by reading BC Sportbikes:
-Turbocharging will NOT increase your insurance rate
-Big Bore(or long stroke) kit will NOT increase your insurance rate.
For example, say you have a GSX-R750 and bore it up to 790cc, so you go tell ICBC you got a GSX-R790, which does NOT exist in their system, so ICBC will just register your bike as a GSX-R750.
| 
|  | |
10-25-2015, 12:57 PM
|
#2 | | I STILL don't get it
Join Date: Mar 2011 Location: Burnaby
Posts: 460
Thanked 694 Times in 157 Posts
Failed 4 Times in 3 Posts
|
two issues. logistics and ethical.
for ethical reasons, i would probably tell them i'm up to so and so cc. it just makes sense that i would be responsible for higher insurance costs due to a bike having more power (theoretically more power)
for logistical reasons...the second last post on that forum link shows that icbc doesn't even have alternate cc for registering the bike. the bike's model/displacement/insurance bracket is on the frame designation. so who knows really if icbc can even change the cc.
| |
| | |
10-25-2015, 01:19 PM
|
#3 | | My homepage has been set to RS
Join Date: Aug 2002 Location: AB/BC
Posts: 2,224
Thanked 1,207 Times in 386 Posts
Failed 26 Times in 10 Posts
|
If you are ever in the situation where icbc would measure your displacement you would be dead anyways
| |
| | |
10-25-2015, 04:26 PM
|
#4 | | RS.net, helping ugly ppl have sex since 2001
Join Date: Feb 2011 Location: Richmond
Posts: 8,459
Thanked 14,912 Times in 3,896 Posts
Failed 471 Times in 216 Posts
|
You're forgetting the bigger issue. <50cc you only need a regular car license. But 51cc and up you need a motorcycle license. So if you have a gy6 swapped Honda ruckus (most commonly 150cc) and you get pulled over you can get some heavy tickets
| |
| | |
10-25-2015, 05:40 PM
|
#5 | | I WANT MY 10 YEARS BACK FROM RS.net!
Join Date: Mar 2002 Location: ...
Posts: 20,300
Thanked 4,525 Times in 1,357 Posts
Failed 4,505 Times in 971 Posts
| Quote:
Originally Posted by entrax  two issues. logistics and ethical.
for ethical reasons, i would probably tell them i'm up to so and so cc. it just makes sense that i would be responsible for higher insurance costs due to a bike having more power (theoretically more power) | Maybe I was not clear enough, but that was not my question and I don't have an intention of getting a big bore kit.. and yea, i would tell them too if I had one. But would the insurance go up for something that doesn't exist in their book? Quote:
Originally Posted by entrax for logistical reasons...the second last post on that forum link shows that icbc doesn't even have alternate cc for registering the bike. the bike's model/displacement/insurance bracket is on the frame designation. so who knows really if icbc can even change the cc. | yeah that's exactly what I said..  | |
| | |
10-25-2015, 05:45 PM
|
#6 | | I WANT MY 10 YEARS BACK FROM RS.net!
Join Date: Mar 2002 Location: ...
Posts: 20,300
Thanked 4,525 Times in 1,357 Posts
Failed 4,505 Times in 971 Posts
| Quote:
Originally Posted by 320icar You're forgetting the bigger issue. <50cc you only need a regular car license. But 51cc and up you need a motorcycle license. So if you have a gy6 swapped Honda ruckus (most commonly 150cc) and you get pulled over you can get some heavy tickets | 2005 Yamaha 49cc bored out to 70cc | |
| | |
10-25-2015, 07:28 PM
|
#7 | | To me, there is the Internet and there is RS
Join Date: Apr 2007 Location: Okanagan
Posts: 16,808
Thanked 9,488 Times in 4,141 Posts
Failed 429 Times in 227 Posts
|
I've never bothered to look at bike insurance/reg papers, but IIRC the car ones have a spot for the model, and a spot for the displacement.
Whether bike forms are the same or not I'd still tell ICBC so your insurance remains valid, otherwise there's not much point having insurance now is there? The last thing I'd want to be doing when dealing with ICBC is adding in the risk of them deciding your insurance wasn't valid.
__________________ 1991 Toyota Celica GTFour RC // 2007 Toyota Rav4 V6 // 2000 Jeep Grand Cherokee
1992 Toyota Celica GT-S ["sold"] \\ 2007 Jeep Grand Cherokee CRD [sold] \\ 2000 Jeep Cherokee [sold] \\ 1997 Honda Prelude [sold] \\ 1992 Jeep YJ [sold/crashed] \\ 1987 Mazda RX-7 [sold] \\ 1987 Toyota Celica GT-S [crushed] Quote:
Originally Posted by maksimizer half those dudes are hotter than ,my GF. | Quote:
Originally Posted by RevYouUp reading this thread is like waiting for goku to charge up a spirit bomb in dragon ball z | Quote:
Originally Posted by Good_KarMa OH thank god. I thought u had sex with my wife. :cry: | | |
| | |
10-25-2015, 07:44 PM
|
#8 | | I contribute to threads in the offtopic forum
Join Date: Mar 2004 Location: Vancouver
Posts: 2,799
Thanked 1,831 Times in 587 Posts
Failed 72 Times in 31 Posts
|
Regardless of bore, VIN does not change. You can go to icbc and tell them displacement all you like but you register your VIN not your displacement.
Condisering most big bore kits will not bring you to a different insurance class it's rather pointless. The only people that me be effected by this are liter bike guys but even then you don't usually go 150cc larger on a big bore kit.
Icbc will not decline insurance if your Vin matches. It's really that simple.
| |
| | |
10-25-2015, 07:47 PM
|
#9 | | I contribute to threads in the offtopic forum
Join Date: Mar 2004 Location: Vancouver
Posts: 2,799
Thanked 1,831 Times in 587 Posts
Failed 72 Times in 31 Posts
|
Only way to do this is do a U-build and get a new VIN for the frame registering it at the new displacement.
Having built many big bore bikes over the year and dealt with this, ICBC does not care about discription, or displacement or color. They care about VIN and that's it.
| |
| | |
10-25-2015, 07:49 PM
|
#10 | | Willing to sell body for a few minutes on RS
Join Date: Jul 2001 Location: Cloverdale
Posts: 11,581
Thanked 3,789 Times in 1,349 Posts
Failed 83 Times in 42 Posts
|
How would they ever know even if you were in an accident? They aren't going to be able to tell if you bore your engine, they would never check that.
Timpo, asking questions that don't need answers since 2002.
__________________
The world ain't all sunshine and rainbows. It's a very mean and nasty place... and I donīt care how tough you are, it will beat you to your knees and keep you there permanently, if you let it. You, me or nobody, is gonna hit as hard as life. But ain't about how hard you hit... It's about how hard you can get hit, and keep moving forward... how much you can take, and keep moving forward. Thatīs how winning is done. Now, if you know what you worth, go out and get what you worth. - Rocky Balboa | 
| | |
10-25-2015, 08:03 PM
|
#11 | | RS.net, helping ugly ppl have sex since 2001
Join Date: Feb 2011 Location: Richmond
Posts: 8,459
Thanked 14,912 Times in 3,896 Posts
Failed 471 Times in 216 Posts
| Quote:
Originally Posted by Timpo | good example. this would be technically illegal for anyone without a motorcycle to ride. also they are speed limited. can't remember what, but a 50cc scooter is also not allowed to surpass a certain speed. so even if you hella modified a 50cc scooter and it someone was able to break these other speed limits then you would also need a bike license
| |
| | |
10-25-2015, 08:52 PM
|
#12 | | OMGWTFBBQ is a common word I say everyday
Join Date: Jan 2004 Location: Van/Bur
Posts: 5,029
Thanked 1,563 Times in 515 Posts
Failed 60 Times in 33 Posts
|
The only way ICBC could tell its a BBK is if they take apart the cylinder block. I doubt they would ever go that far, or even know to even do that, to find you at fault for no insurance.
Many of us in the scooter community have 70cc BWS's. Its a great way to boot around and yes as they do go faster, you go from stock 60kph to 80kph. But the biggest difference is the fact that acceleration and the ability to get yourself out of emergencies are better. Just has more umph.. Cops never give us any problems and half the time everyone laughs at scooters...
Plus side is its still cheaper than today's current bus fare prices..
__________________
Cash Rules Everything Around Me!
Current:
2006 Honda Fourtrax Rancher 400cc ATV (Offroad trails + Winter Snow Plow)
1995 Toyota Tacoma (Toy Hauler)
2003 Honda Civic SIR (Daily Beater)
2018 KTM 390 Duke (Gas Saver)
2017 Subaru WRX Sport-Tech + STI 6MT (Weekend Track)
2022 Yamaha MT09(Faster Gas Saver)
Past:
2014 Honda Grom
1971 MG MGB Tourer
Kayo MR125 Race Bike
2001 Honda Odyssey
2009 Toyota Corolla CE
2007 Honda Ruckus
2007 Husqvarna SM610 SuperMoto
2001 Honda S2000
| |
| | |
10-25-2015, 11:08 PM
|
#13 | | F**K YOUR HEAD
Join Date: Apr 2009 Location: vancouver
Posts: 8,718
Thanked 8,153 Times in 1,251 Posts
Failed 643 Times in 181 Posts
| Quote:
Originally Posted by entrax two issues. logistics and ethical.
for ethical reasons, i would probably tell them i'm up to so and so cc. it just makes sense that i would be responsible for higher insurance costs due to a bike having more power (theoretically more power) | Looking at the spirit of the law vs. letter of the law, I would say that the point of it is so that higher risk/more powerful bikes have higher premiums. But frankly 51 vs 49cc or even 70 vs 50cc doesn't really make a scooter more dangerous IMO. Heck a case can definitely be made that it gets you uphill at a safer speed where traffic doesn't feel a need to pass you in the oncoming lane, etc. So even ethically I don't really see an issue with it.
disclaimer: I own a 70cc BWS
| |
| | |
10-26-2015, 12:13 AM
|
#14 | | RS.net, helping ugly ppl have sex since 2001
Join Date: Feb 2011 Location: Richmond
Posts: 8,459
Thanked 14,912 Times in 3,896 Posts
Failed 471 Times in 216 Posts
|
I agree. I'm just stating the letter of the law
| |
| | |
10-26-2015, 12:40 AM
|
#15 | | I STILL don't get it
Join Date: Mar 2011 Location: Burnaby
Posts: 460
Thanked 694 Times in 157 Posts
Failed 4 Times in 3 Posts
| Quote:
Originally Posted by ilvtofu Looking at the spirit of the law vs. letter of the law, I would say that the point of it is so that higher risk/more powerful bikes have higher premiums. But frankly 51 vs 49cc or even 70 vs 50cc doesn't really make a scooter more dangerous IMO. Heck a case can definitely be made that it gets you uphill at a safer speed where traffic doesn't feel a need to pass you in the oncoming lane, etc. So even ethically I don't really see an issue with it.
disclaimer: I own a 70cc BWS | I wasn't sure how much a few cc affects bikes (never had one yet) but based on what you say, I guess ethically it's not an issue. I'd just feel like icbc wouldn't give a damn about the spirit of the law if it benefits them in case of a coverage issue because #icbc
Now i'm interested about looking this up for cars. There's a very common/straightforward 3.5L swap for my 2.0L car...
| |
| | |
10-26-2015, 09:51 AM
|
#16 | | To me, there is the Internet and there is RS
Join Date: Apr 2007 Location: Okanagan
Posts: 16,808
Thanked 9,488 Times in 4,141 Posts
Failed 429 Times in 227 Posts
|
^ I'm assuming you mean the 2GR? I'd do it without much hesitation after driving my inlaws Rav4. Considering how good it feels in the Rav I can only imagine what it'd be like in something a bit lighter and with much smaller wheels.
__________________ 1991 Toyota Celica GTFour RC // 2007 Toyota Rav4 V6 // 2000 Jeep Grand Cherokee
1992 Toyota Celica GT-S ["sold"] \\ 2007 Jeep Grand Cherokee CRD [sold] \\ 2000 Jeep Cherokee [sold] \\ 1997 Honda Prelude [sold] \\ 1992 Jeep YJ [sold/crashed] \\ 1987 Mazda RX-7 [sold] \\ 1987 Toyota Celica GT-S [crushed] Quote:
Originally Posted by maksimizer half those dudes are hotter than ,my GF. | Quote:
Originally Posted by RevYouUp reading this thread is like waiting for goku to charge up a spirit bomb in dragon ball z | Quote:
Originally Posted by Good_KarMa OH thank god. I thought u had sex with my wife. :cry: | | |
| | |
10-26-2015, 11:05 AM
|
#18 | | Willing to sell body for a few minutes on RS
Join Date: Mar 2002 Location: Victoria
Posts: 10,600
Thanked 5,049 Times in 1,866 Posts
Failed 185 Times in 100 Posts
| Quote:
Originally Posted by sdubfid If you are ever in the situation where icbc would measure your displacement you would be dead anyways | I'd say the chances of ICBC opening up motors and checking bore/stroke are slim to none.
__________________
1968 Mustang Coupe
2008.5 Mazdaspeed 3
1997 GMC Sonoma ZR2
2014 F150 5.0L XTR 4x4
A vehicle for all occasions
| |
| | |
10-26-2015, 11:13 AM
|
#19 | | RS.net, helping ugly ppl have sex since 2001
Join Date: Feb 2011 Location: Richmond
Posts: 8,459
Thanked 14,912 Times in 3,896 Posts
Failed 471 Times in 216 Posts
| Quote:
Originally Posted by Timpo | Since it has gears and a clutch, you'd need a motorcycle license regardless of CC
| |
| | |
10-26-2015, 12:08 PM
|
#20 | | Revscene.net has a homepage?!
Join Date: Jun 2004 Location: Coquitlam BC
Posts: 1,265
Thanked 94 Times in 48 Posts
Failed 30 Times in 8 Posts
|
I don't think the rate classes really make sense anyway, all the large cruisers are in a higher rate class than the litre sport bikes are but in terms of power and the way they are generally ridden they should be lower. I am not sure how much the type of bike impacts insurance or if it does, all i know is that it was a fair bit more to insure my 1985 Vmax 1200 than it was to insure my 2006 FZ6.
| |
| | |
10-26-2015, 05:21 PM
|
#21 | | RS.net, helping ugly ppl have sex since 2001
Join Date: Mar 2002 Location: Lollipop Lane
Posts: 8,529
Thanked 194 Times in 97 Posts
Failed 11 Times in 7 Posts
|
a gsxr750 is actually 749cc
__________________
Its Klobbering Time!
| |
| | |
Posting Rules
| You may not post new threads You may not post replies You may not post attachments You may not edit your posts
HTML code is Off
| | |
All times are GMT -8. The time now is 04:17 PM.
|
You are currently viewing our boards as a guest which gives you limited access to view most discussions and access our other features. By joining our free community you will have access to post topics, communicate privately with other members (PM), respond to polls, upload content and access many other special features. Registration is fast, simple and absolutely free so please, join our community today!
The banners on the left side and below do not show for registered users!
90km/h top speed
