That's not entirely true. Each Province has their own insurance rules and companies, much like your states. Here in SK we have a govt run vehicle insurance plan that is expensive and we are trying to lobby them to give us options so we can choose our coverage. Now I have 200 ded , 2 mil liability, unlimited income protection and full personal injury protection for 120 a month that I only pay for when I am riding my RSV. When my bike is stored I have a storage policy that costs me 120 bucks a year for full replacement cost.
Brian
And as far as being crooks, it happens here too,...our govt company (SGI) was going to increase rates on some sport bikes by more than double last year but a concerted push on the legislature got them to roll most of that back to a 5% increase.