I am like most other Canadian riders in Ontario and am paying almost $1400 full coverage WITH combined coverage of house and home together.Could take off collision but would only save around $40(not worth it to me bike is 2012 Venture) This is with looking around to different companies. One wouldn't even cover me because of what I paid for bike when I bought it in 2012 which was around $20,000(lucky I didn't buy the $38,000 Harley I was looking at) Seemed all companies asked me that question. Don't really know why that would be relevant.