I posted this in another thread .. But thought it might be a good one on its own.
Do you have a nasty surcharge?
Here's how to beat it if you only insure one vehicle at a time normally. I'm using 40% surcharge as an example.
ICBC tracks your discount and/or surcharge by policy. Your 40% surcharge applies only to your first vehicle's insurance. If you insure a second vehicle, it will start at 0%.
This winter buy the cheapest most run down piece of crap scooter you can buy. Next spring, insure the scooter for 3 months with your +40% surcharge.
One month later, insure the bike you want to ride all summer. Since your scooter is still an active insured policy, your bike will become your second policy. You should start at 0%. Insure it for as long as you plan to ride, autoplan 6 or autoplan 12 will work well.
When the scooter insurance expires, just leave it cancelled. It won't effect your bike's insurance, your bike will just be flagged to be your "first policy" again when it comes up for renewal. Wash, rinse reapeat each year.
If you have or have had more than one vehicle insured at once (car/bike) it can still be done, but requires a little more juggling as you'll be using your "third" policy as well.
Any questions? I'll do my best to answer.