That's because your riding season is only like 2 weeks a year up there!
Joking, but I do remember though reading/discussing how many days average
a typical motorcycle rider rides his bike. It's something crazy only like 10-14 and up to 30 days a year. A couple of weekend rides during the warmer months of the year and that's about it.
There's no one around here like that, but just saying they make some good money on bikes.
Not in Vancouver its pretty damn good there weather wise, you could safely ride most months of the year. Its not Arizona but its pretty good. However, you go to other places in Canada and you are right. We get 5-6 months here of good weather with 6-7 months of stuff you probably don't wanna ride in or cant. If you ride friday\sat\sun that is 12 days a month give or take a few * say 6 months = 72 days however 24 of them are Friday's.
72 days total (24 total weekends including friday's) - 25 percent of them for rain = 54 days (18 weekends)
54 days - 3-5 weddings that make it so you are not riding sat or sunday (lets go with 4, 8 days total) = 46
46 days - 2 weekends worth of random "I'm not riding today, days" = 40 days
40 days - 4 weekends of random shit you wanna do, like the lake, do something other ran ride a bike that weekend including vacation = 28
28 days including friday's after work. Take out fridays and its 19 days. Id say my math is being pretty damn reasonable and more realistically a few more weekends should probably be knocked off, so your 10-14 days a year as crazy as it sounds seems average id bet.
Full coverage for a zx10r here in Manitoba is about 3000-3400 depending on a few minor things. If you take off comprehensive you save another 300ish or so. However, if you take pleasure only (that means no really riding to work) its down to 1900 a year. We only get charged for the 6 months we can ride, so yes they want to charge me 500 or whatever a month.