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Not sure where you are in Canada, but the street racing charge makes me guess Ontario. I'm pretty certain that if you have convictions for racing and impaired, you'll find insurance on any MC, even a 250, to be very high. And factor in that you'll be paying insurance all year long for a riding season that usually only 7 months.

If you can get an affordable insurance rate, a bike will cost less to purchase and fuel than a car. And with some cheap saddle bags or even a good back pack (saddle bags would be more comfy) you could get lots of use out of it in place of a car (most of the year). Just need some rain gear and a good attitude.

Good luck in your search.
 

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Insurance companies are pretty savvy and there are many blocks in Ontario that will limit what you are suggesting - riding a bike registered under someone else. Some of these are legislated in law (under the Compulsory Automobile Insurance Act) and some are built into policy by insurance companies.

Yes, you can ride an MC owned, registered and insured by someone else. Yes, that person would have to have a valid M class licence to own, register and insure a bike. The owner is then covered if they loan you the bike as an Occassional Rider. Under standard polices, this can only be done if you are over 25 years old and do not share a residence with the bike owner. (This prevents parents from owning and insuring an MC at a lower rate for their young son or daughter to ride). Also, the owner who is loaning you the bike as an Occassional Rider would be at risk of greater liability if you had a collision/charge/claim and the insurance company learned that you were more than just an Occassional Rider and were in fact using the bike daily. This could range from policy cancellation and non payment of claims to criminal charges for (insurance) fraud.

Look into it very carefully, find out some quotes on a small CC used bike, decide what you can afford. At this point in your driving/riding career, you need to rebuild some reliabilty, have yourself insured and follow all the rules for a few years to re-build your rating with the insurance companies and MTO, and put some years between yourself and any driving offences. It takes time.
 
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