Heat kills woodFlash kills quickMetal one shots metal and beats heat , wood , and bubble Crash beats nothing because good luck hitting anything <| sep |> spends 30 minutes screaming in fountain , making it a 4 v 5 , then comes out dealing more damage than a 5 stacks excited jinx <| sep |> HeyOh ! There he is . <| sep |> I get my bikes insured through Coast Capital insurance . Much cheaper than ICBC . I ' ve also heard good things about Megson FitzPatrick and , I think , Beacon . An Autoplan agent can give you these options . Here ' s the gist You buy the basic , minimal coverage no collision , no theftcomprehensive , no riding gear , no roadside , minimum liability through ICBC and then buy the rest of what you need or nothing from the third party . It ' s all done at one time at the Autoplan agent . I ' ve been told if you ' re too young then the private insurers won ' t talk to you , though , so you might be stuck with ICBC . Back to riding . riding in the city is fine . Take a rider ' s course . You ' re an idiot if you don ' t . Even if you think you can ride . Even if you grew up on dirt bikes . Take a rider ' s course that ' s streetoriented . Take a refresher every few years . This is super , super cheap life insurance and actually really fun . You ' ll also typically get an insurance discount this way because you ' re statistically a lower risk , but not from ICBC again , ICBC doesn ' t get it . There are too many survival skills to list here that you will learn in a riding course . Here are three 1 . Intentional lane position . 2 . Ground viewing surrounding vehicles . 3 . Awareness of escape routes , always , all the time . 4 . ATGATT . If you don ' t know exactly what all these mean then that ' s more reason to sign up for a riding course before you go any further ! It ' s a blast . Have fun . ADDED # 4 . How could I forget # 4 . ATGATT . That ' s actually one part that makes commuting a little less fun , particularly in warm weather . But better wet from sweat than wet from blood . an old riding instructor remark