Why do I need motorcycle insurance?
For starters, because motorcycle insurance is required by law in Canada. The mandatory minimum coverage includes the following:
- Third-party liability ($200,000 minimum): Protects you if you kill or injure another person in an accident or if you damage another person’s property.
- Statutory accident benefits: Provides you with medical, rehabilitation, and death benefits in case you’re killed or injured in an accident, no matter who caused it.
- Direct compensation property damage (DCPD): Pays to repair your motorcycle if another driver is at fault for the accident and if the accident occurs in your home province and involves a driver who’s insured in another province.
- Uninsured automobile coverage: Provides you with coverage if you’re injured or killed in an accident involving an unidentified or uninsured driver.
Can I add extra coverage to my motorcycle insurance policy?
Yes, of course. Your policy can range from the mandatory minimum to a more advanced plan, which may include collision and liability coverage or insurance for other perils, like fire and theft. You can even get coverage for your electronics and accessories (GPS devices, saddlebags, etc.).
You can also customize your policy to your specific habits. For example, if you like going off-road, you can purchase additional peril coverage that insures your motorcycle against damages that may occur when you ride in those conditions.
How do I get a quote?
Just email us at firstname.lastname@example.org and we’ll help you find the best motorcycle insurance quote available in your area.
Why should I shop for motorcycle insurance online?
Looking for motorcycle insurance can be overwhelming — there are so many different providers and motorcycle insurance packages to choose from. Shopping online simplifies your search. When you shop online, you can quickly compare bike insurance rates from multiple insurers and make sure you find the best coverage at the lowest rate.
I own a restricted-speed motorcycle — do I still need motorcycle insurance?
Yes. Restricted-speed motorcycles — also known as mopeds — are bikes that cannot exceed 70 km/h and have an engine size of 50 cubic centimetres or less. They require the same insurance as a full-size motorcycle, and you need a restricted class M licence (or a full motorcycle licence) to drive them.
I customized my motorcycle — will my aftermarket add-ons be covered by my insurance policy?
Yes. Most providers will offer coverage for aftermarket parts and accessories in their policies, but you can also purchase additional coverage if your modifications exceed coverage limits. Just remember to ask your provider about aftermarket coverage to make sure your bike is protected.
Here’s a list of some of the aftermarket parts and accessories that you can typically get coverage for:
- Custom paint.
- Saddlebags or other on-bike storage.
- Exhausts/muffler modifications.
- Custom lighting.
- Hand/foot controls.
- Other items not sold by the manufacturer.
Can I drive my off-road motorcycle or motocross bike on the road without insurance?
Which two-wheeled vehicles need motorcycle insurance?
What factors affect my motorcycle insurance policy and the rate I pay?
How can I save money on my motorcycle insurance premium?
In general, a safe driving record is the best way to keep your rates low. Here are some other tips for saving money on your motorcycle insurance premium:
- Install a security system on your motorcycle.
- Join a club and take advantage of club discounts.
- Take an approved training course and get certified.
- Bundle your motorcycle insurance with your home and auto insurance.
- Buy a smaller motorcycle — the more bike you have, the higher your insurance rate.
You can also ask your insurance provider if there are other ways you can get a cheaper rate.
Should I insure my motorcycle in the winter?
Yes. Even though it’s not likely that you’ll be driving your motorcycle in the winter, it’s still a good idea to have comprehensive coverage for your ride year-round. That way if your motorcycle is stolen or damaged during the winter months, you’ll still be covered.
How can I have a hassle-free claims experience?
Keep all your documents (registration, proof of insurance, maintenance log, applicable receipts, etc.) in order so you’re always ready if you need to make a claim. And if you want to really go above and beyond, consider keeping up-to-date photos of your motorcycle on hand to help the claims process go smoothly and quickly.