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Motorcycle insurance is mandatory for bike-owners in Ontario. It is a type of coverage distinct from other forms of auto insurance, which means your motorcycle cannot simply be added as a second vehicle to an existing car insurance policy.
Whether your motorcycle is your primary vehicle for travel, or is something you haul out of the garage for an occasional pleasure ride, insurance is a legal requirement in Ontario. You might as well let us find you the best coverage.
A standard motorcycle insurance policy includes third-party liability coverage, accident benefits and uninsured motorist coverage.
These protections cover you from many of the perils you'll face on the road, but not all. If you're looking to increase coverage against damages, injury or both, you can add additional protection for a fee.
To drive a motorcycle in Ontario, you are legally required to have third-party liability, accident benefits and uninsured motorist coverage. Your choices for additional, optional coverage, include:
If you’re unsure which add-ons you may need, ask your insurance provider for more information. They can help you get a sense as to whether or not an add-on is necessary.
RATESDOTCA shows you motorcycle insurance quotes from top Canadian insurance providers. Just enter a few details about yourself and your bike, and you'll be able to find the cheapest policy available.
By comparing motorcycle quotes in a single place, you'll be able to find the best policy at the best price. Our service is free and easy, and you're under no obligation to purchase the policies you're shown. If you've already got the cheapest insurance on the market, you can always renew. But it never hurts to check.
Here’s all you need to know about motorcycle insurance in Ontario.
Having a standard motorcycle insurance policy is mandatory in all Canadian provinces. A standard policy includes third party liability, accident benefits and uninsured motorist coverage.
If you’re looking for more protection, you can choose to augment your policy with add-ons, such as all-perils or collision coverage. Whether or not add-ons are necessary depends on a few different factors, like the cost of your bike and how often you ride it.
Yes, you are still required to have motorcycle insurance because restricted speed motorcycles and mopeds have the same insurance and licence requirements as a standard motorcycle in Ontario.
Yes! If you customize your motorcycle, your provider can offer you coverage for aftermarket parts and accessories. You can also purchase additional coverage if your existing policy limits are too low for your liking. Here are the aftermarket parts and accessories that are typically covered by insurers:
Ask your insurance provider for more details about customized motorcycle coverage.
In Ontario, you cannot drive an off-road motorcycle on the road without having motorcycle insurance. You must have at least standard coverage and an M2 licence to drive an off-road motorcycle on the road.
The Insurance Bureau of Canada mandates that all motorcycles, mopeds, motor-scooters, and motor-assisted bicycles, must have insurance coverage, unless you only drive them exclusively on private property.
Insurance providers calculate motorcycle insurance premiums similar to the way they calculator car insurance premiums. Here are the main factors that determine your motorcycle insurance premium:
Looking to reduce your motorcycle insurance premium? Here are four things that can help:
Yes! You may not be driving your motorcycle much in the winter, but having year-round coverage is important for protecting your bike from theft or damage. If you cancel your insurance policy during the winter, you'll have to pay out of pocket for any costs incurred while your bike is in storage.
The process for filing a motorcycle insurance claim is similar to filing a car insurance claim. You'll need to describe the event that caused the claim, and support the claim with photos if possible. Once you've filed, your insurance provider will confirm the event is covered by your policy and determine the level of reimbursement you are entitled to.