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Types of motorcycle insurance coverage

Whether your motorcycle is your primary mode of travel or you enjoy leisurely rides on the weekends, BrokerLink is here to protect both you and your bike from common dangers on the roads. Motorcyclists can rely on BrokerLink to navigate the insurance landscape and find the best coverage for their specific needs, thanks to our expertise and tailored approach. BrokerLink and our insurance broker team committed to providing riders of all types with peace of mind, whether it's through accident protection or reducing the monetary strain of damage or theft. Here is a closer look at the different types of motorcycle insurance you need:

Comprehensive coverage

Comprehensive coverage is a kind of insurance that extends beyond typical road accidents to cover a wide range of hazards that may affect your prized vehicle. Imagine you're cruising along, enjoying the open road, when a hailstorm hits, leaving your bike marked with damage. Or maybe someone decides to steal your bike while you aren't looking, leaving you shocked and without a mode of transport.

This is where comprehensive coverage comes to the rescue. It is intended to safeguard you against non-collision incidents such as theft, vandalism, fire, severe weather, and even falling objects. When you have comprehensive coverage, you can ride with confidence, knowing that your insurance has your back, rain or shine.

Collision or upset coverage

Collision or upset coverage is designed to protect your bike in the event you are involved in an accident. Collision coverage helps cover the expense of replacing or repairing your motorcycle, no matter who is at fault. Whether it's a minor scuff or a significant collision, this coverage makes sure that you won't have to bear the cost of the damage on your own. Just note that collision coverage is one of the optional add ons and not included in basic car insurance policies.

Third party liability coverage

Third party liability insurance is an essential safeguard that you cannot afford to overlook when it comes to motorcycle coverage. Third party liability is mandatory coverage required when legally riding a motorcycle in Canada, just like it is on car insurance policies. Should you be riding your bike down the road when a collision happens, and you're found to be at fault, your liability insurance kicks in to cover the cost of legal fees resulting from damage to other motorists, pedestrians, or property, up to the limit established by your policy.

Accident benefits coverage

Accident benefits coverage is a necessary and legally required insurance that provides critical protection and assistance in the event of an accident-related injury. It is intended to help minimize the financial and healthcare implications in the event of a motorcycle accident. In the unlikely scenario that you are injured as a result of a covered accident, accident benefits coverage will assist you with a variety of expenses, including medical treatments, rehabilitation, income substitution, and more. These benefits are designed to relieve financial stress while also ensuring that you receive the necessary assistance to recover and regain your quality of life.

Accident Forgiveness coverage

Accident forgiveness coverage in Alberta is a valuable insurance feature that adds a layer of financial security and understanding when unexpected incidents occur on the roadways. It provides policyholders with some leeway and assists in mitigating the repercussions of their first at-fault accident. For example, if you've been a responsible and safe driver for years but then are suddenly involved in an unfortunate collision due to a lapse in judgment, or a weather related incident, whatever the case may be, this coverage is there to lend a helping hand. Accident forgiveness coverage recognizes that even the most conscientious individuals can be involved in such incidents.

By forgiving the initial at-fault accident, this coverage protects policyholders from the significant rate increases that frequently accompany such events. This provision provides reassurance by providing peace of mind, monetary assistance, and a chance to learn from your mistake. Again, this coverage is optional and not mandated by law.

Factors that could affect your motorcycle insurance policy

As an insurance broker, BrokerLink does not determine your rates; we work with a number of insurance companies to find the best policy for your specific needs. However, it is still helpful for you to understand some of the key factors that influence your insurance rates.

Your choice of motorcycle
Different types of motorcycles may have different insurance implications. For example, some sports motorcycles have the potential to go significantly faster than other types. Because of their increased capacity for speed, they can often be more expensive to insure.
Your driving record
Since this document shows insurance companies your driving history to date, it is often used as a way to measure your responsibility on the road. If your record shows previous accidents or irresponsible acts, your insurer may look at you as a higher risk and charge you more for coverage.
Where you live/park your motorcycle
The security of your neighbourhood can play a role in assessing your motorcycle insurance premium. If your area has high crime rates there could be a higher chance of your bike being stolen or damaged. Higher claim risks could mean higher insurance premiums.
Completing a safety course
Taking a motorcycle safety course is a great way to improve your comfort on the road and learn potentially life-saving skills. In terms of motorcycle insurance, the more competent you are as a rider, the less of a risk you pose. Therefore, it’s important to mention any training courses you have taken to your insurance broker so they can see if there are any additional savings to be had.
Insurance companies may evaluate statistics on the number of motor vehicle accidents by age group and use the data to calculate different risk factors. If the data shows younger drivers are more at risk of being involved in an accident, their rates are likely to be higher. Similarly, the data may show a higher frequency of accidents for people past a certain age with rates adjusted accordingly.

Motorcycle insurance FAQs

Looking for answers to some frequently asked questions about motorcycle insurance? Here's our answers:

What is the average insurance cost for a motorcycle in Canada?

The average cost of motorcycle insurance in Canada can vary depending on a number of variables. These factors include where you live, vehicle type, riding history, age, and options for protection. Motorcycle insurance costs in Canada may vary from a few hundred dollars to over a thousand dollars per year on average. It is essential to note that this is only a rough estimate, and individual quotes may vary significantly. To get an accurate estimation, request tailored quotes from insurance companies, who will take your specific circumstances into account to provide a tailored premium amount.

Is motorcycle insurance more expensive than car insurance?

When comparing motorcycle insurance to car insurance, several factors must be considered. Motorcycle insurance is usually more expensive than vehicle insurance for a variety of reasons. Motorcycles are considered more dangerous to insure because they provide less protection and are more prone to accidents. Furthermore, the possibility of serious injuries in motorcycle crashes contributes to higher rates of insurance. In addition, the market value and repair costs of motorcycles can have an impact on insurance rates.

Do you need insurance for a moped?

Yes, insurance is mandatory for a moped. Mopeds, while having smaller engines and lower speeds than motorcycles, remain categorized as motor vehicles under the law. As a result, moped owners are required by law to have insurance. Insurance for your moped offers financial security in the event of an accident, theft, or destruction. Getting moped insurance is not only a legal obligation but also an essential step toward protecting yourself as well as others on the road.

Does my car insurance policy cover my motorcycle?

No, your motorcycle is not covered by your auto insurance policy. Auto insurance and motorcycle insurance are two distinct policies. As a result, your car insurance doesn't offer any coverage while you ride your motorcycle. To adequately protect your bike, you must obtain a separate insurance policy designed specifically for motorcycles.

Can you own a motorcycle without insurance?

In order to take your motorcycle out on the road you need insurance. Driving without insurance is unsafe and illegal. To get a quote, call an insurance broker! You could be out on the open road in a matter of minutes.

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