Motorcycle Insurance

Whether you own a cruiser, touring or sport bike, you need motorcycle insurance. Perhaps the number one reason for needing motorcycle insurance is that it is required by law in Canada. And, the same rules apply for restricted speed motorcycles (scooters and mopeds). Another reason to get motorcycle insurance, just like car insurance, or any other insurance for that matter, is to protect yourself and your investments from unforeseen events.

What does standard motorcycle insurance cover?

The most basic motorcycle insurance policy in Canada requires third-party liability coverage, accident benefits and uninsured automobile coverage. This basic coverage covers you for things that commonly occur on the road. Third-party liability can help protect you from lawsuits or claims against you, as a result of riding your motorcycle. Accident benefit coverage can be helpful in the event of an injury resulting from an accident. Depending on the circumstances, this type of coverage could potentially help pay for lost income and/or medical care. While basic coverage is a necessity, our brokers will work with you to determine if you may require additional coverage to ensure you are properly protected.

Additional options for motorcycle coverage

Having basic coverage is required by law, but it’s wise to be prepared for anything that comes your way. Here are some common motorcycle insurance coverage options (depending on your province your options may differ).

  • Civil liability
  • Comprehensive coverage (hail, fire, theft, vandalism)
  • Collision coverage
  • Accessory and upgrade Loss of use
  • Roadside assistance
  • Accident forgiveness
  • Motorcycle replacement coverage

How speaking to a broker can help you save on motorcycle insurance

There are many things to consider when choosing the right motorcycle insurance. It involves asking the right questions to determine your vehicle usage and then making sure you are protected where it matters most. In other words, making sure all the “i’s” are dotted and the “t’s” are crossed when going over your coverage options. Navigating insurance with a broker makes finding affordable and relevant coverage a little easier. Not only will you save the time you would have spent learning about insurance, but you’ll be able to choose your plan faster and with more confidence thanks to the guidance of an experienced professional.

Factors that could affect your motorcycle insurance policy

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.

Get a quote for motorcycle insurance with BrokerLink

Want to learn more? Let us be your resource for all things motorcycle insurance. From start to finish, our brokers handle the legwork to make sure you walk away satisfied. Give our brokers a call today and we’ll find the motorcycle insurance coverage that works best for you.


Frequently Asked Questions on Motorcycle Insurance

What is the most common motorcycle injury?

There are a few common kinds of injuries that can occur as a result of a motorcycle crash. These include road rash, which is when the rider's bare skin strikes against the pavement, broken bones, fractures, and head injuries. While wearing safety gear will increase the chance you'll survive the accident, motorcycle injuries are very common.

What kind of motorcycle insurance do I need?

In Canada, motorcycle insurance is the law. This can include third party liability, accident benefits, and uninsured automobile coverage. Required coverages vary from province to province, so talk to an insurance broker about what you need before you hit the road.

How can I save on motorcycle insurance?

By keeping a good driving record, you're much more likely to get a good rate on your motorcycle insurance. There are also discounts available, such as bundling your new policy with another kind of coverage. Talk to an insurance broker about other ways to save on motorcycle insurance.

How much is motorcycle insurance?

The cost of motorcycle insurance depends on where you live and your driving history. To get an idea of how much motorcycle insurance will cost, call an insurance broker for a quote.

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.

Can I ride a motorcycle with just my driver's license?

In Canada, you are required to obtain a motorcycle license to drive a motorcycle. This is different from a regular driver's license. This is to ensure your safety as well as the safety of others on the road.

If you have any questions, contact one of our local branches.