Motorcycle Insurance in Alberta

At Alberta BrokerLink, we’re here to help you with any insurance needs you may have. Whether it’s insuring your home, car, business, recreational items, travel plans, or pets, let us help you find the best coverage possible.

Did you know that if you insure your motorcycle with BrokerLink you may qualify for a discount on your home and auto policies? So, what are you waiting for?

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 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.

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.

Ways to save on motorcycle coverage

At BrokerLink, we believe that insurance coverage for your motorcycle should be affordable without the need to sacrifice the level of protection you receive. That's why we've put together a list of ways you can save when renewing car insurance for your bike. Here is a closer look at some of our money-saving tips below:

Shop around and compare insurance quotes

Take the time to collect quotes from various insurance providers. Given that every insurance company may have various costs and discounts, researching what's available enables you to acquire the right motorcycle insurance at the lowest possible rate, which can save you money in the long run.

Consider what your bike is worth

Your insurance premiums may be affected by the make, model, and value of your motorcycle. In general, cheaper bikes or those with a smaller engine capacity have lower insurance rates. To make a well-informed choice, research how a bike could impact your insurance rates prior to buying one if you can. Most insurance companies will offer free quotes so you have an idea of the cost of insuring your motorcycle before you buy.

Opt for a more expensive deductible

You may be able to reduce the cost of insurance by selecting a higher deductible, which is the amount you pay out of pocket in the case of a claim. Just ensure that you are able to afford the deductible if an accident occurs before doing this, as it is not wise to increase your deductible if you do not have the funds available to do so.

Bundle your policies

Think about bundling your other forms of insurance, such as home, auto or even multiple properties or vehicles, with the same insurer. Insurers frequently offer price reductions for combining policies, which leads to overall premium savings.

Maintain a safe driving record

An excellent riding record indicates responsible and safe riding. Avoiding collisions and traffic tickets can result in reduced rates for insurance, as insurers frequently reward safe riders due to their sound risk profile.

Complete a safety course

Completing an acknowledged motorcycle safety course not only improves your riding abilities but it may also qualify you for insurance discounts. Insurance companies value the dedication to safety shown by completing a course, which can result in savings in the future.

Increase your motorcycle security measures

Taking protective measures for your motorcycle may minimize the risk of theft or damage, which may contribute to lower insurance premiums. Anti-theft equipment, such as locks or alarms, should be used, and the motorcycle should be stored in a safe place when not on the road.

Safe driving tips for motorcyclists

Whether you're a new rider or a seasoned professional, practicing and reviewing road safety is essential to ensuring you and other motorists get to their destination safely. Not only does this provide you and your loved one peace of mind when you're out on the open road, but it can also help you maintain a clean driving history, which can lead to potential premium savings each time you renew your car insurance. As such, the insurance team at BrokerLink has put together a list of some of the most important safe driving tips you need to know below:

Wear protective gear

Always wear a DOT-approved helmet to shield your head in the event of an accident. In addition, safety gear, such as a resilient jacket, long pants, gloves, sunglasses or a helmet visor, and boots, can also help you protect your body from road rash and other serious injuries.

Make yourself visible on the road

Wear bright and reflective apparel to make yourself visible to other drivers. At all times of the day, use your bike's headlights, and think about incorporating reflective stickers or tape to the bike for better visibility.

Always follow traffic laws

All traffic-related rules and laws, including speed limits, road markings, and signals, must be followed. Never weave through traffic or participate in risky manoeuvres that put yourself, as well as others, on the road in danger.

Maintain a safe distance between you and other drivers

Maintain an appropriate following distance between your motorcycle and the vehicle in front of you. Bikes need shorter stop distances, so they leave enough room to react to unexpected changes in traffic.

Communicate your intentions

To communicate your intent to other road users, use turn signals and hand signals. When possible, make eye contact with drivers to ensure they see you prior to executing a manoeuvre.

Keep your bike in good shape

Maintaining your motorcycle in excellent condition requires frequent service checks. Before each ride, inspect the tires, brakes, lighting, and fluid levels to ensure that your bike is safe and road ready.

Does motorcycle insurance insure passengers?

Yes, passengers are covered by motorcycle insurance. Liability coverage, which usually applies to passengers on your motorcycle, protects you financially in the event that your passenger sustains an injury or damages as a result of an accident in which you are at fault.

It’s critical to carefully read your motorcycle insurance policy to understand the extent of coverage provided for passengers. Some policies may have limitations or exemptions, so speak with the insurance company or broker to clarify the specifics and ensure you have adequate coverage based on your needs.


If my bike is stolen, will I need to pay a deductible?

If your bike is stolen and you file an insurance claim with your insurance company, you will almost certainly be required to pay a deductible. A deductible is the portion of an expense that you must pay out of pocket before insurance coverage will be valid. The amount of your deductible will be determined by the coverage you have and the terms you agreed to when you purchased it.

While paying a deductible can be inconvenient, it helps keep insurance premiums affordable and guarantees that policyholders share their financial burden. However, it's critical to review the policies you have or speak with your insurance provider to confirm the exact deductible amount that applies to your situation.

What happens if I add modifications to my motorcycle?

Modifying your motorcycle in Alberta may have an impact on your insurance coverage and premiums. Here's what happens when you make changes:

Inform your insurance provider

It is critical to notify your insurance provider of any changes you have made to your motorcycle. Failure to disclose changes may result in your policy being nullified or your claims being rejected.

New risk assessment

Modifications are evaluated by insurance companies in order to assess their impact on the risk of insuring your motorcycle. Specific alterations, such as performance upgrades or changes that boost the value of the custom built bike, have the potential to raise the price of your insurance.

Consider changing your insurance policy

Your insurance coverage may need to be adjusted depending on the nature of the changes. Certain modifications may be excluded from standard coverage, whereas other ones may necessitate additional coverage to provide sufficient protection.

Increased insurance premiums

Modifications that improve the performance or value of your vehicle may result in more expensive insurance rates. This is due to the increased perceived threat associated with modified bikes due to variables such as higher acceleration potential or more vulnerability to theft.

It is strongly recommended that you consult with your insurance company before making any changes to your bike. This will provide you with valuable information on how these changes will affect your coverage and premiums moving forward. Remember, maintaining open and honest dialogue with your insurance provider is critical to ensuring you have adequate coverage for your altered motorcycle. This proactive strategy not only helps to recognize any potential consequences but it also allows you to make informed decisions and ensure sufficient safety for your unique motorcycle.

Do I still need a class 6 license if I drive a moped?

It depends on what type of moped or scooter you have. For example, a moped with 50cc or less of engine power is able to be insured using any class of license. On the other hand, if your moped has more than 50cc in engine power and can reach speeds higher than 70 km per hour, then it would be considered a motorcycle. In this case, you would then have to have a class 5 or 6 license to insure your vehicle. To hold a valid class 6 license, you must first pass a knowledge test as well as a road test that is specifically tailored to motorcycles and mopeds.

Where can I find a comprehensive motorcycle insurance quote?

There are several options to consider when it comes to obtaining the best motorcycle insurance for your ride in Alberta. Begin by visiting insurance companies' web pages, where you can effortlessly request online quotes and compare policies from the convenience of your very own home. Alternatively, contact insurance agents or brokers in Alberta in person, by phone, or by email.

These experienced professionals can provide tailored guidance, address your questions, and assist you in locating cost-effective motorcycle insurance that meets your specific needs. There are plenty of options available to ensure you get the best coverage for your prized vehicle, whether you prefer the convenience of online research or the personalized touch of speaking with an insurance expert.

Reach out to the team at BrokerLink in beautiful Alberta today!

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You can reach us by phone, email, or in person at any one of our locations throughout Alberta. No matter how you choose to get in touch, a BrokerLink insurance advisor will be happy to assist you. We also encourage you to take advantage of our free online quote tool that can provide you with a competitive quote in minutes.


Motorcycle Insurance Alberta FAQs

Do you need motorcycle insurance in Alberta?

Motorcycle insurance is required in Alberta. It is not only a legal requirement, but it also provides vital protection for riders. Motorcycle insurance safeguards you financially in the event of a collision, theft, or damage to your bike. It protects you from possible responsibility if you injure or damage the property of others. Furthermore, having motorcycle insurance gives you peace of mind and allows you to ride confidently because you're protected against unanticipated occurrences on the road. Motorcycle insurance, whether it's liability coverage, accident benefits, or comprehensive protection, is a vital investment that guarantees you can enjoy your ride with more peace of mind.

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 in Alberta?

Yes, insurance is mandatory in Alberta 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.

How do you calculate the insured value of a motorcycle?

A number of variables must be considered when calculating the insured value of a motorcycle. First, the motorcycle's worth on the market is considered, which can be assessed by researching comparable models and their selling prices. Modifications, accessories, and upgrades to the bike or scooter may also be taken into account. In addition, factors such as the motorcycle's age, condition, and mileage will be considered as well. Furthermore, if you are in an accident where your bike is a total loss, your insurance companies may also consider the replacement cost.

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.