Motorcycle insurance in Manitoba

Riding is exhilarating, but it’s also higher risk than driving a car. If you’re injured, this part of your policy helps with medical care, rehabilitation, and even income replacement if you can’t work. It’s there so you can focus on healing instead of worrying about how to pay your bills.

While Basic Autopac still provides up to $70,000 in protection, the all-perils coverage for motorcycles is more limited than it is for cars. For vehicles, all perils are a combination of both collision and comprehensive, but for motorcycles, it only applies to collisions and upsets (i.e., situations like crashing, tipping over, or losing control). If you want protection against theft, fire, or weather damage, you’ll need to add optional coverage.

Comprehensive is one of the most popular add-ons for motorcycles because it expands your protection to things outside of crashes, such as theft, fire, vandalism, and weather damage. In Manitoba, motorcycles aren’t eligible for lay-up coverage, which lets car owners pause certain protections during off-season storage. That makes comprehensive especially valuable because it keeps your bike protected year-round, even while it's off the road. You can choose between a $500 or $200 deductible.

The basic liability limits in Autopac are just a starting point, and many riders decide to increase them. Medical claims and lawsuits can get expensive very quickly, especially if a crash causes serious injuries. While the default coverage begins at $500,000, you have the option to extend it all the way up to $5 million.

Basic Autopac comes with a standard $750 deductible that can feel steep if you ever have to make a claim. With this option, you can lower your deductible to $500, $300, or even $200, so that if something happens, you’re not facing as big an out-of-pocket cost before insurance helps cover the rest.

A lot of motorcycles are more than just a factory-standard machine. Maybe you’ve added custom parts, upgraded the exhaust, or installed new accessories. If your bike’s value is higher than the $70,000 that Basic Autopac accounts for, excess value coverage helps ensure those upgrades are protected.

If your motorcycle is essential to your business or daily life, what happens if your bike is in the shop after a collision? With Basic Autopac, you get some protection against loss of use if your bike is stolen or damaged in an accident where you're not at fault. But you must choose the least expensive, most reasonable transportation option. However, you can extend your loss of use coverage to cover up to $135 a day with a maximum of $3,564, even when you're at fault for the collision.

If you’ve just invested in a brand-new motorcycle, this option can save you from financial heartache. Instead of getting a depreciated payout if your bike is written off, new vehicle protection may provide a replacement bike or the original purchase price. It’s a way to keep that big investment protected in those early years.

Leasing a motorcycle can make it easier to get on the road, but it also changes who technically owns the bike. If the motorcycle is written off, the insurance payout usually goes straight to them, which leaves your own investment, like a down payment or trade-in credit, unprotected. Leased vehicle protection helps by reimbursing you for that amount, so you don’t lose the money you put in.

If you ever need to rent a motorcycle, moped, or other vehicle, having rental vehicle insurance through MPI can help you save up to $25 a day compared to purchasing insurance directly from the rental company. It gives you up to $5 million in liability protection if someone makes a claim against you, plus up to $100,000 in coverage for damage to vehicles rented outside Manitoba, with only a $200 deductible.