Motorcycle Insurance in Ontario

Accident benefits coverage is for when you get into an accident and someone is injured. Under this portion of your policy, you can receive compensation for medical expenses not covered by the Ontario Health Insurance Plan (OHIP), like rehabilitation or prescription medication. It can also cover lost income if someone was forced to miss work due to their injury or funeral expenses if someone passed away in the accident.

Uninsured motorist coverage aims to protect drivers should they find themselves in an accident with someone who does not have any form of car insurance or sufficient insurance to cover the cost of the accident. It also protects against hit-and-run accidents should you get into an accident with a driver who flees the scene.

Also known as no-fault coverage, DCPD covers repairs to your motorcycle if you're not at fault in a collision. The benefit of DCPD is that, instead of waiting on the other driver's insurance company, you get to deal directly with your own insurance provider, which makes the claims process easier and faster.

Collision (or upset) coverage is designed to protect riders if they get into an accident that damages their motorcycles. This includes an accident with another vehicle, a stationary object like a tree or guard rail, or if you flip over. Collision coverage kicks in no matter who is at fault for the accident.

Comprehensive coverage protects your motorcycle if it is lost or damaged while parked. It protects against a wide range of risks, like theft, vandalism, water, hail, fire, and falling objects. If your motorcycle is lost or damaged due to any covered risk, your insurance company will issue a payout that helps cover the cost of repairing or replacing it.

One more type of optional motorcycle insurance coverage popular among Ontario riders is accident forgiveness. Accident forgiveness is additional coverage that can be added to your motorcycle insurance policy as an endorsement to protect your driving record and to help prevent your insurance premium from increasing if you have an at-fault accident claim.