Motorcycle Insurance in Ontario

Whether you’re embarking on a long trip with your cycle association or a casual Sunday ride on local backroads, riding a motorcycle is truly an enjoyable activity. However, riding a motorcycle comes with some potential risks. Motorcycle accidents are more likely to result in a serious injury or death than an average car accident. Because of that, it is extremely important for motorcyclists to learn about safety; how to avoid the most frequent causes of accidents, and about having an insurance policy that covers you in the event of an accident.

The Risks Of Riding A Motorcycle

Motorcyclists often face higher risks and are more vulnerable than drivers of other vehicle types because they have two wheels rather than four, and riders are not protected by an outer structure, like a car.

The following are common risks of riding a motorcycle:

  • Motorists pulling out in front of your motorcycle
  • Drivers failing to see motorcycles
  • Motorists failing to signal their intentions
  • Car drivers driving distractedly
  • Motorists driving under the influence

Because motorcycles have no exterior to help protect you in an accident, more serious injuries may result, such as:

  • Traumatic brain injuries (TBI)
  • Spinal cord injuries
  • Lower-extremity injuries
  • Internal injuries
  • Fractures
  • Road rash

What Is Motorcycle Insurance?

Motorcycle insurance provides financial protection in the event of a motorcycle accident that results in loss, damage and injury. There are different policy types, some of which can include coverage for the cost of injuries to others and damage to their property when you're at fault. Your policy can also protect your motorcycle in case of damage due to unexpected events, such as fire, and damaging weather.

Theft is another concern for motorcycle owners, as bikes are much easier to steal than other vehicles. Once stolen, motorcycles are easy to strip down, rebuild, and sell.

Having sufficient accident benefits coverage is vital no matter where you ride, and especially if you plan to race your bike, either competitively or for fun, and whether you plan to race it on level ground or on off-road, motocross tracks.

What does Motorcycle Insurance cover in Ontario?

Just like a car insurance policy, there are many different coverage options that you can choose to include on your motorcycle policy. Here are some of the most common coverages, and how they will protect you:

Collision or Upset

This will cover damages to your motorcycle if you’re at fault in an accident with another vehicle, or if you have a collision with a person, animal or object. In addition, you’re also covered in the event that your bike is damaged in a rollover accident.


This covers your motorcycle against loss or damage caused by other events such as fire, theft or vandalism. It also protects your bike if it’s damaged by severe weather that causes flooding, hail or windstorms.

Third Party Liability

If you’re involved in an accident that injures other people or damages someone else’s property, this part of your policy will come into play to protect you.

Accident Benefits

If you’re injured in an accident, this helps cover things like medical treatment, rehabilitation, attendant care and loss of income.

Uninsured Automobile Coverage

This protects your motorcycle if you’re involved in an accident caused by another driver who isn’t insured, and includes damages caused by a hit-and-run driver.

Factors affecting your motorcycle insurance rates

There is no set rate for a motorcycle insurance policy and it will be determined based on specific factors relating to you and your motorcycle. These factors can include, but are not limited to:

  • Type of motorcycle
  • Engine size
  • Your driving record / history
  • Your age
  • Where you live
  • Your gender
  • Where you park your motorcycle
  • The average number of miles you drive each week
  • Any safety certifications you may have

Ways to save money on motorcycle insurance

Motorcycle insurance can be pricey so we have some tips on how you can get the best bang for your buck when shopping for your motorcycle insurance policy.

  1. Compare prices and offers from at least three or more insurance carriers – every insurance company has different rates and discounts.
  2. Take advantage of the “multiple policy” discount. If you have an existing car or home insurance policy with a specific insurer, combine or bundle your motorcycle policy for extra savings.
  3. An excellent way to lower your insurance costs is to take a motorcycle safety course or get a certification. Great training can make you a better and safer rider and save you money over time if you keep your insurance record free of claims.
  4. Consider higher comprehensive and collision deductibles. The higher the deductible, the lower your premium. The deductible is the amount you pay out-of-pocket before your insurance carrier covers it.
  5. Keep your driving record clean. Accidents, tickets, and claims will drive up the costs of your policy.

Contact a BrokerLink insurance advisor

Buying motorcycle insurance is an essential part of owning and operating a motorcycle. Let BrokerLink be your resource for all things motorcycle insurance. From start to finish, our brokers handle the legwork to make sure you walk away satisfied. Contact us today and we’ll find the insurance coverage that works best for you.


Motorcycle Insurance in Ontario FAQs

Is motorcycle insurance required in Ontario?

Insurance for motorcycles is mandatory by law in the province of Ontario if you plan to drive on any public roads or highways. It is highly recommended that you invest in a policy in order to protect yourself and your vehicle.

Does motorcycle insurance cover theft in Ontario?

Basic coverage for a motorcycle in Ontario does not cover theft – only things such as accidents and liability. In order to be protected in the event of theft, you must add “Comprehensive” coverage to your policy. Comprehensive coverage will protect you against theft, as well as losses due to things such as fires and vandalism.

Does motorcycle insurance cover other riders in Ontario?

Yes, other riders will be protected under your policy in Ontario. The “Accident Benefits” section of your motorcycle insurance will cover any passengers you have on your motorcycle with you if you get into an accident. The “liability” section of your policy will protect you if anyone gets injured in accident that is your fault.

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