Motorcycle Insurance in Ottawa

According to the City of Ottawa, between 2019 and 2023, 80 accidents in Ottawa resulted in motorcyclists losing their lives or being seriously injured. Accident benefits safeguard policyholders against the high cost of medical care if someone is injured following a car accident.

You can claim accident benefits for a wide range of injury-related costs, like medical fees not covered by basic Ontario healthcare (e.g. physical therapy or prescription medications), loss of income, and funeral expenses.

The Ottawa Police Department reports 19,777 collisions in 2024, with 4,032 collisions classified as “fail to remain” at the scene. Uninsured motorist coverage, also known as uninsured automobile coverage, compensates policyholders for a wide range of expenses if they get into an accident with a driver who does not have insurance.

It can also cover you against drivers who are underinsured and do not have enough coverage to pay for the cost of the damages, as well as unidentified drivers who illegally flee the scene of the accident.

Comprehensive coverage covers the cost of repairing or replacing your motorcycle if it is damaged in a non-collision event, including theft, vandalism, fire, water damage, falling objects, and other extreme weather conditions. When filing a claim, you'll only need to pay your deductible amount to your provider, which ranges between $300 and $1000, before they cover any of the remaining expenses.

Collision or upset coverage will cover the cost of repairing your vehicle if it is damaged in an at-fault collision with another vehicle, animal, or stationary object. Again, you'll only need to pay your deductible before remaining costs are covered by your provider.

Direct compensation - property damage is no longer mandatory in Ontario as of January 1, 2024. This coverage kicks into place when you are hit by an at-fault driver. Rather than dealing with the other driver's insurance company, DCPD allows you to navigate the claims process with your own provider, ensuring speedy compensation.

Accident forgiveness coverage is another type of motorcycle insurance that many Ottawa riders choose to include in their policies. 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. Note: Coverage varies between provinces.