Motorcycle Insurance in Scarborough

Here at BrokerLink, we are experts in auto insurance, committed to helping the people of Scarborough find a broad selection of insurance possibilities. While car insurance in Scarborough is among our premier services, we’re also highly skilled in offering outstanding motorcycle insurance policies. Below, you'll find more information about our customized motorcycle insurance plans.

Motorcycle insurance coverage in Scarborough, Ontario

Anyone who owns and operates a motorcycle in the province must have a valid year-round motorcycle insurance policy with certain mandatory coverage, including third-party liability, accident benefits, direct compensation-property damage (DC-PD), and uninsured motorist coverage. Riding without the proper motorcycle insurance in Ontario or anywhere else in Ontario can lead to serious legal consequences such as fines, licence suspension, and vehicle impoundment.

Below, we provide an in-depth description of each of these coverage types:

Third-party liability coverage

Third-party liability coverage for motorcycles in Scarborough, Ontario, is a mandatory form of insurance that provides protection against legal liability if the insured rider is found at fault for injuries or damages to another person or property. In Ontario, motorcycle riders are required to have at least a minimum amount of this coverage, typically including a specific limit for bodily injury and property damage. It’s designed to cover the medical costs, legal fees, and other associated expenses if you are held legally responsible for an accident.

Direct compensation-property damage coverage (DC-PD)

DC-PD coverage is part of the standard auto insurance policy in the province. It covers the damage to your motorcycle and any loss of its contents in the event of an accident for which you were not entirely at fault.

Under this coverage, if another motorist is at fault or partially at fault for the accident, you would deal directly with your own insurance company for compensation rather than the at-fault party’s insurer. The amount of compensation would be determined by the degree of fault assigned to the other driver.

DC-PD coverage simplifies the claims process, as you deal with your own insurer regardless of who is at fault. It's mandatory coverage in Ontario, so every motorcyclist in Scarborough and throughout the province must have this protection as part of their insurance policy.

Uninsured motorist coverage

Uninsured motorist coverage for motorcycles in Scarborough, Ontario, is designed to provide protection if you’re involved in an accident with a driver who does not have valid insurance or whose insurance is insufficient to cover the damages.

In Ontario, this coverage typically includes two parts:

Uninsured Endorsement

This part protects you if you’re in an accident with an uninsured driver or hit-and-run driver and you are not at fault. It can cover the difference between your policy’s limits and the amount of your claim up to the limits specified in the endorsement.

Family Protection Endorsement

This extends the coverage to include not only you but also family members who live with you. If you or a family member are injured or killed by an uninsured or underinsured motorist, this endorsement can provide additional coverage.

Accident benefits coverage

Accident benefits coverage for motorcycles in Scarborough, Ontario, is a mandatory part of auto insurance that provides support if you are injured in a motorcycle accident, regardless of who is at fault. It’s intended to cover various medical and associated expenses to assist with recovery and financial stability following an accident.

In Ontario, accident benefits coverage generally includes:

  • Medical and rehabilitation benefits
  • Income replacement benefits
  • Attendant care benefits
  • Funeral expenses and death benefits

Optional coverage for motorcyclists in Scarborough

Optional coverage for motorcyclists in Scarborough offers additional layers of protection that go beyond the mandatory insurance requirements in Ontario. While standard policies cover essential aspects like third-party liability, accident benefits, and direct compensation-property damage, optional coverage allows riders to tailor their insurance to their specific needs and concerns. These may include protections against theft, vandalism, or damages from natural disasters, along with offerings like collision insurance, comprehensive coverage, and more.

Understanding how each type of coverage can provide protection is vital; below, you will find in-depth descriptions of each option:

Comprehensive coverage

Comprehensive coverage for motorcycles is an elective insurance option that safeguards against damages not related to collisions. This encompasses protection for situations such as vandalism, theft, natural disasters, fire, falling objects, or colliding with an animal. While not a legal necessity in Scarborough, Ontario, comprehensive coverage is frequently seen as a wise investment for motorcycle owners, particularly those with newer or higher-value bikes. It’s designed to cover the expenses of repair or replacement, subject to the chosen deductible. It can also offer coverage in the event of a disaster which happens during the off season, such as a garage or building fire that destroys your motorcycle.

Collision coverage

Collision coverage is another optional insurance add-on that pays for damage to your motorcycle if you’re involved in a collision with another vehicle or object or if your motorcycle overturns. Collision coverage deals specifically with damages to your own vehicle, regardless of whether you’re at fault for the accident. It can cover the repair or replacement costs. While not legally required in Scarborough, Ontario, collision coverage is often recommended, especially if you have a newer or more valuable motorcycle. It might also be required by a lender if you have a loan on the motorcycle.

Accident forgiveness coverage

Accident forgiveness coverage for motorcycles in Scarborough is an optional endorsement that can be added to a motorcycle insurance policy. It’s designed to protect policyholders from a rate increase following their first at-fault or partially at-fault accident. Typically, if you’re at fault in an accident, you might see an increase in your insurance premiums. Accident forgiveness coverage prevents this increase for the first at-fault accident, keeping your premiums at the same level. However, typically this coverage applies only once, meaning if you have a second at-fault accident, your rates could then go up.

Loss of use coverage

Loss of use coverage for motorcycles in Scarborough is an optional insurance feature that provides compensation for alternative transportation costs if your motorcycle is rendered unusable due to a covered loss, such as an accident, theft, or other insured events. Loss of use coverage can be an attractive option for motorcyclists in Scarborough who rely on their motorcycles for daily transportation and would be inconvenienced without it. By adding this coverage to your policy, you can mitigate the inconvenience and additional costs that may arise if your motorcycle is temporarily out of commission due to a covered event.

Factors that affect motorcycle insurance premiums in Scarborough

In the bustling city of Scarborough, motorcycle enthusiasts encounter various considerations when seeking insurance coverage. Understanding the factors that influence motorcycle insurance premiums is crucial for riders to make informed decisions about their policies. These determinants encompass a range of elements, and by delving into these factors, motorcyclists can gain valuable insights into the intricacies of insurance rates, enabling them to secure the most suitable and cost-effective coverage for their two-wheeled adventures in Scarborough:

Age and experience

Insurance companies often consider age and riding experience when calculating premiums. Older, more experienced riders may be perceived as safer and less prone to accidents, leading to potentially lower insurance costs. Learn more about safety from our safe driving tips or our motorcycle riding safety guide.

Motorcycle type, make, and model

The type of motorcycle you own can significantly influence insurance premiums. High-performance bikes or expensive models may be more costly to insure due to higher replacement costs and a greater likelihood of theft. Here’s what you need to know about buying a motorcycle.

Driving record

Your driving record, including any traffic violations or previous convictions, can impact your motorcycle insurance rates. A clean driving history usually translates to lower premiums.

Claims history

A rider’s past claims history can impact their insurance premiums. A history of previous accidents or frequent claims may result in higher premiums since it suggests a higher risk to the insurer.

Safety features and modifications

Motorcycles equipped with safety features such as anti-lock braking systems (ABS) may qualify for discounts. Conversely, extensive modifications to your bike may lead to higher premiums.

Coverage options and deductibles

The level of coverage and deductibles you choose can affect the premium. Opting for comprehensive coverage or lower deductibles may raise your premiums but provide more extensive protection.

Where you ride and park

Urban areas with higher traffic density and crime rates can lead to increased premiums due to the elevated risks associated with accidents and theft. Insurance companies take various location-related factors into account, such as traffic and crime rates in your neighbourhood, as well as the likelihood of weather or climate-related incidents occurring. The higher the chances of accidents, motorcycle theft, vandalism, or weather-related damages in your area, the higher your insurance premium is likely to be. Furthermore, the parking location of your motorcycle matters too. Riders who park their motorcycles in covered garages may enjoy more affordable rates compared to those who park on the street or in an uncovered driveway.

While BrokerLink can help customers in Scarborough understand the factors that impact motorcycle coverage rates and provide free quotes, we do not determine coverage rates. The responsibility for setting rates rests with insurance companies, not insurance brokers. Nonetheless, a BrokerLink insurance broker can offer assistance in various other areas, such as renewing your car or motorcycle insurance , adding endorsements or riders to your policy, facilitating online claims filing, and more.

Start saving on your motorcycle insurance premiums in Scarborough today

If you’re a motorcycle enthusiast in Scarborough, eager to embark on the journey of saving on your insurance premiums, you’ve come to the right place. Whether you’re a seasoned rider or a newcomer to the world of motorcycling, understanding the factors that influence insurance costs and implementing smart approaches can make a significant difference in your wallet. Below we explore practical and effective strategies to help you start saving on your motorcycle insurance today:

Bundle policies

If you have other insurance policies, such as home and car insurance, consider bundling them together with your motorcycle insurance under the same provider. Many insurers offer discounts for customers who combine multiple policies, resulting in cost savings on all the policies.

Choose the right coverage

Carefully review your coverage requirements and assess what level of protection you genuinely need. While comprehensive coverage provides extensive protection, opting for higher deductibles can help lower your insurance premiums.

Choose a higher deductible

Choose a higher deductible to lower insurance premiums. The deductible amount, ranging on average from $250 to $2,000, determines your out-of-pocket expense before coverage takes effect. Ensure it aligns with your budget for manageable savings.

Safety courses

Enroll in recognized motorcycle safety courses to improve your riding skills and demonstrate your commitment to safe practices. Completing these courses can often lead to potential insurance discounts, as insurers value responsible and well-trained riders. Learn more about motorcycle safety with our five group motorcycle safety tips.

Maintain a clean driving record

Avoid traffic violations and accidents to maintain a clean driving history. Most motorcycle insurance companies generally consider drivers with a positive record to be less risky, resulting in lower insurance premiums.

Enhance security

Enhance the security of your motorcycle by installing anti-theft devices like alarms, immobilizers, or GPS trackers. Such safety measures reduce the risk of theft and make your motorcycle less vulnerable to insurance companies, potentially resulting in lower insurance costs.

Garage parking

When not in use, park your motorcycle in a secure garage or storage facility. Insurance providers may offer reduced rates for motorcycles parked in a safe location, as it minimizes the chances of theft or damage.

Be cautious with modifications

Be cautious with aftermarket modifications that increase the motorcycle’s performance. Extensive modifications may lead to higher insurance costs, as they could increase the risk of accidents or theft. Stick to factory specifications for more affordable premiums. If you are involved in an accident with a modified motorcycle that you did not advise your insurance company of, this may lead to a void or denial of coverage.

Reduce annual mileage

Provide accurate estimates of your annual mileage to insurers. Lower mileage typically translates to reduced premiums, as it decreases the likelihood of accidents.

Work with an insurance broker

An insurance broker takes the time to request quotes from several insurance providers. Each company may offer different rates and coverage options, and an insurance broker will compare each quote on your behalf. This will help you to save money and find the most suitable policy for your specific needs.

Ask about discounts

Communicate with your motorcycle insurance company or broker to explore potential discounts for motorcycle riders in Scarborough. These discounts may encompass loyalty rewards for long-term customers, good student benefits for eligible young riders, or cost reductions for equipping anti-theft devices on your motorcycle.

Why BrokerLink?

BrokerLink, a comprehensive insurance brokerage, is tailored to the needs of the residents of Scarborough. We’re dedicated to providing exceptional insurance services, creating a seamless and worry-free experience in shopping for insurance. Our team of knowledgeable Scarborough insurance brokers is adept at comparing costs, ensuring that you receive the finest motorcycle insurance at competitive prices. With our unwavering commitment to offering impartial and informed advice, we assist you in making self-assured decisions regarding your insurance needs.

When you choose BrokerLink as your insurance partner in Scarborough, you’ll find three distinct factors that set us apart from our competitors:


BrokerLink’s independent brokers prioritize your needs and maintain objectivity. They thoroughly examine various insurance options to discover the one that aligns with your unique requirements, considering factors like your budget and lifestyle. Rather than promoting a specific product, they shape the ideal coverage tailored to your specific needs.

Full-service support

Your authorized broker at BrokerLink takes care of everything for you, from collecting and analyzing options from reputable insurance providers to identifying the best fit for your needs and assisting with claims and renewals of expired car insurance. You can have complete confidence in our team to be a consistent and trustworthy advocate throughout the entire insurance process.


With a history of serving customers for more than thirty years, the knowledgeable team at BrokerLink is dedicated to finding the insurance coverage that is just right for your needs and budget. As expert insurance professionals, we prioritize competitive pricing, ensuring that you receive outstanding value for your insurance purchase.

We’re in your community

Getting involved in the community is a big part of who we are. We live and work in your community. We love meeting our neighbours!

Local Ontario Insurance Links

If you’re a member of a group or association, you may be eligible for more discounts.

Contact us for a free insurance quote in Scarborough

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

You can reach us by phone, email, or in person at any one of our locations throughout Ontario. 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 online free quote tool that can provide you with a competitive quote in minutes.


FAQs for motorcycle insurance in Scarborough

What types of motorcycles need motorcycle insurance in Scarborough?

All types of motorcycles, including standard bikes, cruisers, sportbikes, touring motorcycles, and any other two-wheeled motorized vehicles, need motorcycle insurance in Scarborough. Whether you ride a powerful sports bike, a comfortable cruiser, or a nimble moped, having the appropriate insurance coverage is a legal requirement and essential for your financial protection and the safety of others on the road.

What is the average cost of motorcycle insurance in Ontario?

The average cost of motorcycle insurance in Ontario varies widely based on factors such as the rider’s age, driving record, type of motorcycle, coverage options, and location. According to available data, the average annual premium for motorcycle insurance in Ontario ranges from $1,500 to $3,500. However, keep in mind that insurance rates may change regularly, and it’s best to get personalized quotes from insurance providers to determine the current average cost for your specific circumstances.

Who has the cheapest motorcycle insurance in Scarborough?

Insurance premiums are influenced by various factors such as the type of motorcycle, your riding history, coverage options, and other personal details. To find the cheapest motorcycle insurance in Scarborough, it’s essential to compare quotes from multiple insurance providers or work with an insurance broker to obtain personalized quotes and identify the most affordable option for your motorcycle insurance needs in Scarborough.

What’s the difference between motorcycle and car insurance?

Car insurance and motorcycle insurance differ in terms of the vehicles they cover and the specific risks they address. Car insurance provides coverage for automobiles, including cars, trucks, and SUVs, while motorcycle insurance specifically covers motorcycles, mopeds, and similar two-wheeled vehicles. The coverage options and premiums may vary between the two types of insurance due to differences in vehicle size, usage, and associated risks on the road.

Can you ride a motorcycle without insurance in Ontario?

No, it is illegal to ride a motorcycle without insurance in Ontario. Motorcycle insurance is mandatory in the province, and all motorcyclists must have valid insurance coverage to operate their motorcycles on public roads legally. Failure to carry insurance can result in fines, penalties, and the possibility of having your motorcycle impounded. It is essential to ensure that you have the required insurance coverage to protect yourself and others while riding in Ontario.

Can I add motorcycle coverage to my home insurance policy?

Since motorcycles are separate and distinct types of vehicles, they typically require specialized motorcycle coverage to cover them adequately. Motorcycle coverage provides specific coverage tailored to the risks and needs of motorcycle riders, such as liability coverage for bodily injury or property damage, collision coverage, comprehensive coverage, and coverage for medical expenses. Some insurance companies may offer bundle packages or multi-policy discounts, allowing you to combine your motorcycle coverage with your home insurance to receive a bundle discount on both policies.

If you have any questions, contact one of our local branches.