Motorcycle Insurance in Windsor

As auto insurance specialists, BrokerLink is dedicated to assisting Windsor residents in discovering a wide range of insurance options. Although Windsor car insurance remains one of our top-notch offerings, we also excel in providing customers with exceptional motorcycle insurance policies. Explore further details about our personalized motorcycle insurance plans outlined below.

Is motorcycle insurance required in Windsor?

Indeed, similar to Windsor's car insurance requirements, motorcycle insurance is obligatory when operating a motorcycle anywhere in the province. Ontario mandates four essential types of motorcycle insurance coverage: third-party liability coverage, accident benefits coverage, direct compensation-property damage coverage, and uninsured automobile coverage. Below, we provide a comprehensive description of each of these coverage types:

Third-party liability coverage

In Ontario, third-party liability insurance is the primary mandatory coverage for all motorcycle riders, requiring a minimum of $200,000 in third-party liability insurance within their policies. This essential coverage is designed to safeguard you in the event of an at-fault accident while operating your motorcycle. In such circumstances, liability insurance can provide financial protection for legal expenses, including settlement and defence fees, as well as any relevant medical and repair costs.

Accident benefits coverage

Accident benefits coverage provides protection to Ontario riders in the unfortunate event of an accident leading to bodily harm or injury, necessitating medical attention. For instance, if you were to sustain a concussion in a motorcycle accident, the accident benefits section of your motorcycle insurance policy would cover medical expenses not covered by your health insurance. This may include medical costs for rehabilitation, physical therapy, prescription drugs, and other related expenses. Moreover, accident benefits coverage extends its advantage by compensating the policyholder for medical expenses incurred by others involved in the accident, such as the other driver or a passenger.

Direct compensation-property damage coverage

In Ontario, direct compensation-property damage coverage is an essential component of mandatory motorcycle insurance. This coverage ensures that you are reimbursed for the expenses incurred in repairing your motorcycle if it sustains damage in an accident. It's important to note that direct compensation can only be claimed if you were not at fault for the collision.

Uninsured automobile coverage

Uninsured automobile coverage offers vital protection for Windsor drivers, shielding them from hit-and-run incidents and accidents involving motorists without insurance. With this mandatory auto insurance coverage, your insurer will handle the expenses if you are involved in a collision with an uninsured, underinsured, meaning their insurance is insufficient to cover the accident costs, or unidentified, such as in the case of a hit and run motorist.

Additional coverage options for motorcyclists in Windsor

Now that you have gained insights into mandatory motorcycle insurance coverage in Windsor, let’s explore optional coverage types for motorcycle insurance. Although not legally mandated like the four coverages mentioned earlier, the following types of optional coverage are highly recommended for many riders. Understanding how each type can provide protection is crucial; you can find detailed descriptions of each option below:

Collision coverage

Collision coverage comes to your aid in the event of an accident involving another vehicle or object on the road, covering the expenses to repair your motorcycle. The advantage of collision coverage lies in its applicability regardless of whether you were at fault for the accident or not, unlike direct compensation - property damage coverage. If you lease or finance your motorcycle, it’s crucial to bear in mind that your lease or financing agreement might require you to purchase collision coverage.

Comprehensive coverage

Comprehensive coverage provides protection for riders and their motorcycles even when they are parked. Also known as parked car coverage, it offers financial support for non-collision-related damages or losses. For instance, if your motorcycle is stolen or damaged by a falling tree branch, the comprehensive coverage in your policy would step in to reimburse you for the replacement or repair costs. However, it's essential to note that for your comprehensive coverage claim to be approved, the damage must have been caused by a named peril listed in your policy. These named perils may include theft, fire, vandalism, water damage, windstorms, falling objects, and collisions with animals, among others.

Accident forgiveness coverage

Accident forgiveness coverage is a popular addition to motorcycle insurance policies chosen by many riders. It serves as an endorsement that safeguards your driving record and prevents your insurance premium from rising in the event of an at-fault accident claim. Please be aware that coverage and eligibility for accident forgiveness coverage may differ based on the province you reside in.

Elements that impact motorcycle insurance premiums in Windsor

Windsor’s motorcycle insurance rates vary among policyholders due to a range of factors considered by insurance companies during premium calculations. These factors include age, gender, motorcycle type, and completion of a motorcycle safety course. Understanding how each detail can influence your insurance rates is crucial. Delve deeper into the impact of these factors on your premiums below:

Your motorcycle’s make and model

The type of motorcycle you own plays a crucial role in determining your insurance rates. Different models have varying risk profiles, which can affect the likelihood of accidents or theft, ultimately influencing the premium cost. Generally, high-performance and expensive motorcycles may result in higher insurance rates, as they are typically associated with greater risks. Conversely, opting for a more economical motorcycle or one with a high safety rating can potentially lead to savings on your motorcycle insurance.

Your age

Age is a significant factor considered by insurers. Younger riders, particularly those younger drivers , are often deemed higher risk due to their lack of driving experience, leading to potentially higher premiums. On the other hand, more experienced riders may benefit from lower insurance rates.

Your gender

Historically, statistics have shown that males tend to have a higher accident rate than females, which has led to a gender-based distinction in insurance rates. However, this distinction is not as prevalent in many regions due to changes in insurance regulations.

Your driving record

Your driving history plays a vital role in determining your motorcycle insurance rates. A clean driving record with no accidents or traffic violations can lead to more favourable premiums, indicating responsible and safe driving practices. On the contrary, a record with past claims or infractions may result in higher rates.

Your choice to complete a motorcycle safety course

Many insurance providers offer discounts to riders who voluntarily complete approved motorcycle safety courses. These courses equip riders with valuable skills and knowledge, reducing the likelihood of accidents and improving overall safety. As a result, completing such courses can lead to lower insurance premiums.

Where you ride and park your motorcycle

The location where you primarily ride and park your motorcycle also impacts insurance rates. Urban areas with higher traffic density and crime rates may increase premiums due to the heightened risks associated with accidents and theft. Insurance companies will consider various factors related to your location, such as traffic and crime rates in your neighbourhood. They also assess the likelihood of weather or climate-related incidents occurring. The higher the probability of accidents, motorcycle theft, vandalism, or damage caused by adverse weather conditions in your area, the more expensive your insurance premium is likely to be. Additionally, where you park your motorcycle matters as well. Riders who park their motorcycles in covered garages may enjoy more affordable rates than those who park on the street or in an uncovered driveway.

Please remember that while BrokerLink can assist Windsor customers in comprehending the factors influencing motorcycle insurance rates and offering free quotes, we do not establish coverage rates. The responsibility for setting rates lies with insurance companies, not insurance brokers. Nevertheless, a BrokerLink insurance broker can provide support in numerous other aspects, including renewing your insurance for your car or motorcycle, adding endorsements or riders to your policy, helping you file a claim online, and more.

How you can save on your motorcycle insurance premiums in Windsor

If you’re looking to save money on your Windsor motorcycle insurance, be sure to review the following cost-saving tips. This list has been compiled by BrokerLink’s team of motorcycle insurance experts specifically for your benefit. By the end of these tips, you’ll have a clear understanding of how to lower your motorcycle insurance premium and maintain affordable rates:

Choose a higher deductible

A deductible is the amount you agree to pay out-of-pocket before your insurance coverage kicks in. By selecting a higher deductible, you assume more financial responsibility in the event of a claim, which can lower your insurance premium. Making this simple change can lead to potential savings since insurance policies typically offer deductible choices ranging from $250, $500, $1,000, to $2,000. While selecting a higher deductible can often lead to lower insurance rates, it’s essential to choose an amount that is manageable and fits within your budget.

Maintain a clean driving record

Your driving history is a significant factor in determining insurance rates. A clean driving record, free of accidents and traffic violations, demonstrates responsible driving behaviour, making you a lower risk for insurance companies and qualifying you for potential discounts. Emphasizing safe driving not only ensures the safety of yourself and others on the road but also presents the opportunity for lasting financial benefits and a sense of security.

Complete a motorcycle safety course

Many insurance providers offer discounts to riders who have successfully completed an approved motorcycle safety course. These courses provide valuable skills and knowledge to enhance your riding abilities and reduce the likelihood of accidents, leading to potential savings on premiums. Insurance providers view the completion of a recognized driving course favourably, as it highlights you as a safer and more responsible driver.

Bundle insurance policies

If you have multiple insurance needs, consider bundling them with the same insurance provider. If you are considering buying various types of insurance, like home insurance, property insurance, business insurance, critical illness insurance, or others, we highly recommend inquiring about bundling options. Bundling multiple policies together could lead to potential savings on each policy. Additionally, if you consolidate all your vehicles with a single auto insurance company like BrokerLink, you may qualify for our multi-vehicle discount, providing you with additional cost savings.

Choose the right motorcycle

The type of motorcycle you ride can impact your insurance rates. High-performance or expensive motorcycles may have higher insurance costs due to increased repair expenses and perceived risk. Before purchasing a motorcycle, research its potential impact on insurance premiums to make an informed decision.

Park your motorcycle securely

Where you park your motorcycle can influence insurance rates. Parking your bike in a secure garage or storage facility reduces the risk of theft or damage, potentially resulting in lower premiums compared to parking on a Windsor street or in an uncovered area.

Be mindful of your location

Your address plays a role in insurance rates as well. Living in areas with higher traffic density or higher crime rates may lead to increased premiums. If possible, consider moving to a safer neighbourhood to potentially qualify for lower insurance rates.

Review your coverage annually

Regularly assess your insurance needs and adjust your coverage as necessary. As your circumstances change, you may become eligible for different discounts or coverage options. Keeping your coverage up-to-date ensures you get the most value from your Windsor insurance policy.

Spend less time on the road

Insurance savings are directly influenced by how often you ride your motorcycle . As such, providers offer rewards to riders who drive less frequently, as it reduces the likelihood of accidents. By reducing your time on the road through options like public transit, walking, cycling, or carpooling, you may become eligible for an insurance discount. In some cases, if your usage is significantly low, you might be categorized as an occasional driver, resulting in some of the lowest available insurance rates.

Equip your motorcycle with a telematics device

Installing a telematics device on your motorcycle or using a telematics application on your phone can qualify you for a motorcycle insurance discount. These devices and apps monitor your riding behaviour, rewarding safer and more responsible riding skills with lower premiums. To learn more about telematics discounts and the insurance companies that offer them, consult a BrokerLink insurance advisor.

Ask about discounts

Speak with your insurance provider to inquire about available discounts for motorcycle riders in Windsor. Some common discounts include loyalty discounts for long standing customers, good student discounts for eligible young riders, or discounts for installing anti-theft devices on your motorcycle.

Work with a licensed insurance broker

In Windsor, the most effective way to discover a high-quality motorcycle insurance policy at a competitive price is to seek assistance from licensed insurance brokers, such as those at BrokerLink. Our dedicated team of motorcycle insurance specialists offers a comprehensive range of services, including explaining the intricacies of motorcycle insurance coverage, diligently searching for suitable insurance products, and providing recommendations tailored to your requirements. As seasoned insurance experts, your BrokerLink insurance broker can also identify potential motorcycle insurance discounts and offer guidance on cost-saving measures for your coverage.


Why work with BrokerLink?

BrokerLink is a comprehensive insurance brokerage that caters to the needs of Windsor residents. Our dedication to delivering outstanding insurance services ensures a seamless and hassle-free insurance shopping experience. Our team of experienced Windsor insurance brokers takes the lead in comparing prices on your behalf, ensuring you obtain the best motorcycle insurance at competitive insurance rates. With a commitment to providing impartial and well-informed advice, we empower you to make confident decisions regarding your insurance requirements.

Opting for BrokerLink as your insurance ally in Windsor brings forth three compelling factors that distinguish us from others:


Our independent brokers prioritize your interests, ensuring impartiality. We carefully assess multiple coverage options to find the most suitable insurance for you, considering your needs, budget, and lifestyle. Your dedicated insurance brokers tailor the ideal coverage specifically to your requirements rather than pushing a particular product.

Full-service support

At BrokerLink, your authorized broker handles everything for you—collecting and analyzing coverages from reputable providers, providing the best options for your needs, and offering support for claims and expired car insurance renewals. You can trust our team to be your dependable insurance advocate throughout the entire process.


At BrokerLink, our experienced team has been serving customers for over three decades, dedicated to finding insurance coverage that perfectly matches your needs and budget. As seasoned insurance professionals, we prioritize offering you competitive pricing, ensuring excellent value for your insurance investment.

At BrokerLink, we take pride in providing tailored solutions to safeguard you, your loved ones, and your assets in Windsor. We recognize the distinct challenges that Windsor drivers encounter, and our relentless efforts ensure you have access to the finest coverage and most affordable motorcycle insurance rates. Visit our location in Windsor today and allow our dedicated team of insurance brokers to lead you through the process and secure the protection you rightfully deserve.

Local Ontario Insurance Links

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Contact BrokerLink today for your free motorcycle insurance quote in Windsor

At Windsor 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 Windsor

What types of motorcycles need motorcycle insurance in Windsor?

In Windsor, owning auto insurance is mandatory for all motor vehicle drivers, including motorcycles. Regardless of the type of motorcycle, from cruisers to sports bikes to restricted-speed motorcycles, including mopeds and motorized scooters, you are required to purchase a motorcycle insurance policy.

Where can I obtain a free motorcycle insurance quote in Windsor?

You can request a free motorcycle insurance quote in Windsor by contacting an insurance company or broker. Simply express your interest in obtaining a complimentary quote and provide some necessary information. To prepare your quote, the insurance agent or broker will likely inquire about details such as your age, driving record, home address, claims history, and your preferred coverage options and deductible amounts.

Do I need a valid driver’s licence to buy Windsor motorcycle insurance?

In Windsor, it is a requirement to present proof of a valid Ontario driver’s licence to be eligible for motorcycle insurance. Therefore, before approaching your local insurance agent or broker to discuss insurance coverage, ensure you have obtained your driver’s license.

How do I renew my motorcycle insurance policy in Windsor?

Renewing Windsor motorcycle insurance is similar to renewing car insurance. The process is quick and convenient, and you have multiple options to choose from, including online renewal, phone renewal, or visiting your local insurance broker’s office in person. Moreover, some motorcycle insurance policies offer automatic renewal, alleviating the need for manual renewal before the coverage expires.

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