Canadian Motorcycle Insurance

The Canadian Motorcycle Insurance marketplace is challenging. 

Most car insurance companies do not offer insurance for motorcycles and prices vary substantially among those that do.

It is against the law to drive without motorcycle insurance in Canada. And why would you want to risk it? An accident while riding on a motorcycle could have severe consequences. If you hurt someone or damage their property your liability coverage will protect you from the financial consequences. And if you are injured or killed in an accident the accident benefits coverage will offer a basic amount of coverage. (Increased accident benefits are available and worth considering)

Important optional motorcycle insurance coverage’s include:

  • Collision - for damage to your bike in an accident that is your fault
  • Comprehensive - including fire, theft, specified perils
  • All Perils - combines collision & comprehensive
  • Family Protection (OPCF 44) – Protects you to the limits of your liability coverage if you are in an accident with someone who is underinsured or uninsured. This is inexpensive coverage and not worth foregoing.
  • Removing Depreciation – if your bike is brand new you should make sure you have this rider.

It is highly recommended that you discuss these coverage’s with your insurance broker.

To save on Canada motorcycle insurance it helps to take a rider training course and belong to certain riding or motorcycle associations. Read more about saving on Motorcycle Insurance Canada

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Note: Always speak with a licensed insurance professional about your specific situation. This insurance information is general in nature and the policy wordings always take precedence. It is possible that there are errors and omissions in this website and, or its authors, take no responsibility.

Keep in mind that insurance licensing, legislation, and policies often vary by province and most certainly by country. Canada Insurance Source is a free information source. So use this site to gain a general understanding of insurance with your own area and situation in mind.  Make sure you review the "please read" page. Always speak with a licensed insurance professional about your specific situation.

Always speak with a licensed insurance representative about your specific situation.

This site is general in nature and there may be errors or ommissions

Please Read

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