Motorcycle Insurance
What Is Motorcycle Insurance?
Motorcycle insurance protects you, your bike, and others in case of an accident, damage, or theft.
In Ontario, it is legally required to carry insurance before you can register or ride any motorcycle on public roads.
Motorcycle insurance typically includes:
- Liability coverage: For injury or damage to others
- Accident benefits: Covers medical care, rehab, and income loss
- Direct Compensation – Property Damage (DCPD)
- Uninsured motorist coverage
Optional coverage can include:
- Collision: Covers repairs or replacement of your bike
- Comprehensive: Covers theft, fire, vandalism, weather damage
- Loss of use, accessory coverage, and storage protection
What Types of Bikes Can Be Insured?
We offer insurance for a wide range of motorized bikes, including:
Cruisers, touring bikes, and sport bikes
Standard motorcycles
Dual-sport and adventure bikes
Mopeds and scooters
Three-wheel motorcycles (trikes)
We also offer coverage for custom builds and vintage bikes, depending on use and condition.
Why Is Motorcycle Insurance So Important?
Riding without proper coverage is not only illegal—it can leave you financially and personally vulnerable.
Motorcyclists are more exposed to injury and damage than car drivers. Insurance provides essential protection, including:
Medical care and recovery support
Legal coverage if you’re held responsible for an accident
Repairs or replacement if your bike is damaged or stolen
Optional add-ons for gear, accessories, and roadside support
How Much Does Motorcycle Insurance Cost in Ontario?
Premiums for motorcycle insurance vary based on:
Your age, riding experience, and license type
The type and value of your bike
Annual mileage and riding season (May–October in most cases)
Where the bike is stored (garage vs. street parking)
Your driving and claims history
Any safety courses you’ve completed
We help riders find the best coverage at the best price by comparing quotes across trusted Ontario insurers.
Start Your Motorcycle Insurance Quote
Ready to ride with confidence?