Restrictions
Don’t worry. Our customer representatives will ask you
all the right questions so you’ll know right away if you
are eligible for coverage or not. Simply call us or get a free motorcycle online
quote.
Licensing
To obtain an insurance policy, you and all the people you will list
as users of the motorcycle need to have a valid license.
Customization or modifications If you have altered your
motorcycle to enhance its performance or appearance, be aware that
we might not approve some modifications. Here are some examples:
- modifications to the frame or suspension
- any modification that might increase the power by over 25
cc’s from the manufacturer’s original
specifications
Past losses or convictions
Restrictions based on a prior accident record will vary depending
on whether you are looking for a new insurance policy or wish to
renew an existing policy. Other criteria include the time elapsed
since your conviction and the nature of the conviction.
Legal issues and non-payment
If you have been convicted of auto insurance fraud in the last 10
years, or were involved in any fraud or misrepresentation, this
will affect your likelihood of obtaining insurance.
Please note that your policy may be nullified (voided) and your
claim payment denied in the event that you misrepresent or omit to
disclose any facts and relevant matters known to you which are
likely to influence an insurer in the setting of the premium, the
appraisal of the risk, or the decision to cover the risk. The same
consequences may arise if you do not promptly notify the insurer of
any changes that increase the risk specified in the policy and
result from events within your control that are likely to influence
the insurer in setting the premium, or deciding to continue to
insure the risk.
Examples: Failure to disclose that the vehicle has been altered or
modified.
Non-payment of the policy premium may result in cancellation of
your policy.
Restrictions may also apply to a claim if you fail to comply with
our coverage terms (for example, if you declined to provide us with
requested documents).
Other issues
There are a number of other factors that can prevent us from
issuing a policy:
- Your motorcycle is used for racing, competition or
jumping.
- Motorcycles that are manufactured outside of North America but
don't have an established distribution channel in Canada or the
United States.
- Motorcycles identified as ‘youth’ models
(used by children).
The information and examples provided in this section are intended
as general information only. This does
not constitute legal or insurance
advice, nor does it pertain to determination of fault. In all
cases, you should speak to an insurance professional before acting.
Your insurance policy contains limitations and restrictions which
vary by province and may affect your coverage and/or determine
whether or not benefits will be payable.
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