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Motorcycle, ATV, Snowmobile, RV, and Motorhome Insurance

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Are you looking for motorcycle insurance coverage in Canada?

From coast to coast, Canada offers a beautiful and diverse variety of landscapes to explore. Whether it’s a short commute to work in Toronto or driving through the stunning Canadian Rockies out west, a motorcycle is a great way to get around and experience the outdoor world. Before you head out on the road, it’s important to know and understand the different types of insurance available to you and then customize them for your unique needs and protection.

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What type of motorcycle insurance do you need?

Mandatory motorcycle insurance coverage differs from one province to another in Canada, similar to car insurance. That means you’ll need to do some research or speak to an advisor to understand what is legally required. It’s important to get the mandatory protection that covers your make and model of motorcycle. As a guideline, here is what would typically be covered:

  1. Third-Party Liability: Provides extra coverage in cases of injury and damage to others and their property resulting from a vehicle accident.

  2. Direct Compensation: Damages to your motorcycle are covered to the extent at which you’re not at fault in a collision.

  3. Uninsured Automobile: Medical costs and damage are covered if an uninsured rider is at fault.

  4. Accident Benefits: Provides coverage for you and your family if you are injured or killed in an automobile accident.

Choose one of these options for enhanced protection for your motorcycle.

  1. Collision or Upset Coverage: Damage to your motorcycle caused by a traffic collision with another vehicle or object.

  2. Comprehensive Coverage: All other insured damage caused to your motorcycle (except collision or upset).

  3. All Perils Coverage: The broadest level of coverage - combines Collision or Upset and Comprehensive coverage along with increased theft protection.

  4. Specified Perils Coverage: Protects your motorcycle from certain risk such as losses caused by fire, floods, hail or theft.

Can you upgrade your motorcycle insurance?

There are special coverage add-ons for motorcycle insurance that you can customize to suit your needs. These add-ons will increase your premium but will also offer you the best possible coverage in case you make a claim. The best way to find the right insurance that fits your needs is to speak with an advisor or get an online quote. Here are some options offered:

  • Accident Forgiveness

    With Accident Forgiveness, your vehicle insurance rates won't go up as a result of an at fault or partially at fault accident.*

  • Removing Depreciation Deduction

    In the event of a total loss, you'll typically get the purchase price of your vehicle as your settlement value1.

  • Ways you can save

    Get more value for your money by taking advantage of these discounts!

More ways to save on Motorcycle insurance

  • Insure home & motorcycle/RV with us

  • Insure multiple motorcycles in one household

  • Have an approved anti-theft system installed

  • Insure another Vehicle with us

Start saving on your motorcycle insurance today

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ATV Insurance Coverage

Get the mandatory protection you need for your all-terrain vehicle.

  1. Third-Party Liability: Provides extra coverage in cases of injury and damage to others and their property resulting from a vehicle accident.

  2. Direct Compensation: Damages to your vehicle are covered to the extent which you’re not at fault.

  3. Uninsured and Unidentified Automobile: Medical costs and damage are covered if an uninsured driver is at fault up to your policy limits.

  4. Accident Benefits: Provides coverage for you and your family if you are injured or killed in an automobile accident.

Choose one of these options for enhanced protection for your ATV.

  1. Specified Perils Coverage: Protects your vehicle from certain risk such as losses caused by fire, floods, hail or theft.

  2. Comprehensive Coverage: All other insured damage caused to your vehicle (except collision or upset).

  3. Collision or Upset Coverage: Damage to your vehicle caused by a traffic collision with another vehicle or object.

  4. All Perils Coverage: The broadest level of coverage - combines Collision or Upset and Comprehensive coverage along with increased theft protection.

Learn more about ATV coverage

Snowmobile Insurance Coverage

Get the mandatory protection you need for your snowmobile.

  1. Third-Party Liability: Provides extra coverage in cases of injury and damage to others and their property resulting from a vehicle accident.

  2. Direct Compensation: Damages to your vehicle are covered to the extent which you’re not at fault.

  3. Uninsured and Unidentified Automobile: Medical costs and damage are covered if an uninsured driver is at fault up to your policy limits.

  4. Accident Benefits: Provides coverage for you and your family if you are injured or killed in an automobile accident.

Choose one of these options for enhanced protection for your snowmobile.

  1. Specified Perils Coverage: Protects your snowmobile from certain risk such as losses caused by fire, floods, hail or theft.

  2. Comprehensive Coverage: All other insured damage caused to your vehicle (except collision or upset).

  3. Collision or Upset Coverage: Damage to your snowmobile caused by a traffic collision with another vehicle or object.

  4. All Perils Coverage: The broadest level of coverage - combines Collision or Upset and Comprehensive coverage along with increased theft protection.

Learn more about snowmobile coverage

Motor Home Insurance Coverage

Call us for a quote at 1-866-361-2311

Get the mandatory protection you need for your motor home and recreational vehicle.

  1. Third-Party Liability: Provides extra coverage in cases of injury and damage to others and their property resulting from a vehicle accident.

  2. Direct Compensation: Damages to your vehicle are covered to the extent which you’re not at fault.

  3. Uninsured and Unidentified Automobile: Medical costs and damage are covered if an uninsured driver is at fault up to your policy limits.

  4. Accident Benefits: Provides coverage for you and your family if you are injured or killed in an automobile accident.

Choose one of these options for enhanced protection for your RV and motor home.

  1. Specified Perils Coverage: Protects your vehicle from certain risk such as losses caused by fire, floods, hail or theft.

  2. Comprehensive Coverage: All other insured damage caused to your vehicle (except collision or upset).

  3. Collision or Upset Coverage: Damage to your vehicle caused by a traffic collision with another vehicle or object.

  4. All Perils Coverage: The broadest level of coverage - combines Collision or Upset and Comprehensive coverage along with increased theft protection.

Special coverage add-ons and discounts

  • Accident Forgiveness

    With Accident Forgiveness, your vehicle insurance rates won't go up as a result of an at fault or partially at fault accident.*

  • Removing Depreciation Deduction

    In the event of a total loss, you'll typically get the purchase price of your vehicle as your settlement value1.

  • Ways you can save

    Get more value for your money by taking advantage of these discounts!

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Read More Motorcycle and RV Insurance Tips & Advice

*Please note your premiums may go up due to other factors
*Please note waiver of depreciation may also be referred to as removal of depreciation deduction

1This coverage is available June 10, 2021. In the event of a total loss, we will pay the lowest of the following amounts:
  • The actual purchase price of the vehicle and its equipment;
  • The manufacturer's suggested listed price of the vehicle and its equipment on the original date of purchase; or
  • The cost of replacing the vehicle that is a total loss with a new vehicle with similar specifications or equipment and accessories (criterion applicable in Ontario and Quebec only)

Mailing address:
TD Insurance (Corporate Secretariat)
50, Place Crémazie
12th Floor
Montreal (Quebec) H2P 1B6

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