Skip to content

Motorcycle Insurance



Motorcycle Insurance – Alberta

Mandatory Coverage

Third-Party Liability
Accident Benefits

Third-Party Liability

What it means: If you or any other insured person is in an accident and your vehicle injures or kills someone, or damages someone else’s property, you may be legally responsible.
  • Your insurer will defend you in case of a civil law suit and will make any payment required by law on your behalf, up to the amount specified in your policy.
  • Minimum coverage for Third-Party Liability is $200,000, but most drivers choose $1 million.
  • You lose control of your vehicle, crash into a sign, and damage it.

Accident Benefits

What it means: If you or any other person entitled to benefits under this coverage are in an accident, regardless of who is at fault, this may cover a portion of such expenses as:
  • income replacement
  • medical expenses
  • rehabilitation expenses such as physiotherapy
  • death benefits and funeral expenses
Application forms will be provided to assist you with your accident benefits claim which will be processed within the policy time limits.

  • You break a leg in an accident and need rehabilitation. The rehabilitation and other medical costs may be covered as a supplement to any basic health insurance you already have, subject to your insurance policy limits.
  • A vehicle loses control, hitting your vehicle and injuring you. If you carry insurance, your loss of income may be covered, subject to your insurance policy limits.

Uninsured Motorist Cover

What it means: This coverage is included with Accident Benefits. If you are injured or killed by an uninsured or unidentified vehicle you are covered for losses you would have been legally able to recover from the owner of the responsible vehicle, had he or she been insured and/or identified.

  • You are seriously injured after an unknown rider rear-ends you and flees the scene.

Note: Damages to the vehicle caused by a hit and run is not covered under this section unless the driver or owner is identified.

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.
Get a quote

It only takes a few minutes to obtain a free quote

Start My Quote


Get answers to your questions about motorcycle insurance.

More Info
File a Claim File a Claim
Other TD Sites Need Help?

Pay-As-You-Ride® payment option

Pay bills on time

Spread your premium payments over the riding season and keep on rolling!
More info


Couple using a computer to buy insurance online

View your home and vehicle insurance policies online. Anytime. Anywhere. At your convenience.
Take a tour