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Motorcycle Insurance

About this insurance

You want insurance protection that covers a wide variety of motorcycle makes and models. Plus, you’re looking for a program that rewards you for a good driving record and is payment-free in the winter months.

Here’s how it works

We generally define a motorcycle as a motorized, two or three-wheeled vehicle with handlebars and a seat or saddle. The vehicle must be registered as a motorcycle by a provincial authority. Definition may vary depending on the province.

Much like car insurance, motorcycle insurance is mandatory, subject to certain exceptions. The mandatory insurance coverage includes liability coverage in the event that you are legally liable for bodily injury or property damage caused by the use or operation of your motorcycle, and it may also include Accident Benefits (and also Direct Compensation – Property Damage and Uninsured Automobile) coverage for medical expenses and loss of income, as well as other coverage depending on your province. This does not apply to the province of Quebec

You can also purchase additional voluntary coverage for your motorcycle. The options include comprehensive , which is protection namely against fire, theft and vandalism, and collision , which is coverage for damage to your vehicle caused by a collision with another object or by upset.

Who’s eligible?

You must:

  • be a licensed driver of a motorcycle.
  • have motorcycle experience or have recently taken a rider training course.
  • reside in Alberta, Yukon, Northwest Territories and Nunavut, Ontario, Quebec or an Atlantic province.
For more details on eligibility, visit our restrictions section.

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 advisor 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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