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Insurance

Motorcycle Insurance TipsWith motorcycle season fast approaching and the warm weather on the horizon, many riders are itching to get back on the road. Liability insurance for your motorcycle, like car insurance, is mandatory for anyone who wants to hit the road on two wheels. While every rider has to have a policy in force, not every rider is getting the most out of that policy... Read more »
Shopping for insurance is generally not the most fun you can have, but it doesn't have to be difficult either.  When it comes to finding the right motorcycle insurance policy in Alberta, there are a few ways you can go about it.  Make your search for the right policy to meet your needs a little easier on yourself by focusing on a few main factors and narrowing down the search to the insurance companies and agents who can provide you the best insurance. Read more »
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Insurance

Motorcycle Insurance

Whenever you are driving around, whether in a vehicle or on a motorcycle, you want to make sure that you have some type of insurance coverage Insurance is important because it will help keep you protected in the event you are involved in an accident. Without insurance, you would be left solely responsible for all damages and repairing them. Many areas require that you carry insurance and if you do not, you are not able to operate a motor vehicle.

What is Motorcycle Insurance?

Motorcycle insurance is a specific type of insurance that covers motorcycles. The insurance policy will cover a specific motorcycle(s) and the person(s) who drives it. Anyone who owns or drives a motorcycle should carry this type of insurance as it will help protect them in the event of any accident or in the event that the motorcycle receives any type of damages.

Do I Need Motorcycle Insurance?

The answer is, yes. Motorcycle insurance is mandatory and required by law in Canada. You will need to check with your specific province and territory to find out the specific laws concerning motorcycle insurance as they may vary from area to area.

In addition to being required to carry motorcycle insurance, each area and province has set specific coverage limits that must be carried and adhered to as well. This means that you must carry the minimum amount of insurance that has been deemed necessary by your province to be able to operate your motorcycle.

What Types of Motorcycles Are Covered?

In general, insurance companies will cover a wide variety of motorcycle brands and models. To know for sure if your specific motorcycle is covered, you should contact your local insurance broker.

If you are interested in purchasing a motorcycle, it is advised to call local companies first and find out if they cover the brand and model you are interested in. This will ensure that you are able to get coverage after you purchase your motorcycle.

Can Anyone Be Covered?

Insurance companies look at many different factors when they are considering whether or not to cover you and your vehicle. Since motorcycles carry more of a risk than a traditional vehicle, you may have a harder time finding coverage if you have had previous problems.
Some of the things that may restrict you from obtaining coverage are:

  • License suspensions
  • Tickets
  • Modifications made to the motorcycle
  • Legal issues
  • Past losses of vehicles
  • Past claims on other insurance policies
  • Driving record

All of these can hinder you from being able to obtain insurance. If they do not hinder you, they may affect you in other ways. Your policy and premium may be exceptionally high and you may have to pay a higher monthly fee than the average citizen.

What is Covered on the Policy?

There are different options you can get when you are purchasing motorcycle insurance. Typically, you have your mandatory coverage and then you have optional coverage. Mandatory coverage is the minimum amount of coverage that is required by your province and must be carried in order to drive legally. Optional coverage is additional coverage that can be purchased but it is not required. If you do not purchase optional coverage, you can still operate your motorcycle.

Optional coverage is usually things such as comprehensive and collision insurance. These two specifics coverage options will cover you even more if you are involved in any type of accident or something happens to your vehicle. Comprehensive insurance will take care of damages to your motorcycle that are not caused by accidents. Collision insurance will cover the cost of repairing your motorcycle should it be involved in an accident.

It is important to speak with your local insurance broker to find out all of the requirements needed to insure your motorcycle. It is wise to make sure you can obtain motorcycle insurance before purchasing a motorcycle. Driving without insurance can lead to legal and financial troubles for you so you never want to try and operate your motorcycle without coverage. Choosing coverage will be up to you and will depend on your needs. Make sure to always receive multiple quotes from companies and choose a plan that you are able to afford.


After getting your online motorcycle insurance quote, and get the best rate, you'll receive a Canadian Inter-Province Motor Vehicle Liability Insurance Card - your "pink card". This is proof that you have the required motorcycle insurance coverage. You should carry this with you at all times. Read more »
To drive a motorcycle, you must have a valid motorcycle license. For motorcycles, insurance is not required while the vehicle is driven on private property. Read more »
Many factors play a role in determining the cost of your motorcycle insurance. Your age, your driving record, how often you drive, your rider training, whether or not your have prior motorcycle insurance, where you live, and the type of motorcycle you own can all affect your insurance premium Read more »
Frequently asked questions about Motorcycle Insurance. Read more »