Personal Insurance
Motorcycle Insurance
Motorcycle insurance is its own thing. Bike type matters more than for cars (a sportbike costs significantly more to insure than a cruiser of equal value). The riding season is short in most provinces, so seasonal lay-up coverage, full coverage in summer, fire-and-theft only in winter, is one of the easiest ways to save.
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Who we cover
From new riders fresh out of MSR to long-time owners with multiple bikes in the garage.
- New riders (first season after licensing)
- Experienced riders with clean records
- Multi-bike garages
- Sportbikes, cruisers, touring, dual-sport, ADV
- Custom and modified bikes
- Vintage and antique motorcycles
What's typically included
Motorcycle policies mirror auto, liability, accident benefits, collision, comprehensive, but with bike-specific extensions for gear, custom parts, and seasonal storage.
- Third-party liability and accident benefits
- Collision and comprehensive
- Custom parts and equipment coverage
- Riding gear (helmet, jacket, boots) coverage
- Lay-up / seasonal coverage option
- Roadside assistance for breakdowns
- Spare key and replacement-key coverage
This is an overview. All coverages, limits, and exclusions can only be confirmed by a licensed MyBrokers broker on a quote tailored to your specific policy.
What moves the premium
Bike type, rider age, and years licensed are the big three. Insurers also care about how the bike is stored when you're not riding it.
- Bike class: sportbike vs. cruiser vs. touring
- Engine displacement (cc)
- Rider age and years licensed (M / M1 / M2)
- Riding record and previous claims
- Annual kilometres ridden
- Storage: garaged, carport, street
Ready for a quote on motorcycle insurance? Talk to a real broker who specializes in it.
Frequently Asked Questions
How much does Motorcycle Insurance Cost?
Motorcycle insurance is priced on bike type, rider age, and years licensed. Insurers also look at how the bike is stored when you're not riding. The biggest cost factors:
- Your Motorcycle Make, Model, and Year
- Estimated Kilometers You Driver Every Year, including Business Use
- The City & Area that you live in
What does Motorcycle Insurance cover?
Motorcycle policies mirror auto, with bike-specific extensions for gear, custom parts, and seasonal storage. Coverage typically includes:
- Third-Party Liability
- Accident Benefits
- Collision & Comprehensive Coverage
- Custom Parts & Equipment Coverage
- Riding Gear Coverage (helmet, jacket, boots)
- Lay-Up / Seasonal Coverage
This is an overview. All coverages, limits, and exclusions can only be confirmed by a licensed MyBrokers broker on a quote tailored to your specific policy.
Still have questions? We'll quote it, explain it, and let you decide.
What kind of Motorcycles Can be Insured?
We insure all the different kinds of motorcycles. Our insurance specialists are going to work with you to get a Motorcycle insurance policy that best protects you, your vehicle, passengers, and belongings from any expected accidents. We've insured Motorcycles including:
- Sport Bikes
- Cruisers
- Touring Bikes
- Dual Sport Bikes
- Scooters
- Standards
- Mopeds
- Off Road Bikes
How can I save money on Motorcycle Insurance?
Motorcycle Insurance covers you against any unexpected costs that arise when accidents occur. Motorcycle Insurance protects you from having to pay large amounts of money, time, and injury in the events of any damage that could occur from an accident and more. We've insured more than hundreds of Bikers across Canada. Here's some ways for you to save money on your Motorcycle Insurance:
- Bundle Your Home + Vehicle Insurance with us to get an extra discount on both insurance policies OR insure two or more Motorcycles/Vehicles to get our automatic 'multi vehicle discount'
- Maintain a positive driving record by remaining conviction free with little to no claims
- Increase your Deductible – The higher your deductible rate the lower your month to month payments on your insurance. If you can afford a $1,000 repair for your Motorcycle, you could instead request an increased deductible of $1,000 so that you have lower monthly payments on your insurance
- New Driver? Take a drivers training course
Other Insurance We Offer
We're partners with over 120 Canadian insurance providers and cover the full range of personal and commercial insurance. If you need it, we likely write it.
Business Insurance
Personal Insurance
Ready for a quote on motorcycle insurance?
Talk to a broker who actually knows this space. We'll quote it, explain it, and let you decide.
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