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Before You Ride: Motorcycle Insurance Explained

You need to have motorcycle insurance

Motorcycle insurance rates are based upon factors such as your age, your riding experience and the type of motorbike (or moped, motor scooter or motor-assisted bicycle) you ride. Your insurer can tell you the specific insurance requirements for your province or territory.

A motorcycle insurance policy includes standard coverage items such as:

  • Third-party liability: This coverage protects you if you are at fault in an accident causing bodily injury or property damage to another person. Check with your insurer to confirm whether your passenger is covered on the Liability or the Accident benefit portion of your policy.
  • Accident benefits: Pays for medical treatment, income replacement and other benefits to help you recover if you are injured in a collision, regardless of who caused it.
  • Uninsured automobile coverage: Protects you in the event of death or injury caused by an uninsured motorist or by a hit-and-run.
  • Direct compensation property damage (DCPD): This coverage protects you against damage to your vehicle in the event of an accident that is not your fault or is only partially your fault.

8 ways to save money on your motorbike insurance

  1. Shop around
    Shop and compare to find the best coverage at the best rates. Check that you are comparing prices for the same deductible amounts and identical coverage.
  2. Ask for discounts
    Ask your current car and/or home insurer whether you can reduce rates by bundling with your car and home insurance. Other discounts may be available.
  3. Increase your deductible
    If you can afford it, a higher deductible can reduce your premiums.
  4. Drop Collision coverage
    Collision coverage may not be worth it for an older motorcycle with a low replacement cost. This means you won’t be covered for damage to the bike for at-fault, single vehicle or hit-and-run accidents.
  5. Don’t cancel your policy in the winter
    You won’t save on premiums, and your motorcycle won’t be covered if damage occurs while it’s in storage. Plus, you’ll be insured if you want to go for a ride!
  6. Make and model
    Newer, faster or higher value motorcycles are more likely to be stolen and repairs are more expensive – both of which result in higher premiums.
  7. Keep a clean record
    Younger riders or those with a poor driving record can typically expect to pay higher premiums.
  8. Secure your bike
    Store your bike in a locked facility and install an anti-theft device on it, and your insurance premiums may go down.

5 tips for safe, claims-free riding

  1. Wear an approved helmet
    Helmets help prevent collision deaths for both motorcycle riders and their passengers. Check for the helmet’s expiry date, and throw it away after it’s been in an accident.
  2.  Check your bike before you ride
    Things like tires, brakes and oil and gas levels. And make sure your motorcycle insurance is up to date! 
  3.  Wear highly visible protective gear
    Wear a jacket, pants, gloves and riding boots. Fluorescent material and reflective striping is always helpful.
  4.  Be alert, especially at intersections
    In Canada, more motorcycle collisions occur at intersections than anywhere else on the road.
  5. Always respect speed limits and road conditions
    According to Transport Canada research, 38% of fatally injured motorcyclists had been speeding just before they crashed.

For more on this topic, visit:

CAA Quebec: Motorcycle Insurance

Insurance Bureau of Canada: Motorcycle Insurance

Transport Canada: Road Safety in Canada

Before You Ride: Motorcycle Insurance Explained

Get comprehensive group motorcycle insurance coverage to protect your motorbike.

It’s summertime, and the open road beckons. Whether you ride a motorcycle, moped or motorized bike, there is nothing like letting your bike take you where you want to go. Before you head out, check out this guide to motorcycle insurance.

The Personal refers to The Personal General Insurance Inc. in Quebec and The Personal Insurance Company in all other provinces and territories.

The information and advice in this article are provided for informational purposes only. The Personal shall not be liable for any damages arising from any reliance upon such information or advice. The Personal recommends using caution and consulting an expert for comprehensive, expert advice.