Motorcycle Insurance
Built for The Ride, Backed by Protection
Motorcycle insurance helps protect you and your bike against accidents, damage, theft, and liability on the road.
Western Financial Group is an award-winning brokerage. Our motorcycle insurance experts will make sure you’ve got the right protection for your motorcycle.
Did you know that motorcycle insurance is year-round and not seasonal?
In Canada motorcyclists must have basic liability coverage including:
- Third-party Liability if injury or damage happens to others and their property
- Accidents Benefits for you and your family, if you are injured or killed in a motorcycle accident
- Uninsured Automobile Coverage to cover medical costs and damages if an uninsured rider is at fault
Get on the road with the right motorcycle coverage
We do the insurance shopping for you. We work with Canada’s leading insurance partners to get you customized motorcycle coverage at the right value for you.
Optional motorcycle insurance coverages include:
- Collision: Damage to your motorcycle caused by a traffic collision
- Comprehensive: Covers all other insured damage caused to your motorcycle like natural disasters and theft
- Specified Perils: Protects your vehicle from loss caused only by fire or theft
Bundle your insurance
When you insure more than one motorcycle or bundle your car or home and motorcycle insurance you can reduce your overall insurance premiums.
Ask your Western Financial Group motorcycle insurance expert about insuring your ride. What kind of motorcycle do you have?
- Standard motorbike
- Touring
- Cruiser
- Sportbike
- Chopper
- Dirt
- Dual sport
- Adventure motorcycle
- Electric
- Vintage and customer
- Commuter and mini
- Scooter
Ask us about possible discounts. Do you have:
- More than 1 motorcycle to insure?
- Do you have an anti-theft device?
Why Choose Western
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Serving Canadians Since 1905
Over a century of experience delivering trusted insurance solutions.
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Our local insurance experts understand your specific needs.
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Get covered fast with hassle-free, same-day insurance solutions.
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Motorcycle insurance FAQs for Canadians Riders
Yes, all provinces and territories require at least basic liability insurance to ride legally.
Yes, optional coverage can protect aftermarket parts, helmets, and other accessories.
Yes, many insurers offer discounts for multi-policy bundling, low annual mileage, or completing recognized motorcycle safety courses.
Typical coverage includes:
- Liability: injury or property damage you cause to others
- Collision: damage to your motorcycle from an accident
- Comprehensive : theft, fire, vandalism, or natural events
- Accident Benefits :medical and rehabilitation costs for you and passengers
Absolutely. Fewer claims, clean driving records, and safety training courses can lower premiums.
If you ride a bike that isn’t yours, some insurance policies may offer limited coverage, but it’s important to confirm with the insurer first. If you’re a passenger, the motorcycle owner’s insurance generally provides coverage, though your own accident benefits may also apply depending on your province.
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