find a broker

Find a Broker

FR

LoginMy Account
Western Financial Group Western Financial Group
  • Personal

    Home Insurance

    Home Insurance

    Condo Insurance

    Renter's Insurance

    Seasonal Property Insurance

    Mobile Home Insurance

    Vehicle Insurance

     

    Car Insurance

    Motorcycle Insurance

    RV Insurance

    Boat Insurance

    ATV Insurance

    Snowmobile Insurance

    Vehicle Replacement Insurance

    Health & Life Insurance

    Life Insurance

    Disability Insurance

    Critical Illness Insurance

    Mortgage Life Insurance

    Financial Insurance

     

    TFSA

    GICs

    RESPs

    RRSPs

    Travel Insurance

     
  • Business

    Commercial Insurance

     

    Business Insurance

    Business Life Insurance

    General Liability Insurance

    Commercial Property Insurance

    D&O Liability Insurance

    Rental Property Insurance

    Legal Protection Insurance

    Errors & Omissions Insurance

    Cyber Liability Insurance

    TotalProtect Insurance

    Fleet Insurance

    Farm Insurance

    Product Liability Insurance

    Employee Benefits

    Employee Benefits

    TotalGuard Insurance

    Group Insurance 

     

    All Insurance Programs

    AMM Municipal Insurance Program

    CRA Insurance Program

    CVMA Insurance Program

    Crop Inputs Insurance Program

    Haven Municipal Insurance Program

    Hospitality Insurance Program

    Juno Restaurant Insurance

    BCRFA Restaurant Insurance

    Groupex Insurance Partnership

    CAM Movers Insurance

    Musical Instrument Insurance

    Independent Retail Insurance

    CAMA Insurance Program

    Biz Benefits Partnership

     

    Event Liability Insurance

     

    Charity Events or Fundraising Insurance

    Conferences and Conventions Insurance

    Corporate Events and Seminars Insurance

    Farmers’ Market Insurance

    Festival Insurance

    Hole-in-one Contest or Golf Tournaments Insurance

    Product Launches and Promotional Events Insurance

    Sporting Event Insurance

    Wedding Insurance

    Industries

    Cannabis

    Construction

    Contractors

    Daycares

    Greenhouses

    Hotels and Motels

    Manufacturing

    Municipalities

    Professional Services

    Property Management

    Retail

    Restaurants, Cafes, Delis, Fast Food

    Skilled Trades

    Technology

    Welders

  • Services

    MyWestern

    Payment Setup

    Registry Services

    Community Emergency Resources

    Personal Insurance Claims

    Commercial Insurance Claims

    Risk Management

  • About Us

    About Western

    Who We Are

    Executive Team

    Divisions

    Partners

    Western Coast Insurance

    Wyatt Dowling Insurance

    Sustainability

    Diversity, Equity and Inclusion

    Western News

    Blogs

    Careers

    Contact

    Communities Foundation

    Our Giving Programs

    About the Foundation

    Annual Giving Reports

    Annual National Walk

    Community Infrastructure Grants

    Foundation FAQs

    Sponsorship

    Western Communities Foundation

    Your donation will help improve local communities.

    Donate

1-866-860-1958

Get a Quote

Get a Quote

Main Menu

  • Personal
    • Home Insurance

      • Home Insurance

      • Condo Insurance

        Renter's Insurance

        Seasonal Property Insurance

        Mobile Home Insurance

    • Vehicle Insurance

       
      • Car Insurance

      • Motorcycle Insurance

        RV Insurance

        Boat Insurance

        ATV Insurance

        Snowmobile Insurance

        Vehicle Replacement Insurance

    • Health & Life Insurance

      • Life Insurance

        Disability Insurance

        Critical Illness Insurance

        Mortgage Life Insurance

    • Financial Insurance

       
      • TFSA

        GICs

        RESPs

        RRSPs

    • Travel Insurance

       
  • Business
    • Commercial Insurance

       
      • Business Insurance

      • Business Life Insurance

        General Liability Insurance

        Commercial Property Insurance

        D&O Liability Insurance

        Rental Property Insurance

        Legal Protection Insurance

        Errors & Omissions Insurance

        Cyber Liability Insurance

        TotalProtect Insurance

        Fleet Insurance

        Farm Insurance

        Product Liability Insurance

    • Employee Benefits

      • Employee Benefits

        TotalGuard Insurance

    • Group Insurance 

       
      • All Insurance Programs

        AMM Municipal Insurance Program

        CRA Insurance Program

        CVMA Insurance Program

        Crop Inputs Insurance Program

        Haven Municipal Insurance Program

        Hospitality Insurance Program

        Juno Restaurant Insurance

        BCRFA Restaurant Insurance

        Groupex Insurance Partnership

        CAM Movers Insurance

        Musical Instrument Insurance

        Independent Retail Insurance

        CAMA Insurance Program

        Biz Benefits Partnership

         
    • Event Liability Insurance

       
      • Charity Events or Fundraising Insurance

        Conferences and Conventions Insurance

        Corporate Events and Seminars Insurance

        Farmers’ Market Insurance

        Festival Insurance

        Hole-in-one Contest or Golf Tournaments Insurance

        Product Launches and Promotional Events Insurance

        Sporting Event Insurance

        Wedding Insurance

    • Industries

      • Cannabis

        Construction

        Contractors

        Daycares

        Greenhouses

        Hotels and Motels

        Manufacturing

        Municipalities

        Professional Services

        Property Management

        Retail

        Restaurants, Cafes, Delis, Fast Food

        Skilled Trades

        Technology

        Welders

  • Services
    • MyWestern

      Payment Setup

      Registry Services

      Community Emergency Resources

      Personal Insurance Claims

      Commercial Insurance Claims

      Risk Management

  • About Us
    • About Western

      • Who We Are

        Executive Team

        Divisions

        Partners

        Western Coast Insurance

        Wyatt Dowling Insurance

        Sustainability

        Diversity, Equity and Inclusion

        Western News

        Blogs

        Careers

        Contact

    • Communities Foundation

      • Our Giving Programs

        About the Foundation

        Annual Giving Reports

        Annual National Walk

        Community Infrastructure Grants

        Foundation FAQs

        Sponsorship

LoginMy Account

FR

1-866-860-1958

Get a Quote

Find a Broker

A Complete Guide to Buying Motorcycle Insurance in Ontario

A Complete Guide to Buying Motorcycle Insurance in Ontario

Riding a motorcycle is a different type of driving experience, which is why you should ensure maximum protection by having an appropriate insurance policy. However, obtaining a motorcycle insurance quote and choosing the right coverage can be confusing for some people as it requires you to understand many crucial details.

As a leading brokerage in Ontario, we have qualified motorcycle insurance brokers to guide you. We care about your safety and can help you understand all the aspects of getting your bike insured. We have put together a guide that includes the essentials of insuring a motorcycle. Familiarize yourself with the crucial details, and once you are comfortable moving forward, we can provide you with affordable quotes and ensure you have the right policy.

TIPS TO GET THE RIGHT MOTORCYCLE INSURANCE COVERAGE

Insurance is Mandatory in Ontario

One of the most frequently asked questions we get is whether people need motorcycle insurance in Ontario. It is compulsory to have valid insurance for motor vehicles in Canada, including mopeds and motorcycles. In addition to this, you must also wear a helmet.

There are options for coverage, such as comprehensive protection to cover vandalism, theft, and fire, collision insurance for protection in case of an accident with another vehicle, and more. Having adequate information can help you get the ideal coverage.

Mandatory Bike Insurance

  • Third-party liability – in case the person riding your bike injures someone on the road or damages property.
  • Uninsured auto insurance – to protect yourself if the person who injures you or damages your motorcycle is not traceable.
  • Statutory accident benefits – includes disability benefits and clauses to protect you if you do not have a wage replacement or medical benefit plan.
  • Direct compensation for property damage – allows you to claim for loss and damage to your vehicle caused by another person when you are not at fault.

Optional Motor Vehicle Coverage

As the name indicates, optional insurance is not mandated by the law. However, you can purchase the coverage for an additional cost to ensure proper protection. This includes the following:

  • Higher third-party liability
  • Increased accident benefits coverage
  • Comprehensive bike insurance
  • Special perils coverage
  • Collision policy
  • All perils coverage

Consider the Factors Affecting the Premium

The premium of your motorcycle insurance depends on many aspects, including but not limited to the following:

  • The years of experience you have riding a bike
  • The year, make, model, and age of your motorcycle
  • Regular users of the bike
  • Value of any upgrades or modifications
  • Mileage of the bike
  • The area where you live
  • History of your insurance claims
  • The type of insurance coverage for your bike
  • Discounts applicable for you

Issued for a One-Year Term

Generally, insurance policies in Canada are issued for one year. The premium is valid during the months the bike is used, and the return premium on cancellation in non-motorcycling months is minimal.

Take an Approved Driving and Safety Course

If you are new to riding a motorcycle, it is beneficial to take a driver training program to reduce the insurance premium. Most of the courses are fairly priced and can help you save money over time.

Bundle Motorcycle Insurance

Instead of getting just motorcycle insurance, you could combine it with a home or auto insurance policy. This way, you will be eligible for special discounts that can help you reduce the premium amount while ensuring that you have adequate coverage.

License and Type of Motorcycle

There are three categories of motorcycle insurance: M, M1, and M2. Be sure to buy the insurance according to the group you belong to. Also, your license class can impact your insurance cost depending on the motorcycle you drive. If you have an M1 license, it may be more affordable to select a standard or cruiser motorcycle instead of a sports bike. An experienced motor vehicle and auto insurance broker will guide you through the process and help you get the right coverage you need at the best price.

Motorcycle Insurance Rates in Ontario

The insurance rates for bikes tend to vary across the providers. It is essential to know that the premium depends on many factors, including your motorcycle license class, the make, model, and type of your bike, your driving history, your neighbourhood, your claims history, and more. Working with a reliable insurance broker will help you get the best rates.

Motorcycle Insurance Discounts

When insuring your bike, you should also consider the possible discounts. Although not all insurers have specialized offers, it is best to ask your broker if they are available. Different companies provide multiple discounts, including rider training, home-bundle discount, seniors discount, having a clean driving history, and more.

WHAT COVERAGE SHOULD YOU BUY?

It is beneficial to have the mandatory coverage at the minimum liability limit specified in your province. Remember that taking a higher deductible can help reduce the direct compensation portion of the premium amount. You can also choose to buy the optional policies beyond the mandated coverage, depending on your needs and driving history.

Here are a few instances you should consider when paying for additional bike insurance:

  • If you are a retired, unemployed pensioner, you do not need an optional accident benefit for a higher wage replacement. This is because you won’t be eligible for wage replacement.
  • In case you already have long-term disability coverage and a wage replacement plan, you will be duplicating coverage by adding it to your bike’s insurance policy. This is why it is likely ok to exclude it from your insurance policy.
  • If you do not have a spouse or dependents, you may skip the additional increased death benefits.
  • If you are confident about the low risk of theft or damage to your bike in your area, you may choose not to opt for physical damage coverage.

WHO SHOULD YOU BUY MOTORCYCLE INSURANCE FROM?

Although price is a critical factor, you should also check out the reputation of the brokerage you are dealing with. It is best to look for one who has experience in the industry and has qualified bike and auto insurance brokers. Here are a few essentials you need to keep in mind:

  • Ensure the motorcycle insurance quotes you get are reliable, within your budget, and address all your needs.
  • Compare the quotations for the same coverage to get the best possible option.
  • Be sure that the broker is giving you the benefit of lower rates, if applicable.
  • Verify the details they have about you and your vehicle, such as the year, make and model of your bike, your license group, age, address, and more.

GET A RELIABLE MOTORCYCLE INSURANCE QUOTE WITH OUR BROKERS

GET A QUOTE

Recent Blog Posts

Basic Boating Safety
What's Basic Boating Safety?

May 14, 2025


Common Home Insurance Claims Canada
What are Canada's Top Home Insurance Claims?

May 13, 2025


Mark Missal Farm Insurance
Western's Farm Insurance Has Roots in Our Communities

May 8, 2025


Western Financial Group

2025 Western Financial Group. All rights reserved.

Privacy / Legal | Accessibility Guidelines | Fair Treatment of Customers Policy | Terms of Use | Compensation Disclosure | Complaints Process | Media Relations | Mergers & Acquisition | Careers | Sitemap