About our coverage
A motorcycle is generally defined as a self-propelled vehicle having a seat or saddle for the driver, steered by a handle bar and designated to travel on not more than two wheels in contact with the ground, or any vehicle registered as a motorcycle by the responsible provincial authority. Since the legal definition of a motorcycle may vary from one province to another, please refer to the legislation in your province to determine whether your vehicle qualifies as a motorcycle and to learn more about your responsibilities.
If you own a motorcycle, you are required by law to insure it. However, there are exceptions to the requirement to carry insurance.
You can often add insurance for these vehicles to your automobile policy.
Mandatory coverage must include:
- Third-party liability
- Direct Compensation – Property Damage
- Uninsured and unidentified automobile
- Accident benefits
Most people choose to carry greater coverage than required by law to better protect themselves from financial risk in the event that they are involved in an accident.
The information and examples provided in this section are intended as general information only. This does not constitute legal or insurance advice, nor does it pertain to determination of fault. In all cases, you should speak to an insurance professional before acting. Your insurance policy contains limitations and restrictions which vary by province and may affect your coverage and/or determine whether or not benefits will be payable.