You want insurance protection that covers a wide variety of motorcycle makes and models. Plus, you’re looking for a program that rewards you for a good driving record and is payment-free in the winter months.
Here’s how it works.
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.
Much like car insurance, motorcycle insurance is mandatory, subject to certain exceptions. The mandatory insurance coverage includes liability coverage in the event that you are legally liable for bodily injury or property damage caused by the use or operation of your motorcycle, and it may also include Accident Benefits (and also Direct Compensation – Property Damage and Uninsured Automobile) coverage for medical expenses and loss of income, as well as other coverage depending on your province. This does not apply to the province of Quebec.
You can also purchase additional voluntary coverage for your motorcycle. The options include comprehensive, which is protection namely against fire, theft and vandalism, and collision, which is coverage for damage to your vehicle caused by a collision with another object or by upset.
- be a licensed driver of a motorcycle.
- have motorcycle experience or have recently taken a rider training course.
- reside in Alberta, Yukon, Northwest Territories and Nunavut, Ontario, Quebec or an Atlantic province.
For more details on eligibility visit our restrictions section.