Motorcycle insurance is priced very differently than auto. Rider age, experience, claims history, and whether the bike is sport or supersport can be the difference between a great quote and no quote at all. We'll shop the market and place you with the insurer that fits your profile.
Cruiser, touring, standard, dual sport, sport, and supersport are not rated the same. Sport and supersport bikes can be significantly more expensive and can have stricter eligibility rules.
Younger riders and newer riders are often rated higher, and some insurers apply tighter rules around experience, licensing stage, and prior history.
Annual mileage, whether it's pleasure or commuting, and when you ride can affect premium. Storage in the off-season and theft exposure also matter.
Covers legal liability if you injure someone or damage their property. We generally recommend $2M liability, and higher limits may be available depending on your overall exposure.
Covers medical and rehabilitation benefits beyond provincial coverage and can help replace income if you can't work.
Protects you if you're injured by an uninsured driver or a hit-and-run.
Collision and comprehensive cover damage to your motorcycle from accidents, theft, fire, vandalism, and other insured losses.
Covers legal liability if you injure someone or damage their property. We generally recommend $2M liability, and higher limits may be available depending on your overall exposure.
Covers medical and rehabilitation benefits beyond provincial coverage and can help replace income if you can't work.
Protects you if you're injured by an uninsured driver or a hit-and-run.
Collision and comprehensive cover damage to your motorcycle from accidents, theft, fire, vandalism, and other insured losses.
You could save substantially by bundling you motorcyle with your home & auto.
Start a quote today
Sport and supersport bikes can trigger higher premiums, higher deductibles, and tighter eligibility. We'll shop the carriers that fit your bike and rider profile.
Where you store the bike overnight and what security measures you have can affect pricing, deductibles, and even whether a carrier will quote.
If your motorcycle is newer, we'll review options that protect against depreciation after a major loss early in ownership.
Sport and supersport bikes can trigger higher premiums, higher deductibles, and tighter eligibility. We'll shop the carriers that fit your bike and rider profile.
Where you store the bike overnight and what security measures you have can affect pricing, deductibles, and even whether a carrier will quote.
If your motorcycle is newer, we'll review options that protect against depreciation after a major loss early in ownership.
We'll quote these based on your bike, your budget, and what you're trying to protect.
Those bike classes are rated differently because loss severity and theft exposure tend to be higher, and insurers often apply stricter eligibility rules. The same rider can see very different results depending on the carrier, which is why we shop it.
Ready to Work with an Expert?
Get personalized advice and a quote tailored to your specific needs.
A single impaired driving conviction can push your Ontario auto insurance premiums from $2,000 a year to $8,000 or more. And it does not matter whether you were behind the wheel of a car, at the helm of a boat, or riding a snowmobile. Here is what you need to know about the insurance consequences.
Ontario treats each recreational vehicle differently when it comes to insurance. Some require mandatory coverage by law, others do not. Here is a category-by-category breakdown of what you need before you ride, drive, or launch.
Your vehicle registration and insurance policy must align — or your claim could be denied. Here's what every Ontario driver needs to know about ownership, registration, and keeping your coverage valid.
