Ontario Motorcycle Insurance

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There's nothing like the freedom you feel when riding your motorcycle across Ontario. However, if you're on the road, you're at risk. To ensure you have the coverage and financial protection you need, consider the following Ontario motorcycle insurance coverage options.

Ontario Motorcycle Insurance Options

Liability Insurance for Motorcycles

Liability insurance covers bodily injury and property damage that you may cause to other people involved in a motorcycle accident.

  • Bodily Injury Liability - Typically covers the other driver or your passenger's expenses such as medical bills, lost wages, and pain and suffering.
  • Property Damage Liability - Typically covers the expense of repairing damage to others' property (vehicles, homes, fences, etc).
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Collision Insurance for Motorcycles

Collision insurance covers damage, minus your deductible, to your motorcycle if you are involved in an accident. Keep in mind, collision insurance usually covers the book value of the motorcycle before the loss occurred.

Book Value: typically the original cost of the motorcycle less depreciation. The amount deducted for depreciations may not relate to the actual condition of the motorcycle and is typically a mathematical calculation.

Comprehensive Insurance for Motorcycles

Comprehensive coverage pays for damages caused by an event other than a collision, such as fire, theft, or vandalism. However, just like collision, your policy will pay for damages, minus your deductible, and will cover only the book value of the motorcycle.

Uninsured/Underinsured Motorist Coverage

Uninsured/underinsured motorist insurance coverage covers damages to your and your property caused by another driver who is uninsured or underinsured to cover your damages. This coverage typically pays for medical treatment, lost wages, and other damages.

Ontario Changes Classification of Catastrophic

Optional Equipment Coverage

If you decide to customize your motorcycle, you should look into obtaining additional or optional equipment coverage. Most comprehensive and collision insurance coverages will only cover the factory standard parts on your motorcycle.

Seasonal Motorcycle Insurance in Ontario

Unfortunately we don't have a market that offers lay-up coverage on a Motorcycle.

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