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Types of motorcycle insurance coverage we provide
Common motorcycle insurance policy add-ons
Accessories coverage
This add-on covers the cost of repairing or replacing custom parts or accessories that aren’t typically included on a standard bike.
Trailer coverage
As a form of trailer insurance, this add-on extends coverage to any trailer you use to transport your motorcycle.
Personal effects coverage
This provides coverage for your personal riding items, such as your helmet and saddlebags.
Emergency roadside assistance
In the event of roadside assistance, this coverage pays for expenses such as battery jumps, gas, and towing.
Trip interruption coverage
This covers expenses related to lodging, meals and transportation if your motorcycle breaks down during a trip away.
Understanding motorcycle insurance in Canada
Motorcycle insurance is required by law in Canada. Like car insurance, it helps protect you financially if you're involved in an accident, whether you’re at fault or not. A standard motorcycle insurance policy typically includes third-party liability, accident benefits, and uninsured automobile coverage, along with options for comprehensive and collision coverage. Some policies also offer add-ons for accessories, riding gear, and seasonal storage.
Riding a motorcycle typically involves more physical risk than driving a car. Motorcyclists are more exposed and less protected in a crash, which can lead to more serious injuries and higher medical costs. Because of this increased vulnerability, having the right insurance is essential—especially if you use your bike for daily commuting or long-distance travel.
Your coverage should reflect how you ride and what you need to protect. At Surex, our insurance advisors compare quotes from multiple Canadian providers to help you find the right balance of protection, flexibility, and value for your motorcycle policy.
Motorcycle insurance in Canada – FAQs
No. Most Canadian insurance companies will not issue a motorcycle insurance policy unless you have a valid motorcycle licence. Licensing is required to assess risk and confirm that you are legally allowed to operate a motorcycle on public roads.
The cost of motorcycle insurance in Canada depends on several factors, including your age, driving history, location, and the type of bike you ride.
Since rates differ by province and provider, the best way to get an accurate estimate is to speak with a licensed insurance advisor. Surex can help you compare quotes and find a motorcycle policy that fits your needs and budget.
In Canada, motorcycle insurance is required by law. All provinces and territories mandate a minimum level of insurance to legally operate a motorcycle on public roads.
Beyond being a legal requirement, motorcycle insurance offers critical financial protection. It can help cover the cost of injuries, repairs, and damages after an accident, which can be much higher for motorcycle riders due to the increased risk of serious injury. Without insurance, you could be left paying out of pocket for medical bills, property damage, or legal fees if something goes wrong.
Motorcycle insurance in Canada includes a mix of mandatory coverage required by law and optional add-ons that can help expand your protection based on how and where you ride. Coverage varies by province, so it’s always best to speak with an insurance advisor to make sure you have the right protection in place.
Standard coverage (included in most policies):
- Third-party liability: Covers bodily injury or property damage you cause to others in an at-fault accident. This is mandatory in all provinces, although the required minimum amount varies.
- Accident benefits: Helps cover medical expenses, rehabilitation, and lost income if you’re injured in a collision, regardless of fault. This coverage is mandatory in all provinces except Newfoundland.
- Uninsured automobile coverage: Protects you if you’re injured in a collision caused by a driver who is uninsured, underinsured, or involved in a hit-and-run.
- Direct Compensation for Property Damage (DCPD): Allows you to work directly with your own insurer for vehicle damage caused by another at-fault driver. This coverage is mandatory in Alberta and New Brunswick, and optional elsewhere.
Extended coverage (optional add-ons):
- Collision coverage: Pays for repairs or replacement if your motorcycle is damaged in a collision where you are at fault. A deductible usually applies.
- Comprehensive coverage: Covers damage caused by non-collision events such as theft, fire, vandalism, hail, or falling objects. Also subject to a deductible.
- Accessory and equipment coverage: Protects non-standard or custom additions to your motorcycle, such as saddlebags, chrome upgrades, or aftermarket parts.
- Roadside assistance: Provides help if your motorcycle breaks down, including towing, battery boosts, or emergency fuel delivery.
- Accident forgiveness: Prevents your first at-fault accident from affecting your premium.
Yes, you should keep your motorcycle insurance year-round, even if you only ride seasonally. Cancelling in the winter can leave you without protection for risks like theft, fire, or vandalism while your bike is in storage. It can also lead to cancellation fees, coverage gaps, or higher rates when you restart.
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