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Types of coverage we provide
Provides coverage to repair/replace your car if it's damaged in an at-fault accident, hit and run, or with an uninsured driver.
Typically covers fire, hail, theft, collision with an animal, vandalism, and falling objects, among others. (subject to a deductible).
Allows one 'free' at-fault accident, meaning your rates will not increase on your first accident if you remain with the same provider.
Protects you if you cause injury or property damage to others in an accident. Helps cover medical costs, legal fees, and/or repairs.
Common motorcycle insurance policy add-ons
Accessories coverage
This add-on coverage the cost of repairing or replacing custom parts, 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 is exactly what is sounds like - coverage for your personal riding items, such as your helmet and saddlebags.
Emergency roadside assistance
In the event of roadside assistance, this 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.
Our Reviews
To whom it my concern. I would like to take a minute and say thankyou for the always very friendly and exceptional service i recieve from Patti Gustafson. It's always a pleasure and i'm always well informed. Koodo's to a great lady! Thankyou, Dale Goodsell.
Took less then 30 minutes when I bought a new truck and needed insurance right away to pick it up. They always respond and answer any questions in a timely matter. Would rate higher if I could, I have had 0 issues.
Thanu - We can not thank you enough for your knowledge and help. We were stuck in a very bad situation and you helped us greatly. You have saved us thousands of dollars and we are truly so appreciative. Highly recommend anyone to use Thanu for any insurance needs. He really is the best!!
I had a great experience with Devin at Surex. He was genuinely kind, responsive and actually took the time to help me, which wasn’t the case with others I spoke to. He found me the best insurance rate and made the entire process quick and straightforward. I needed to get my insurance sorted urgently and he made that happen without any stress. He’s honestly the reason I was able to get everything done so fast. I would definitely recommend Surex because of him. Easily one of the best customer service experiences I’ve had.
Devin, was amazing and fast to work with he got me hooked up with the right insurance company that was best for me, and was able to get it it all hooked up the next day!! Thank you.
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Alberta has an abundance of amazing scenic routes and roads for motorcycle riders to enjoy! Take an epic road trip to the world-famous Icefields Parkway which offers 280km of breathtaking scenery that takes riders through valley bottoms, turquoise lakes, and alpine peaks. Riders will experience the Weeping Wall, Lake Louise, and Athabasca Glacier in this full-day trip of a lifetime! What are you waiting for? Grab your helmet and start the engine!
Looking for motorcycle insurance? Our Advisors will shop up to 10 of Canada’s best carriers to make sure you get the best value. Owning a motorcycle is also investing in a lifestyle, you gain a world full of other enthusiasts - meeting new people with a common interest- who enjoy talking about bikes and cruising around town.
Motorcycle Insurance in Alberta - What You Need to Know
The average annual price of motorcycle insurance in Alberta is approximately $448 a year (this equates to roughly $40 a month).
Unfortunately, we can’t provide you with an exact cost because several variables influence the price of motorcycle coverage in Alberta. We can say that if you’re paying closer to $3,500, your motorcycle insurance company likely considers you a “high risk driver”.
Yes, motorcycle insurance is required in Alberta. Riders must have, at the very least, third-party liability insurance. This kind of insurance covers the cost of any bodily injury or property damage that you may cause to others while operating your motorcycle.
It is not only a legal requirement, but it also provides vital protection for riders. Motorcycle insurance financially safeguards you in a collision, theft, or damage to your bike.
Most motorcycle insurance policies in Alberta can include the following coverage components:
Loss or damage coverage — A type of coverage that financially covers your motorcycle if it gets damaged in an accident or by other risks (fire, theft, vandalism, etc.).
Third-party liability coverage — As the name implies, third-party liability insurance covers damage that you cause to a third party (another driver, a pedestrian, etc.) and/or their property. As mentioned earlier, motorcycle owners need to have liability coverage in Alberta. Many motorcycle owners generally purchase one to two million dollars worth of liability coverage.
Accident benefits — A type of coverage that financially protects drivers and passengers who get hurt in an accident.
Hit-and-run coverage — For those that don’t know, a hit-and-run is the act of getting into an accident and fleeing the scene before the authorities arrive. If you have hit-and-run coverage, you’ll be financially protected if you’re involved in such an event.
Yes, even though the season may only last a few months, it’s still a good idea to keep your coverage active for the entire year. Insurers are aware of the short time frame for riding your motorcycle and the limited usage is already factored into your premium.
Yes, protective gear must be worn when riding your motorcycle in Alberta. Helmets must meet safety standards and have either CSA, DOT, Snell or BSI certification. Riders are also encouraged to wear additional safety gear including eye protection, sturdy clothing, gloves, and boots.
Protective gear must be worn when riding your motorcycle. Helmets must meet safety standards and have either CSA, DOT, Snell or BSI certification. Riders are also encouraged to wear additional safety gear including eye protection, sturdy clothing, gloves, and boots.
Helpful motorcycle insurance guides
Explore helpful guides that explain how motorcycle insurance works in Canada, including coverage basics, cost factors, and common policy terms.
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Riding a motorcycle is thrilling, but in Ontario, insurance is required. Learn the basics—especially if you need high-risk motorcycle coverage due to your driving history.
Electric bikes are a fun, eco-friendly way to get around Alberta, but riders must follow specific provincial laws—just like with any motor vehicle.
