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Compare and purchase
Canada's best motorcycle insurance.

Compare and
purchase Canada's
best motorcycle insurance.

Get free & accurate quotes from Canada’s top insurance providers.
In just a few minutes, our quoter can unlock discounts that can have
you saving hundreds of dollars a year on average.
Get free & accurate quotes from Canada’s top insurance providers. In just a few minutes, our quoter can unlock discounts that can have you saving hundreds of dollars a year on average.
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Get the best rates from Canada’s top insurance providers
Type of Coverage We Provide
Liability Coverage
Liability Coverage
Provides protection against a lawsuit resulting from damaged property or personal injuries.
Comprehensive Coverage
Comprehensive Coverage
Typically covers fire, hail, theft, collision with an animal, vandalism, and falling objects among others. (subject to a deductible).
Collision Coverage
Collision Coverage
Provides coverage to repair/replace your car if it's damaged in an at-fault accident, hit and run or with an uninsured driver.
Accident Forgiveness
Accident Forgiveness
Allows one 'free' at-fault accident, meaning your rates will not increase on your first accident if you remain with the same provider.
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.

Motorcycle Insurance

In Canada, we love our motorcycles, probably because we have such a short window to get out there and ride. We see it every year, as soon as the snow melts, people are out on their bikes. With such little time to ride you have to take advantage of every sunny day. With the season being short, you don’t have time to waste on searching 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.

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Motorcycle insurance FAQs

Yes, you can own a motorcycle and an insurance policy for it without a license. However, you cannot legally drive a motorcycle in any province without a license.

This really can differ by the driver, by city and province. However, if you are over the age of 25 with a good driving record, this usually qualifies for good prices. Connect with one of our Surex Advisors today for a quick quote on your motorcycle insurance.

Motorcycle insurance is important, in Canada, motorcycle owners must have insurance by law. Bodily injury and property damage insurance protects you against claims filed by other parties in the event of an accident caused by you. If you live in a province with mandatory motorcycle insurance laws, the operation of a motorcycle without the minimum insurance coverage is a violation of the law.

Typically, a motorcycle insurance policy consists of several components:

Loss or Damage Coverage: This covers your bike if it is damaged in an accident and protects you against other risks such as theft, fire and vandalism to name a few.

 Third-Party Liability: This covers if you've caused damage to a third party's property or to their personal wellbeing. There is a required minimum amount required by provincial laws (ie. 200K in Ontario) but is recommended to have 1-2 million.

Accident Benefits: This covers if you and your passenger were to be injured in an accident

Hit and run coverage: This is actually a mandatory coverage that not everyone has. This covers you if an at-fault driver leaves the scene of an accident or is uninsured.

​​​​​A standard motorcycle insurance policy typically includes third-party liability, accident benefits and uninsured automobile coverage.

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