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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
I had an excellent experience setting up the insurance for my first car with Ashley at Surex. She was fast, professional, and incredibly helpful every step of the way. Ashley made the process smooth and stress-free, answered all my questions promptly and found me a great price. Highly recommend her for anyone looking for outstanding and reliable insurance service!!!!
I have nothing but exceptional service from Ashley Bushfield at Surex, quickly responds and takes cares of anything I need for my insurance needs… prices are amazing too… thanks for everything you do!! Highly recommended!!
Mostly great help but I feel when your contract wasn’t renewed for car insurance contacting your customers by email should have at least should got a phone call to their customers when the email wasn’t acknowledged by customer for whatever reasons… but something as important as having no insurance should have required a phone call by the company and the broker should have an alternative option for it’s customers
I had a great experience with Ashley at Surex. She was able to get me insured the same day and sent over my policy right away. The process was quick, and smooth. I’m very happy with the quality of her work and the service, I’d definitely recommend Ashley and Surex to anyone in Ontario looking for reliable insurance.
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The residents of Burlington aren’t strangers to driving; the city is home to a number of heavily-used highways, including the Queen Elizabeth Way (QEW) and the Highway 407. Being close to a number of highways makes it easy for the residents of Burlington to travel to nearby towns and cities, like Toronto and Hamilton. But, to legally drive, you need to have car insurance in Burlington.
Are you struggling to find affordable car insurance in Burlington? You can reach out to a Surex insurance advisor. Our advisors make finding the best insurance coverage a quick and nearly effortless task. Within ten minutes, your personal insurance broker can provide you with several affordable car insurance quotes. Contact us today to learn how we can help you save up to 25% on auto insurance coverage when you bundle multiple policies with one of the top rated car insurance companies in Ontario.
Motorcycle Insurance in Ontario - What You Need to Know
Yes, motorcycle insurance is legally required in Ontario. The Ministry of Transportation requires motorcycle owners to have at least reasonable liability coverage on the bike before hitting the road.
If you get caught driving without motorcycle insurance, you can face serious consequences, including a fine ranging from $5,000 to $25,000.
Most motorcycle insurance policies in Ontario 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 Ontario. 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.
The average price of motorcycle insurance in Ontario ranges from $1,500 to $3,500 a year (this equates to $125 to $292 a month).
Unfortunately, we can’t provide you with an exact cost because several variables influence the price of motorcycle coverage in Ontario. We can say that if you’re paying closer to $3,500, your motorcycle insurance company likely considers you a “high risk driver”.
High-risk motorcycle coverage is a type of insurance for motorcycle owners who are seen as more of a risk than the average motorist. If you’re more of a risk, you’re more likely to cause damage to public or private property, which, in turn, results in more claims.
Most motorcycle insurance companies want to work with low-risk drivers, as they are less likely to get into accidents. This means that motorcycle insurance companies can spend less time, effort, and money on low-risk drivers.
Here are a few quick tips for decreasing the price of your motorcycle insurance rates in Ontario:
- Pass a rider-training course
- Bundle your motorcycle policy with your home or auto coverage
- Increase your deductible (be prepared to pay more upfront if you get into an accident)
- Use an online brokerage (like Surex) to find deals on coverage
Surex insurance tips & advice
Before hitting Canada’s trails, ensure your ATV is maintained and properly insured to protect against accidents, theft, or damage during the riding season.
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.
