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you need to have motorcycle insurance

motorcycle insurance rates are based upon factors such as your age, your riding experience and the type of motorbike (or moped, motor scooter or motor-assisted bicycle) you ride. your insurer can tell you the specific insurance requirements for your province or territory.

You're reading: Motorcycle Insurance Explained | The Personal

a motorcycle insurance policy includes these 3 standard coverages:

  • liability: this coverage protects you if you’re involved in an accident and you damage property or if you injure someone.
  • collision or upset: covers your motorcycle if it’s damaged in a collision.
  • all perils other than collision or upset: covers your motorcycle in case of theft, fire or vandalism.

you can also add optional coverage like value plus optiontm, which protects your new or used motorcycle against depreciation for up to 5 years.

Read more: Motorcycle Insurance Without a License

8 ways to save money on your motorbike insurance

  1. shop around
    shop and compare to find the best coverage at the best rates. check
    who you are comparing prices for the same deductible amounts and identical coverage.
  2. ask for discounts

    ask your current car and/or home insurer whether you can reduce rates by bundling with your car and home insurance. other discounts may be available.
  3. increase your deductible

    if you can afford it, a higher deductible can reduce your premiums.
  4. drop collision coverage

    collision coverage may not be worth it for an older motorcycle with a low replacement cost. this means you won’t be covered for damage to the bike for at-fault, single vehicle or hit-and-run accidents.
  5. don’t cancel your policy in the winter

    you won’t save on premiums, and your motorcycle won’t be covered if damage occurs while it’s in storage.
  6. make and model

    newer, faster or higher value motorcycles are more likely to be stolen and repairs are more expensive – both of which result in higher premiums.
  7. keep a clean record

    younger riders or those with a poor driving record can typically expect to pay higher premiums.
  8. secure your bike

    store your bike in a locked facility and install an anti-theft device on it, and your insurance premiums may go down.

5 tips for safe, claims-free riding

  1. wear an approved helmet

    helmets help prevent collision deaths for both motorcycle riders and their passengers. check for the helmet’s expiry date, and throw it away after it’s been in an accident.
  2. check your bike before you ride

    things like tires, brakes and oil and gas levels. and make sure your motorcycle insurance is up to date! 
  3. wear highly visible protective gear

    wear a jacket, pants, gloves and riding boots. fluorescent material and reflective striping is always helpful.
  4. be alert, especially at intersections

    in canada, more motorcycle collisions occur at intersections than anywhere else on the road.
  5. always respect speed limits and road conditions

    according to transport canada research, 38% of fatally injured motorcyclists had been speeding just before they crashed.

for more on this topic, visit:

caa quebec: motorcycle insurance

insurance bureau of canada: motorcycle insurance

transport canada: road safety in canada

it’s summertime, and the open road beckons. whether you ride a motorcycle, moped or motorized bike, there is nothing like letting your bike take you where you want to go. before you head out, check out this guide to motorcycle insurance.

Read more: What are Virginia’s motorcycle insurance requirements?

the personal refers to the personal general insurance inc. in quebec and the personal insurance company in all other provinces and territories.

the information and advice in this article are provided for informational purposes only. the personal shall not be liable for any damages arising from any reliance upon such information or advice. the personal recommends using caution and consulting an expert for comprehensive, expert advice.