Motorcycle Insurance A standard motorcycle policy typically includes third-party liability, accident benefits and uninsured automobile coverage. Need Basic Motorcycle Insurance Coverage? Whether you are buying coverage for the first time or renewing your motorcycle, moped, motor scooter or motor-assisted bicycle insurance, your policy will typically include:Third-party liabilityAccident benefitsUninsured automobile coverage.Your insurance representative can provide detailed information about the coverage requirements in your province or territory and additional insurance options such as comprehensive, all perils and named perils coverage.Maintaining a safe riding record is the best way to keep your premiums down. And remember to always make sure you insurance policy is in force before going out on the road. How to Buy Motorcycle InsuranceInsurers base your motorcycle, moped, motor scooter or motor-assisted bicycle insurance rate upon factors similar to those used for rating auto insurance, such as:Your age (in some provinces/territories)Your riding experienceThe type of motorcycle, moped, motor scooter or motor-assisted bicycle (for example, manufacturer and engine size) you own.If you live in a province or territory with private insurance, shop around to compare prices, coverages and service. Learn about additional things to consider when buying motorcycle insurance.Licensing Requirements Across CanadaEach province and territory has specific licensing requirements for the various classes and types of motorcycles, mopeds, motor scooters and motor-assisted bicycles. The speed of your motorized cycle may determine the type of driver’s licence you require.To learn more about requirements where you live, visit your local government’s website: AlbertaNunavutBritish ColumbiaOntarioManitobaPrince Edward IslandNew BrunswickQuebecNewfoundland and LabradorSaskatchewanNorthwest TerritoriesYukonNova ScotiaSafe Rolling TipsIn 2010, more than 647,000* motorcycles were registered for on-road use in Canada. With sales of motorcycles, mopeds and motor-assisted bicycles increasing, more new riders are taking to the roads. If you own and operate any type of motorcycle, consider our tips on how you can ride like a pro. Motorcycle SafetyMotorcycle sales are increasing in Canada which means many new riders – young and not-so-young – are taking to the roads. Riding a motorcycle requires skill, control and a different level of focus than when driving a car – for example, knowing how to rake safely while leaning into a turn. Related ServicesTheft CoverageOn average, a car is stolen every 3.5 minutes in Canada. Seasonal VehiclesDo you ride a snowmobile in the winter? Drive your classic car only during the summer? Park your RV in storage for a few months? These types of vehicles should have comprehensive coverage year-round. Useful LinksBuyer BewareInformed buyers carefully review their insurance policy and policy limits. Know what to look for when reviewing all sections of auto, home or business policies. Seller ScamsPay attention to the details of your insurance contract. Scammers sometimes slightly alter the name of a legitimate company. Claims ProcessTo make a claim after a collision, you must notify your insurer as soon as possible. Your insurer will assign an adjuster to work on your claim and evaluate the total damage. Car CrashStay calm and if anyone is injured call 911. It’s important to take notes at the scene of a collision and report the incident to your insurer within 48 to 72 hours. Use IBC’s form to record all contact information and collision details.