Motorcycle Insurance

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 liability
  • Accident benefits
  • Uninsured 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 Insurance

Insurers 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 experience
  • The 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 Canada

Each 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:


Safe Rolling Tips

In 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