Motorcycle Insurance Ontario — Get the Right Coverage

Yes. All motorcycles operated on public roads in Ontario must carry mandatory liability coverage at a minimum of $200,000, though most advisors recommend at least $1 million. Your advisor will walk you through everything you need.

Costs vary depending on the bike type, engine size, your riding history, and the level of coverage you choose. Cruisers and touring bikes tend to cost less than sport bikes. The best way to know your rate is to get a free quote.

Yes. Many Ontario riders choose seasonal policies that cover the riding months and include lay-up coverage for winter storage. This can save you money compared to year-round coverage. Your advisor can explain the options.

Yes. We help new riders, including M1 and M2 licence holders, find bike insurance. Rates for a new rider are usually higher at first and tend to come down as you build riding experience. Completing an approved rider training course may also help.

Every Ontario motorbike insurance policy includes the mandatory coverages: third-party liability, accident benefits, uninsured automobile and direct compensation for property damage. You can add collision and comprehensive coverage to protect the bike itself against crashes, theft, fire and vandalism.

None whatsoever. This is a completely free, no-obligation quote. We'll present your options and let you decide — no pressure, no pushy follow-ups.

In most cases you'll hear from a licensed advisor the same business day. During busy periods it may be the next morning — but we always follow up promptly.