Insurance for all kinds of motorcycles
If you love to ride, we’ve got the insurance you need at affordable rates. There’s also coverage available for your accessories and safety gear for less than you think.
Whether you ride a classic Harley, modern sport bike, scooter or something in between, we have coverage for any bike that’s legal for the road. Call us for a quote today and find out why so many Ontario riders trust Mitch for their motorcycle insurance needs.
Bundle your motorcycle insurance and save
We’ll help you get on the road with motorcycle coverage that won’t break the bank. Looking to save even more? If you bundle your bike insurance with your home or auto policy, you can save up to 50% on your motorcycle coverage.
What we offer
There’s a number of reasons why we stand out. Here are a few:
Standalone insurance
We can insure any street-legal bike. There’s no need to insure a car or home.
Rider training discounts
Both novice and advanced rider training can help you save on your premiums.
Lots of choices
We work with over 70 insurers, and have access to some of the best rates and coverages in Ontario.
Bundle discounts
Save up to 50% when you bundle your motorcycle insurance with your auto or home.
Gear and accessories
We have coverage for your bike trailer, sidecar, helmets and much more.
Minimum motorcycle coverage in Ontario
To ride a motorcycle on Ontario roads, you need the following minimum insurance coverage:
Third-party liability
If you have an at-fault accident, you can be sued for property damage or hurting someone. This covers court awards, settlements and legal fees. The minimum is $200,000 in coverage. We recommend $2 million.
More about liability insurance
Accident benefits
This covers medical costs beyond government health plans and includes rehab, attendant care and income replacement. It also covers the cost of a substitute caregiver for your kids or elderly parent.
More about AB coverage
Direct compensation
If another driver is at fault for an accident, direct compensation – property damage (DCPD) pays to repair your motorcycle, with no deductible. If you have one, you’re also covered for most stuff inside your saddlebag.
More about DCPD coverage
Uninsured auto
If another rider or driver is at fault for an accident but doesn’t have insurance, this coverage allows you to recover costs for injuries and damage as if they did. It also covers hit-and-runs.
More about uninsured auto coverage
We also strongly recommend collision and comprehensive coverage that pays to repair or replace your motorcycle should something happen to it.
Other coverage options:
Add coverage for protective equipment (goggles, helmets, clothing)
Receive replacement costs for accessories (windshields, saddlebags, sidecars)
Get the actual cash value for personal effects used while riding, and any stuff you’re carrying on your bike
Need special motorcycle coverage?
Classic motorcycles
If you have a vintage bike that’s over 30 years old and is only use for special events, you could save up to 50% compared to standard coverage.
More about classic motorcycle insurance
Super sport bikes
These high-powered machines can be challenging to find coverage for, but we can help get experienced riders on the road in no time.
Scooters and mopeds
In Ontario, scooters and mopeds require insurance to go on the road (e-bikes with pedals do not). Because of the low CCs, rates are very affordable.
Our motorcycle insurance company partners:
Frequently asked questions about Ontario motorcycle insurance
How much is motorcycle insurance?
Your age, riding history, the type of bike you have and postal code all impact your premium. Experienced riders (6 years+) outside the GTA with an M license and a clean record can expect to pay $800 – $1,200 a year for most bikes.
At-fault accidents, tickets, a Toronto postal code or bikes with high CCs are likely to add to these costs.
How much is motorcycle insurance in Ontario for an M2?
In Ontario, to ride a motorcycle you must have a valid motorcycle license, be of age, and have insurance. The newer the license, the more the insurance will cost. With an M2 and not a full M license, you might expect to pay more for your motorcycle insurance than if you were fully licensed. Deciding factors will also consider:
- Your gender and age
- Where you live (inside the GTA is the most expensive)
- The make, model, and year of your motorcycle
- The value your motorcycle
- How long you’ve had your M2
- How many people are on your policy
Policies for M2 licenses in Ontario can average around $2,500 but can go up depending on your factors.
Can I cancel my motorcycle insurance in the winter?
You can, but you likely won’t save any money. Insurance companies know that Canada has a short riding season, so they charge most of your annual premium during the prime riding months.
Why is Ontario motorcycle insurance so expensive?
Motorcycle insurance is expensive because of the frequency of serious injuries and other associated medical and legal costs. In Ontario, both motorcycle insurance and auto insurance are regulated by the government, and are mandated by law to provide accident benefits to provide you with medical care if you’re hurt in an accident.
Do you need motorcycle insurance in Ontario?
Yes, motorcycle insurance is mandatory in the province of Ontario. As it is a motorized vehicle, you can face serious penalties if you are caught operating a motorcycle without insurance.
