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.

Sterling motorcycle
Motorcycle wheel

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. Learn more here or give us a call.

Motorcycle on road

Are you an M1 rider and need insurance?

New to riding? Get an instant quote for M1 insurance and buy your coverage online in minutes. We love motorcycles and created Ontario’s first-ever M1 insurance quoter to make it easier for new riders to get out on the open road. We can get M1 licensed riders insured on any bike with just a few clicks.

No calling around, no hassles. Visit here to get started.

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What we offer

There’s a number of reasons why we stand out. Here are a few:

Insurance policy

Standalone insurance

We can insure any street-legal bike. There’s no need to insure a car or home.

Insurance coverage umbrella

Rider training discounts

Both novice and advanced rider training can help you save on your premiums.

Multiple insurers

Lots of choices

We work with over 70 insurers, and have access to some of the best rates and coverages in Ontario.

Bundle discounts

Bundle discounts

Save up to 50% when you bundle your motorcycle insurance with your auto or home.

Motorcycle helmet

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:

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.

Motorcycle insurance discounts

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.

Direct compensation

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.

Insurance protection shield

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.

We also strongly recommend collision and comprehensive coverage that pays to repair or replace your motorcycle should something happen to it.

Other coverage options:

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Add coverage for protective equipment (goggles, helmets, clothing)

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Receive replacement costs for accessories (windshields, saddlebags, sidecars)

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Get the actual cash value for personal effects used while riding, and any stuff you’re carrying on your bike

Need special coverage?

Classic motorcycle

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. 

Sports bike

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.

Scooter

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.

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M1 riders

New riders can get the insurance coverage they need for any bike quickly and easily using our online quoter. It only takes a couple of clicks.

Our motorcycle insurance company partners:

April logo
Aviva logo
CAA logo
Echelon logo
Economical logo
Gore Mutual logo
Hagerty logo
Intact logo
Travellers logo
Wawanesa logo

Good to know: Common questions about Ontario 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.

An M1 rider is likely to pay over $5,000, and won’t save much by cancelling mid-year once they get their M2. An M2 rider with rider training might pay closer to $3,500 a year.

At-fault accidents, tickets, a Toronto postal code or bikes with high CCs are likely to add to these costs.

Basic insurance on a starter bike for a 25-year-old male in downtown Toronto with an M1 license would be about $4,100 a year. Or $4,400 with collision and comprehensive.

Keep in mind your personal rate is determined by a lot more than what’s listed above, and because of that your premium may be different than the example.

You can get an online quote for M1 insurance in minutes here.

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.

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.