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.

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.

More about liability insurance

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.

More about AB coverage

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.

More about DCPD coverage

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:

Checkmark

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

Checkmark

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

Checkmark

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 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.

Our motorcycle insurance company partners:

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

Frequently asked 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.

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

In Ontario, to ride a motorcycle you must have a valid M1, M2, or M class license, be of age, and have insurance. The newer the license, the more the insurance will cost. You must first acquire and M1 license to obtain and M2. 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.

An M1 license is the most basic license you can get for a motorcycle in Ontario, and it lasts for 90 days. Afterwards, you’ll get the M2 license, which you can upgrade to after having had the M1 license for at least 60 days. The M license is the full, unrestricted license you would receive after passing a road test.

Because the M1 license is the most basic license, and thereby it is assumed that the driver is less experienced and recently new to motorcycles, their insurance will cost a lot more. In the range of $800 to $2,500 or more, expect to pay on the higher end until you have your full license and more experience under your belt.

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.

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.