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Motorcycle insurance

If you love to ride, make sure you’ve got the right motorcycle insurance.

With us, you stay in control. Get the best insurance for your motorcycle with Intact Insurance.
  • The motorcycle coverage you need
    We offer motorcycle insurance coverage to meet your needs, regardless of the type of bike you own. We ensure all types of motorcycles, from standard to custom-built, dual-purpose, cruisers, off-road bikes, and scooters.1
  • A variety of additional protections
    Get the appropriate motorcycle coverage with additional protections such as accident rating waiver and Plus Pac.
  • Support from the biggest claims in Canada
    Accidents can happen. If you need to make a motorcycle insurance claim, we’ll help you through the process as quickly and efficiently as possible.

 Coverage

Take to the wide road on your motorcycle with the right motorcycle insurance! Whether you ride a bike or a scooter, in the city or on the freeway, with Intact Insurance, you can ride freely knowing you have the right protections.

  • Liability Coverage, Bodily Injury and Property Damage Coverage protects you if you're responsible for injuring someone or damaging someone else's property while you’re driving your motorcycle.

  • Direct Compensation Property Damage (DCPD) may cover damages to your motorcycle and its contents if another driver is at fault.

  • If you’ve been injured in a motorcycle accident, you may be entitled to certain financial benefits that will assist you while you’re recovering. Accident Benefits provide compensation, regardless of fault, if you, your passengers or pedestrians suffer injury in an automobile accident. Contact your broker for more details.

  • Uninsured Automobile Coverage protects you in two instances. First, if you are injured in a crash by a driver who does not have insurance. Second, if you are unable to identify the vehicle; for instance, if you were the victim of a hit and run.

  • Optional

    Various levels of physical damage coverage for your motorcycle are available, depending on how much protection and coverage you want for your motorcycle insurance:

    • Specified Perils Coverage: Covers your bike against limited numbers of dangers such as risks, like theft, natural disasters, hail, riots or civil disturbances. 
    • Collision or Upset Coverage: If your motorcycle is damaged because you've collided with something (like a light post, guardrail, or another vehicle), the cost of repairs can really add up. Collision or Upset Coverage could cover the cost of those repairs.
    • Comprehensive Coverage: Covers the expenses to fix the damage to your motorcycle from unpredictable circumstances such as fire, theft, vandalism, or natural disasters.
    • All Perils protection: Combines Comprehensive coverage and Collision or Upset coverage for your motorcycle.

THE PERFECT MATCH BETWEEN YOUR HOME AND MOTORCYCLE INSURANCE

Bundle and save!

Combine your home, auto insurance and motorcycle insurance and take advantage of the exclusive benefits. Get the best value for your money with insurance bundles.3

MORE WAYS TO SAVE

  • Bundle your home, car and motorcycle insurance
    Get the best value for your money by bundling your home and motorcycle insurance together!
  • Select rider advantage
    Eligible motorcycles that meet certain criteria are eligible for savings.  Have you had no accidents at fault within the last 6 years and no criminal conviction of any kind? Reach out to your broker, you could save! 

FAQ

We provide insurance coverage for the following categories of motorcycles: standard, custom-built, dual-purpose, cruisers, off-road bikes, and scooters.

Due to the increased chance of motorcycle riders being involved in accidents and filing claims, a motorcycle insurance policy is typically more expensive than a car insurance policy. If you have questions about the cost of your motorcycle insurance premium, don’t hesitate to ask your broker.

Older bikes are often estimated at a lesser value, hence why the cost of the insurance premium is lower. In case of damage, replacing the motorcycle would cost less than replacing a recent motorcycle model. Also, since older bikes are often slower and have less engine power, they pose less of a danger, keeping your motorcycle insurance more affordable than a new motorcycle. 

Your motorcycle insurance premium is calculated by a variety of factors. These variables can include:

  • The type of motorcycle you drive
  • Where you live
  • The number of years you’ve been riding a motorcycle
  • How frequently you ride your motorcycle 
  • The type of motorcycle insurance protection you require
  • The amount of deductible you pay

Contact your broker to request a motorcycle insurance quote and to learn more about your motorcycle insurance premium. 

No. Your motorbike is not covered under your auto insurance, they are two separate policies. Your car insurance would not cover any type of protection when you drive your motorcycle. If you own a motorcycle, you need to get a separate insurance policy for it.

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Talk to a broker

With all the motorcycle insurance coverage available and your specific needs, it can be difficult to pick the right protection. That’s why we have over 2,000 broker relationships across Canada. Insurance brokers are highly skilled in assessing your motorcycle insurance needs and offer the right coverage for your situation and budget. Chat with a broker today and get a quote.

Get a motorcycle insurance quote

Keep yourself safe when tackling the twists and turns of the highway. Find the best motorcycle insurance policy for your needs by getting a motorcycle insurance quote. Getting motorcycle insurance is the first step to protecting your bike.