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Motorcycle insurance
If you love to ride, make sure you’ve got the right motorcycle insurance.
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With us, you can 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. We insure many types of motorcycles, from standard to custom-built, dual-purpose, cruisers, off-road bikes, and scooters.1 - Select Rider Discount
Have you continuously held a motorcycle licensed for the last 6 years and under 60? Have you not been held responsible for any motorcycle accident in the past 6 years? If eligible, you could enjoy the Select Rider Discount! - Support from the biggest claims team 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 motorcycle 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 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 a motorcycle accident. Contact your broker for more details.
Uninsured Motorcycle 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 motorcycle 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.
Discover more coverage
Home insurance
Your house is your home. Protect what matters most to you, and be covered against personal liability due to unexpected insured events.
RV insurance
Get the protection you need for peace of mind on board your recreational vehicle. No matter if you have an RV, motorhome or trailer, find the right coverage.
ATV insurance
Your ATV is part of your lifestyle. Get the right insurance for your off-road vehicle before you hit the trails.
Advice to help you to protect what you care about
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.
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
- Motorcycle riding lessons you've taken
- 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 motorcycle 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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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 motorcycle.
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