Motorcycle Insurance Frequently Asked Questions

Q. What is the definition of a motorcycle?

A. A motor vehicle intended to be principally operated on a road or highway with motor power having a seat or saddle and designed to travel on not more than three wheels. Please note our Off Road Vehicle program provides coverage for ATVs, Snowmobile and Dirtbikes, click here to insure your Off-Road Vehicle.

Q. When does the policy expire?

A. One (1) year from the date it is made effective.

Q. How do I establish the value of my motorcycle?

A. If it’s new, the purchase price including taxes will be the insured value. Don’t forget to include the value of any attached equipment. If your motorcycle is not new, the Blue Book value will be used.

Q. Is aftermarket equipment covered?

A. If extra equipment is attached to the insured vehicle and the value of that equipment was included in the insurance limit purchased, it will be covered. It is highly recommended that you retain receipts for the original purchase of the added equipment. Also, photos are useful to establish the type and quality of extra equipment.

Q. Can I use my vehicle for business and have coverage under this policy?

A. Not for business use. However for a modest additional premium permission can be given to drive to and from work or school.

Q. I have 2 speeding tickets in the past 3 years. Can I qualify for this program?

A. Yes. Eligibility for the program requires that you have no criminal code driving convictions and no more than two highway act convictions.

Q. What about claims? I have had one theft claim in the last 3 years.

A. You are allowed one claim of any type except a collision claim. If you have had a collision claim within the last three years you will not qualify for the program.

Q. What happens if my motorcycle is a total loss as a result of an insured incident?

A. The unit is insured for Agreed Value. Agreed Value is the amount shown on your policy for your motorcycle. In the event of a total loss you will receive the amount shown on the policy. No deductions will be taken for depreciation and no deductible will be charged. For example, if your motorcycle is insured for $12,000 and is a total loss, you will receive $12,000 if your intention is to purchase a replacement motorcycle.

What methods of payment are accepted?

We accept major credit cards – Visa, MasterCard and American Express.

Buy motorcycle insurance online

We’ve made motorcycle insurance easy. Start with a free, no-obligation quick quote.

How does the renewal process work?

It’s easy. When your insurance is up for renewal you will receive a email one month before your expiry date, letting you know it’s time to renew. In the email you will be given a link that will take you directly to a page where you can complete the renewal process.