With motorcycle insurance, you deserve more than just coverage. You deserve a partner who’s as ready for the open road as you.
For the seasoned rider and weekend warrior alike, Canada is full of beautiful, scenic landscapes perfect for motorcycles. Whether you’re riding through the mountains, plains or city, riding a motorcycle is fun and exhilarating, but this hobby also comes with significant responsibility and risk.
Our team doesn’t just know about motorcycles. We know motorcycles. We understand the thrill of the open road, the freedom of the wind against your face and what it means to be part of the motorcycle community.
NFP is an insurance partner that pays attention to the trends, changes and developments affecting motorcycle insurance. Part of our service to you is staying up to date to keep you covered and help you make informed decisions.
We understand your motorcycle is more than just a fun vehicle — it’s part of who you are. We’re here to help you protect it while protecting yourself. As motorcycle insurance experts, finding you the best coverage for your needs at the right rate for you is our number one goal.
What motorcycle insurance coverage do I need ?
From comprehensive protection to roadside assistance, the right coverage will help you ride with confidence, knowing that whatever happens, you’ve got the support you need.
- Comprehensive: Covers your motorcycle for damage caused by fire, vandalism, theft, hail damage, storms and other non-traffic accident claims.
- Collision/upset: Covers damage to the motorcycle in an accident even if it's your own fault. This insurance pays to repair or replace your bike, less the deductible amount.
- Additional liability coverage: Reduce the risk of financial loss by increasing the standard liability limit from $1 million to $2 million. This coverage is for all the costs in an accident for all parties affected (medical costs, legal costs, property damage, hurting someone else, rehab, etc.). (optional with some carriers)
- Accessories: Cover replacement or repairs on the accessories and extras you’ve added to your bike. (optional with some carriers)
- Rental vehicle coverage: If you’re planning a long road trip or you often ride far from home, this coverage will allow you to transport a breakdown yourself, rather than pay excessive tow charges. (optional with some carriers)
- Roadside assistance: If you ever break down far from home, roadside assistance pays for jumps, gas or towing your bike home or to the nearest facility. (only available through certain insurance carriers)
- Replacement cost: Pays to replace your bike with an entirely new ride, not just the fair market value, which may be a lower amount than what you paid for the bike. (optional with some carriers)
- Trip interruption coverage: Helps pay for lodging, food and a substitute vehicle when a mechanical breakdown or a covered loss occurs more than 100 miles from home. (only available through certain insurance carriers)
Get a personalized quote today and feel confident about tomorrow
FAQs
Yes, motorcycle insurance is mandatory in every Canadian province and territory if you plan to ride on public roads.
Factors such as your age, motorcycle type, location and driving history can affect the cost of your insurance premiums.
Yes, many insurers offer discounts for safe driving records, bundling policies (e.g., auto and home insurance), taking a certified motorcycle safety course or even storing your bike securely during off-season months.
All we need is some information about you and the motorcycle and when you are looking for the insurance to start.
Motorcycle insurance policies in Canada are seasonally rated, which means they account for the fact that motorcycles aren’t used as much, or at all, during the winter months. With seasonally rated coverage, your premium is spread across the entire year but is weighted for the riding season, so you’re actually not paying for the winter months when the bike is parked.
Keeping your insurance active all year helps avoid a lapse in insurance, which would affect your rates. Plus, even when your bike is parked, risks such as theft, fire and damage remain.
Cancelling during the winter won’t save you money, and keeping your insurance keeps your bike safe. It also means that you can enjoy those occasional nice riding days during the off season.
Yes, there are storage options where motorcycles not in use can be insured for fire and theft (with a waiver of liability) at reduced rates, as long as at least one motorcycle is insured with standard coverage.
