Owning and riding a motorcycle is one of life’s most thrilling experiences. With over 729,000 registered motorcycles in Canada and growing motorcycling is becoming increasingly popular, particularly in Ontario, which leads the country in motorcycle ownership and clubs. However, with the excitement of riding comes increased risk, making motorcycle insurance a crucial necessity.

All licensed motorcycle riders in Ontario who own a registered bike are legally required to carry motorcycle insurance. This applies to all types of motorcycles, including sport bikes, cruisers, custom bikes, and classic or vintage models. Riders must also carry a valid driver’s license, wear an approved helmet, follow traffic laws, and ensure their motorcycle is properly registered and insured.

- Motorcycle insurance provides coverage for your bike(s), listed riders, and any covered losses or damages. Your rate will depend on factors such as age, riding experience, and the type of bike you own. Common coverage options include:

- Liability Coverage: Protects you if you are found responsible for causing injury or property damage to a third party. It includes legal expenses and settlement costs up to your coverage limit.

- Collision Coverage: Pays for repairs to your motorcycle if you're at fault in an accident, minus your deductible.

- Comprehensive Coverage: Covers damage caused by non-collision incidents such as fire, theft, vandalism, hail, or storms.

Total Loss Coverage: Helps cover the replacement cost of your motorcycle if it’s declared a total loss.

Whether you're purchasing a new policy, renewing your current one, or looking for better rates, it’s important to understand how motorcycle insurance works.

At Vanguard, we are committed to guiding our clients through the entire insurance process and beyond. Every client is assigned a licensed Vanguard broker focused on delivering personalized solutions for your motorcycle insurance needs through our extensive network of insurance partners. Our services include:

- Customized motorcycle insurance policies tailored to your lifestyle and budget.

- Solutions that match your coverage needs across all types of riding histories.

- Insurance for multiple bikes and all makes and models, whether new or classic.

- Friendly and knowledgeable service from our dedicated brokers and representatives.

- Ongoing peace of mind through every stage: from quotes and renewals to claims support.