Motorcycle Insurance

Insurance for Riders and Their Rides

If you ride a bike, insurance can be a problem. Not a lot of insurance companies insure motorcycles, and rates have been going up. Check out these posts that explain how motorcycle insurance works, and how to keep your insurance costs down.

First-Ever Fully Online Insurance App for M1 Motorcycle Riders

March 19, 2021

With new riders having trouble booking rider training and M2 tests due to the pandemic, M&W has launched a new online app to help M1 licence holders get insured and get on the road in 2021! The first of its kind in Canada, the app will deliver accurate quotes in as little as 4 minutes, and allow you to buy the policy, all online.

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Motorcycle Insurance: Live to Ride Safely

February 16, 2021

Motorcycle riders like to say “Four wheels move the body; two wheels move the soul.” This is true for anyone who takes to the open road on two wheels. There is nothing like cruising on the open road, feeling the rumble of the bike, and enjoying a beautiful summer day. Read more

Insurance While Riding with Your M1: What You Need to Know

July 28, 2020

With the COVID-19 pandemic wreaking havoc with lots of things, it should be no surprise that a lot of new motorcycle riders are having trouble booking the courses and testing they need to get their M2 licenses. With most insurance companies refusing to insure M1 riders, the only option for the summer of 2020 may be to get insurance with Facility Association, the insurer of last resort, through a licensed broker like Mitchell & Whale. Read more

Comparing Ontario Motorcycle Insurance to Other Jurisdictions – California

January 12, 2020

We get a lot of feedback from Ontario motorcycle riders about how expensive it is to insure a motorcycle in Ontario compared to other jurisdictions, particularly US states. Read more

What You Need to Know About the Sikh Motorcycle Helmet Exemption

October 29, 2018

Motorcycles have been in the news again in Ontario, with the government announcing that motorcycle helmets will be optional for Sikh riders in the province. Read more

Why is Motorcycle Insurance So Expensive in Ontario?

February 2, 2018

The amount you pay for any type of insurance is primarily based on your exposure to risk. This is one of the primary reasons that motorcycle is more expensive than car insurance: higher risk–of injury.

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The Myth of an Insurance Blacklist for Sport Bikes

January 8, 2018

On a regular basis we hear from customers who have been searching high and low trying to find insurance on their sport bikes, only to be told there is a “blacklist”. It’s time to bust that myth.

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Can I Cancel My Motorcycle Insurance in the Winter?

September 20, 2017

When it comes to motorcycle insurance, many motorcycle owners have questions about how their policy premium is calculated and if they have to cancel their policy in the fall and start a new one in the spring.

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Advanced Rider Training Courses in Ontario

September 18, 2017

Whether you’ve just earned your M2 or you’re a seasoned rider, an advanced riders training program can help you boost your skills, confidence, and safety on two wheels. Read more

Ask Adam: Motorcycle Insurance Special

August 22, 2017

In This Installment of Ask Adam:

  1. Cost of insurance vs. value of motorcycle
  2. Insurance for custom bikes
  3. Rider training discounts
  4. Standalone motorcycle insurance
  5. Sportsbike blacklists
  6. Multiline discounts for experienced riders
  7. Advice for first time riders
  8. Seasonal motorcycle insurance
  9. Impact of automobile driving history on motorcycle insurance rates

Hi Adam,

Why would it cost me $3,000 – $4,000 for first time insurance when I only paid $1500 for my starter bike?

John in Scarborough

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