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.

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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6 Things to Look For in a Motorcycle Training Program—and 1 Thing to Avoid

July 16, 2017

If you’re ready to hit the open road on a motorcycle, a rider training program will give you the skills and confidence you need to stay safe on two wheels. And not only is a motorcycle skills course a great way to learn how to enjoy your bike, it can help you save money too—insurance providers offer attractive discounts to graduates of MTO-approved motorcycle training courses in Ontario. Read more