There is nothing like getting out on the open road. A cruise during the summer is the perfect way to spend a day. But, before you hop on your Harley or sport bike, you need insurance.
We can help you get coverage for all types of bikes. Ride with confidence. Enjoy the freedom of the open road and cruising with your buddies without a care in the world. You can do this when you have great motorcyle insurance coverage.
Is your motorcycle is a secondary vehicle or summer toy? ThinkInsure is your best option for motorcycle insurance quotes. We’ll make sure you are safe and protected each time you take your bike out for a spin.
Learn all about motorcycle insurance coverage in Ontario and how to save.
The average cost of motorcycle insurance is unique to the individual rider. Your level of experience, age, type of bike you have and driving history all matter. Whether or not you bundle motorcycle insurance with other insurance policies will also impact your rates.
Common factors that affect rates include :
It's easy to get a cheap Ontario motorcycle insurance quote. Quickly compare quotes from the leading providers to save.
To get the most accurate quote it is helpful to have :
Simply fill these simple steps :
Enter your postal code and some basic information.Start
Enter details about your riding and motorcycle.
Compare quotes from the leading companies.
Choose the lowest rate and get your policy.
We all want to save right? Here are some great ways to save on your motorcycle coverage :
There are a few different ways you can get motorcycle coverage :
Motorcycle insurance gives riders protection in the event of a loss. Loss can be a result of an accident, theft, vandalism, damage, and more. Your policy includes three types of mandatory coverage :
Riders have the option of adding optional coverage. You can a variety of coverage options and increase your policy limits for more protection.
Motorcycle and car insurance coverage is very similar in Ontario. Motorcycle insurance is mandatory. All drivers must have a minimum amount of coverage, just like auto insurance. The main difference is insurers often require riders to have higher coverage limits. Why? Motorcycles are higher risk. They are a greater risk for injury and death.
Riders can qualify for discounts to lower insurance costs. Here are some of the common discounts offered by insurers :
Like cars, there are many different types of motorcycles. The type of bike you ride will have an impact on your motorcycle insurance. Some are cheaper to insure then others. Therefore, choosing a reasonable motorcycle is important if you want to have low cost insurance.
Some of the most common bikes we insure include :
Scooters are popular in Ontario. A scooter is a limited-speed motorcycle (LSM) with a top speed of 70 km/hour. Scooter motorcycles are popular because of their low cost of purchase, operation and insurance. They are much cheaper than standard motorcycle insurance. Other benefits such as convenience in parking, storage and obtaining insurance when compared to a typical motorcycle. You require minimum standard Ontario motorcycle insurance coverage.
Looking for cheap Vespa insurance in Ontario? Getting Vespa insurance is the same process and requirements as getting scooter insurance. They are an updated model of traditional scooters. You require standard motorcycle insurance in Ontario.
A moped is a low-powered motorcycle designed to provide cheap and safe transportation with minimal Ontario motorcycle licensing requirements. They have bicycle-like pedals. Moped motorcycles have a 50 km/h restriction. This makes them cheap to operate. You need a standard Ontario motorcycle insurance policy.
To ride a scooter or a moped on Ontario roads you must have :
There are many ways to save on coverage for your bike. Make sure you have the correct amount of motorcycle insurance and tailor coverage to your usage.
For over 45 years we’ve been helping riders get affordable Ontario motorcycle insurance. How? By providing expert advice and comparing quotes from the top insurance companies.
We compare quotes with multiple motorcycle insurance carriers to find the best combination of cheapest price and best coverage. This saves you both time and money. If you combine motorcycle insurance with existing policies, you can save even more.
At ThinkInsure, we work some of the top motorcycle insurers in Ontario. This provides you with affordable rates, policy and coverage options, and the ability to combine your home/auto and motorcycle insurance in one policy.
Ask about motorcycle insurance bundles for even more ways to save.
We aim to provide low cost motorcycle insurance for Ontario riders. Price is important to our valued customers, and that is why we compare prices from many of the leading providers. Many of our customers enjoy great savings. Shouldn't you?
If you want to save, you need to take motorcycle insurance seriously. Motorcycle safety is not only about being a safe driver, it’s about being a responsible motorcycle owner. It’s about understanding how to properly store your bike and how to take action against theft prevention. You want to reduce the odds of having to file claim.
Here are some safety tips that will help you save on insurance :
Have more questions about insurance coverage for your bike, scooter, or moped. Check out these common questions :
Yes. All riders need to have valid insurance coverage to ride a motorcycle in Ontario.
It depends on your situation. Just like with cars, the type of bike, your experience, license type, and many other factors affect your premiums.
The type of policies and coverage options vary by insurer. So does premium costs. Each insurer has a specific formula they use to set motorcycle insurance rates. Compare quotes to find the cheapest rates for your riding needs.
The fine for riding a motorcycle without insurance is the same as driving a car without insurance. Fines range from $5,000 to $25,000 for your first offence. You could also receive a license suspension and have your bike impounded.
The type of coverage you need depends on your bike type, how your ride it, and coverage needs. For example, if you have a vintage bike, standard motorcycle insurance may not be ideal. If you ride your bike daily, you may want to increase your coverage limits and have additional protection.
It is not recommended to cancel your policy in the winter. Motorcycle premiums are based on the riding season. It’s also important to make sure your bike has protection while it’s stored over the winter months.