Embracing the freedom of the open road on a motorcycle is an exhilarating experience, but it’s crucial to make sure that you have adequate insurance coverage. In Ontario, having motorcycle insurance is not just a legal requirement; it’s a smart investment in your safety and financial well-being. This comprehensive guide aims to answer some of the most common questions about motorcycle insurance in Ontario, empowering riders to make informed decisions and ride with confidence.  


Do I Need Motorcycle Insurance in Ontario?  

Yes, having motorcycle insurance is mandatory in Ontario. Whether you’re cruising through city streets, exploring the scenic countryside, or hitting the highways, having insurance coverage is not only a legal requirement but also a fundamental aspect of responsible riding.  


What Does Motorcycle Insurance Cover?  

Motorcycle insurance provides a range of coverage to protect you, your bike, and others on the road. The primary components of motorcycle insurance coverage include:  

  1. Liability Coverage: This covers bodily injury and property damage you may cause to others in an accident.  
  2. Accident Benefits: Provides coverage for medical expenses, rehabilitation, and income replacement if you are injured in an accident, regardless of fault.  
  3. Uninsured Automobile Coverage: Protects you in case of an accident with an uninsured or underinsured motorist.  
  4. Collision Coverage: Covers damage to your motorcycle in the event of a collision with another vehicle or object.  
  5. Comprehensive Coverage: Protects against non-collision incidents, such as theft, vandalism, or natural disasters.  

Understanding these coverage options is crucial in tailoring a policy that meets your specific needs and provides comprehensive protection. Cruising, touring or racing, a friendly VLG broker will make sure your motorcycle is covered! 


What Kind of Motorcycle Insurance Do I Need?  

The type of motorcycle insurance you need depends on factors such as your riding habits, the type of motorcycle you own, and your budget. A basic insurance policy typically includes liability coverage, but many riders opt for additional coverage options to enhance their protection. Comprehensive and collision coverage may be especially beneficial for those with expensive or custom motorcycles.  


If I own a restricted-speed motorcycle, am I still required to have motorcycle insurance?  

Yes, even if you own a restricted-speed motorcycle, you are still required to have motorcycle insurance in Ontario. Whether you ride a high-performance sportbike or a restricted-speed scooter, having insurance is a legal obligation that ensures you are financially responsible in case of an accident.  


Which two-wheeled vehicles need motorcycle insurance in Ontario?  

In Ontario, motorcycle insurance is required for a variety of two-wheeled vehicles, including but not limited to:  

  1. Motorcycles  
  2. Mopeds  
  3. Scooters  
  4. Limited-speed motorcycles  
  5. Electric bikes with a maximum speed of over 32 km/h  

Understanding the legal requirements and choosing the right coverage for your specific vehicle is essential for a worry-free riding experience.  

Riding a motorcycle in Ontario is an exciting adventure, but it comes with the responsibility of having adequate insurance coverage. By understanding the legal requirements, the different types of coverage available, and tailoring a policy to your needs, you can ride with confidence, knowing that you’re protected on every journey.  


With the right specialty insurance coverage, we’ll have you moving and grooving in no time. A quick call to one of our friendly VLG brokers will make sure you’re covered and ready to ride!