Motorcycle Insurance in Ontario


Enjoy your Freedom on the Open Road

Bike or scooter, city or open road – no matter where or how you ride, make sure you’re protected. We know what you need when it comes to your motorcycle, which is why we offer the best coverage – tailored just for you. Petley-Hare provides Ontario riders the best price for motorcycle insurance – with great service and great options.

Motorcycle Insurance can provide coverage for:

  • Standard, custom-built, dual-purpose, cruisers and off-road bikes
  • Bodily injury to someone else or property damage that you accidentally caused while riding your motorcycle.
  • Bodily injury to yourself because of an accident with an uninsured motorist.
  • Damage to your motorcycle caused by an accident.
  • Attached side cars.

Why Choose Us?

  • Compare rates: We have access to over 20 of Canada’s leading motorcycle insurance companies. Motorcycle insurance rates can vary significantly from one insurer to the next, so we compare quotes to ensure you’re getting the best price available.
  • Bundle it up: You can also save more when you bundle your motorcycle insurance with other insurance policies from the same company
  • Save more: We can offer even more discounts if you’ve completed a Motorcycle Riders Training Course.

What Coverage do I need for a Motorcycle in Ontario

As with auto insurance, Ontario motorcyclists must carry standard insurance that covers Third-party Liability; Accident Benefits; and Uninsured Automobile coverage. And, as with auto, optional coverage includes protection from damage or loss, such as Comprehensive; All perils; Specified Perils; and Collision. You can buy combinations of these coverages to protect you against the damage/loss of your scooter or motorcycle caused by theft, fire and other unpredictable events.

Also, in Canada, motorcycle owners must have insurance by law. Each insurance company makes its own assessment of risk when setting rates for a given rider, based on a long list of variables. The end result is that rates can vary significantly from insurance company to company, which is why comparing motorcycle insurance rates is the easiest way to big savings.

For competitive market rates, comprehensive coverage and customized solutions for all your risk protection requirements, it’s important you speak to an expert insurance broker. At Petley-Hare, our brokers work with you to create tailor-made solutions to ensure you have the right coverage in place for maximum protection.

Motorcycle Insurance for Ontario M1 License Holders

If you’re a new rider with an M1 license in Ontario, it’s important to understand the motorcycle insurance requirements before you hit the road. Riding a motorcycle can be a thrilling experience, but it comes with risks, and having the right insurance coverage is crucial.

As per Ontario law, every rider with an M1 license must have insurance before operating a motorcycle on public roads. The coverage requirements for M1 license holders are the same as those for fully licensed riders. Here are some of the main types of coverage you should consider:

  1. Liability Coverage: This coverage protects you from any financial responsibility if you cause injury or property damage to someone else while riding your motorcycle. It’s mandatory in Ontario, and the minimum coverage limits are $200,000 for third-party liability and $1 million for personal injury liability.
  2. Collision Coverage: This coverage pays for damage to your motorcycle if you’re in an accident, regardless of who is at fault. It’s not mandatory in Ontario, but it can be a valuable addition to your insurance policy.
  3. Comprehensive Coverage: This coverage pays for damages to your motorcycle that are not related to an accident, such as theft, vandalism, or weather-related damage. It’s also not mandatory, but it can provide added protection.

As a new rider, it’s important to obtain sufficient insurance coverage to protect yourself in the event of an accident. In addition to adhering to Ontario’s insurance laws and regulations, there are a few things you can do to get the best insurance rates. For example:

  1. Take a motorcycle safety course: Completing a recognized safety course can demonstrate to insurance providers that you’re a responsible rider, which can lead to lower premiums.
  2. Bundle your insurance policies: If you have other insurance policies, such as home or auto insurance, consider bundling them with your motorcycle insurance to save money.

At Petley-Hare Insurance Brokers, we understand the importance of having the right motorcycle insurance coverage, especially for new riders. Our experienced brokers can help you find the coverage you need at a price that works for you.

For more information on our motorcycle insurance offerings, contact us at 1-800-216-5324 or request a free, no obligation quote.

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