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Personal Insurance / Auto Insurance / Motorcycle Insurance

Motorcycle Insurance in Canada

As you cruise around the curves of the road, you want peace of mind that whatever happens, your insurance plan will be there for you. A motorcycle insurance policy is full of necessary options to keep you safe at every turn.  

Fast and Easy Motorcycle Insurance 

Whether you are a new or experienced rider, motorcycle insurance is essential for protecting you on and off the road. 

Do you Need Motorcycle Insurance in Canada? 

Yes. Motorcycle insurance is mandatory in Canada, so it is necessary to find an insurance policy that matches your motorcycle type, your bank account, and your unique needs as a rider. Rhodes & Williams makes it easy for you to get a fast quote and a great plan as their experienced brokers work hard to match your needs to the most suitable insurance policy.

What is Covered Under Motorcycle Insurance? 

Motorcycle insurance includes standard insurance for protection and add-ons that you may want to consider, depending on several factors, because no ride or person is the same. A tailored motorcycle policy is the best direction to take for ultimate protection.

Coverage for Motorcycle Insurance

Third-Party Liability
Coverage for when you cause unintended damage to property or other people.

Accident Benefits 
If an injury or death occurs from an accident, the accident benefits coverage will often cover hospital expenses and other costs for you and your family. (e.g., lost income, medical expenses are typically covered) 

Uninsured/Underinsured Drivers 
Not all drivers are insured or properly insured. The uninsured option covers you in case you are involved in an accident.  

Direct Compensation 
If your motorcycle requires repairs after an accident where you are not at-fault, direct compensation insurance will pay for repairs to your ride.  

Additional Add-Ons


Damage to your cruiser or sport bike can be devastating and expensive. To ease the pain, collision insurance gives you coverage if you collide with a vehicle or other object and sustain damage.  


Factors beyond your control, like hail, fire, and water damage, are typically covered with a comprehensive insurance extra. Add in theft and vandalism protection for a complete package. 

All Perils and Specified Perils

All Perils insurance for your ride includes collision and comprehensive insurance coverage, along with some other add-ons like theft and vandalism. Ask your broker for an explanation of what is and is not included. Specified Perils are specific options that you want insurance for, including fire and flood.  

Accident Forgiveness 

If you have your first at fault accident, accident forgiveness insurance protects you by not increasing your insurance rates at renewal time. 

Equipment Coverage 

If you own and ride a touring bike or other customized motorcycle, you may want to consider equipment coverage insurance.  

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Our experienced motorcycle insurance experts provide you with a wide array of options for a reliable motorcycle insurance policy. Get a free online quote today. 

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Why Choose Rhodes & Williams?

  In Business for almost 90 years.

As an independently owned brokerage, we take care of our clients at every stage of the insurance journey, from the initial connection to the completion of each customer’s request, on time.

  Hands-on Insurance Services.

We have a team of committed brokers, which allows us to be the go-to insurance brokerage in major Canadian cities. We provide impeccable service so you can go on with your life with your insurance needs taken care of.

   Trusted by Many.

Whether you need home, car, business, or recreational insurance in Canada – we have your back. See our Testimonials for proof of exceptional service. 


Your insurance rate, or premium, for motorcycle insurance in Canada depends on many external factors, including your age, your riding history, where you live, any prior infractions, and much more. It is best to get the advice of an expert insurance brokerage at Rhodes & Williams to get the best rate and coverage options.

Factors that impact your motorcycle insurance rate in Canada, include your age, riding history, your postal code, prior tickets (speeding), motorcycle type (cruiser, touring, etc.), safety course completion, and your deductible amount.

Combining (Bundling) your motorcycle insurance with your home or cottage insurance is a common way to reduce your premium. A higher deductible and maintaining a great driving record will also help decrease your insurance rate. 

There are many factors that can affect your motorcycle insurance rate in Canada, including your age and riding history. Owning a motorcycle is generally less expensive than owning a car. Speak to a Rhodes & Williams insurance broker today or get a fast online quote for your ride. 

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We offer competitive rates and impeccable service.

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