Motorcycle Insurance in Ontario
There’s one feeling that everyone who rides a motorcycle knows: freedom. To enjoy that, you need insurance that covers you and your bike. With SurNet, you can ride confidently, knowing we’ve offered the best insurance in Ontario to keep you protected. Get the coverage you need and keep the adventure going, no matter where the road takes you.
How to Get Motorcycle Insurance with SurNet
Getting your motorcycle insurance with SurNet is quick and hassle-free. We simplify the process so you can get back to doing what you love—riding. Follow these steps to secure the right coverage for your bike:
Tell Us About Your Motorcycle
Share details about your bike, such as the make, model, and year. This information helps us find the most suitable coverage options for you.
Choose Your Coverage
Select a policy that suits your riding habits and budget. Whether you need basic coverage or extra protection, SurNet has you covered.
Enjoy Your Insurance
With your policy in place, you can hit the road with peace of mind, knowing that you’re fully protected.
What is a Full Motorcycle Coverage
Riding with confidence starts with having the right bike insurance. Full motorcycle coverage includes multiple components that protect you from various risks while on the road:
● Third-Party Liability: Covers the costs if you’re responsible for injuries or property damage to others.
● Statutory Accident Benefits: Offers financial support for medical expenses, rehabilitation, and income replacement in case of an accident.
● Direct Compensation – Property Damage (DCPD): Covers damage to your motorcycle if another driver is at fault.
● Uninsured Automobile: Protects you in accidents involving uninsured or unidentified drivers.
Add Ons
You can add Comprehensive Collision coverage for extra protection against non-collision incidents, like theft or vandalism, and boost your accident benefits for greater peace of mind.
The Right Motorcycle for Every Bike Insurance in Ontario
Motorcycle insurance isn’t one-size-fits-all. Different types of bikes come with unique risks and coverage needs. Here’s a breakdown of insurance options based on the type of motorcycle you own:
Standard Street Bikes
These motorcycles are built for everyday use, including commuting and city riding. Common models include the Honda CB series and Yamaha MT. Insurance for street bikes covers risks like accidents, theft, and vandalism, offering protection for riders who use their motorcycle regularly.
Touring Bikes
Designed for long-distance travel, touring bikes like the Honda Goldwing and BMW K series feature large seats and windshields for comfort. Coverage often includes protection for travel-related risks, such as mechanical breakdowns or out-of-province incidents.
Cruisers
Known for iconic brands like Harley-Davidson and choppers, cruisers provide a laid-back riding experience with a classic design. Insurance typically extends to cover high-value modifications, accessories, and custom parts.
Tricycle Motorbikes
These three-wheelers, including the Can-Am Spyder and Harley-Davidson Trike, offer enhanced stability and a unique riding style. Given their specialized design, coverage addresses higher repair costs and caters to their distinct build.
Each type of bike comes with its own considerations, and SurNet can help you choose the right insurance to suit your specific needs.
How to Get Cheap Motorcycle Insurance in Ontario
The cost of motorcycle insurance greatly depends on the type of bike you own and the experience you have, but there are things you can do to bring the cost down:
Take a Rider Training Course
Completing an accredited rider training course not only helps you ride safely but also qualifies you for insurance discounts. Government-approved courses can even reduce licensing wait times, making it a smart choice for new riders.
Consider a Less-Powerful Bike
Higher cc bikes come with higher risks and insurance costs. Choose a bike that meets your needs while keeping your premiums affordable by opting for a model with lower horsepower.
Bundle Your Insurance
Save more by bundling your motorcycle insurance with other policies like home or auto. Ask your SurNet broker for a quote on combined coverage to see how much you can save.
Customize Your Policy
Adjusting your deductible or dropping collision coverage on older bikes can significantly lower your premium. A SurNet broker can guide you in tailoring the right coverage to fit your budget.
Keep a Clean Driving Record
Avoid accidents and tickets, as they can increase your insurance rates. A clean record will help keep your premiums low and your coverage affordable.