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Ask the expert: How does motorcycle insurance work?


I recently purchased a motorcycle, what kind of insurance do I need to drive it in Ontario?

Congratulations on your purchase. Many Canadians enjoy riding a motorcycle in the warmer months for pleasure or as an alternative on their commute. They require specific motorcycle insurance that works similarly to car insurance with both mandatory and optional coverages available to suit your needs.

In Ontario, the mandatory coverages are:

  • Direct compensation property damage
  • Third-party liability
  • Uninsured motorist
  • Accident benefits

If you want to insure a motorcycle in Ontario, all policies will have a minimum of this coverage. You can also purchase additional optional coverages like collision and all perils for more robust coverage.

OTIP can offer you great rates on motorcycles and other leisure vehicles. Call us today for a quote at 1-800-267-6847.

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