Your core protection
Standard motorcycle insurance in BC
Motorcycle insurance is required across Canada, but the coverage you need depends on where you live. In BC, mandatory motorcycle insurance is purchased through ICBC. Our quick and easy quote tool can help you get started and find the right protection for your ride. Basic ICBC coverage includes:
- Third-party Liability
- Accident Benefits
- Uninsured Motorist Protection
Looking for coverage beyond the basics? Navacord offers a specialized motorcycle insurance program designed specifically for BC riders. Explore the eligibility requirements and program details below.
Discover the benefits of our BC Motorcycle Insurance Program
Originally developed by the industry-leading motorcycle insurance experts at Acera (formerly MFI), our BC motorcycle program has been built to cover all your riding needs. Now as one unified company, Navacord proudly provides British Columbians with specialized motorcycle coverage to help you experience the rugged beauty of our province and ride beyond.
Eligibility
To qualify, you must have held a driver’s license for 10 years or a driver’s license for five years and taken a recognized safety course. Applicants as young as 18 years with a motorcycle under 400cc may qualify for our “Low Displacement Program.”
What’s Included:
- “All Perils” coverage (Collision and Comprehensive)
- One claim forgiveness, no rating penalty
- Monthly financing available, minimum premiums of $300
- Coverage for the Motorcycle on the road or in storage with no date restrictions for the on-road usage
The policy is written annually on an “Agreed Value” basis and can be cancelled at any time, but the insurance company will retain 40% of the premium.
Program coverage details
Standard benefits:
- Travel protection for loss or damage outside your city of residence
- $500 additional living expenses
- $1,500 to return a damaged or recovered a stolen motorcycle
- $1,500 travel expenses to return home
- $500 loss of use coverage
Additional benefits:
- Lock re-keying if keys are stolen (no deductible)
- Emergency road-service up to a max of $100 per occurrence (no deductible)
- Up to $3,000 for motorcycle riding gear (based on replacement cost; higher limits available upon request)
- Up to $1,000 for a trailer towed by bike
- Unlimited use to and from work or school
- Policy coverage extends to trailers towed by your motorcycle and attached accessories, provided they are included in the declared value.
Our advantage
Why BC riders choose Navacord for motorcycle insurance
We know that protecting your bike and yourself on the road matters. Our helpful advice and reliable coverage ensures you’ll have the best protection.
Our knowledgeable team is highly specialized in providing you with the right motorcycle insurance for your unique needs.
Our specialized motorcycle insurance program can protect your bike while you’re riding or storing it, with coverage options for riding gear, accessories, roadside assistance and more.
With Navacord, you can expect quality service at your convenience – in person, by phone or online.
Learn from our motorcycle insurance experts
“Always remember to contact your broker if you have recently purchased a bunch of new accessories that would increase the value of your motorcycle.” – Christopher Murphy, Client Advisor
FAQs for motorcycle insurance in BC
No, you cannot include your motorcycle under your auto insurance policy in British Columbia. Although auto insurance can cover various vehicle types, ICBC requires motorcycles to have their own separate insurance policy. This is because motorcycles have distinct features and risk factors compared to cars or trucks, so they must be insured individually.
There are several benefits to maintaining your motorcycle insurance coverage year-round. Many policies include storage coverage. This means whenever your bike is not being ridden, you would have coverage if it is stolen, vandalized, or damaged by fire, attempted theft, falling objects and more.
If you cancel your road coverage for the winter, consider whether you still need protection for risks such as theft, fire or vandalism while the motorcycle is stored. An advisor can help you compare year-round coverage, cancellation and storage coverage options.
With ICBC, you cannot technically “pause” your insurance, but you may be able to cancel your policy and then reinstate it when you’re ready to ride again. However, you must return your licence plates if you cancel your insurance.
During the off-season, you can also consider purchasing storage insurance through ICBC, which covers your motorcycle against risks such as fire, theft, and vandalism while it is not being used on the road. We recommend maintaining some level of coverage year-round, as your bike can still be exposed to theft and damage while in storage.
If you make any changes or customizations to your motorcycle, you must notify your insurance provider. Modifications that increase speed or are intended for racing may restrict or even void your coverage. Always disclose all alterations to ensure your insurance policy accurately reflects your motorcycle and maintains your protection. We recommend contacting your insurance broker before making any modifications. Your broker can advise you on how these changes will impact your coverage, allowing you to make an informed decision about whether or not to proceed.
If other drivers will regularly use your motorcycle, tell your insurance provider so the policy accurately reflects its operators. In British Columbia, drivers who should be listed on the policy may need to be added. If an unlisted driver causes a crash, the owner may be charged an Unlisted Driver Accident Premium. Keeping your policy information current can help you avoid unexpected costs.
Not necessarily. The cost of motorcycle insurance compared with car insurance depends on the vehicle, coverage, use, territory, rider or driver history and other rating factors. Some motorcycles may cost less to insure than some cars, while others may cost more. A personalized quote is the best way to compare costs.
