Ride with confidence, backed by the right coverage
Every rider has different needs. A Navacord advisor will consider your bike, riding style and budget, then review solutions from leading insurers to help protect you on the road and during the off-season.
Your core protection
Standard motorcycle insurance coverage
The coverage included in a standard motorcycle policy depends on the province or territory where your bike is registered. As your dedicated insurance guide, Navacord can help you understand mandatory requirements, compare available protection and select coverage that supports your needs on and off the road.
Third-party liability
Helps protect you if you are legally responsible for injuring someone or damaging their property while operating your motorcycle. Navacord can help you review suitable liability limits and understand how eligible legal defence costs may be covered under your policy.
Accident benefits
May provide benefits if you are injured in a collision, regardless of fault. Depending on the jurisdiction and coverage selected, benefits may include medical and rehabilitation expenses, attendant care, income replacement or other support. Your Navacord advisor can explain the benefits available and help you make informed coverage decisions.
Direct compensation for property damage
Where this coverage applies, your insurer may pay for eligible damage to your motorcycle, its contents and loss of use when another insured driver is wholly or partly at fault. Navacord can help you understand provincial eligibility, deductible and opt-out rules and how they may affect your protection.
Uninsured motorist coverage
When the other driver involved in an accident does not have any insurance or there’s a hit-and-run, this coverage comes to the rescue for injuries and damage to your motorcycle. Your Navacord advisor can clarify how this protection applies in your province or territory.
Additional motorcycle insurance coverage options
Going beyond the basics
Optional coverage can provide broader protection for your motorcycle and added support after an insured loss. Navacord can help you assess your risks, source options from top providers and build coverage around your unique needs. Availability, deductibles, limits and exclusions vary by insurer and jurisdiction, and lenders may require certain coverage for financed or leased bikes.
Helps pay to repair or replace your motorcycle after a covered collision with another vehicle or object, or if the bike overturns, subject to your deductible and policy terms. Navacord can help you determine whether collision coverage is appropriate for your motorcycle and confirm any lender or lessor requirements.
Covers loss or damage from insured non-collision events, which may include theft, fire, vandalism, falling or flying objects, severe weather and contact with an animal. Your Navacord advisor assists by reviewing covered risks, exclusions and deductible options.
Combines collision and comprehensive protection and may also cover certain losses caused by someone in your household or by an employee who drives, services or repairs your motorcycle. At Navacord, we compare this broader option with other available coverage and determine what best supports your needs.
Covers only the risks specifically listed in your policy, which may include theft, fire, lightning, explosion, earthquake, windstorm, hail, rising water or certain transportation losses. Because it generally provides narrower protection than comprehensive coverage, your Navacord advisor can help you evaluate the differences.
May help with eligible emergency services such as towing, battery boosts, fuel delivery, flat-tire assistance or lockout service. Navacord can help you review the services, limits and availability offered by your insurer or assistance provider.
Our advantage
Why riders choose Navacord for motorcycle insurance
Whether you ride a sport bike, cruiser or custom motorcycle, our advisors help secure effective coverage options and build protection around you and your bike.
Our knowledgeable advisors take the time to understand your motorcycle, experience and coverage priorities. We explain your options clearly so you can choose insurance with confidence.
As an independent insurance brokerage with national reach, Navacord can compare coverage and pricing from leading insurers to help you find a competitive option that fits your needs.
Connect with an advisor in person, by phone or online. You’ll receive responsive support when reviewing coverage, updating your policy or navigating a claim.
Learn from our motorcycle insurance experts
Licensed motorcycle operators who have successfully completed the Canada Safety Council Motorcycle Training Program may receive credit equivalent to three years of driving experience when a valid certificate is provided. – Joshua Mena | Team Leader, New Business Client Experience AB
Keep your bill of sale and receipts for any added accessories or equipment in a safe place. These documents help establish the vehicle’s value when obtaining insurance and can be important in the event of a claim. – Kendra Ekberg | Client Advisor, Personal Insurance
Many insurance companies add mandatory endorsements to motorcycle policies, including SEF 40 (Fire and Theft Deductible), which impacts coverage and claim settlement. Be sure to review them with your insurance advisor so you understand how your policy will respond. – Stephanie Anthonipillai | Client Advisor, Personal Insurance
FAQs for motorcycle insurance
Yes. You need motorcycle insurance to ride legally on public roads in Canada. Minimum coverage requirements and insurance systems vary by province or territory, so a Navacord advisor can help confirm what applies where you live.
A motorcycle insurance policy may include required protection such as third-party liability and, depending on your province, accident benefits, uninsured motorist coverage or direct compensation for property damage. Optional coverage may protect your bike against collision, theft, fire, vandalism and other insured risks. Coverage, limits and exclusions vary by policy.
The cost of motorcycle insurance depends on the following factors:
- Your driving record
- The number of years you have been licensed
- Your insurance history
- The make, model and value of the motorcycle
- Your coverage options
- Your deductible amount
You may be able to lower your motorcycle or motorbike insurance premium with these strategies:
- Compare quotes from multiple providers. Working with a broker is an easy and effective way to review your options. As a trusted expert, they shop the market for you, explain the details and answer all your questions.
- Bundle with your home or auto insurance. This can potentially help you secure a lower rate.
- Insure multiple motorcycles under one policy. Drivers with several motorcycles typically pay less by insuring all of their bikes under one motorcycle policy instead of individually.
- Install an approved anti-theft device. Depending on the insurer, it may reduce theft risk and qualify you for savings.
- Store your motorcycle securely. A locked, well-maintained storage space can help reduce the risk of theft and winter damage.
- Complete an approved motorcycle training course. It can strengthen your riding skills and may qualify you for savings, depending on the insurer.
Insurance rates depend on the motorcycle’s engine size, horsepower, value, repair costs and theft risk, as well as rider and policy factors.
Smaller, lower-powered motorcycles are often less expensive to insure than high-powered sport bikes, luxury models or collector motorcycles. Mopeds, scooters and standard cruisers may also have lower rates, but pricing varies by rider, location and insurer.
Keeping coverage year-round can protect your motorcycle while it is stored against insured risks such as theft, fire, vandalism and falling objects. Available storage protection depends on your policy.
Motorcycle policies may also be priced to reflect a shorter riding season, so cancelling for winter may provide limited savings and can create a coverage gap. Ask your broker before changing or cancelling your policy.
