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Ontario motorcycle insurance
Motorcycle insurance in Ontario that’s right for you.
Whether you’re running errands in Toronto or commuting to work in Ottawa, we’ve got you covered. PC Optimum™ members can save up to 35%† when they bundle their home and auto insurance and combine with other available discounts.
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Which motorcycle insurance companies work with PC Insurance in Ontario
As a broker, we search across a range of trusted insurance providers,
to find the coverage in that best fits your needs and budget.
Why is motorcycle insurance important in Ontario?
Why is motorcycle insurance important in Ontario?
Driving a motorcycle can be risky and traffic collisions can result in a serious injury or death.
In the event of theft or an accident, your policy covers the vehicle and any personal liability.
It’s easy to buy motorcycle insurance in Ontario.
1
Have your documents ready.
2
Call us to get a quote and finalize coverage.
Save with PC Motorcycle Insurance. Get an online quote in minutes.
Get a quoteSave on coverage,
and earn PC Optimum™ points.
Save up to 35%†.
PC Optimum™ members save more when they bundle their home and auto insurance and combine with other available discounts. Only need coverage for one? You can still save!
Learn more
Earn 2x the points.
You can earn 2x the regular PC Optimum™ points* for every dollar spent when you pay your premium with your PC® Mastercard®.
How much is motorcycle insurance in Ontario?
There are several factors that motorcycle insurance providers consider when calculating your rate.
Factors impacting cost
Make and model of your bike
Some motorcycles are more expensive than others to insure.
Where you live
If you live in a dense, urban area with high instances of bike theft, collisions and/or other types of insurance claims, you can expect to pay more than someone living in a more rural area.
Your age and experience
A rider’s age has a significant impact on insurance rates. Older, more experienced riders with a longer history of safe riding will typically pay lower premiums.
How much you ride
The more kilometres you put on your bike, the more likely your insurance cost will rise. Be sure to tell your insurance broker as much detail as possible about how much you plan to use your bike.
What does motorcycle insurance cover?
What does motorcycle insurance cover?
A basic motorcycle insurance policy typically includes:
Third-party liability
Accident benefits
Uninsured automobile coverage
How can I lower my motorcycle insurance cost in Ontario?
Check out these ways to save on your motorcycle insurance premium.
No dangerous bikes
Insurance companies consider faster, more powerful motorcycles to be more dangerous, which results in higher insurance premiums.
Keep a clean record
The easiest way to lower your insurance cost is to avoid claims. Ride safely!
Take a driving course
Successful completion of a motorcycle driving course can result in lower insurance premiums, depending on the underwriter.
Bundle your insurance
You could get a discount if you bundle different types of insurance into one policy.
Save with PC Motorcycle Insurance. Get an online quote in minutes.
Get a quoteFAQs
Motorcycle insurance is a type of insurance policy that covers a motorcycle and driver.
In the event of theft or an accident, the policy covers the vehicle and any personal liability.
Call us at 1-866-660-9035 to get a motorcycle insurance quote today.
Motorcycle insurance can provide coverage for street bikes, cruisers and touring bikes.
Depending on the provider, it can also cover limited-speed motorcycles such as scooters and mopeds.
Not all insurance companies will provide coverage for all of the vehicles listed above.
To find out whether your vehicle type is eligible, give us a call at 1-866-660-9035 to learn more about your options.
This will depend on a number of factors, such as your location, type of motorcycle, how often you ride, etc.
Call us at 1-866-660-9035 to get a motorcycle insurance quote today.
Yes! You can earn 2x the regular PC Optimum™ points* for every dollar spent at PC® Insurance if you pay your premiums using your President's Choice Financial® Mastercard®.
*All purchases with the PC Financial® Mastercard® earn a minimum of 10 PC Optimum points per dollar. When you pay your PC® Insurance home or auto insurance premium with your PC Financial® Mastercard®, earn 20 PC Optimum™ points per dollar. Minimum redemption is 10,000 PC Optimum™ points (worth $10 in free rewards) and in increments of 10,000 PC Optimum™ points thereafter, at participating stores where President's Choice® products are sold. Some redemption restrictions apply; visit pcoptimum.ca for details and full store list.
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†By combining the following discounts from participating insurers, as follows: (i) the discount offered to PC Optimum™ members in good standing off the applicable insurer’s base premium excluding any endorsements or extended coverages (ii) the bundled discount for purchasing both your home and auto insurance with the same insurer through PC® insurance and (iii) the claims-free and convictions-free discounts if you qualify, subject to regional availability. Total savings of up to 35% is in comparison to the base premium excluding any endorsements or extended coverages from the participating insurer you would have paid if these discounts were not applied. Valid only for new customers or renewals; does not apply to current policies. PC® auto and home insurance products are available only in Alberta, New Brunswick, Newfoundland & Labrador, Nova Scotia, Ontario, and Prince Edward Island. The PC Optimum™ program is provided by President’s Choice Services Inc.
*All purchases with the PC Financial Mastercard® earn a minimum of 10 PC Optimum points per dollar. When you pay your PC Insurance home or auto insurance premium with your PC Financial Mastercard®, earn 20 PC Optimum points per dollar. Minimum redemption is 10,000 PC Optimum points (worth $10 in free rewards) and in increments of 10,000 PC Optimum points thereafter, at participating stores where President's Choice products are sold. Some redemption restrictions apply; visit pcoptimum.ca for details and full store list.
Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. President's Choice Bank is a licensee of the marks.