Obtaining a motorcycle insurance quote and choosing the right coverage can be confusing for some people as it requires you to understand many crucial details. As leading motorcycle insurance brokers in Ontario, we care about your safety and can help you understand the essential aspects of getting motorcycle insurance in Ontario.
Tips to Get Right Motorcycle Insurance Coverage
1. Insurance is Mandatory in Ontario
One of the most frequently asked questions we get is whether people need motorcycle insurance in Ontario. It is compulsory to have valid motorcycle insurance to ride in Canada. In addition to this, you must also wear a helmet.
2. Consider the Factors Affecting the Premium
The premium of your motorcycle insurance is based on many aspects, including but not limited to the following:
- The years of experience you have riding a bike
- The year, make, model, and age of your motorcycle
- Value of any modifications
- Mileage of the bike
- The area where you live
- History of your insurance claims
- They type of insurance coverage for your bike
3. Issued for a One-Year Term
Generally, insurance policies in Canada are issued for one year. The premium is used during the months the bike is used, and the return premium on cancellation in non-motorcycling months is minimal.
4. Comprehensive Insurance
It helps to know about the different types of coverage available for your bike. There are options for coverage including collision insurance that offers coverage for a collision with another vehicle or motorcycle, comprehensive protection that helps to cover vandalism, theft, and fire, and more. Having the right information and knowledge can help you get the right coverage.
5. Take an Approved Driving and Safety Course
If you are new to riding a motorcycle, it helps to take a driver training program to reduce the amount of the insurance premium. Most of the courses are fairly reasonable as far as the price is concerned and can help you save money in the long term.
6. Bundle Motorcycle Insurance
Instead of getting just motorcycle insurance, you could combine it with a home or auto insurance policy. This way you will be eligible for special discounts that can help you reduce the premium amount while ensuring that you have adequate coverage.
Get Motorcycle Insurance Quote with Our Insurance Brokers
Orr & Associates is a leading insurance brokerage in Ontario dedicated to providing quality service and protection to our customers. We offer 24/7 guidance and support to ensure that you have adequate coverage. We have qualified insurance brokers who can understand your needs and come up with accurate solutions for your motorcycle insurance needs. We offer a variety of coverage including comprehensive policies, collision coverage, specified perils, and more.
If you are looking to obtain a motorcycle insurance quote in Ontario, we can help you. You can call us at 1-866-521-5926 (1-866-292-2592) to speak with our consultants or fill out our online form to get a free quote.