Victoria Motorcycle Insurance
Knowledgeable motorcycle insurance experts in Victoria, BC
Victoria is renowned as one of Canada’s top locations for motorcycle enthusiasts. Thanks to its consistently pleasant and mild climate, the riding season in Victoria extends throughout the year. Temperatures seldom fall below freezing, and snowfall is rare, allowing riders to enjoy their motorcycles in nearly every month. Whether you’re committed to riding year-round or prefer taking your bike out during the peak season, securing the right motorcycle insurance is crucial for your protection and peace of mind.
At Acera Insurance, our dedicated team brings decades of expertise in serving Victoria’s motorcyclists. We understand the unique needs and challenges faced by local riders. That’s why we’ve developed a specialized motorcycle insurance program tailored specifically for Victoria, BC. This exclusive program not only provides comprehensive coverage that exceeds the basic requirements, but also offers options and benefits designed to address the realities of riding in Victoria’s climate and terrain. With Acera Insurance, you can be confident that your motorcycle and adventures are well protected, regardless of the season.
How motorcycle insurance works in Victoria: A guide to basic coverage
Standard motorcycle insurance is mandatory throughout Canada, and Victoria, BC is no exception. To ensure you have the right protection, our streamlined quote tool makes it simple to get started. In Victoria, your required motorcycle insurance is obtained through the Insurance Corporation of British Columbia (ICBC).
The basic ICBC motorcycle insurance policy provides the following essential coverages:
- Third-Party Liability: Protects you if you are found legally responsible for injuries or property damage caused to others in an accident.
- Accident Benefits: Covers expenses such as medical costs and rehabilitation following an accident, regardless of who is at fault.
- Uninsured Motorist Protection: Provides coverage if you are involved in an accident with a driver who does not have insurance.
In addition to the mandatory coverage, Acera Insurance offers a motorcycle insurance program designed specifically for riders in Victoria. For eligibility requirements and a full list of coverage details, see below.
An introduction to our exclusive Victoria motorcycle insurance program
Building on a legacy of motorcycle insurance expertise established by Megson FitzPatrick, our BC motorcycle insurance offering has been thoughtfully designed to serve today’s riders. Now under the Acera Insurance banner, we deliver specialized protection tailored for British Columbians – empowering you to experience every twist and turn of our province’s scenic roads with true peace of mind and the freedom to venture further.
Eligibility
- You must have held a driver’s licence for 10 years, or
- Have a driver’s licence for at least five years and have completed 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, including both collision and comprehensive protection
- One claim forgiveness with no penalty to your insurance rating
- Monthly payment options available; minimum annual premium is $300
- Covers your motorcycle whether it’s on the road or in storage with no date restrictions on usage
- Annual “Agreed Value” policy – can be cancelled at any time (note: the insurer retains 40% of the premium if cancelled)
Program coverage details: Enhanced benefits for Victoria riders
Standard Benefits
- Travel protection for loss or damage outside your city of residence
- $Travel protection for loss or damage occurring outside your city of residence:
- $500 in additional living expenses
- Up to $1,500 to return a damaged or recovered stolen motorcycle
- $1,500 for travel expenses to return home
- $500 for loss of use coverage
Additional Benefits
- Lock re-keying if your keys are stolen (no deductible)
- Emergency road service up to $100 per occurrence (no deductible)
- Up to $3,000 coverage for motorcycle riding gear (replacement cost; higher limits available upon request)
- Up to $1,000 coverage for a trailer towed by your motorcycle
- Unlimited use for commuting to work or school
- Policy covers trailers towed by your motorcycle and attached accessories, as long as they are included in the declared value
Our touring package: Optional coverage for advanced protection
Coverage in case of physical damage or medical inability to ride while travelling ensures you’re protected against unexpected setbacks, whether your motorcycle is damaged or you’re unable to continue your journey due to illness or injury. With this comprehensive protection, you can travel with confidence knowing that support is available for repairs, replacement, and even assistance with travel arrangements to help you get home safely. Our policies include reimbursement for travel expenses, loss of use and emergency roadside service, so you’re never left stranded or out of pocket during your travels.
The Acera Insurance Victoria motorcycle touring package includes:
- 1,000 for additional living expenses if you are unable to ride while away from your city of residence
- $3,000 to transport your motorcycle back to your home city
- $1,500 to cover your travel costs returning home
- $200 for emergency roadside assistance
- $500 for loss of use coverage
Why choose Acera Insurance for your Victoria motorcycle coverage?
At Acera Insurance, we understand that riding in Victoria comes with its own unique experiences and challenges. Protecting your bike and yourself on the scenic roads of Vancouver Island is important, and our team is here for you. With helpful advice and reliable coverage tailored for Victoria riders, you’ll have a greater sense of certainty every time you hit the road.
Motorcycle Insurance Experts
Our local, knowledgeable team specializes in finding the right motorcycle insurance solutions to suit the distinct needs of Victoria riders, whether you’re commuting, touring, or enjoying weekend rides.
Quick & Easy Online Quotes
With Acera Insurance, getting a motorcycle insurance quote online is fast and easy. Just answer a few simple questions and receive real-time estimates for your motorbike coverage within minutes.
Convenient Service Options
Enjoy friendly, accessible service tailored for Victoria residents – available in person at our local office, by phone, or online. We make it easy to manage your policy wherever you are in the city.
How Acera Insurance’s Victoria motorcycle program protects you: Three claims scenarios
Scenario 1: Touring accident outside Victoria
While enjoying a weekend ride up the Island, your motorcycle is damaged in a minor collision. Thanks to your Acera Insurance policy, you benefit from “All Perils” coverage, ensuring both collision and comprehensive protection. The program covers your travel expenses to return home (up to $1,500), provides $500 in additional living expenses if you’re stranded, and offers up to $1,500 to transport your damaged motorcycle back to Victoria. You also have access to emergency road service (up to $100 per occurrence, no deductible) and can claim up to $3,000 for your riding gear if it was damaged.
Benefit: You’re covered for travel, lodging, and repair expenses, ensuring that a mishap away from home won’t leave you stuck or facing unexpected costs.
Scenario 2: Theft of motorcycle and riding gear
Imagine you wake up to find your motorcycle and riding gear stolen from your garage. The Acera Insurance program provides comprehensive coverage for theft. You receive up to $3,000 to replace your motorcycle gear. You also receive $1,500 to recover a stolen motorcycle. If your keys were stolen with the bike, lock re-keying is covered with no deductible. Additionally, one claim forgiveness means this incident won’t affect your insurance rating.
Benefit: You can quickly recover from theft, replace essential gear, and maintain your insurance rating.
Scenario 3: Medical inability to ride while travelling
You experience an unexpected illness or medical emergency during a road trip on the Pacific Marine Circle Loop and are physically unable to make the ride home. Your Acera Insurance touring plan steps in with up to $1,500 for your travel expenses to return home, up to $3,000 for transporting your motorcycle back to Victoria, and $500 for loss of use coverage. If you’re delayed and need to stay overnight, you also have $1000 in additional living expenses available. Emergency roadside assistance is included if you need a tow.
Benefit: You enjoy peace of mind knowing you and your motorcycle can get home safely, even if you’re unable to ride due to medical reasons.
These scenarios illustrate how Acera Insurance’s exclusive Victoria motorcycle program provides comprehensive support for local riders. Whether you’re facing an accident, theft, or a medical emergency away from home, you’re covered well beyond the standard requirements.
Victoria Motorcycle Insurance FAQs
The cost of motorcycle insurance in Victoria, BC can vary depending on factors such as the type of bike, your riding experience, coverage options, and personal circumstances. To find the best rates and coverage tailored to your needs, utilize our free motorcycle quote tool to get an accurate estimate. If you are comfortable with your price, you can continue to make your purchase quickly and conveniently online. If you have any questions, please contact with one of our local brokers to discuss your options.
Owning and protecting your motorcycle doesn’t need to break the bank. Consider these practical strategies to help lower your motorcycle insurance premium:
- Insure multiple bikes with us: If you insure two motorcycles with us and are the principal operator, you’ll receive a 15% discount on each policy. For clients with three or more motorcycles, each valued at $5,000 or more, and who sign a waiver confirming that only you will operate these vehicles, you may qualify for a 50% discount on each policy.
- Add anti-theft protection: Installing a reliable anti-theft device reduces the likelihood of your bike being stolen, which can lead to lower insurance costs, as insurers see less risk for potential claims.
- Secure, proper storage: Safeguard your motorcycle during the off-season by keeping it in a secure, well-maintained location. Insurers may offer discounts for reduced risk of damage or theft over the winter months.
- Complete a motorcycle safety course: Finishing an approved training course not only improves your skills and awareness but could also qualify you for insurance discounts, as providers view you as a safer rider.
There are several advantages to keeping your motorcycle insurance active year-round. Many insurance policies offer storage insurance coverage, which protects your bike when it’s not in use. This means that if your motorcycle is stolen, vandalized, or damaged by fire, attempted theft, falling objects, or similar incidents while stored, you’re still covered.
Cancelling your insurance during the winter can also lead to a gap in your coverage history. Having a coverage gap may impact your ability to secure insurance at a favourable rate when you need it again in the next riding season, potentially increasing your future premiums.
For advice on preparing your motorcycle for colder months, check out our article on winterizing your bike.
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