Motorcycle Insurance
The coverage you need to ride with confidence.
Our dedicated motorcycle insurance experts are here to give you peace of mind – on the open road and during the off-seasons. We offer tailored insurance that suits you and your motorcycle needs.
Your guide to motorcycle insurance in BC.
Having standard motorcycle insurance is a requirement across Canada. With our quick and easy quote tool, we’ll help you get set up with the ideal protection. Here in BC, your mandatory motorcycle insurance is purchased through ICBC.
Basic ICBC coverage includes:
- Third-party Liability
- Accident Benefits
- Uninsured Motorist Protection
Beyond the basics, did you know Acera Insurance has a motorcycle insurance program geared specifically for BC riders? See eligibility and details below.
Coverage on the road across Canada.
Get your motorcycle insurance by phone or in person at your nearest branch.
Discover the benefits of our BC Motorcycle Insurance Program.
Originally developed by the industry-leading motorcycle insurance experts at Megson FitzPatrick, our BC motorcycle program has been built to cover all of your riding needs. Now as one unified company, Acera Insurance proudly provide 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 Covered
- “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 canceled if the bike is sold.
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
- Coverage extends to attached accessories (if included within agreed value)
Why choose Acera Insurance for motorcycle coverage?
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.
Motorcycle Insurance Experts
Our knowledgeable team is highly specialized in providing you with the right motorcycle insurance for your unique needs.
Multiple Quotes and Savings
As a truly independent insurance brokerage, we work with top motorcycle insurers to provide you with a variety of competitive quotes.
Convenient Service Options
With Acera Insurance, you can expect quality service at your convenience – in person, by phone or online.
Helpful tips from our advisors.
Motorcycling is your passion – and it’s our passion to make sure you get the motorcycle coverage you need. Our advisors are available to answer your insurance questions and provide tips to help you save.
Answering your most common questions.
How much does motorcycle insurance cost?
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 overage options
- Your deductible amount
How can I save money on my motorcycle insurance premium?
Owning and insuring a motorcycle doesn’t have to be expensive. Here are some tips to save on your motorcycle insurance premium.
- 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 anti-theft device. This lowers the chance of being stolen and reduces the insurance company’s risk of replacement costs.
- Have adequate storage. If you can guarantee a safe, well-kept storage space for your motorcycle, you reduce the chances of damage during the winter, and mitigate theft.
- Take a motorcycle training course. Completing a motorcycle safety course can provide information on how to reduce risks and help drivers better react to dangerous situations.
Should I insure my motorcycle during the winter?
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 insurance in the winter, you will also have a gap in coverage. Coverage gaps may affect your future premium costs when you need to secure coverage again the next season.
How does motorcycle insurance differ across provinces?
Some coverages are mandatory depending on the province, while others are optional. An Acera Insurance advisor can help you understand the unique requirements within your province. In general though, these are the main differences:
- Accident benefits coverage is mandatory in all provinces except Newfoundland.
- Direct Compensation Property Damage Coverage (DCPD) is in place in Alberta, Ontario, Newfoundland and Labrador, New Brunswick, Nova Scotia, Prince Edward Island and Quebec.
- Collision coverage is optional in most provinces, but required in Saskatchewan and Manitoba.
- Uninsured motorist coverage is mandatory in Ontario, Newfoundland and Labrador, New Brunswick, Nova Scotia, and Prince Edward Island.
- In British Columbia, Third Party Legal Liability Coverage must be purchased from ICBC.
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