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The benefits of PC auto insurance for motorcycles

Coast to coast, Canada is a motorcyclist’s playground. Along with its unique riding experiences, though, come unique challenges. Safety is a key concern every time you get on your bike, but all the planning in the world can’t prepare you for a bad, last-minute decision by another motorist. In the event that something does go wrong, you want to be sure that your motorcycle insurance policy provides the level of coverage that you need.

As a motorcycle insurance broker, we shop at up to eight insurance companies to ensure you receive the best rates we can for your situation. And we are available 24/7 to help you with any claims.

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Plus, we reward you for every dollar you spend with a PC Financial Mastercard®.

When you pay your PC insurance premium with your PC Financial Mastercard®, you earn 2X the regular PC Optimum points – redeemable for free groceries, fashion and more at participating stores. Minimum redemption is 10,000 PC Optimum points (worth $10 in free rewards). Visit for details and full store list.

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We’ll get you the best motorcycle insurance rate we can for your situation.

One way to ensure that you get the best motorcycle insurance rate for your unique situation is to work with an insurance broker. At PC insurance, we compare rates from up to eight different Canadian insurance providers with the aim of providing you with comprehensive motorcycle insurance options that will work for you.

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How much does motorcycle insurance cost in Canada?

The cost of motorcycle insurance varies significantly across Canada. While some provinces offer private insurance, others require public insurance.

What factors affect motorcycle insurance premiums?

There are a number of different details that motorcycle insurance providers look at when calculating rates. The following are some of the key factors:

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Make & model of your bike

While you may love the idea of purchasing a powerful sport bike to make tight bends, motorcycles that are built for speed and power are considered inherently more dangerous than their slower counterparts and are more costly to insure.

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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.

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Carrying passengers

Not only do they make riding more difficult, but passengers may impact how much you pay for motorcycle insurance. If you aren’t ever going to be riding with someone else, make sure to let your insurance broker know. But if you do end up carrying someone and are involved in a collision, your claim could be denied and your coverage could be cancelled.

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Your age and experience

The rider’s age can have a significant impact on insurance rates. Older, more experienced riders are able to establish a longer history of safe riding, and so will typically pay lower premiums than younger riders.

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How you use your bike

Are you going to be using your bike for touring? Or are you only going to be riding a short commute to work? The more mileage you put on your bike, the more likely it is that your insurance costs will rise. Be sure to provide your insurance broker with as much detail as you can on how you plan on using your bike.

How can I help to reduce the cost of motorcycle insurance?

Whether you’re a younger or older rider, the cost of motorcycle insurance can quickly become prohibitive. Here are some tips for lowering motorcycle insurance premiums that will apply to both the new and the experienced rider:

Purchase a less powerful bike

Insurance companies consider faster, more powerful motorcycles to be more dangerous, which results in higher insurance premiums. If you want to keep insurance costs down, consider buying a bike with a little less horsepower or calling in to talk to a PC insurance representative to find out how your dream bike stacks up in terms of insurance cost.

Keep a clean riding record

The easiest way to keep down insurance costs is simple: avoid having to make claims in the first place! Ride safely and you may see the benefits reflected in your annual insurance premiums.

Bundle insurance

One of the easiest ways to get a discount on insurance is to bundle different types of insurance into one policy. Most insurance companies will offer some sort of discount to consumers who purchase home, auto and motorcycle insurance together.

Take a rider training program

Advanced rider training courses are widely available across Canada, and successful completion can sometime result in lower insurance premiums depending on the underwriter. These courses can be expensive, but may in some situations help lower premium, give us a call and talk to a PC insurance Broker to find out more.

Don’t ride with passengers

If you are going to be carrying a passenger on your motorcycle, be sure to inform your insurance broker and expect to pay a little extra. On the other side, if you’re not going to be carrying passengers, make sure that is reflected in your insurance policy.

What is the difference between motorcycle insurance and car insurance?

Regulations around motorcycle insurance in Canada share some similarities to car insurance, but there are key differences that are important.

Motorcycle Insurance has a similar legal requirement for minimum coverage on a policy to that of Car insurance and like with cars it is highly recommended to purchase more than the minimum liability coverage to be sure that you have plenty of coverage should a collision occur. However Motorcycle insurance can differ from Car insurance in that some companies will require significantly higher coverage due the fact that the likelihood of injury or even death is much higher in motorcycle accidents than car accidents.

Which motorcycle insurance companies does PC insurance work with in Canada?

PC insurance consults up to eight different providers to find you the best rates we can.

What insurance companies does PC insurance work with in Canada?




Nova Scotia



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How do motorcycle insurance requirements differ across Canada?

Since motorcycle insurance falls under the governance of provincial governments, the way that it is administered differs from province to province. Ontario, Alberta, Nova Scotia, Newfoundland and PEI all offer private insurance, which means that consumers can choose to use whichever insurance provider they prefer. In BC, Manitoba and Saskatchewan, however, consumers must purchase their insurance through a government agency. Quebec’s insurance system is a public/private hybrid.

Here are the motorcycle insurance requirements across the provinces that offer private insurance:


Requires third-party liability, uninsured motorist, accident benefits, and direct compensation coverage.


Requires third-party liability and accident benefits coverage.

Nova Scotia

Requires third-party liability, uninsured motorist, accident benefits, and direct compensation coverage.


Requires third-party liability and uninsured motorist coverage.


Requires third-party liability, uninsured motorist, accident benefits, and direct compensation coverage.

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How do I get my motorcycle license?

All provinces in Canada feature a graduated licensing program for motorcycles that allow riders to develop their skills under controlled conditions before earning their full license. How those systems work, however, are different from province-to-province. Some systems are more straightforward than others.

Potential motorcycle riders in Ontario, for example, start by getting their M1 (learner’s license), then their M2 (probationary) and finally, M (full license) through a series of written and practical tests. In BC, however, rules are different for potential riders who already have a full-privilege (Class 1-5) license than those who do not, and the entire process will be different. For more information on how graduated motorcycle licensing works in your province, please consult your province’s licensing body.

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What types of vehicles are covered by motorcycle insurance?

Motorcycle insurance can not only provide coverage for street bikes, cruisers, touring bikes and three wheelers but can also, depending on the provider, cover limited-speed motorcycles such as scooters, Vespas and mopeds. Some insurers will also cover off-road vehicles such as dirt bikes or ATVs under a basic motorcycle insurance policy.

Beware though, not all insurance companies will provide coverage for all of the vehicles listed above. To find out whether your vehicle type is eligible for PC motorcycle insurance, give us a call and learn more about your options.