Motorcycle Insurance
Ontario riders face some of the highest motorcycle rates in Canada, which is exactly why you need a broker who shops 60+ markets instead of one company's price.
What's Covered
Liability Coverage
Mandatory $200K minimum, most riders carry $1M–$2M. Structured right for your bike and riding habits.
Collision & Comprehensive
Repair or replacement for your bike after a crash, theft, vandalism or weather damage, with sensible deductibles.
Riding Gear
Helmets, jackets, gloves and electronics, your gear is covered, not just the bike.
Custom Parts & Equipment
Aftermarket exhausts, seats, luggage and modifications insured to their real value.
Seasonal / Lay-Up Options
Ontario riding season is short, lay-up endorsements and seasonal rating keep winter costs down.
M-Class & New Rider Programs
M1, M2 and new riders placed with markets that actually want the business, plus training-course discounts.
What Ontario Riders Should Know
Ontario motorcycle premiums are driven by bike class (sport bikes cost the most), engine size, your M-class experience, age, and riding history. New riders and sport-bike owners get the steepest quotes, but insurers disagree wildly on motorcycle pricing, so shopping 60+ markets finds outliers with far better rates. Completing an approved training course (like RTI or Humber) unlocks meaningful discounts with most insurers.
Who this is for
- Cruiser, touring and sport-bike riders across Ontario
- M1/M2 and new riders who need a broker that places beginners
- Riders with custom bikes, trikes or vintage motorcycles
- Anyone whose renewal jumped, re-shop it 60 days out
Motorcycle Insurance: Common Questions
It varies widely, from under $1,000/year for experienced cruiser riders to several thousand for young sport-bike owners. Bike class, engine size, M-class experience and riding record are the biggest factors. A broker quote across 60+ markets is the fastest way to find your best rate.
Yes, new riders are very placeable with the right broker. Some insurers specialize in beginner business. Completing an approved training course also unlocks discounts and better options.
With the right endorsements, yes, helmets, jackets, electronics and aftermarket modifications can all be scheduled at their real value. Sunny makes sure your policy reflects what's actually on the bike.
Often, yes. Ontario's riding season is short, and lay-up endorsements or seasonal rating reduce premiums for the months your bike is stored. Sunny structures this properly so you're still covered for theft and fire while parked.
Ready to get covered right?
Get a free, no-obligation quote shopped across 60+ insurance companies. One conversation could save you hundreds.