Kanetix Forum

Can I get motorcycle insurance for a bike if I do not have a licence?

We referred your question to Sean Graham, Principle Broker at KTX Insurance Brokers, and he let us know that to have a motorcycle insured in Ontario you must have someone listed on the policy as a primary rider of the vehicle who has a valid motorcycle licence.

You also must insure the bike for liability. The option to insure it for specified perils insurance (fire, theft) alone is not available. If you have a friend or relative who has a valid motorcycle licence you could add them on as a driver on the policy. The policy would still be in your name because you are the owner of the bike; however at no time will you be covered to drive the motorcycle because you do not have a licence. Only the listed driver would be covered to drive.

Sean Graham, Principal Broker at KTX Insurance Brokers.

Neither Kanetix® nor the KanetixForum.ca is an insurance broker or agent. Although this information has been passed along to you from KTX Insurance Brokers through the Forum, we are not responsible for the opinions expressed by them. Insurance can be complicated. When reading these answers, keep in mind each person¿s situation is unique. Individual responses may vary depending on your insurer, geographic location, and specific circumstances. If you have a similar situation, always speak with your insurance provider, or a licensed insurance representative, for terms and conditions that may apply to you.