Kanetix's travel insurance quote comparison service
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About how many kilometres do you drive each year?
The more you use your motorcycle, the higher the risk that you'll be involved in an accident. Some insurance companies will even offer lower premiums to people who don't drive as often.
To answer this question, simply select a numerical response that best describes your usage.
About how many kilometres is it driven to work/school each day? (one way)
Driving to work or school includes driving all the way to your office or school as well as driving to a subway, bus or train station. Generally, people who don't use their vehicle to get to work or school, will have a lower premium than those who do.
To answer this question, simply select a numerical response that best describes your usage.
Accident Benefits
Accident Benefits coverage provides for you and your family if you are injured or killed in a motorcycle accident. Accident Benefits provide income replacement for persons who have lost income as well as- payments to non-earners who are not able to carry on a normal life;
- payment of care expenses to persons who can no longer act as a primary caregiver for a member of their household;
- payment of medical, rehabilitation and attendant care expenses;
- payment of funeral expenses and payments to survivors of a person who is killed.
Annual premium
The insurance premium shown is the total estimate for all vehicles and drivers. These estimates are based on the information you've entered into our Quotemaker and do not include provincial tax or service charges if they apply.All prices shown are 12-month (yearly) policies. This makes it easier for you to compare, however some insurance companies may only offer 6-month policies.
Business hours
These are the hours that the broker, agent, or direct seller, are available to help you with your premium, start a new policy, or give you advice. M = Monday
T = Tuesday
W = Wednesday
Th = Thursday
F = Friday
S = Saturday
Claims rating
Claims satisfaction ratings are available for companies listed on Kanetix that provide quotes to Ontario residents only. This information is published by the Financial Services Commission of Ontario (FSCO). Each year, FSCO releases a claims satisfaction survey that compares car insurance companies on policy price and customer service satisfaction. For more information on the survey, visit the FSCO's Web site, www.ontarioinsurance.com.
Collision coverage
Collision Coverage
Collision coverage pays to fix or replace your motorcycle if it is damaged in a collision.
By choosing a deductible here, you are choosing to include collision into your insurance coverage. The amount of your deductible affects the price of your insurance policy. The higher your deductible, the less the cost of your insurance premium.
A deductible is the portion of a claim that you would pay. For example, let's say your deductible is $500. If you made a claim for a collision and the damages were assessed at $2,000, you would have to pay $500 towards the repairs, and your insurance company would take care of the balance.
If the coverage type or deductible amount you are looking for is not offered online, please call us here at Kanetix to be transferred to speak to a company insurance representative. There may be other options available.
Coverage Options
For your convenience we have pre-selected the coverages most often chosen by our visitors for your motorcycle. You can modify these coverages below. Once you've made your changes for each company, you must select the 'Recalculate' button to update your rates.
By choosing a deductible for a particular coverage, you are choosing to include this coverage on your quote. The amount of your deductible affects the price of your insurance policy. The higher your deductible, the less the cost of your insurance premium.
Collision coverage pays to fix or replace your motorcycle if it is damaged in a collision.
Specified perils covers you for specific accidental damage caused only by fire, theft, lightning, windstorm, hail or rising water, earthquake, explosion, riot or civil disturbance, falling or forced landing of aircraft or parts of aircraft, or the stranding, sinking, burning, derailment or collision of any kind of transport in, or upon which the vehicle is being carried on land or water.
A deductible is the portion of a claim that you would pay. For example, let's say your deductible is $500. If you made a claim and the cost was assessed at $2, 000, you would have to pay $500, and your insurance company would take care of the balance.
Specified perils coverage is not available for certain models of motorcycle unless they have an approved anti-theft device. If the coverage type
or deductible amount you are looking for is not offered online, please call us here at Kanetix to be transferred to speak to a company insurance
representative. There may be other options available.
Direct Compensation - Property Damage
This option is mandatory in Ontario. It provides coverage for damage to your motorcycle and any of your property stored in/on the motorcycle, because of an automobile accident where you are not-at-fault.
Discounts included
Many insurance companies offer discounts off your motorcycle insurance rates and they can be different from company to company. This list will give you more information about each kind of discount.
Some insurance companies will offer a discount if you have an approved alarm or anti-theft device installed in your vehicle.
Some companies offer a discount for being an "experienced" motorcycle rider. To qualify you must
- be at least 25-years-old
- be licensed to drive a motorcycle for at least 3 years
- have owned and operated a motorcycle for at least 3 years
- drive a motorcycle that is more than 901 CCs
- have no tickets or claims or licence suspensions on your record for the last 3 years
*certain models are excluded from this discount
This discount applies if you have more than one motorcycle insured with the same company.
Do any of the riders belong to any of the following organizations?
Motorcycle Clubs and Associations
All it takes is one rider to belong to a motorcycle club or association to possibly entitle you to a discounted insurance rate.
I can't find my bike in the list?
Most makes and models of motorbikes are available on the Kanetix Quotemaker, but there could be a few instances where you are having a little trouble...
If so, your insurance needs are more specialized then what can be accommodated online. A local broker may be able to help. To search for one in your area, please visit www.insurancedirectory.ca.
If so, the insurance companies may not have that new make in their databases yet. Try selecting the same or closest make from the previous year. The price may be a little low, but at least you will know what insurance company has the lowest rate for your profile.
I need help?
Have a question? We'll help you find your answers.
We're open Monday to Thursday 7:30 am to 8:00 pm (ET) and Friday, 7:30 am to 6:00 pm.- Check out the online FAQs and InfoCentre - both have tips and articles to help you navigate the world of insurance.
- As well, if you click on the Help button next to each question in the Quotemaker you'll find information to help you with your answer.
You'll also have an opportunity to speak with a licensed representative when you're confirming your quote. So if you're in doubt about any of the questions or your answers, make sure you discuss your doubts/questions with them. They'll be available to answer all your questions and make adjustments to your quote, if necessary.
Is this motorcycle turbocharged?
Some motorcycles come with turbocharged or supercharged motors. Aftermarket units are also available.
Is your motorcycle a replica or a homebuilt/rebuilt model?
A replica motorcycle is a bike designed to copy a popular classic motorcycle model. A homebuilt or rebuilt motorcycle is a one-of-a-kind vehicle wholly or partially constructed by an owner or another motorcycle builder (either hobbyist or enthusiast).
Liability limit
Liability Coverage
Liability insurance provides coverage for you if someone else is injured or killed. It also provides coverage if their property is damaged as a result of a motorcycle accident.
Ontario has a "no-fault" car insurance system. This means that if you're injured or your vehicle is damaged, then you deal with your own insurance company, no matter who is at fault. You don't have to go after the at-fault driver for compensation.
If you are legally responsible for an accident, then you are also legally responsible for the damages. If you are uninsured, you will be charged with driving/riding without insurance, and you may be fined. You may also have your driver's licence suspended until you have made satisfactory arrangements to repay the amount owing.
Made up your mind?
Depending on the insurance supplier, you'll have one of three choices.
1. Call us
Just jot down the Quote Reference Number and call us at 1-888-854-2503. We'll get your permission to transfer your quote information to the company you've specified and introduce you to a licensed representative. They'll review your information, answer all your questions, and get any additional details that are required to confirm your quote.
2. Apply online/Request coverage
You can continue online and complete a request for coverage. Once the company you've selected has received received your request and has verified your quote details, one of their representatives will contact you to review your information, answer all your questions, and get any additional details that are required to confirm your quote.
3. Call an Agent
You can provide your contact details and your permission to transfer your quote and an insurance representative will contact you within 2 business days to discuss your quote.
Motorcycle Manufacture Type
Motorcycle Manufacture Type
Factory Built
The motorcycle was built in a motorcycle factory.
Custom Built
The motorcycle was built with aftermarket parts by a licenced professional and was individually produced in a very limited quantity. Some common features of a custom motorcycle include forward controls, open belt drive transmissions, inverted forks, and unique paint jobs.
Home Build
The motorcycle was not manufactured by a Professional Custom builder or motorcycle factory.
Rebuilt Bikes
The motorcycle has at one time been declared a total loss or has been assembled from salvaged parts.
Multi-line discount
Multi-line Discount
Some companies offer a Multi-line discount on your motorcycle insurance premium if you choose to get, or currently have, home and/or auto insurance with them as well.
If you choose to include this discount, the companies that offer it will apply it to your motorcycle insurance quote. You can then get a quote for your property and/or auto when you confirm your motorcycle quote.
My bike was made pre-1990?
Currently, we are unable to provide online quotes for motorcycles older than 1990. A local insurance representative may be able to help you. Visit www.insurancedirectory.ca to search for a licensed representative in your area. In order for us to provide accurate insurance quotes, Kanetix relies on the data provided by the VICC (Vehicle Information Centre of Canada). Unfortunately, older motorcycles are not represented within this data. As a result, to quote for an older motorcycle, an insurance company generally needs to rely on the price of the bike (or an appraisal of the bike). However, the Kanetix motorcycle Quotemaker is not currently designed to offer any value-based quotes like this on our Web site.
No. 19 - Limitation of amount payable (Restrictive endorsement)
Some insurance companies set a maximum they are willing to pay in the event of a claim. This maximum is either the actual cash value of your bike (or its damaged parts) or the limit specified in the policy endorsement. Whichever is less.
No. 40 - Fire and theft deductible (Restrictive endorsement)
By having this option on your policy, you agree to pay your full deductible if your motorcycle is completely written-off or not recovered due to fire or theft.
No. 44 - Family Protection
Family Protection Coverage provides coverage for you and your family from the actions of an at-fault, underinsured driver. If you are travelling in a province or a state where the mandatory liability coverage is low, Family Protection coverage ensures that you and your family are covered if you are injured in an accident up to your own policy's limits regardless of the other person's coverage levels.
Specified perils
Specified perils covers you for specific accidental damage caused only by fire, theft, lightning, windstorm, hail or rising water, earthquake, explosion, riot or civil disturbance, falling or forced landing of aircraft or parts of aircraft, or the stranding, sinking, burning, derailment or collision of any kind of transport in, or upon which the vehicle is being carried on land or water.
By choosing a deductible here, you are choosing to include specified perils into your insurance coverage. The amount of your deductible affects the price of your insurance policy. The higher your deductible, the less the cost of your insurance premium.
A deductible is the portion of a claim that you would pay. For example, let's say your deductible is $500. If you made a theft claim and the cost of your bike was assessed at $10, 000, you would have to pay $500, and your insurance company would take care of the balance.
Specified perils coverage is not available for certain models of motorcycle unless they have an approved anti-theft device. If the coverage type or deductible amount you are looking for is not offered online, please call us here at Kanetix to be transferred to speak to a company insurance representative. There may be other options available.
Specified perils coverage
Specified perils
Specified perils covers you for specific accidental damage caused only by fire, theft, lightning, windstorm, hail or rising water, earthquake, explosion, riot or civil disturbance, falling or forced landing of aircraft or parts of aircraft, or the stranding, sinking, burning, derailment or collision of any kind of transport in, or upon which the vehicle is being carried on land or water.
Choosing a deductible
A deductible is the portion of a claim that you would pay. For example, let's say your deductible is $500. If you made a claim and the damages were assessed at $2,000, you would have to pay $500 towards the repairs and your insurance company would take care of the balance. The amount of your deductible affects the price of your insurance policy. The higher your deductible, the less the cost of your insurance premium.
The coverage and deductible choices available through Kanetix allow for easy comparison between companies, however, other options may exist. For example, Comprehensive coverage includes the items listed in specified perils and in addition covers falling or flying objects, missiles and vandalism. Ask your agent or broker, at the time of purchase, for a complete list of coverage and deductible options.
This coverage is not available
Some insurers do not offer specified perils coverage for certain models of motorcycles unless they have an approved anti-theft device.
The approved anti-theft devices are:
- Harley-Davidson Factory Security System
- Sherlock Anti-Theft
- Gorilla
- Viper
- Armed Guard
- Auto Watch
- Merlin
- Scorpio
If you have not included your motorcycle's anti-theft device you can include it by selecting the 'Modify' button in the 'Vehicle details' section below.
Uninsured Automobile and Unidentified Driver (Atlantic Provinces)
This option provides coverage if you are in an accident with an at-fault, uninsured driver. It even covers you if the driver is not identified at the scene of the accident. (e.g. hit-and-run accidents)
Uninsured motorist coverage (Ontario, Alberta, NWT and Yukon)
Provides coverage for you if you are in an accident with an at-fault, uninsured driver who is identified at the scene of the accident.This option provides coverage if you are in an accident with an at-fault, uninsured driver. It even covers you if the driver is not identified at the scene of the accident. (e.g. hit-and-run accidents)
What is the engine displacement (size) of your motorcycle in CCs?
Engine Displacement
The engine displacement, or size of your motorcycle, is an important factor in determining your insurance rate. The size of your motorcycle is often included in the name (e.g. Honda VF750C).
What is the model of your motorcycle?
Model of Motorcycle
Insurance companies use information like the model of your motorcycle to figure out your premium. They look at details of other claims submitted for that model: like repair costs, rate of injury, and the chances that your motorcycle will be stolen. Some companies consider the Manufacturer's Suggested Retail Price when they're putting together your premium.
What is the value of all modifications, customizations and accessories?
To calculate your rate, we need to know the value of any modifications, enhancements and accessories on your motorcycle like saddle bags, electronics and custom parts.
What type of theft protection device does your motorcycle have?
Theft Protection
Insurance companies may offer a discount if your bike has a theft protection device. The Harley-Davidson Factory, Security System, Sherlock Anti-Theft, Gorilla, Viper, Armed Guard, Auto Watch, Scorpio and Merlin theft protection devices are the most common in Canada and are also the most likely to qualify for an insurance discount.Check below for more information about each type of theft deterrent.
Audible
The audible alarm is usually combined with other security systems and will make a loud noise if triggered (e.g. a vehicle fitted with an impact or tilt sensor will also be equipped with an audible siren that will sound if there is contact with, or movement of the motorcycle). A second backup battery is required for a discount to apply.
Electronic immobilizer
Electronic immobilizers disable the starter or ignition systems. Typically a special key or small electronic device is needed to start the engine. Many anti-theft systems include audible sirens and pager devices as part of the complete protection package.
Impact/Motion
These devices sense vibrations or movement of your motorcycle. They may also monitor movement around your motorcycle's immediate perimeter. When armed, any contact with the bike (someone trying to lift or push it, will activate an audible alarm or paging device.)
Mechanical immobilizers
Mechanical anti-theft devices include disc, lever, cable or "U" locks. These devices are good visual deterrents and can prevent your bike from being moved.
Monitored Tracking
Monitored security systems are also known as 'vehicle recovery' systems. They are high-tech devices, usually tracked by Global Positioning satellite (GPS). The system is activated when the vehicle is reported stolen by the owner.
What was the retail price of your motorcycle when it was new, including taxes but excluding modifications, customizations and accessories?
Retail Value
To calculate your rate, some insurance companies need to know the manufacturers suggested retail price (MSRP cost) of your motorcycle. This cost does not include the cost of any modifications, customizations and accessories, it does however, include all taxes.
If you are not sure of the exact cost of your motorcycle then you can either contact a motorcycle dealer for help or you can enter an approximate cost, which can later be confirmed with a licensed representative. You should however note that this price may affect your quotes.
What year is your motorcycle?
Insurance companies need to know the year of your motorcycle, so they can consider things like repair costs, rate of injury, and the chances that your motorcycle will be stolen. Generally, newer motorcycles are more attractive to thieves, so you'll end up paying a higher premium than if you insured an older model of the same motorcycle.
What's the make of your motorcycle?
Make of Motorcycle
Insurance companies use information like the make of your motorcycle to figure out your premium. They look at details of other claims submitted for that make: like repair costs, rate of injury, and the chances that your motorcycle will be stolen. They also consider the Manufacturer's Suggested Retail Price when calculating your premium.
Who drives it the second most?
Insurance companies consider the number of different people that drive your motorcycle, and their insurance record. Generally, the more people that drive your motorcycle, the higher will be your insurance premium.
Who rides it most of the time?
Insurance companies consider the number of different people that ride your motorcycle, and their insurance record. Generally, the more people that ride your motorcycle, the higher your insurance premium.
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