Auto Insurance Ontario

Motorcycles, ATVs, and off road bikes all have minimum insurance coverage requirements as set forth by the Government of Ontario. Not all insurers in Ontario offer coverage for these vehicles.

Motorcycles and off road bikes are considered specialty insurance products. Huronia not only offers the required coverage but can also explain in detail what aspects of your lifestyle will be taken into consideration before you buy your motorcycle insurance.

Factors That Influence The Price of Motorcycle Insurance

There are many conditions that insurance companies consider before providing you with insurance for your Motorcycle, ATV or Off Road Bike. These include how old you are, your driving record, how often you drive or ride, whether or not you’ve had driver/rider training, whether your Motorcycle, ATV or Trail Bike is considered a high-performance vehicle, and even where you live.

Minimum Insurance Coverage

Regardless of the factors that influence your motorcycle insurance prices, minimum mandatory insurance coverage includes the following:

  1. Direct Compensation
    Covers damage to your motorcycle or off road vehicle (plus contents) when the other driver is determined to be at fault for an accident that occurred in the province of Ontario and is insured within Ontario.
  2. Third Party Liability Coverage
    Coverage of at least $200,000.00 is required to protect you from liability should another person be injured, become deceased, or should their property suffer damage as a result of your motorcycle accident. Lawsuits to the limit of your coverage, including the cost of the settlement, are covered.
  3. Uninsured Vehicle Coverage
    Provides financial compensation if an unidentified driver or uninsured driver causes death or injury to you or your family. Damage to your motorcycle or off road vehicle is covered up to $25,000.00 if incurred by an identified but uninsured driver.
  4. Statutory Accident Benefits Coverage
    Regardless of who causes the motorcycle or off road vehicle accident, income replacement, supplementary medical, attendant care, rehabilitation, caregiver, non-earner, and death benefits are provided.

Increased Liability and Benefits Coverage

Third Party Liability coverage can be increased over and above minimum coverage, as well as Accident Benefits. You can also incorporate extra coverage for loss of (or damage to) your motorcycle or off road vehicle including:

  • Specified Perils
  • Comprehensive
  • Upset or Collision
  • Application Perils

About Huronia Insurance Group

Huronia Insurance Group has a long history (over 22 years) of servicing clients in Barrie, the Greater Toronto area, and other parts of Southern Ontario. We offer business, personal, home, and auto insurance coverage, plus Boat Insurance for Ontario residents.

If you still have questions about motorcycle insurance, ATV insurance, or off road vehicle insurance, you can contact us online, send us an email, or call our Huronia Insurance office directly:

Toll-FREE: 1-866-955-8386

Contact Huronia Insurance
Offering 199 Years of Combined Experience
Call 1-866-955-8386 OR


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Simcoe Region

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