Hit the Open Road with the Right Motorcycle Coverage
When you hop on your motorcycle and hit the highway, you want to have peace-of-mind that you are protected against all situations. At Dawson & Keenan, we understand the appeal of the open road and we’re committed to helping motorcycle owners enjoy the freedom this lifestyle offers.
Our team of insurance brokers in Sault Ste. Marie, Wawa, and Thessalon specialize in covering a range of motorcycles, from cruisers and big touring bikes over 1100cc to custom rides and more. We work hard to streamline your insurance policies, so you can bundle your motorcycle insurance with your other policies such as home or auto. We’re here to reduce headaches, so you can get back to doing what you enjoy — spending time out cruising.
Find Your Ride. We Cover Most Types of Motorcycles.
Our team offers coverage for a range of motorcycle models, including:
Cruising Bikes
These are the bikes styled after American machines from the 1930s to the early 1960s, such as those made by Harley-Davidson and Indian. These machines are perfect for a day out on the open road, although not always built for longer trips.
Touring Bikes
These models are crafted for total comfort and built to go the distance. They typically feature large capacity fuel tanks, along with displacement engines, fairings, and screens for weather and wind protection.
Custom Built
Think of this as a biker’s dream come true. Built to a customer’s specifications, it typically combines new and custom-made parts.
Standards
Sometimes referred to as naked bikes or roadsters, these are general purpose motorcycles for fun or convenient transportation.
Trikes
A sturdy, stable three-wheeler with a motorcycle body, these models are made for a fun, comfortable ride. The Harley Street Glide Trike and the Can-Am Spyder are popular examples.
Mandatory Motorcycle Insurance in Canada
The following types of motorcycle insurance are mandatory in Canada:
- Third-Party Liability – Protects you in case you’re found responsible for another person’s injury or damage to someone else’s property.
- Accident Benefits – Covers medical costs if you’re in an accident (i.e. treatment, rehab, income replacement, etc.).
- Property Damage-Direct Compensation – Pays for damages caused by your motorcycle in an accident where another driver is at fault.
- Uninsured Driver Coverage – Covers you if the accident you’re involved in is caused by an uninsured or unidentified (hit and run) driver.
- Optional Coverages to Consider – Ask your Dawson & Keenan broker about adding additional coverage options for additional peace-of-mind such as:
- Collision Or Upset Coverage
- Specific Perils Coverage
Make Life Simpler – Streamline Your Insurance Coverage.
It’s rare that someone doesn’t have other insurable property in their life! Working with several different providers on your own can be daunting. Letting a Dawson & Keenan broker find the best value from several providers can be very beneficial to your budget – not to mention streamlining your bills and your relationships.
Our team can also provide recommendations, such as adding optional value and coverage to your motorcycle insurance with:
- Optional Increased Accident Benefits – Increases coverage limits in the event you are injured in an accident.
- Rating for Transportation Replacement – Coverage to pay for alternate transportation in the event of loss or damage to your motorcycle.
- Waiver of Depreciation – Subject to conditions, your insurance company will waive the ability to deduct depreciation and provide you with a cheque for the value of a new vehicle after a total loss claim.
Talk to a Dawson & Keenan insurance broker and let’s see what kind of package we can put together for you. Remember that we do the legwork of shopping and comparing policies. You get to enjoy the convenience.
Frequently Asked Questions About Motorcycle Insurance
Q: How much does motorcycle insurance cost in Ontario?
A: Similar to car insurance, the cost of your motorcycle insurance is determined based on a number of different factors. These include age, driving record, intended mileage, driver training taken, location, type of motorcycle, modifications, passengers, plus other factors.
Q: What requirements must I meet to get motorcycle insurance in Ontario?
A: In order to be legally eligible to operate a motorcycle in the province of Ontario, you must have an M Class license, which may be an M1 or M2 learner’s permit. An M license with condition M allows you to operate three-wheeled motorcycles. There is also an M license with condition L for driving mopeds and motorized scooters.
Q: Is it possible to reduce my premiums?
A: New drivers often pay higher premiums than experienced drivers, but you may be able to reduce your premiums long-term by taking an approved safety course. Additionally, installing an anti-theft system may help and/or having a secure place to store your motorcycle, such as a locked garage.
