What factors influence the cost of motorcycle insurance?
Engine size, model, rider experience, location, usage, claims history, and selected limits.
Motorcycle Insurance in Ontario
Whether you own a custom motorcycle, touring bike or sport bike James Campbell Insurance is here to help you find the right insurance.
Below are coverages that are important as a motorcycle owner. Contact James Campbell Insurance Brokers to gather the appropriate information about what insurance options are available for you and your motorcycle.
The coverage that is required by law consists of four parts:
- Third-party Liability – Coverage in case the driver of your vehicle injures or kills someone or damages someone’s property.
- Uninsured Automobile – Coverage to protect you in event the owner of a vehicle that injured you or caused damage to your vehicle does not have insurance or is not traceable.
- Statutory Accident Benefits – Coverage, which provides for a basic level of income replacement (disability benefits), supplementary medical and attendant care benefits, death and funeral benefits. Some of these benefits are only provided if you have no other wage replacement or supplementary medical benefit plan. Death benefits are only paid if you have a surviving spouse and/or dependent.
- Direct Compensation for Property Damage coverage, allows you to claim from your own insurance company for damage to your vehicle caused by someone else. To the extent that you are not at fault in an accident with another vehicle in Ontario, your own insurer will pay for damage to your vehicle.
Bundling your insurance can help you save money on your motorcycle premium. You also may be able to save money on your premiums if your motorcycle is stored in a garage, if you belong to certain rider groups, or if you have taken a safe rider course sponsored by the Motorcycle Safety Foundation.
Let James Campbell Insurance Help You With Your Insurance Today
At James Campbell, we put you first. Our clients are our top priority and the backbone behind everything we do.
We can help provide you with protection from insuring your first car, your first home or business or even giving you protection during your retirement travels. Whatever you need coverage for, we’ve got your back. We will make sure that you are ready to live a life free of stress or worry so you can focus on life’s important moments each and every day.
James Campbell Insurance Brokers have been taking care of our members for over 40 years. This is why we are able to make insurance easy by offering you the right solutions at the right times. Our solutions are tailored to fit your individual needs, no matter what they may be.
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Engine size, model, rider experience, location, usage, claims history, and selected limits.
Yes. Custom parts and accessories should be scheduled to avoid underinsurance.
You can maintain comprehensive coverage for fire, theft, and vandalism while pausing road coverage if allowed.
Match liability limits to your risk, add accident benefits, and consider collision and comprehensiveness based on value.
Roadside assistance, replacement cost, riding gear, and loss of use.