Motorcycle Insurance in Ontario

We know that there is more than one type of motorcycle, which is why we offer insurance rating that is best suited to the type of bike you ride.

See below for types of motorcycles we cover, as well as discounts and additional ratings available. Please note that we do not offer standalone motorcycle insurance — all motorcycle insurance must be bundled with other products.

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Custom Built

A custom built motorcycle is one that is usually built to the purchasers specifications. This bike is built using new and unique custom made parts.


A moped is a motor-assisted bicycle with pedal. This bike has an engine of no more than 50 cm3 (49 cc), no clutch or gearbox and a maximum attainable speed of 50 km/h.

Motor Scooter

A scooter is a limited-speed motorcycle. This bike has an engine of no more than 50 cm3, and a maximum attainable speed of 70 km/h.


Cruiser motorcycles are bikes styled after American machines from the 1930s to the early 1960s, such as those made by Harley-Davidson, and Indian.


Sport motorcycles are those which emphasize speed, acceleration, braking, and cornering on paved roads.


Standard motorcycles, also called naked bikes or roadsters, are versatile, general purpose street bikes.


Touring motorcycles are specifically designed to excel at covering long distances. They have large-displacement engines, fairings and screens that offer good weather and wind protection, large-capacity fuel tanks for long ranges between fill-ups, and a relaxed, upright seating position.


Trikes are vehicles manufactured with three wheels, such as the Harley Tri Glide Harley Street Glide Trike, and Can-Am Spyder.

Discounts Available

Conviction Free
Age Related
Authorized Driver Training

Optional Rating

We have a selection of optional rating policies available, including:

  • Optional Increased Accident Benefits
  • Rating for Transportation Replacement
  • Waiver of Depreciation (subject to conditions)

Frequently Asked Questions | Motorcycle Insurance

You may only break your motorcycle out of the garage for half the year, but you are still legally required to own insurance throughout the entire year. In fact, most motorcycle policies in Ontario are issued for one-year terms and designed with premiums to reflect seasonal usage.

If you are looking forward to getting back on your motorbike this summer and the weather forecast is calling for sunny days, make sure you are prepared with proper coverage.

Here are some important things to know about motorcycle insurance.

Types Of Motorcycle Insurance

There are many types of insurance coverages for motorcycles including:

  • Comprehensive
  • Collision
  • Property Damage (Direct Compensation)
  • Bodily Injury
  • Third Party Liability
  • Statutory Accident Benefits
  • All Perils
  • And more

Much like a car, motorcycle coverage will protect you in the event of an accident. In Ontario, motorcycle insurance is required by law for all drivers. You must also hold a valid motorcycle licence and wear a helmet at all times.

There are many factors that go into deciding which type of coverage is best for your specific situation. The team at The Ostic Group will review your specific needs and requirements in order to determine the best options, and eligible discounts, for you.

What Do I Need For Motorcycle Insurance?

Our customers often ask us questions about what is required to be eligible for motorcycle insurance in Ontario. Here are a few things to know about qualifying for motorcycle insurance, starting with getting a licence.

To drive a motorcycle in Ontario, you must hold an M Class licence. There are various types of M licences for different motorcycles. All types include M1 and M2 learner’s licence, similar to a G1 or G2 for cars. The three main types are as follows:

  • M licence — This licence is for full-speed motorcycles.
  • M with condition L licence — This licence is for mopeds and motorized scoots, which count as limited speed motorcycles.
  • M with condition M — This licence is for three-wheeled motorcycles.

To apply for a motorcycle licence in Ontario, you must also be 16 years old, pass an eye test, and pass a written test about the rules of the road and traffic signs. You can apply at a DriveTest centre in Ontario.

What Is The Cost Of Motorcycle Insurance?

There are a variety of factors that go into determining the cost of your motorcycle insurance coverage. Considerations include:

  • Your age
  • Your driving record
  • How much mileage you intend to put on the motorcycle
  • Your driver training
  • Where you live
  • The make, model, and age of motorbike you will be driving
  • Whether your motorbike has any modifications or not
  • Whether you will be carrying a passenger or not
  • And more

If you already have home or automobile coverage with The Ostic Group, your motorcycle insurance can be bundled with these existing policies for additional savings. We will be able to review your information quickly and ensure that you get the best insurance coverage, so you can get back out on the open road.

Depending on your situation, you may be eligible for the following discounts:

  • Multi-Policy
  • Multi-Vehicle
  • Conviction-Free

Should I Review My Motorcycle Insurance Coverage?

The short answer is, yes. We always recommend that our customers review their insurance coverage every year for the following reasons:

  1. Some people only insure their motorcycles on a yearly basis. You want to ensure that you are covered for the current season and that your insurance hasn’t expired or you didn’t cancel it in the fall.
  2. You will want to be sure that your coverage reflects your current situation. If your address has changed, or you’re now riding a different motorcycle, you’ll need to update your information to ensure that you are properly covered.
  3. If your plans for driving your motorcycle are different than in the past. If you plan on doing more road trips, or take trips out of province, you will want to ensure that your coverage is extended to include these plans.

There are many considerations when it comes to motorcycle insurance. Contact The Ostic Group to review your unique situation with one of our insurance experts today.