Ontario has some of the best views for long motorcycle rides, but even the safest roads are not without risk.
Motorcycle insurance protects you against financial loss if you are in an accident that causes injury, damages to your bike, injures another person, or damages the property of another person.
Motorcycle insurance protects against a variety of situations, including:
- Falling Objects
Depending on the amount of time you spend on your bike, and the type of riding you do, our professional insurance brokers can help you get the right insurance products, customized to your motorcycle needs.
Why Buy Motorcycle Insurance with Ron Johnston?
For more than four decades, Ron Johnston Insurance has served the people of Ontario in a broad range of auto insurance services.
Being a local business, our team of experienced brokers know we aren’t just serving clients, but friends and neighbours. We strive to provide the greatest level of protection on all bike insurance policies while meeting your budget needs with every motorcycle insurance quote.
When you work with Ron Johnston Insurance for your motorbike insurance, you work with a team who believes in:
Above and Beyond – Our brokers work around the clock to find the best deals for our clients. We aren’t satisfied until we know all your needs have been met, and you have peace of mind about your ride.
Express Claims – We offer express claims on our motorbike insurance for accessibility and convenience.
Customer Satisfaction – Your satisfaction is important to us. Our business is protecting you and your motorcycle. If you aren’t satisfied, we aren’t doing our job right.
What Does Motorcycle Insurance Cover?
Motorbike insurance, like other auto insurance products, is mandatory in Ontario for riders. You may choose a seasonal coverage option if you only ride your bike in the warmer months or opt for a year-round policy.
Storing your motorcycle for a season may change the type of protection you need. Fortunately, Ron Johnston Insurance offers standard and extended policies so you can customize your insurance to your riding style.
Standard Motorbike Insurance Coverage
Under the umbrella of your motorcycle insurance protection, there is a standard for coverage. This includes:
Collision and Accident Benefits – In a collision, this coverage pays for the repair of your motorcycle. If your motorcycle is written off, it covers the value of your bike minus your deductible. Accident benefits coverage applies for additional protection in medical expenses, tow fees, emergency services costs, and funeral expenses.
Direct Compensation – If you are not at fault in a collision, but your bike is damaged and needing repair, direct compensation allows your insurance company to pay for repairs. Third-party insurers may take months to file a claim from the other driver. With direct compensation, you don’t need to wait around for the other insurance company to do their job.
Liability – If you harm another rider, another driver, or the property of another individual on your bike, liability coverage keeps you from paying out of pocket. Liability protection includes coverage on medical bills, legal fees, and repairs.
Extended Motorcycle Insurance Coverage
If standard motorbike insurance doesn’t provide enough coverage for your needs, you can discuss extended insurance options with our brokers.
All Perils – Perils are the risks you may encounter on the road, or while your bike is in storage. Some bike insurance includes a set list of perils, including fire, explosion, theft, falling objects, etc. Your bike is covered from all risks in an all perils policy, not just a specified set.
Loss if Use – If you cannot use your motorcycle due to damage or theft, your loss of use coverage provides you with an alternative ride until your bike is back.
Waiver of Depreciation – You may be eligible for a waiver of depreciation with your bike insurance. When you buy a new motorcycle, it loses value as soon as it leaves the lot. If your bike is in an accident and replaced later, your insurance policy will only cover up to the current value. A waiver of depreciation keeps your bike value stable for up to 36-months after it is purchased, ensuring you don’t lose money on a later claim evaluation.
You can add optional coverage on your motorcycle accessories, so that your helmet, gear, and specialty equipment is protected under your policy. Contact our brokers to learn more.