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Motorcycle Insurance in Ontario

Motorcycle Insurance Quote

Best Motorcycle Insurance Quote Online in Ontario

Motorcycle insurance in Ontario is vital for safeguarding riders and their bikes from financial liabilities arising from accidents, injuries, and damages. Riders must meticulously assess their policy terms, grasp various coverage options, and adhere to legal mandates to guarantee comprehensive protection with the right Motorcycle insurance in Ontario. Additionally, it’s crucial for riders to prioritize safety, adhere to traffic laws, and invest in appropriate safety gear to mitigate risks and enhance their riding experience.

At McDougall Insurance, we understand the unique needs of Ontario riders and offer tailored Motorcycle insurance solutions to suit your lifestyle. Our Motorcycle insurance brokers in Ontario are committed to providing personalized service and finding you the best Motorcycle insurance coverage at competitive rates. With McDougall Insurance by your side, you can ride with confidence knowing you have the support and protection you need on the road. Let us help you navigate the intricacies of Ontario motorcycle insurance and ensure you have the peace of mind you deserve.

Motorcycle Insurance


Student wearing helmet taking motorcycle lessons and practicing ride. In background traffic cones and instructor with checklist rating and evaluating the ride. Motorcycle school of driving.

Motorcycle Insurance Ontario

McDougall Insurance has inhouse bike enthusiast’s who are knowledgeable when it comes to finding you the proper motorcycle insurance in Ontario. Our 70 years of experience translates into finding you the best motorcycle insurance coverage for your situation. Our expert Ontario motorcycle insurance brokers pride themselves on knowing the market and being able to relate to their clients to develop a motorcycle insurance plan tailored to their needs and riding abilities. For biker’s who ride down south in the winter months we even have protection plans available for you.

By understanding these facts and working with a trusted insurance broker like McDougall Insurance, riders can make informed decisions about their motorcycle insurance coverage and ensure they are adequately protected on the road.

Talk to one of our motorcycle insurance experts and Grab Your Free Motorcycle Insurance Quote Online in Ontario Now!

Motorcycle Insurance Quote

Motorcycle Insurance Coverage in Ontario

As an expert Motorcycle Insurance broker in Ontario, We understand the importance of having comprehensive coverage for your motorcycle.

Here are some important facts about motorcycle insurance in Ontario:

Mandatory Coverage:

In Ontario, motorcycle riders are required by law to carry a minimum amount of insurance coverage, including Third-Party Liability and Accident Benefits coverage. This coverage provides financial protection in the event of injuries or damages caused by a motorcycle accident.

Additional Coverage Options:

In addition to mandatory coverage, riders can choose to purchase optional coverage to enhance their protection. This may include coverage for collision, comprehensive, uninsured motorist, and more.

Factors Affecting Premiums:

Several factors can influence the cost of motorcycle insurance premiums in Ontario, including the rider’s age, driving experience, type of motorcycle, usage patterns, and location.

Discounts and Savings:

Insurance providers may offer discounts for riders who have completed motorcycle safety courses, belong to certain rider groups or associations, or have multiple policies with the same insurer.

Seasonal Coverage:

Ontario riders may opt for seasonal coverage if they only ride their motorcycles during specific months of the year. This allows them to suspend coverage during the off-season and reactivate it when they start riding again.

Underinsured Motorist Coverage:

Motorcycle riders may also consider adding underinsured motorist coverage to their policy, which provides protection if they are involved in an accident with a motorist who has insufficient insurance coverage to fully compensate for damages.


Navigating the intricacies of motorcycle insurance in Ontario can be complex, but as your dedicated insurance broker, We are here to help you find the right motorcycle insurance coverage options tailored to your needs and budget.

We are fortunate at McDougall because of our size and all the different markets we can leverage to find our customers the best coverage. McDougall Insurance has relationships with the most competitive motorcycle markets in Ontario. Meaning, if you are looking for a motorcycle insurance quote in Ontario you have come to the right place. Our motorcycle insurance rates are competitive for riders of all ages, genders, and abilities.

Motorcycle Insurance Broker

Did you know:

Bundling your motorcycle insurance with your car insurance can lead to huge discounts? Several of our companies offer discounts of up to 40% on your motorcycle insurance if you bundle with your auto insurance.

Shopping for motorcycle insurance online in Ontario

At McDougall we know your motorcycle is more than just a ride it is a way of life, and we are here to help protect you. With so many scenic roadways here in Ontario it is no wonder we administer so many free motorcycle insurance quotes year after year.

At McDougall we appreciate that there is a special bond between riders and their motorcycles and it’s our promise to make sure you ride away with the best protection. Contact us today and  Start with a Quick and Motorcycle Insurance Quote Online.

Motorcycle Insurance Quote
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Motorcycle Insurance Ontario FAQ’s

* Yes, in order to be road legal you must first have a valid motorcycle license for the province of Ontario, as well as an insurance policy for your motorcycle. The only instance where insurance is not required, but can still be added, is for bikes that are only driven on private property. Explore further details regarding the mandatory motorcycle insurance in Canada.

* Yes, you do have the ability to cancel your policy midterm. However, with most companies there is a cancellation fee and it often is more than the money you would save. This is because most companies who insure motorcycles in Ontario realize that the bike is typically only on the road in the summer so they allocate the premium to those months.

* With many companies bundling your home and auto will save you money on your insurance. The same is true if you bundle your motorcycle insurance with your home, auto, or both. However, some companies have eligibility requirements that you must meet or they may not even consider writing your motorcycle.

The value of your motorcycle does play a role in determining the premium for your motorcycle insurance policy. However, the majority of the insurance premium and the reason it may be more than the value of your bike comes from the accident benefits portion of your policy. This is the portion of the policy that covers you if you are injured in an accident. With motorcycle your likelihood and the potential damage are historically a lot worse than a car insurance accident when it comes to injuries.

Almost every company that insures motorcycles will provide a discount for individuals who complete the rider training program. Some companies also offer huge discounts for riders that complete the advanced rider training. It is definitely worth it to complete the rider training and save on your motorcycle insurance.

What Our Customers Are Saying

Patrick Chapelle

Mcdougall was not only the friendliest insurance company but also got me the best rate out of the 5 I called.

Freska Jo

I can not say enough about this brokerage. The staff are professional, courteous and go above and beyond any other institution I have dealt with. When it comes to my home, auto and rental property coverage I know that McDougall has me covered and will save me money in the process. Highly recommend this brokerage.

Rhonda Murray

We have been a customer of McDougall Insurance for 15 years and can’t say enough good things about them. We have had the pleasure of working with Gary for the entire time and honestly can’t imagine having the trust I have with anyone else. Gary takes our calls, emails and texts any time we need his help. He has worked evenings and weekends in such an efficient manner that we’ve barely had the time to ask and it’s already been taken care of. He not only keeps us up to date on anything new with our policy he also recommends ways we can save money and improve our coverage. We highly recommend McDougall Insurance to anyone who wants knowledge, friendly customer service and 100% dedication.

Daniel Wan

I have recently purchased insurance from Blake Trickey at McDougall Insurance. He provided a timely response to my requests. I could clearly see he appreciated my business and was willing to work hard for me. He has always been available when I call. I immediately felt this person and the agency were a business which focuses on honesty and integrity, and go above and beyond to meet and exceeded my expectations. I truly felt that he was on my side and cared about me not just my business. I would highly recommend Blake to my friends and family.

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