Motorcycle insurance in Ontario.
Compare. Ride. Save.
One request. Objective comparison across 20+ Ontario motorcycle carriers through our RIBO-licensed partner brokerages. Free, no obligation.
What every Ontario
rider needs to know.
Ontario riders operate under the same Compulsory Automobile Insurance Act as auto — with an M-class licence (M1/M2/M) required. Coverage is placed through RIBO-licensed partner brokerages. FSRA regulates the market. Seasonal storage discounts, sport-bike surcharges and rider experience drive premiums heavily.
Third-party liability
$200,000 minimum in Ontario, $1M–$2M strongly recommended. Covers injury and property damage you cause to others.
Accident benefits (SABS)
Statutory Accident Benefits — medical, income replacement, rehab. Consider bumped limits given the injury exposure on two wheels.
Direct compensation (DCPD)
Your own insurer pays for damage to your bike when another driver is at fault. Same no-fault framework as auto.
Uninsured automobile
Coverage if you are struck by an uninsured driver or a hit-and-run — critical for riders given vulnerability.
Collision + comprehensive
Highly recommended for financed bikes and sport bikes. Comprehensive covers theft, vandalism, weather. Deductibles $500–$2,500+.
Aftermarket & gear coverage
Custom paint, exhaust, helmets, jackets, boots. Standard policies cap accessory coverage at $1,500 — endorse up to $5k+ if you have serious gear.
Three steps.
Zero friction.
You describe your bike
Two minutes to describe your make, model, year, use pattern and your riding history in Ontario.
We match you
Your request goes to a RIBO-licensed Ontario partner brokerage who compares 20+ motorcycle carriers.
You ride
A partner broker returns the best rate — with seasonal storage credit and rider-experience discounts applied.
We serve every
major Ontario city.
They compared.
They saved.
“Sport bike, M2 licence — my old policy was $2,900. Switched carriers via AccesDirect and got the same coverage for $2,180.”
“I only ride May–October. My broker set up a seasonal storage credit I never had before. Real savings.”
“Cruiser, clean record, 12 years riding — but my old insurer wouldn’t move on price. AccesDirect matched me with a broker who did.”
Ontario motorcycle insurance —
common questions.
How much does motorcycle insurance cost in Ontario in 2026?
What licence do I need to ride in Ontario?
Do sport bikes cost more to insure?
Can I get a seasonal / storage discount?
Do accident benefits (SABS) apply to riders?
Does my auto policy cover a rented motorcycle abroad?
Are helmets and gear covered?
Is AccesDirect really free?
Compare Ontario motorcycle insurance rates
Free comparison. 2 minutes. No obligation. Your request goes to a RIBO-licensed Ontario partner brokerage.