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Motorcycle & Scooter Insurance Application – Click Here

Sub Broker Application – Click Here 

In 1993 Michael Megson, a motorcycle enthusiast, recognized the need for a provincial program specifically for motorcycle riders. We are proud to be the first in BC to offer a physical damage program for riders. As a market leader our program can cover a wide range of riders and bikes.

We have 3 distinct programs for BC’s riders, all available through our online application:

1. We have the Motorcycle Program which provides “All Perils” physical damage insurance coverage for touring, cruising, dual sport, sport touring and sport class motorcycles.
2. We have the Low Displacement Program which provides “All Perils” physical damage insurance coverage for touring, cruising, dual sport, sport touring and sport class motorcycles 400cc and under and is available for riders as young as 18 years old with limited experience.
3. We have our annual Scooter Program which provides “All Perils” physical damage insurance coverage for scooters up to and including 400cc

Important note: Third Party Liability is a legal requirement and must be purchased separately through ICBC.

 Motorcycle

These are some of the features that make our Motorcycle Program a favourite with BC's riders:

• We offer a combination of on-road and storage coverage. The policy automatically takes into consideration the seasonal use of motorcycles, so we don’t restrict your on-road use to a certain period of time
• “All Perils” annual combined coverage (Collision & Comprehensive combined)
• Policies are written on an Agreed Value basis
• A variety of deductible options
• One claim forgiveness (no rating penalty)
• Emergency roadside assistance up to a maximum of $100 per occurrence, with no deductible

The Motorcycle policy includes:

• Travel Protection when travelling outside your city of residence
  • $500 additional living expenses in the event of loss or damage from an insured peril
  • $1500 to bring a damaged or recovered stolen vehicle back home
  • $1500 of travel expenses to return home
  • $500 replacement vehicle expenses
• Lock re-keying- if keys are stolen, with no deductible
• The policy coverage will extend to trailers towed by your motorcycle and attached accessories, provided they are included in the declared value
• Up to $1000 of riding gear coverage is included (additional limits available upon request)
•  

 Low Displacement

We recognize that motorcycles with small engine displacement are not only easy on the environment, but are also a safe, reliable alternative for new riders. We will consider applicants as young as 18 years old for motorcycles 400 cc's and under. Features are the same as described above in the Motorcycle Program, but we also include reduced deductibles of either $500 or $250 depending on the make and model of the bike.

 Optional Coverage

Our New Touring package is designed to protect the ride not just your bike. The first optional coverage of its kind available to BC's Motorcycle enthusiasts offered exclusively by Megson FitzPatrick.

What's Included?

Protection in the event of a physical damage claim or if you are medically unable to ride while traveling outside your city of residence:

• $1,000 additional living expenses
• $3,000 to return your bike back to your city of residence
• $1,500 travel expenses to return home
• $200 emergency roadside assistance
• $500 replacement vehicle expenses for rented or borrowed automobile

-Call 1.888.595.5212 to have it added to your policy

 Scooter

We created our scooter program with our clients’ needs in mind. Some of the available features include:

• A combination of both on-road and storage coverage. The policy automatically takes into consideration the seasonal use of scooters, so we don’t restrict your on-road use to a certain period of time
• “All Perils” annual combined coverage (Collision & Comprehensive combined)
• Policies are written on an Agreed Value basis
• Deductible options of $250 or $500
• One claim forgiveness (no rating penalty)
• Emergency roadside assistance up to a maximum of $100 per occurrence, with no deductible

The Scooter policy includes:

• Lock re-keying- if keys are stolen, with no deductible
• Unlimited use to or from work or school
• Up to $1000 of riding gear coverage is included (additional limits available upon request)

Printable Applications (PDF): 

Motorcycle/Scooter Application
Insurance Brokers Only