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Motorcycle Insurance for British Columbians.

The Importance of Motorcycle Insurance in British Columbia 

In British Columbia, it is the law to have motorcycle insurance. When spring this, it’s time to get your motorcycle back on the road – but not before you get insured. 

According to the Motor Vehicle Act (MVA), you are required to have liability insurance for any vehicle that you drive on public roads and highways. This includes motorcycles, scooters, and mopeds. 

Did you know that in BC, you can be fined up to $500 if you do not have motorcycle insurance? If this happens then it will be your responsibility to pay the fine – and be properly insured the next time you’re on the road. 

Why Get Motorcycle Insurance in BC? 

BC is a popular motorcycle touring location, and motorcycles are one of the best ways to experience the rugged beauty of the province. There is no doubt that motorcycling is a pastime that comes at a cost, and we know that your bike’s protection matters. After all, it’s a passion for you – and it is our passion to ensure that you get the motorcycle coverage you need. 

Practicing motorcycle safety is one thing, but accidents still happen. Motorcycle insurance can help protect you financially and it is also required by the province. If your motorcycle is financed, your lender may also require coverage. 

Eligibility for BC Motorcycle Insurance 

To qualify for Megson FitzPatrick’s insurance program, a driver must have held a driver’s license for 10 years or held a driver’s license for five years and taken a recognized safety course. For mandatory public motorcycle insurance,  

BC motorcycle insurance can include anything with an engine over 50cc and it can be a two tandem or three wheels. Mopeds and scooters can also be included. 

Applicants as young as 18 years with a motorcycle under 400cc may qualify for our “Low Displacement Program.” 

What Does BC Motorcycle Insurance Cover? 

  • “All Perils” coverage (Collision and Comprehensive) 
  • Policy written on “Agreed Value” basis 
  • One claim forgiveness, no rating penalty 
  • Monthly financing available, minimum premiums of $300 
  • Covers the motorcycle while on the road or in storage with no date restrictions for the on-road usage 

The policy is written annually but can be canceled if the bike is sold. 

Standard Benefits for BC Motorcycle Insurance 

This includes travel protection with your motorcycle insurance policy in the event of loss or damage from an insured peril when traveling outside of your city of residence. 

$500 additional living expenses 

$1,500 to return a damaged or recovered a stolen motorcycle 

$1,500 travel expenses to return home 

$500 loss of use coverage 

*Please note, Third Party Legal Liability Coverage must be purchased from ICBC. 

Additional Standard Benefits 

  • Lock re-keying, if keys are stolen (no deductible) 
  • Emergency road-service coverage up to a maximum of $100 per occurrence (no deductible) 
  • Up to $3,000 for motorcycle riding gear (the basis of settlement is replacement cost; higher limits are available upon request) 
  • Up to $1,000 for a trailer towed by bike 
  • Includes unlimited use to and from work or school 
  • Policy coverage will extend to attached accessories, provided they are included with the agreed value 

Touring Package (Optional Coverage) 

Protection in the event of a physical damage claim, or if you are medically unable to ride while traveling outside of 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 loss of use coverage 

Find Motorcycle Insurance Suited to You 

Here at Megson FitzPatrick, we recognize that driving styles and equipment are different from rider to rider. That is why we offer motorcycle insurance that is tailored to suit you and your motorcycle needs and strive to help protect every type of rider that there is. Our coverage and packages guarantee that you have the best protection when riding. 

Our brokers can provide you with a quick motorcycle insurance quote to help get you protected as soon and as easily as possible. 


How Much Does Motorcycle Insurance in British Columbia Cost? 

The average cost of motorcycle insurance is generally less than automobile insurance, but the price can vary depending on several variables. The cost of coverage varies depending on your location, the distance you drive your motorcycle, and your personal demographics. 

The following factors will impact your premiums: 

  • Number of years you have been licensed 
  • Make, model, and value of the bike 
  • Coverage options 
  • Deductible amount 
  • Your insurance history 

Megson FitzPatrick can help you find cheap BC motorcycle insurance easier. Ask us about our personal insurance offerings or get a free motorcycle insurance quote today. 

Get Peace of Mind with Motorcycle Insurance 

We are staffed with knowledgeable and friendly motorcycle insurance brokers who can put your mind at ease when it comes to your bike’s insurance. 

Contact our insurance brokers to get started and find out what coverage is offered for you.  

At Megson FitzPatrick, our brokers are always available to answer any insurance-related questions you might have and tell you about what discounts you may be eligible for.  

We are here to guarantee you get the best motorcycle insurance coverage for you and your bike. 

Young handsome male biker preparing to ride.


Is motorcycle insurance in BC mandatory? 

Yes, it is mandatory for all motorcyclists in BC to have ICBC basic motorcycle insurance in BC which covers third-party liability, accident benefits, and uninsured motorist protection. 

Do you need a license to insure a motorcycle in BC? 

For Megson FitzPatrick’s program, drivers in British Columbia must have held a license for 10 years or for 5 with a recognized safety course to obtain insurance. ICBC, which offers mandatory insurance, has no such requirements, and you only need to have a valid motorcycle driver’s license. 

Can I ride a motorcycle with car insurance in British Columbia? 

You can only ride a 125cc scooter or motorbike off-road if you have a full car license. 

Can you buy a motorcycle without a license in BC? 

There is no license requirement in BC to be able to purchase a motorcycle, only for driving it. 

What motorcycle has the cheapest insurance? 

The cost of insurance relies on things more than the model, but certain models have less of a risk factor and therefore are cheaper to insure such as the Royal Enfield or Harley-Davidson. 

Areas We Serve

  • Abbotsford
  • Aldergrove
  • Burnaby
  • Campbell River
  • Castlegar
  • Chilliwack
  • Colwood
  • Coquitlam
  • Cordova Bay
  • Courtenay
  • Cranbrook
  • Dawson Creek
  • Duncan
  • Esquimalt
  • Fernie
  • Fort St. John
  • Gibsons
  • Gulf Islands
  • Kamloops
  • Kelowna
  • Ladner
  • Ladysmith
  • Langford
  • Langley
  • Mission
  • Nanaimo
  • Nelson
  • Oak Bay
  • Osoyoos
  • Parksville
  • Peachland
  • Penticton
  • Port Alberni
  • Powell River
  • Prince George
  • Prince Rupert
  • Quesnel
  • Richmond
  • Saanich
  • Salmon Arm
  • Sechelt
  • Sidney
  • Sooke
  • Squamish
  • Summerland
  • Surrey
  • Terrace
  • Trail-Fruitvale
  • Tsawwassen
  • Uptown
  • Vancouver
  • Vernon
  • Victoria
  • View Royal
  • Whistler
  • White Rock
  • Williams Lake

Customer Testimonials

We are often too quick to criticize when things go wrong and too slow to show appreciation when things go right. I have been insuring my (now five) motorcycles with your company for 10 years. Furthermore, I have been purchasing insurance for various machines, including commercial aircraft, for more than 50 years. I know insurance companies. Since my relationship with Megson FitzPatrick began my agent has been Chris Murphy. I cannot speak too highly of the friendly, competent, timely service Chris has given me over the years. While discounts are always appreciated, that is not why I moved from Beacon to your company. Christopher Murphy is the reason I am with your company.

I actually live on the mainland but often visit the island. Any time I can I try and insure my vehicle here instead of anywhere else. I have had great experiences with the employees here. Vicky Bui helped me this time when I went in. She was polite, knowledgeable, and answered all my questions. Helped me to insure my vehicle as fast and pain-free as possible. I highly recommend getting your insurance here.

I’ve had a couple bikes insured with Megson FitzPatrick and each time I’ve had to call their support centre; either for an insurance transfer, or simply to purchase or end insurance, they have been quick, simple and very friendly. Their staff know what they are talking about and they offer solid motorcycle insurance for the year at very good/competitive rates.

I came into the office on Shelbourne today and Shelly Parussini helped me get tenant insurance. I found her to be professional, efficient, warm and supportive. She went the extra mile and I so appreciate her kindness during this difficult time in my life.

Fast and efficient. Good service in the time of COVID.

Very quick an agent was able to answer all questions we had!

Awesome! I could renew my insurance over the phone. Mailed my tags within days. Very happy with the service.

I wanted to write in and say what a wonderful appointment I had today in your office. The staff were very helpful. I was one of those long and arduous “transfer from out of province “ appointments lol. My insurance person Michael? Was very kind and patient. I’m ever so glad I chose you as my insurance folks and will highly recommend you to everyone- I do a lot of talking! Thank- you for making what would normally be a chore into a very lovely experience!

Made an appointment for auto-renewal. Promptly at time of appointment, agent met me at front door and all covid-19 policies were in place. The service to renew this insurance was quick and professional. Always great service at this location.

I am writing to express my appreciation for the service that I received on July 14. My requirement was to change some details of the coverage on one of my vehicles. The first issue that I found which warrants a compliment was the efficiency of the process for making the change. It was extraordinarily fast and easy. The second issue was the service provided by Jackie Brown. She provided excellent help in a very cordial manner and this also merits recognition. So, thank you for the service.

Megson FitzPatrick at Shelbourne is the best Insurance agent around. Super friendly and helpful staff. The car ownership transfer is done in no time. I tried ICBC at Hillside the day before but they have too many reasons not to provide a service (like “appointment only” and they were very close to store closing so they said that “will not have enough time for that”.

I am writing to express my appreciation for the excellent customer service I received when renewing my auto insurance this past Monday evening from Katarina Reid. She was so very helpful and her calm, patient, professional manner was a great help to me when my frustration of dealing with another company had reached its limit. Katarina is a true asset to your firm, and I won’t hesitate in recommending Megson Fitzpatrick in future.

Very helpful through a challenging vehicle transfer.

My go-to office for all insurance needs. Courteous, helpful staff are always ready and have innovated a safe, practical approach for customer service during these pandemic times.

I had a really good experience. They were nice, clear, and fast.

Auto Insurance renewal. In and out in about 15 minutes.

Great staff, very fast and helpful.

Simple. Great price for motorcycle insurance, including multi-bike discount.

Excellent Service! No waiting! Strict COVID-19 protocol enforced, Great Walker / Wheelchair access. Friendly super helpful and efficient Staff Members who really Smile! They are soo fast, and our Business only took 20 mins! The BEST Insurance service, compared to Coast capital, who always have lineups, eat at their desks, and seem miserable. We Love Megan Fitzpatrick!

Excellent service, would recommend to anyone.

Dear sir/madam, I was recently at your office needing auto insurance updating and I had the pleasure of being served by Mr. Michael Chaves. Having recently lost my Spouse of several years to a traumatic massive stroke, I was needing name changes on our automobile ownership, a new policy solely under my name and new licence plates. As you may imagine, this was a very difficult appointment for me. Unfortunately I brought some of the wrong papers for the work to be done. Mr. Chaves didn’t give up on me, and found the papers I needed in my file, processed them and made everything right for me. I am also very hard of hearing and again Mr. Chaves was patient even to the point of writing the needed requests for me to understand the process if necessary. He also offered to help me change my licence plates. With such superlative service I wanted to give Mr Chaves a cash token of my appreciation. He graciously declined and kindly told me he felt honoured to have helped me and expressed sorrow for my loss. Mr. Chaves is a wonderful credit to your company. Having our house insurance with your company as well, there has only been the best service I can imagine from your employees over the years. But this was a huge leap and I cannot express enough how Mr. Chaves’ kindness, thoroughness and patience saved me the grief of having to search for, and revisit this painful appointment. I want you to know what an exemplary employee you are so fortunate to have. Mr. Chaves is a wonderful addition to the Megson FitzPatrick family. Thank you for your time.

Jackie Brown went above and beyond with my recent provincial import of a 1981 Toyota Land Cruiser. She was friendly, personable, and professional. Jackie explained the process very well and was patient and helpful with me through the course of my 4 phone calls regarding the transaction. My visit to your uptown location was great Jackie and staff were very friendly, prompt and attentive.

I wanted to take the time (which is precious as I am extremely busy) to say I was so impressed by the service I received from my new account manager Martha Mena in your Victoria Branch – for our home insurance renewal. While I have been with MF for some time and receive decent service in the past, Martha was exceptional. As someone who manages staff, I found she has that customer service quality that is hard to find today. Martha is engaged, informative, professional and very personable. I am writing this as I hope this would go into her HR file and be part of any future performance review or performance feedback as this type of service needs to be recognized. I also compliment anyone who is managing Martha or did the hire as they saw success and acted on it…congrats as I know from experience that isn’t always easy to do. I called with a concern and left as a more committed customer to MF because I could tell we are in good hands.

My last stop after a long day of work today was to pick up my new license plates at Megson Fitzpatrick. It ended up being the highlight of my day. Natalie Willock was kind and professional when she greeted me. She was so organized and made the logistics of covid precautions feel easy breezy. I can’t remember the name of the woman who helped me with my car insurance and I can’t recognize her on any pictures on your website, but she was the absolute best. She was efficient, knowledgeable and went above and beyond. She was thorough in explaining all of the changes to my insurance charges and we celebrated that I was now paying Island prices instead of Vancouver prices! I was excited to pick up my new colourful plates with the little bear on them and she emphatically shared in the excitement with me. We even did a brief Wikipedia search about the Kermode bears. She helped me pick out tools to replace my plates and provided zip-ties when my car’s hardware was too old to reuse. She was honestly just so pleasant and she deserves to be recognized for the wonderful person and employee that she is. If there is any way to find out who she was through my information, here it is: I was insuring a 2002 Nissan Pathfinder with new plates PF787A and I had my walk-in appointment at 3:30 on April 14, 2021. I think her desk was the second one in to the left. If that helps identify the perfect unicorn that provided my insurance, please give her a big thumbs up. Who knew a quick stopover to pick up car insurance could be so fun? Your team is respectful, professional, and an absolute delight. Your hiring manager probably also deserves a pat on the back for hiring such great people.

Sincere thanks for all of your assistance today. We are looking forward to working with you. Anna, sincere thanks to you for the amazing service you have provided to us over the past 3 1/2 years. We feel so fortunate that you answered the telephone when we called inquiring about vehicle insurance. You have provided outstanding and professional service during every encounter. You were very proactive with us as policies were coming up for renewal. Also, you remembered our home insurance was coming up for renewal and introduced us to Melissa. Like you, Melissa was extremely well prepared leading to the two of you taking over our home insurance. Have a wonderful evening and a fantastic week everyone!

Fantastic as always. Never had an unprofessional or unfriendly experience.

Always great to deal with. Thanks for your assistance.

Very pleased with the service provided. The online appointment was easy to make. The reception at your office was prompt and courteous. The renewal was handled efficiently.

It was very, very pleasant and there was a young gentleman named Michael who look after me He was very pleasant and very methodical and checked all his calculations over. I have been dealing with Megson FitzPatrick for many yrs and have always had a pleasant experience. Sorry, I don’t know Michaels last name but I did ask him for his business card and he said he hasn’t got business cards as yet but that will happen. He is fairly new there I gather. Michael is a keeper in my books for Megson FitzPatrick Insurance. Thanks a bunch Again, I would have Michael in my employ anytime if I were employing.

I came in today with what I thought was a simple insurance purchase, however, it quickly turned into quite the ordeal because I came from out of province and have a leased vehicle. The lady that helped me, I believe her name was Vicki, she was sitting at the first desk on the left. She was absolutely wonderful and handled everything smoothly. She explained everything very well and made sure she had covered all the steps thoroughly. Just wanted to let someone know, it was a very long but pleasant experience thanks to her.

Super pleased with the coverage and the service Megson FitzPatrick has offered over the last little while. I will definitely recommend you to anyone looking for Insurance! 🙂

You guys are great, you are very well organized and geographically easy to get to at Uptown. We have 5 vehicles in our family and all are insured thru you. I was particularly happy that today you had a replacement veteran plate in stock to replace the one I had stolen recently. Fantastic job you do.

Hello! I had to come in to the Uptown office on Monday to cancel my insurance and was very happy how quick and courteous the staff was! They’ve always been very nice and pleasant to deal with. Thanks as always! I definitely plan on choosing you guys again when I get another vehicle. Thanks,

Great, Quick, friendly, clear service.

I just returned from your Victoria Uptown location and as every time I’ve been there the customer service has been excellent! Everyone I’ve been dealing with at MF during repeat visits over the past year has been extremely friendly and knowledgeable. I also appreciate the office’s Covid policies in place to keep everyone safe. I’m lucky to have such as friendly and competent insurance broker in my neighbourhood.

Apologies as this is slow…but believe when you are treated with exceptional charm, wit , good humour and professionalism you should share! I had the good fortune of renewing my car insurance with the vivacious Ms Jackie Brown at the Uptown locale… this woman is exceptional, and so kind and easy going…actually made the process of insurance renewal at Christmas, during a pandemic a breeze…. thank you Ms Jackie… you are an asset to the business and keep on keeping on…

WOW! Blown Away! HUGE S/O to Jackie Brown/Auto Acct. Mngr at @MFIVictoria. Her prompt cheerful helpful efficient service is rare and #MadeMyDay and made me #CustomerForLife of this #YYJ company. Highly recommend to anyone in #Victoria. Thx Jackie <3

Hi There, my wife and I were in for an auto-renewal appointment at 0915am this morning (Dec 15). We were at the Shelbourne St office. The customer service agent that dealt with us was very nice, professional, knowledgeable and patient. It was very easy to interact with her. Please pass on our thanks to her and let her supervisor know how lovely our experience was with her today. In this day and age it seems like the only time people contact a business is when they are dissatisfied. We were very satisfied with the customer service today and your employee deserves thanks and appreciation for that.

We were very pleased with the agent who processed the Vehicle registration renewal. Likewise, my husband and I were impressed with Shelley Parussini who explained the details of our B.C. home insurance in a clear and easy-to-understand fashion.

I was in this morning re autoplan renewal. Jacklyn helped me out today and the last couple of times I have come in. Jacklyn is very knowledgeable and pleasant. I used to be all BCAA however am now transitioning to MF. One of the main reasons for this is your customer service. Fantastic! I will also add that your online appointment system is very convenient.

the blue, someone named Samantha Rankin who works for Megson Fitzpatrick reached out and asked if I knew that my good credit score could help me get lower rates on my insurance. I. WAS. FLOORED. My most common experience in getting better rates normally involves threatening my mobile provider / internet provider that I’m moving my business. Then they miraculously find me a better rate with more features. It always comes down to thinly veiled threats. I can’t tell you how nice it was to have Ms. Rankin tell me I could get lower rates, and that she would handle all the work. This is how great brands are built. Give her a raise!

I had two appointments with your staff. One was over the phone to renew our vehicle insurance and the other was in-person to transfer a travel trailer into our name and insure it. Both staff were absolutely lovely to deal with, the length of the appointments were great and any questions or concerns I had were answered. Very good experience!!

Just wanted to follow up with my appointment today at the Uptown Centre in Victoria BC. Was greeted at the door by [Vicky] very pleasantly. Proceeded on to my appointment with [Hayley] to transfer a vehicle into my name and buy insurance. Just wanted to pass on the excellent service I received and how easy and pleasant the process was. Would highly recommend Haley and your company to my friends.

I was just at your office this afternoon and received excellent service! Katrina was amazing and very patient with me. I had two vehicles that I needed to register and insure in B.C from Alberta. She explained very clearly all the differences between provinces and helped me in deciding what to insure! I will without question recommended Megson Fitzpatrick as all staff seem extremely helpful and professional! It is very difficult these days with covid to been seen without an appointment but Sheila manage to accommodate me and explain what documentation I needed when I came back to the office. Thanks to both ladies as moving is stressful enough!

The lovely person who helped me was named Jaclyn at the Shelbourne branch. She was an absolute pleasure to work with! 10/10

Awesome service and the agent was very knowledgeable and helpful.You got me as a customer. Thank you!

I received excellent service when I went to my appointment. Your representative was awesome and informative.

I wanted to pass along how wonderful your staff is. From the receptionist to Jackie Brown, who renewed my insurance, your staff was helpful, friendly and I felt very safe. Jackie was particularly friendly and lovely to deal with. Thanks for the wonderful service in such odd times. Being able to make an appointment was so helpful as well.

We were very impressed with your service. The agent was delightful, knowledgeable and very sweet. Thank you.

I’m sorry that I missed the young ladies name who I met with but her service was EXCELLENT! Fast, friendly, efficient with a great sense of humour (much needed in these times). I also felt completely safe. Thanks so much for your help in renewing my car insurance. I highly recommend Megson to all my friends and family……always. Keep up the great work!

Yesterday [June 18, 2020], I had the delightful experience to (remotely) renew my auto insurance with Hayley Zedel. She was most helpful in her kind and knowledgeable manner. Your company is very fortunate to have her as a very thoughtful and pleasant staff member.

Very helpful. They take the time to answer all your questions. Highly recommended. You might be on hold for a while during this COVID situation, but they’re very helpful once they answer your call. Call to see if they’re able to register new plates, they have been working towards being able to do this for you.

I am new to BC, with that being said the insurance is so different here. They went through everything in detail with me and made me feel a little more comfortable understanding insurance here. Thank you for that.

Have dealt with MFI on several occasions recently and have been very satisfied with my experience. Kim Tucson has been extremely helpful and professional. Many thanks.

We’ve dealt with Megson FitzPatrick for home insurance for several years. We’ve always experienced prompt service and the agents are very knowledgeable and helpful.

I would like to take this time to acknowledge Sheila Ciesek for her excellent customer service. She was very friendly, polite and professional and helped me insure 4 trucks. I called into today to insure a trailer and was lucky enough to get her again. She is the reason we will do our truck and trailer insurance with your company. As an office manager for a small company, I appreciate people like her with her skill set. She is an asset to your company and I hope we still have the option of doing the insuring over the phone.

The multiple Megson Fitzpatrick locations across the city make obtaining insurance easy. But my preference for the company goes beyond that simple convenience. Time again, my experience with the staff is top-notch. They are knowledgeable, kind, and genuinely enjoy a good conversation. Everytime I enter and exit a Megson Fitzpatrick store, it’s all smiles.

I am writing to give credit to Cassie at the Uptown location for her tremendous and efficient service last month. I was on a tight timeline, and needed to re-insure two vehicles, and change a policy significantly, and was feeling stressed. Cassie quickly took care of everything, answered all of my questions, and was courteous as all get out. Thanks, Cassie!

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