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Why this product?

Eligibility

Held a driver’s license for 10 years or held a driver’s license for five years and taken a recognized safety course. Applicants as young as 18 years with a motorcycle under 400cc’s may qualify for our “Low Displacement Program.”

Program Features

  • “All Perils” coverage (Collision and Comprehensive);
  • Policy written on “Agreed Value” basis;
  • One claim forgiveness, no rating penalty;
  • Monthly financing available, minimum premiums of $250;
  • Covers the motorcycle while on the road or in storage with no date restrictions for the on-road usage;
  • The policy is written on an annual basis, but can be cancelled if the bike is sold.

Standard Benefits

Travel protection 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 stolen motorcycle;
  • $1,500 travel expenses to return home;
  • $500 vehicle replacement expenses.

*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 $1,000 for motorcycle riding gear (basis of settlement is replacement cost; higher limits are available upon request);
  • Up to $1,000 for 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 you city of residence;
  • $1,500 travel expenses to return home;
  • $200 emergency roadside assistance;
  • $500 replacement vehicle expenses for rented or borrowed automobile.

Find Motorcycle Insurance Suited to You

Here at Megson FitzPatrick, we recognize that driving styles and equipment are different from rider to rider. That’s 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’s 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 easy as possible.

Get Peace of Mind with Motorcycle Insurance

B.C is a popular motorcycle touring location, and biking is one of the best ways to experience the rugged beauty of the province. There’s 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’s our passion to ensure that you get the motorcycle coverage you need. 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’re here to guarantee you get the best coverage for you and your bike.

Motorcycle Insurance Coverage Options

When it comes to insuring your treasured bike, you need to consider both the extent of your coverage and its price. With a customizable policy plan, you can be comforted by the fact that you won’t have to pay for any unnecessary expenses. Our insurance brokers will be able to discuss what coverage options are available to you while keeping your budget in mind. Here is a list of options you can get coverage for:

  • Roadside assistance
  • Personal riding-related gear lost in an accident
  • Modifications or accessories that you have installed on your bike
  • Vacation expenses if you make a claim while you are on vacation
  • The basic coverage –collision, comprehensive, and storage time.
    • Collision – covers collision damage to your bike.
    • Comprehensive – covers other types of damage to your bike, such as vandalism or fire.
    • Storage Time – protection for when your bike is not being regularly used.

Best Motorcycle Insurance Quotes

There are a lot factors that go into determining what your motorcycle insurance rates will be. It is important that you understand what these factors are so that you know whether or not you’re getting the best protection for the right price. Our insurance brokers can help you out if you’re having trouble. Here are some of the factors that contribute to determining your motorcycle insurance rates:

  • What type of motorcycle you ride
  • The make of your motorcycle
  • What area you live in
  • Your motorcycle driving record
  • Your insurance and claims history
  • Your motorcycle coverage options

Why Motorcycle Insurance?

Whether it’s your first time buying coverage for a new motorcycle or you are looking to renew your current motorcycle insurance, you should be conscious of what your policy includes.  If you are having trouble, a broker is always available to help go over the details of your insurance. They can review the fine print with you.

Motorcycle insurance is important because it guarantees bike riders a financial security net if their vehicle is damaged or destroyed. Motorcycle insurance also helps to protect riders from major costs in the event of a potential future loss. After all, it’s a small cost in exchange for peace of mind. If the unthinkable happens, you want to know you’re properly insured.

Motorcycle Safety Tips

The best means to getting cheaper motorcycle insurance rates is by practicing safe riding. One way to get discounts on your insurance rates, particularly if you’re a new rider, is by taking a motorcycle training course. This can help set you up with good habits from the get-go as well, and lessen your overall risk of being involved in an accident or a collision. Maintaining a good driving record is a sure-fire way to ensuring that you’re in the best possible standing for when it comes to your insurance. Here are some ways for you to keep safe while riding your bike:

  • Wear the right gear. Protective gear, a helmet and face shield (or protective eyewear) and reflective equipment so that drivers can see you easily are necessities for safe driving. Gloves and boots with non-skid soles are also useful to protect you from injuries.
  • Obey the traffic rules. Acclimate yourself to the traffic rules where you live and be conscious of speed limits. Moreover, new riders should be aware of how riding a motorbike can be different from driving a car on B.C. roads.
  • Drive sober, aware and awake. Fatigue is just as bad when it comes to impairing your ability to make proper decisions as drunk driving. Make sure that you are sober and well rested for when you hit the road to reduce risk to yourself and others.
  • Maintain proper upkeep of your bike. Check your tires regularly, test to see if your lights are fully functional, and assess your hydraulic and coolant flaunts as often as possible. You should ensure your brakes, horn, clutch and mirrors are fully functional prior to riding. This lessens your risk of motorcycle breakdown while on the road.

We Provide Motorcycle Insurance to These Communities

  • Abbotsford
  • Aldergrove
  • Burnaby
  • Burnaby
  • Campbell River
  • Chilliwack
  • Colwood
  • Coquitlam
  • Cordova Bay
  • Courtenay
  • Cranbrook
  • Dawson Creek
  • Duncan
  • Esquimalt
  • Fernie
  • Fort St. John
  • Kamloops
  • Kelowna
  • Ladner
  • Langford
  • McKenzie
  • Mission
  • Nanaimo
  • Oak Bay
  • Osoyoos
  • Parksville
  • Peachland
  • Penticton
  • Port Alberni
  • Powell River
  • Prince George
  • Prince Rupert
  • Quesnel
  • Redbrick
  • Saanich
  • Salmon Arm
  • Shelbourne
  • Sidney
  • Sooke
  • Squamish
  • Surrey
  • Terrace
  • Trail-Fruitvale
  • Tsawwassen
  • Uptown
  • Vancouver
  • Vernon
  • Victoria
  • View Royal
  • Whistler
  • White Rock
  • Wilson
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Payment

Credit card payments can be made by Visa or MasterCard on policies on One Pay or Three Pay plans. Please note at this time, credit card payment is not available on monthly paid policies.

By clicking on this link you can either: https://apps.intactinsurance.com/on/secure/payment-british-columbia.html

  • Make a one-time payment of your premium currently owing on your policy;

OR

  • Register your credit card, where any current or future premiums owing will be automatically charged to your card on the payment due date.

IMPORTANT NOTE: When inputting your policy number, do not use spaces and add a “3” as your last digit. For example, policy number is 7v9241339, input 7v92413393.

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