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Vancouver Motorcycle Insurance

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Motorcycle Insurance Vancouver - Get Covered & Ride Free!

The opportunities for motorcyclists in Vancouver, British Columbia are boundless. If you are a seasoned rider, however, you know that operating a motorcycle comes with its own set of unique risks. In order to sufficiently protect both you and your treasured investment, you will need to equip yourself with the right motorcycle insurance. Vancouver residents, whether this is your first time owning a bike, you are purchasing a new one, or you are looking for a new policy, should know just how important enough protection is in order to effectively safeguard their ride. After all, what would you do if something were to happen to your bike, such as if it were involved in a collision with another vehicle or object? What if it was damaged, stolen or vandalized? Your Vancouver motorcycle insurance policy has the potential to offer liability coverage as well, in case you were involved in an incident where you were held liable for damaging someone else’s property or causing injury to a third party.

Not only can motorcycle insurance protect your bike, but it can also give you peace of mind knowing you’re covered in case of an accident. Consider enrolling in a motorcycle safety course offered by the Motorcycle Foundation of Canada to potentially reduce your insurance costs and become a safer rider.

Megson FitzPatrick is looking forward to working with our friends in the city of Vancouver as well as a multitude of other branches that we provide service to throughout the province of British Columbia. We want to guarantee that your bike is properly protected, no matter what its usage is. Do you race? Use your bike for leisure? Is it simply a way to get about? Whatever your circumstances, our risk management and insurance solutions are sure to benefit you and help provide you with peace of mind. As a leading provider of insurance in British Columbia, Megson FitzPatrick is guaranteed to look after you so that you can hit the open road without ever needing to ask yourself “what if?”

Acquire a free Vancouver motorcycle insurance quote today online for free with Megson FitzPatrick. You can see how easy quality insurance can be in only a couple of clicks.

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Do I Really Need Motorcycle Insurance in Vancouver?

Motorcycle insurance in British Columbia is mandatory and you are required to purchase a specified base minimum of coverage in order to operate your bike. Additionally, it is always recommended that you acquire a sufficient amount of protection in order to ensure that you are in a good place should anything unfortunate happen to you and your bike. No matter how prepared we are for these kinds of incidents, things do happen. It is for your benefit that you can assure you are in the best possible standings to spring back from a loss.

Since motorcycles tend to be difficult to spot on the road due to their small size and can change direction on a dime, they can be unpredictable. Consequently, motorcyclists experience a unique set of risks while on the road and cannot reap the same benefit of certain safety features that most cars can. Megson FitzPatrick’s expert team suggests that you purchase an adequate amount of insurance in order to protect your bike from all the possible ways you choose to use it. We can provide you with a free Vancouver motorcycle insurance quote so that you can see just how good our coverage can be.

What Details Impact the Cost of My Vancouver Motorcycle Insurance?

There are a number of details that factor into the overall cost of motorcycle insurance in Vancouver. This also varies based on the provider that you are working with. Keep in mind, of course, that if you are used to paying car insurance costs you might be surprised with how much the price of motorcycle insurance in Vancouver can vary. Your provider will need to take into account all the different things you are exposed to as a rider, such as how easy bikes are to thieve, the general fact that accidents involving motorcycles tend to result in more serious injuries, how difficult motorcyclists are to spot on the road by other drivers during low visibility hours, and more. When you are searching around for a motorcycle insurance quote in Vancouver, there are a few factors you will need to keep in mind that may impact the costs of your insurance overall:

  • What kind of motorcycle it is that you operate, how old it is, and its model. Newer, more expensive bikes will be more costly to repair and your insurance rates will likely reflect this.
  • What you use your bike for. Whether your bike is simply a means to get around, used for work purposes, leisure, racing, etc. will be considered when determining your insurance rates.
  • How much experience you have with your motorcycle. Evidently, newer drivers may see higher rates but can mitigate that surge in costs by taking a motorcycle driving course. This will help manage your expenses and also keep you safer on the road.
  • The types of coverage you choose to include in your Vancouver motorcycle insurance policy. The more protection you purchase the higher your rates will be.

Your costs can be managed most effectively when you work with a Vancouver motorcycle insurance broker from Megson FitzPatrick. Our team of experts is willing to work directly with you in order to help provide you with solutions that can effectively manage any unique exposures you face.

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What is Covered by My Vancouver Motorcycle Insurance?

A typical Vancouver motorcycle insurance policy is likely to include coverage for much of the costs pertaining to damage that is caused to your bike in an accident, collision, or from vandalism or theft. In addition, your policy may provide reimbursement for any liability expenses you incur as a result of third party bodily injury or damage done to another person’s property. However, it is always safe to discuss first with your broker what exactly your policy includes.

Below, we have provided a list of what is generally included in your average Vancouver motorcycle insurance policy:


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Accident Benefits

For any injuries you or your passengers have sustained while in a collision or an accident.

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Replacement Costs

The cost to replace your bike should it be written off entirely in an unforeseen event.

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Uninsured Motorist Coverage

For incidents involving other parties who are either uninsured or underinsured.

As always, discuss with your broker about what is covered in your policy. They will be able to provide further insight as to what coverage you need and what you don’t so that you get the best protection for your money.

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Having the right motorcycle insurance protects you financially in case of an accident. But navigating a claim can be stressful. Megson FitzPatrick has dedicated claims professionals to help! Get in touch today to discuss your motorcycle insurance options and learn more.


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