You need this coverage to legally ride your motorcycle on Ontario’s roads. Essential coverage is always included in your Desjardins motorcycle insurance policy.
Third Party Liability
This covers your liability if you’re involved in an accident that injures other people or damages someone else’s property.
By law, you need to be insured for a minimum of $200,000, but we recommend you have at least $1 million in liability coverage.
If you’re injured in an accident, this helps cover things like medical treatment, rehabilitation, attendant care and loss of income.
You can choose to increase your Accident Benefits coverage to cover more of your costs and lost income.
Uninsured Automobile Coverage
This protects your motorcycle if you’re involved in an accident caused by another driver who isn’t insured. It includes damage caused by a hit-and-run driver.
Direct Compensation Property Damage
This coverage means you’ll always deal with your own insurer in the event of an accident, no matter who’s at fault.
Standard coverage options
Many people choose options that cover damage to their motorcycle. Also, if you’ve leased or financed your bike, the leasing or financing company will ask for proof that this coverage is on your policy.
Collision or Upset
Covers damage to your motorbike if you’re at fault in an accident with another vehicle or if you have a collision with a person, animal or object. You’re also covered if your bike is damaged in a rollover accident.
This covers your motorbike against loss or damage caused by other events like fire, theft or vandalism. It also protects your bike if it’s damaged by severe weather like flooding, hail or windstorms.
Added protection for you and your family
This coverage is included in all our motorcycle insurance policies
This protection offers you extra coverage if you or your family are injured or killed in an accident caused by an uninsured or underinsured motorist.
The coverage is the difference between your Family Protection limit, shown in your insurance policy, and the other driver’s liability insurance coverage.
Example: Robert was involved in an automobile accident that caused $800,000 in damages. John, the driver responsible for the accident, was covered up to $500,000. Fortunately, Robert had added $1 million in Family Protection coverage to his policy, which covered the $300,000 difference between the damages and the at-fault driver’s coverage.
More options for extra peace of mind
This option provides coverage for transportation replacement costs if your motorcycle isn’t roadworthy after an accident that’s covered by your policy.
You can get reimbursed for:
- A rental vehicle so you can get around
- Taxi or public transit fare while your motorcycle is being repaired or replaced
This coverage means you’ll have no deductible to pay when you make a claim for theft, vandalism or an at-fault accident.
Accident free protection
With this coverage your premium won’t increase after your first at-fault accident, for as long as Accident-Free Protection remains on your policy.
The information provided on this page is meant for informational purposes only. Full details regarding coverage and exclusions can be found in the insurance policy, which always prevails. Certain conditions, limitations and exclusions may apply.