It may be a not so spring month outside right now with all this unexpected snow, but nonetheless, soon enough the warmer temperatures will arrive and spring will officially take shape. With the arrival of the new season also comes the arrival of outdoor play and adventure. If you are a motorcycle enthusiast, chances are you cannot wait for this snow to disappear so you can get riding a sunny afternoon! Whether you are a new or experienced rider, there is the important issue of insurance to keep in mind.
At Will Marshall Insurance in Orillia, we want to do our best to protect clients in all aspects of your property; ensuring you have the proper coverage for your motorcycle is simply critical if you’ll be out on the open road in just a few short weeks! (Hopefully)
So what should you know in relation to motorcycle insurance?
First of all, this type of insurance is mandatory in Ontario. It may go without saying, but you also must have a motorcycle license to operate one here in Ontario as well. What about helmets? One must be worn at all times while driving a motorcycle. Motorcycle insurance is mandatory in Ontario. Of course, you must also have a motorcycle license in order to ride in Canada, and wear a helmet at all times.
Like with car insurance, there are several contributing factors that can contribute to your premium; these are usually similar to what you can expect in relation to general auto insurance. Some of these key points include the following:
- The type of motorcycle; make, model, age and the value of any alterations
- How experienced you are as a driver
- How much mileage you’re putting on the bike
- The area in which you live
- Whether or not you have a passenger seat
- Historical claims (if any)
Even though it’s very much a seasonal sport here in Ontario, must insurance policies are in play for the duration of the year, so regardless of when you use your motorcycle your insurance policy will remain the same, aside from your premium which is based on seasonal use. With this in mind, it doesn’t make a difference in cost or coverage if you cancel your insurance for the winter season, resuming in spring. Year round insurance is great if you have beautiful unexpected weather conditions on a fall or early spring day; it means worry-free riding and provides you with additional flexibility which is never a bad thing.
It’s important you have coverage that protects you from the potential of theft and vandalism; Comprehensive Insurance is highly recommended for your protection should you face such a scenario. Collision Insurance is necessary if you want to remain protected in a situation where you may be involved in an accident with another motorcycle, vehicle or even impact with the surface of a road. You’ll need to verify that you have the right type and amount of insurance coverage in place, if unforeseen damage to your bike takes place.
If you’re a new driver, it’s best to take a safety course for your own knowledge but also so that insurance premiums will be lower. These courses are typically inexpensive and offer you the skills and know-how to save you money down the road.
Get in touch with Will Marshall Insurance in Orillia, and we’ll discuss with you the many available options. You may qualify for bundling various policies together to lower your rates. We would be pleased to sit down with you to take a look at your current home and/or auto insurance policy.