At MIB Moto, we don’t just insure motorcycles—we live the ride. Our team of expert riders, including Canadian champions, has raced on top tracks and explored every corner of the open road and off-road trails. We know what it means to feel the wind in your face. With us, you get more than just coverage; you get peace of mind from those who truly understand the ride.
Your bike is part of your identity, and we understand that. That’s why we offer tailored coverage that protects your ride, no matter where the journey takes you. From motorcycles to ATVs, snowmobiles, dirt bikes, and more, our insurance specialists ensure you have the right coverage for your unique lifestyle.
Please note that instant quotes are estimates. For a more precise quote, call us on the number provided.
At MIB Moto, we're not just insurance experts—we're riders with real-world experience, understanding the passion and needs of our community. Whether you're cruising city streets, navigating mountain trails, or tackling rugged off-road paths, we’ve been on the open road and off-road trails, sharing the same thrill you do.
Here’s why riders choose MIB Moto:
We’re expert riders who understand what matters most on the road. With simple, tailored coverage options, MIB Moto helps you focus on the ride, not the risk, so you can enjoy the freedom and peace of mind you deserve.
Essential Coverage Options:
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In Canada, motorcycle insurance is mandatory in all provinces and territories. Riders must carry a standard motorcycle insurance policy.
For off-road vehicles (ORVs) such as ATVs, snowmobiles, and dirt bikes, insurance requirements vary by province:
It's essential to check the specific regulations in your province or territory to ensure compliance with local laws regarding ORV insurance.
Several factors influence the cost of your insurance premium, including type of vehicle, driver experience, driving record, claims history, coverage types, location, usage, age and gender. At MIB Moto, we help tailor your policy to maximize protection and minimize costs.
Yes, many insurers offer discounts for safe driving records, bundling policies (e.g., auto and home insurance), insuring multiple bikes and off-road, taking a certified motorcycle safety course or even storing your bike securely during off-season months. Please ask us about other savings options!
In Canada, the mandatory coverage for motorcycle and off-road vehicle insurance varies by province or territory. While specific requirements differ, the key mandatory coverages generally include:
While these coverages are mandatory, additional coverage options—like comprehensive, collision, theft protection, or trail damage coverage for off-road vehicles—are optional but highly recommended for extra protection. Off-road vehicles may also require specific trail or rider liability coverage depending on the province. Always check your specific region's requirements for both motorcycle and off-road vehicles to ensure you're fully covered and compliant with local laws.
Collision coverage will cover damage to your own bike (or automobile) when involved in an accident regardless of if you are the at-fault party or not. Comprehensive coverage covers your bike (or automobile) against perils such as fire, theft or vandalism. It is highly recommended that all policy holders have both coverages. All perils coverage is a catch-all term, essentially combining both Collision and Comprehensive coverages with one deductible amount. Riders can have different deductible amounts for each if they have collision and comprehensive coverage.
Your good riding history and safe riding habits are factored into your insurance premiums. Claims free and conviction free discounts apply to each policy. Further savings are realized for your good riding history and driving records as you will not be subject to surcharges that apply for tickets (convictions) and claims for some insurance carriers.
MIB Moto provided My Insurance Broker knows that motorcycle rider training is a key component to safety on the “Open Road”! As such, our underwriting partners motorcycle insurance rates indicate this. MIB Moto and our partners offer savings upon completion of an approved motorcycle rider training course. Proof of successful completion is required. Motorcycle rider training is an important element to making you a more skilled, safer rider and ultimately helping control your insurance premiums.
Better motorcycle insurance premiums start with the completion of your M1 Exit course. Further discounts can also apply for completion of a recognized Advanced Motorcycle Rider Training course. Some conditions apply.
The Ministry of Transportation of Ontario approves recognized Advanced Motorcycle Rider Training courses. Motorcycle training courses are offered through multiple providers and at multiple locations across the province.
If you are involved in an accident where you are not at-fault, then there will be no impact to your premium. If you are deemed at-fault in an accident, then upon renewal your policy will be based on your updated insurance history report and may result in an increase. In a limited circumstance, an accident forgiveness waiver may be available (Echelon Insurance only for riders with advanced rider training meeting certain other criteria) for riders who are claims free with 9 years Of claims free motorcycle insurance history that will waive their first at-fault accident and not result in an increase to their premium.
Even if you’re not riding in winter, keeping your insurance active year-round ensures continuous coverage. Motorcycle insurance policies in Canada are seasonally rated, meaning your premium is adjusted for the riding season while still providing protection throughout the year.
By maintaining coverage, you protect your bike from risks like theft, fire, and damage, even when it's parked. A lapse in coverage could affect your rates, and cancelling during the off-season won’t save you money. Plus, it means you're ready to ride on those rare sunny winter days or when the season picks back up!
Yes, you can insure motorcycles and off-road vehicles that are not in use through storage options. This coverage protects against risks like fire, theft, and vandalism, with a waiver of liability for accidents. It is available at reduced rates, as long as at least one of your motorcycles or off-road vehicles is insured with standard coverage. This ensures your vehicle remains protected during the off-season without paying for full, active coverage.
