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Motorcycle Insurance Basics in Edmonton & Surrounding Alberta

To legally ride a motorcycle in Edmonton and throughout Canada, you must have motorcycle insurance.

Motorcycle insurance protects both you and other parties in the event of an accident or injury. In the event of an accident, your insurance provides you with financial assistance if you are at fault and you cause damage to your motorcycle or a third party’s property.

There are different types of motorcycle insurance you can get, which are both mandatory and optional. 

Because motorcycle use is on a seasonal basis in Canada, this will be a factor in determining the cost when you add a motorcycle to your automobile insurance or obtain a separate recreational policy.

Motorcycle License Requirements

Class 6 Motorcycle License

To drive a motorcycle or moped in Edmonton, you must have a valid Class 6 motorcycle license. To obtain it, you must be at least 16 years of age, have a Class 7 learner’s license for a minimum of one continuous year, and pass a road test. 


Class 7 Motorcycle License

To obtain the Class 7 motorcycle license, you must be at least 14 years old, obtain parent/guardian consent if you are under 18 years old, pass a knowledge and vision test, and follow the stipulated rules. The rules include:

  • Practicing with a Class 5 person over 18 in the front passenger seat at all times.
  • No driving between 12 p.m. and 5 p.m.
  • Zero alcohol levels when driving.
  • No driving with more people than the number of seatbelts in the vehicle.

Required Motorcycle Insurance

A standard motorcycle insurance policy covers legal requirements for motorized vehicles on the road, such as third-party liability, accident benefits, and uninsured automobile coverage.

Third-party liability protects you in the event of an accident causing loss or damage to another person when you are at fault. Suppose you are in an accident where the other driver has some liability. In that case, you and your passenger may be able to sue the driver, who could similarly have coverage under third-party liability insurance.

Accident benefits provide you, any passenger with you, and any others hurt in a motorcycle accident with income replacement and medical benefits, regardless of who caused the accident. Any passenger of yours that received an injury in an accident would access these benefits through your insurance.


Optional Motorcycle Insurance 

Loss or Damage Coverage

Other options for motorcycle insurance include loss or damage coverage. Loss or damage coverage is not mandatory, but it is protective and relatively inexpensive. It consists of all perils, collision, comprehensive, and specified perils. You can purchase a combination of these types of coverage to protect you against loss of, or damage to, your motorcycle caused by collision, fire, theft, and a variety of other unpredictable risks. 

The repair or replacement of your motorcycle has financial significance, especially if no injuries occurred, regardless of who was at fault. Having motorcycle insurance can protect you if you are in an accident and save you a considerable amount of money down the road.


Additional Accessory Coverage

The additional accessory coverage offered in many motorcycle insurance policies provides immediate roadside assistance. With this assistance, you can obtain immediate help after an accident, including towing charges coverage. 

MBS Insurance Brokers Ltd. offers this type of insurance in Edmonton and can assist you when deciding on the best type of coverage for your unique situation.

Additional Things to Take into Consideration When Buying Motorcycle Insurance

Because motorcycle riding is seasonal in Canada, insurance companies adjust the premiums seasonally. They do not refund cancellations for the off-season. Depending on the policy, you are likely not required to pay premiums during the winter months. The premium payments receive adjustments, and you pay for them during prime riding time only, which occurs between March and October. 

If you are looking for motorcycle insurance, the insurance brokers at MBS Insurance in Edmonton can provide the actual payment breakdown for you. 


The Benefits of Year-Round Coverage

Knowing that motorcycle insurance premiums tend to adjust for seasonal use already, you may find it more convenient to continue your insurance coverage all year-round. Uninterrupted coverage allows you to use your motorbike on the occasional day where there is good weather in the off-season and to take your motorbike with you for winter vacation down south.

Another benefit of keeping your motorcycle insurance policy all year round is having annual protection against fire, theft, vandalism, flood, and wind damage if you usually purchase comprehensive insurance anyways for the prime season. 

If you choose to cancel your policy outright for the winter, then you will not have protection if somebody steals your motorcycle during the winter season.

Call the Edmonton Insurance Brokers at MBS Insurance Brokers to Obtain Motorcycle Insurance Protection

The insurance agents at MBS Insurance Brokers Ltd. in Edmonton can help you obtain the motorcycle insurance coverage you need while saving you money. We are in contact with multiple insurance firms offering highly competitive rates. 

We give you the ability to choose between a variety of different car and motorcycle insurance plans, ensuring that you get precisely the coverage you both want and need. With over 40 years in the industry, we understand the obstacles on the road, and we’re here to protect you every step of the way. Contact us to learn more about our auto insurance policies online or at 780-436-7880, or visit our website for a free Edmonton motorcycle insurance quote. We also offer several auto insurance discounts

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This article was originally published on July 2, 2015, and updated for 2021.