We've got you covered, so you can focus on riding.
Call us at 1-888-675-ROAD (7623)
or fill out the form below for
your no obligation quote!
Licensed brokers are available from Monday to Friday, between 9am to 8pm ET and Saturday from 10am to 4pm ET. If you submit the form below a licensed broker will contact you by the next business day.
Insurance for Motorcyclists by Motorcyclists
Insurance just got better…and easier for Motorcyclists. Speak to a licensed broker for more information on how to save on all of your insurance needs.
Insurance Professionals at Your Fingertips
Combine and Save
Industry Leading Experience
Partnered with Many of Canada’s Top Insurance Companies
Licensed Insurance Brokers
at Your Fingertips
Take advantage of having a licensed professional review your needs and make recommendations on how best to ensure you have appropriate coverage and protection at the best price!
Combine and Save
You don’t just have a motorcycle! Bundle all of your insurance needs together to get the greatest savings on your insurance while ensuring you have appropriate coverage and protection for you and your loved ones.
Industry Leading Experience
Open Road Motorcycle Insurance was created for Motorcyclists by Motorcyclists. In consultation with Power Sports Services, Open Road is flexible and intuitive. It will cover and protect riders in the fashion you would expect.
Customer Service is a Priority
You don’t only ride your bike during business hours, which is why your hours are our hours! With multiple ways to interact with Open Road Motorcycle, we are always there for you – from quote to claim if necessary our licensed brokers are at your fingertips!
Partnered with Canada’s Top Insurers
Open Road Motorcycle insurance is underwritten by multiple companies to offer the best coverage and protection to the widest cross-section of riders on all types of bikes from sport to touring and everything in between!
Quick and Easy Quotes
From an online quote to binding your policy with a licensed broker over the phone in a matter of minutes, Open Road Motorcycle Insurance will have you hitting the…mmmm…Open Road and fully covered and protected in no time at all!
In Ontario, motorcycle riders are required by law to have the following insurance coverages on their motorcycle to get an Ontario plate and to ride legally:
- Third- Party Liability
- Accident Benefits
- Uninsured Automobile
- Direct Compensation Property Damage
For further information:
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.
With multiple insurance companies underwriting Open Road Motorcycle Insurance, the goal is to provide an insurance quote for each rider and bike. However, power and value of a bike will certainly affect the cost of your insurance policy. To that point, a less expensive and less powerful motorcycle will generally be less expensive to insure. Further, a less experienced rider riding a powerful motorcycle will certainly see an increased premium based on those factors. Please speak with one of our licensed insurance brokers to best determine how you manage your insurance premiums.
Open Road Insurance 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. Open Road Insurance 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.
Open Road Motorcycle Insurance has multiple underwriting partners to ensure we give the best possible quote for all riders regardless of bike type. However, all premiums factor into account the type of bike as well as many other factors including rider’s insurance and riding history among other criteria that determine the cost of your insurance policy.
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.
Riders do not necessarily require any specified amount of riding experience, however each insurance carrier will determine their own criteria when assessing the eligibility of each rider. Such criteria can include a combination of experience and class/type of motorcycle as well as their insurance history and driving/riding record – Motor Vehicle Report.