Motorcycle, moped and dirt bike insurance
Enjoy the ride, we’ve got you covered.
Flexible motorcycle, moped and dirt bike insurance
Get coverage tailored for your adventures. At Co-operators, we’ll build a policy that meets the specific needs of motorcycle, moped and dirt bike riders like you.
What we cover
Motorcycles are two or three-wheeled motor vehicles with a driver’s seat or saddle.
Mopeds are motor-assisted bicycles with operable pedals that weigh no more than 55 kg (120 lbs) and 50 ccs. They have no motor-driven clutch or gearbox and can’t travel faster than 50 km (30 mph) on level ground.
Dirt bikes are designed to be used on rough terrain like unsurfaced roads or trails. They include trail dirt bikes, motocross bikes, enduro bikes and dual-sport bikes.
Get our best price for the coverage you need
Here’s how you can save on motorcycle, moped and dirt bike insurance:
Do you drive a hybrid or electric motorcycle, moped or dirt bike? You may be eligible for an automatic discount on your premiums.
Have more than one vehicle? Get better rates when you bundle and insure them with us.1
Also shopping for home or life insurance? Save more when you bundle your policies.1
Do you have a clean driving record with no history of convictions or licence suspensions in the past three years? You may be eligible for an automatic discount.
There are so many ways you can save on your motorcycle, moped and dirt bike insurance. You may qualify for a discount if you:
- Completed a driver training course, and your licence is in good standing
- Are 55 or over and have a clean driving record
Explore our coverage
Mandatory Coverage
In Canada, we don’t have a one-size-fits-all plan for motorcycle, moped and dirt bike insurance. Your minimum coverage depends on where you live. Find out how insurance works where you live. Here’s a quick look at some of these types of coverage:
Accident Benefits cover medical expenses, income replacement or funeral costs in case of an accident.
If you’re in an accident that’s not your fault, this coverage takes care of your vehicle and everything in it.
Covers your obligations for causing injuries or property damage if you're found responsible for causing an accident.
Ever wonder who pays the damages if you’re involved in an accident with an uninsured driver? This coverage helps take care of the costs arising from injury, or worse.
Extra coverage
Want added peace of mind? You can increase the amount of coverage on your vehicle, or you can add on additional coverage. Options vary by province. Here are some optional types of coverage to explore:
Collision
This covers the cost of repairing or replacing your vehicle if you cause an accident.
Comprehensive
If your vehicle is damaged or stolen, this coverage will help you repair or replace it.2
Depreciation Protection
If you buy a new vehicle and have a total loss claim within the first five years, this coverage protects your vehicle’s value from depreciation.
Riding Gear Endorsement
Replace up to $5,000 of motorcycle, moped and dirt bike riding gear, like helmets, eyewear or airbag vests, after an insured loss.
2 Comprehensive doesn’t insure your vehicle against theft if a member of your household steals your vehicle, or if an employee whose job involved using or maintaining the vehicle steals it.
Discover more coverage
Talk to us today
Call or meet with us to get the right motorcycle, moped and dirt bike insurance for you.
1 All bundled savings are based on filed discounts and rates. Savings vary based on each individual’s insurance profile and are not guaranteed. Savings vary by province. The advertised bundled offer applies when you bundle recreational vehicle, home and auto insurance. It includes a welcome discount for new home and auto insurance clients, a claim free discount for home insurance clients and a conviction-free rating (in ON) or conviction-free discount (in NS, AB, NB and QC) for auto insurance clients. For home insurance clients, the welcome discount is available only for homeowners (excluding condominiums, mobile homes, seasonals and rented properties). The conviction-free rating or discount is available on private passenger vehicles and requires all drivers to have no minor/major and/or serious/criminal code convictions and no demerit suspensions in the preceding 3 years. Certain conditions, limitations and exclusions may apply. To be eligible for the claims free discount, you must have been with your current provider for a period of 5 years. If you have not been with your current provider for 5 years, you must be claims free with your other providers for the preceding 5 years. Contact a licensed Co-operators representative for detailed information about how savings could apply to you.