6 Reasons To Get Motorcycle Insurance

Motorcycle insurance is an important component of owning a motorcycle. It protects you, your bike, and other people involved in an accident. While the cost of motorcycle insurance may seem like an added expense, several benefits make it worth the investment.

1. Liability Coverage

Motorcycle insurance provides liability coverage in an accident with another vehicle. This coverage can help protect you from the costs associated with damage to other vehicles, property, or injury to others.

2. Comprehensive Coverage

Comprehensive coverage protects your motorcycle in the event of theft, vandalism, or damage caused by natural disasters. This coverage can be invaluable if you are the victim of a theft or your motorcycle is damaged in a storm or flood.

3. Uninsured/Underinsured Motorist Coverage

Sometimes, you may get into an accident with a person who isn’t insured or underinsured. In that case, this coverage protects you if you are involved in an accident with a driver who does not have insurance or enough insurance to cover the costs associated with the accident.

4. Medical Payments Coverage

This coverage helps pay medical bills if you or your passenger are injured in an accident. These payments can leave a huge hole in your finances, and it is the last thing you want to deal with when trying to pay off other things like bike repairs and so on.

5. Custom Parts and Equipment Coverage

This coverage helps to pay for the repair or replacement of custom parts and equipment installed on your motorcycle. Some parts, especially custom parts, can be quite expensive, and so having them covered ensures you get your bike restored to its former glory without too much expenditure on your end.

6. Emergency Roadside Assistance

This coverage pays for the cost of towing your motorcycle to a repair facility in the event of a breakdown. It can also provide for a rental vehicle or trip interruption expenses.

Is It Required by Law to Get Motorcycle Insurance in Canada?

In Canada, there are two main types of motorcycle insurance. The first type is liability insurance. This covers injuries and damage to property that you may cause while riding your motorcycle. The second type is comprehensive coverage. This covers damage to your motorcycle due to an accident, theft, fire, or other unexpected events.

In most provinces, it is mandatory to have at least basic liability coverage to own and operate a motorcycle in Canada legally. This coverage protects other drivers and pedestrians from injury or property damage you may cause while riding your motorcycle. The amount of coverage required varies by province.

In addition to the mandatory liability coverage, many provinces also require motorcyclists to have some form of comprehensive coverage. This coverage can help cover the cost of repairs to your motorcycle if it is damaged or stolen. It can also provide additional coverage for special equipment and accessories.


Overall, motorcycle insurance provides essential coverage for you and your bike. It can help protect you from financial losses due to theft, vandalism, and accidents. Motorcycle insurance can also help cover the cost of medical bills, custom parts and equipment, and emergency roadside assistance. While the cost of motorcycle insurance may be an added expense, its benefits are worth the investment. So, what are you waiting for? Grab your motorcycle insurance from a reliable and professional provider today!
Kirkham Insurance is a leading insurance company in Lethbridge, offering a wide range of insurance policies that covers many things, from cars to home and so much more. If you are looking for motorcycle insurance, get in touch with us right away.

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