As motorcycle use increases during the summer months, insurers are advising riders across Canada to review their coverage to ensure it reflects their current riding habits and risk exposure.
With more vehicles on the road due to vacation travel and seasonal construction, insurance providers say now is a practical time for motorcyclists to assess their policies. This includes checking whether coverage accounts for longer trips, recent customizations, or storage changes, the Insurance Bureau of Canada (IBC) said.
Insurers also recommend confirming that policies include adequate protection for liability, collision, and comprehensive risks. Riders who have added aftermarket parts or accessories are encouraged to speak with their insurer about additional coverage options, as standard policies may not fully cover custom modifications.
Many insurers offer discounts to motorcyclists who have completed recognised safety courses. These programs, while focused on improving rider skills, may also help reduce premiums. The bureau said providers are advising riders to inquire about eligibility and available savings.
The IBC also encouraged policyholders to report any incidents to their insurer within 72 hours. Early notification allows insurers to assess the situation and provide guidance on claims processes, even if no formal claim is filed. Some policies also offer roadside assistance, which can be useful in the event of a breakdown or accident.
Insurance coverage can differ by province, particularly regarding liability limits, accident benefits, and coverage for uninsured motorists. Riders travelling across provinces or into the United States should confirm that their coverage extends to those areas.
Insurers suggest reviewing policy limits and deductibles regularly, particularly if the motorcycle’s value or usage has changed. While increasing a deductible may lower premiums, it could also mean higher costs in the event of a claim.
With the summer riding season underway, the IBC stressed that reviewing and updating coverage remains a key step in helping motorcyclists manage risk and maintain adequate financial protection on the road.
