Motorcycle Insurance

To get your bike on the road, you’ll need your basic coverage through ICBC, which can be done at one of our offices.

Couple riding motorcycle on BC roads for motorcycle insurance

Motorcycle Coverage in British Columbia

British Columbia is one of the most spectacular places in North America to ride a motorcycle. If you love to ride your motorcycle around BC, you need to make sure you have the right kind of motorcycle insurance in place. More and more BC motorcycle riders are getting their motorcycle insurance through one of our InsureBC office locations.

Similar to ICBC auto insurance, it is mandatory for all BC motorcyclists to carry standard insurance that covers third-party liability, accident benefits, and uninsured motorist protection. These standard coverages are part of what is offered through the ICBC motorcycle insurance program.

Optional motor vehicle coverage includes having coverage for damage or loss; such as comprehensive, collision or increased liability limits. Our team of insurance experts will introduce a range of these coverages that would protect you against the damage or complete loss of your motorcycle caused by theft, fire or other unforeseen events.

Auto Insurance Renewal

Many drivers in British Columbia are now eligible to renew their car insurance online, provided they meet the ICBC Online renewal criteria. Those individuals with a renewal date of May 1st or later can start this online renewal process 45 days prior to their existing policy expiring.This process is entirely new in BC, as it marks the first time that ICBC policy holders can renew their car insurance online at their own convenience. However, rest assured that as your broker, we are still here to assist you every step of the way. We’ll be reviewing your renewals and answering your questions when you need us to. We’ll make sure your coverage matches your insurance needs.

How Do I Get Auto Insurance in BC?

We have 80 office locations throughout BC that offer ICBC insurance. With most open 6 or 7 days a week, that means there’s always a location nearby to assist you. We also have a number of offices that offer delivery services, so you don’t even have to leave your home to get your car insured.

How much does Motorcycle Insurance cost in BC?

ICBC has put a rather complicated motorcycle insurance rate structure in place. But, with 90 convenient locations all across BC, our insurance experts will help find the lowest motorcycle insurance quote for the best possible coverage for your Motorcycle.Motorcycle Insurance rates for your Motorcycle Insurance will be based on the following criteria:

Illustration of Operator's driving experience for BC motorcycle insurance

Operator's driving experience

The experience of the motorcycle rider, including years of riding and accident history, significantly impacts insurance premiums.

Illustration of Territory of operation for motorcycle insurance in BC

Territory of operation

The geographic area where the motorcycle will primarily be ridden, which influences risk exposure due to traffic density and theft rates.

Location of motorcycle when not in use for BC motorcycle insurance

Location of vehicle when not in use

Where the motorcycle is stored or parked when not in use (e.g., garage, street), affecting the likelihood of theft or damage.

Optional coverages for off-road biking in BC motorcycle insurance

Optional coverages selected

Additional insurance coverage options selected beyond the basic policy, such as increased liability limits, collision, or comprehensive coverage.

Discounts for BC motorcycle insurance policy with multiple illustrations

Any discounts that may apply

Various certifications or previous training undertaken may offer discounts on your premium.

Superior optional add-ons for motorcycle insurance in BC

Superior Optional Add Ons

Premium coverage options that provide enhanced protection, such as roadside assistance, accessory coverage, or trip interruption benefits.

Image of a guy driving motorcyle in BC fully covered by Motorcycle Insurance

Available Motorcycle Coverages

Collision & Comprehensive coverage deductibles starting at $300
Underinsured Motorist Protection in excess of ICBC, up to $2,000,000
Replacement Cost Coverage available
Emergency Road Service reimbursement up to $200 annually
Lock Re-Keying (if the keys or transmitter are stolen)
Riding gear & helmet coverage included, up to $5,000
Discounts for experience, rider training, club affiliation, and other certification
Various Liability limits available with ICBC and Private carriers through our 90 locations.

Customer Testimonials

At InsureBC, we value the relationships we build with our clients. Don't just take our word for it – see what they have to say about their experiences working with our team of expert insurance brokers.

Frequently asked Questions

What types of coverage are available with ICBC Basic Motorcycle Insurance?

Coverage includes Liability, Uninsured Automobile and Accident Benefits.

Is there a discount if I have more than one motorcycle insured with ICBC?

Multi-vehicle discounts may be applicable depending on the number of motorcycles insured under the same policy. Speak to your InsureBC broker to find out about this option.

How do I know how much insurance is right for me?

It depends on multiple factors including vehicle type, where you live and use the motorcycle, as well as other unique circumstances. Your InsureBC broker can help determine which types of coverage are best suited for you and provide quotes accordingly.

How do I buy, sell or import a motorcycle?

Our licensed insurance agents can transfer a motorcycle or even a scooter and get you back on the road pronto. Even if you are planning to import a motorcycle into BC from another Province or internationally, our team can assist you with all the paperwork required to get your two-wheeler back on the road. Please give our office a call in advance to find out which documentation is required to obtain a motorcycle insurance policy given your specific situation.

Looking to File a Claim?

Our dedicated claims department is committed to making the claims process as smooth and stress-free as possible. Whether you need to file a claim for your home, vehicle, or business, we have the expertise to guide you through the process.