Riding Legal: Why Valid Motorcycle Insurance Matters in Ontario
If you’re gearing up to ride in Ontario, one thing is non-negotiable: you must have valid motorcycle insurance. Whether you’re a first-time rider with your M1 or an experienced motorcyclist, insurance isn’t just about protecting your bike—it’s the law, and it protects you and others on the road.
Let’s take a closer look at what insurance is required and why it matters more than you might think.
Is Motorcycle Insurance Required in Ontario?
Yes—100%.
Ontario law requires all motor vehicles, including motorcycles, to be insured before they hit the road. You’ll need to show proof of insurance if:
- You’re registering your bike
- You’re stopped by police
- You’re involved in an accident
Riding without valid insurance can lead to serious consequences, including:
- Fines up to $50,000
- Licence suspension
- Bike impoundment
- Increased insurance premiums in the future
What Does Motorcycle Insurance Cover?
At minimum, Ontario riders must carry:
- Third-Party Liability Insurance: Covers you if someone is injured or their property is damaged in an accident you caused.
- Accident Benefits: Covers medical expenses, income replacement, and more—even if you were at fault.
- Uninsured Automobile Coverage: Protects you if you’re hit by an uninsured driver.
- Direct Compensation–Property Damage (DCPD): Covers damage to your motorcycle when the accident is not your fault.
Optional coverages include:
- Comprehensive (theft, vandalism, weather damage)
- Collision (damage to your motorcycle if you’re at fault)
- Roadside assistance and rental coverage
Why Having Valid Insurance Is So Important
Here’s why insurance isn’t just a legal requirement—it’s a smart move for every rider:
- ✅ Protects Your Wallet
Accidents can cost thousands. Insurance helps cover medical bills, damage, and legal fees so you don’t pay out of pocket. - ✅ Keeps You Riding
Getting caught without insurance can mean losing your licence or having your bike towed—ruining your season before it starts. - ✅ Gives You Peace of Mind
You can focus on the ride knowing you’re covered if something goes wrong. - ✅ Required for Road Tests & Registration
You won’t even be allowed to take your M2 road test on your own motorcycle unless it’s properly insured. - ✅ Protects Others Too
Insurance ensures that anyone injured in a crash—whether it’s your fault or not—gets the support they need.
Always Ride Insured
Whether you’re just starting with your M1 or have years of experience under your belt, valid motorcycle insurance is essential. It’s not just about following the law—it’s about riding responsibly and protecting yourself, your bike, and everyone around you.
Before you hit the road, double-check that your insurance is up to date—and if you’re shopping for coverage, compare providers to get the best rate for your riding style and bike type.
Motorcycle Insurance in Ontario Fact Sheet
- Requirement: Mandatory for all motorcycles in Ontario before use on the road
- Proof Needed When: Registering your bike, stopped by police, or involved in an accident
- Penalties for No Insurance: Fines up to $50,000, licence suspension, bike impoundment, and higher future premiums
- Mandatory Coverage:
- Third-Party Liability Insurance
- Accident Benefits
- Uninsured Automobile Coverage
- Direct Compensation–Property Damage (DCPD)
- Optional Coverage: Comprehensive, Collision, Roadside Assistance, Rental Coverage
- Why It Matters: Protects finances, keeps you legally on the road, provides peace of mind, required for M2 road test, and protects others in a crash
