No-Obligation Motorcycle Insurance Quote

You are one click away from starting the quote process for your Bike Insurance.

Get In Touch With Us Today

Reach out to us Monday to Friday 8 a.m. to 5 p.m. ET and Saturday 9 a.m. to 2 p.m. ET.

Insurance On The Go

Access your insurance documents instantly through our new Self-Serve Client Portal. Report a claim, send a payment, request road service and so much more with 24/7 access.

Motorcycle Insurance in Ontario

Motorcycle insurance is just as important as auto insurance  and it is just as easy to pick. Coverage can range from a stand-alone policy to a bundle with your auto insurance. At Duliban Insurance we’ll help you find the protection you need for the road.

Free Online Motorcycle Insurance Quotes for Ontario Bike Owners

If you ride on public roads in Ontario, you must carry motorcycle insurance. Injuries resulting from motorcycle accidents cost six times more than similar automobile injuries. If you are in a motorcycle accident, you are three times more likely to be injured than were you in an automobile, and your injuries are ten times as likely to be of a serious nature. This alone should make one eager to have motorcycle insurance. Add in the random happenings of misfortune that can happen (theft, fire, road hazards, etc.) and one should feel compelled to get motorcycle insurance. The experts at Duliban Insurance have a vast amount of experience with motorcycles and would be happy to answer any questions about your motorcycle insurance needs. For a free online motorcycle insurance quote, please contact us at

Motorcycle Insurance Details

Motorcycle insurance can be purchased as a stand-alone policy or as a rider to automobile insurance. It may be bundled with other insurance for a possible discount. All motorcycle insurance policies in Ontario have mandatory coverage amounts as well as some add-on optional coverage. The base coverages are:

Third Party Liability Coverage – standard liability, as with automobile insurance.

Statutory Accident Benefits Coverage – list of miscellaneous benefits.

Direct Compensation – Property Damage Coverage (DCPD) – claims only done through your insurer.

Uninsured Automobile Coverage – covers damage or loss caused by another with no insurance.

The standard mandatory coverages all focus on motorcycle accidents with other vehicles. If you want to insure against loss or damage to your motorcycle, the following coverage may be added to your policy:

Specified Perils – a la carte coverage of specific sources of loss and damage.

Comprehensive Coverage – all specified sources of loss and damage.

Collision or Upset Coverage – damage or loss from collision with non-vehicle objects.

All Perils Coverage – combination of Comprehensive and Collision or Upset Coverage.

Coverage Details

Each province in Canada sets its own standards for insurance. If an Ontarian were to get into an accident in another province with higher minimum coverage amounts than the Ontarian’s insurance policy, the insurance would honor the higher minimum coverage of the local province. If a motorcyclist rides on public roads in Ontario, that motorcyclist must carry insurance. Ontario provincial mandates for motorcycle insurance are as follows:

Third Party Liability Coverage has a minimum of $200,000. One can purchase a policy with higher coverage amounts.

Direct Compensation – Property Damage Coverage is a feature in the policy that ensures that no matter who is at fault in an accident, the policyholder only interacts with their own insurance carrier. It is that insurance carrier which contacts other parties and their insurances when resolving a claim.

Statutory Accident Benefits Coverage is actually a list of minimum coverages set by the province:

  • Medical payments – $3,500 per person for minor injuries, $65,000 for non-minor, non-catastrophic injuries, $1,000,000 for catastrophic injuries
  • Funeral expense benefits – $6,000
  • Disability income benefits – dependent on the income of the injured
  • Death benefits – $25,000 to a spouse, $10,000 to each surviving dependent and/or parents and guardians

Note that Statutory Accident Benefits Coverage provides benefits to other parties when the policyholder is at fault, not to the policyholder.

Uninsured Automobile Coverage has a minimum of $200,000. As with Third Party Liability Coverage, one can purchase a policy with higher coverage amounts.

Optional Coverage

The following optional coverages all relate to losses possible in situations that do not involve accidents with other vehicles. There are options to insure against specific types of loss, and also options to carry blanket coverage. Individual considerations and preferences will dictate which, if any, of the optional coverage options make sense for you.

Specified Perils Coverage

Specified Perils Coverage insures you against losses caused by the perils that you specifically choose. The possible perils are:

  • Fire
  • Theft or damage associated with attempted theft
  • Lightning
  • Hail
  • Rising water
  • Earthquake
  • Windstorm
  • Explosion, riot, or civil disturbance
  • Failing or forced landing of aircraft or debris from aircraft falling from the sky
  • Accidents involving vehicles conveying your motorcycle on land or water, such as trailers, ferry boats, etc.

Comprehensive Coverage

If you want to insure against multiple perils, you may sign up for coverage separately. If the list of perils you wish to insure against is a good number, you may want to consider signing up for Comprehensive Coverage. Comprehensive Coverage will cover all the perils listed above, save for damage caused by theft committed by a household member. There will be a point where Comprehensive Coverage will be more economical than having several Specified Perils, though individual cases will differ at which point it becomes more economical.

Collision or Upset Coverage

Collision or Upset Coverage might sound related to base coverage, which concerns accidents with other vehicles, but in fact, covers damage caused to your motorcycle caused by upset or colliding with a non-vehicle object. The distinction between a collision and one of the specified perils is that a peril acts upon your motorcycle, as opposed to a collision, which happens when your motorcycle hits another object.

All Perils Coverage

All Perils Coverage is similar to Comprehensive Coverage, covering all categories of peril, but also includes Collision or Upset Coverage. All Perils Coverage is the most comprehensive optional coverage for motorcycle insurance, not Comprehensive Coverage. All Perils Coverage will also cover damage caused by theft committed by a household member and employees.

Customizing your motorcycle insurance to fit your needs can be a complicated task. The experts at Duliban Insurance are more than happy to assist in navigating the complexities of designing the motorcycle insurance policy that best fits your circumstances.


Google Rating: 4.7Some awesome words from our Duliban Client Family

Chase Creemer
Chase Creemer
I have never used a broker before. Trevor was able help me secure lower payments for my insurance inquiries. He was very knowledgeable and professional. I would highly recommend everyone speak to Trevor about their insurance needs. I am very pleased and thankful for the savings. Chase
erick evans
erick evans
One of the best brokers in niagara , i would recommend them 💯 . Amy does what she do best to find you a better insurance . Thank you amy for doing amazing job.
Wanted to specifically thank Amy Brown for such excellent service. I cannot stress the level of service I have received from you as I look forward to a long term relationship with you and this company! Amazing pricing (truth be told they blew out all other companies pricing by decent margins). Def worth trying these guys out, you won’t be disappointed. A company that made shopping for insurance an actual enjoyable experience!!!! I can confidently refer you guys to my family and friends.
Ben Daly
Ben Daly
Great service from the first call and Trevor Walton found me a great rate! I was skeptical of brokers and I’m not sure why as this has been nothing but a really good experience!
Carmen Bilcea
Carmen Bilcea
I used this company recently to get an updated and a ... better quote for my car insurance. As new to Canada, my previous car insurance quote was ... astronomical, despite my driving history being imported from the UK due to the exchange driving license agreement between UK and Canada. Dealing with this company was smooth, fast, efficient, very pleasant and I got a very good pice for my car insurance. Domenic was just amazing. There were no pressure as to buy any other additional products I was not initially planning on buying and everything was done in an expedite manner. I will definitely use them in the future and I would highly recommend them based on my experience.
I had my license since I was 16 years old, but moved out of the country to work for 10 years, during that 10 years my Ontario license expired, and basically, I had to start over again from G1 to G, which only took 3 weeks to complete when I came back to Canada. However, most insurance companies were giving me outrageous quotes per month, $250 to $350 a month because they considered me a new driver, even though I had been driving for 20+ years. So, I searched a few brokers to see if they could help, but they were not doing much better. I found Duliban and spoke with Warren. Warren found an insurance company willing to give me credit for my previous driving experience. Warren was friendly, hardworking, and really saved me a lot. Thanks, Warren!
Anna Delpero
Anna Delpero
Duliban was referred to us by a friend who raved about the lower costs of auto/property insurance so we decided to call. We had never used a broker before and dealing with Amy Brown made such a difference. Her attitude and ability to answer any questions we had plus her follow-through was exceptional. The best part was the SAVINGS that clinched changing our Insurance Company. Highly recommend - just call and see what's possible. It was worth it for us!
Betty Gadon
Betty Gadon
Amy Brown is the best, she was very professional and helpful.
Graham Cobb
Graham Cobb
Very helpful and friendly service

The Duliban Hometown Advantage

We Work For You

Our team of insurance professionals ensures that YOU receive the best coverage possible at the very best price.


We partner with over 25 different insurance companies that fight to earn your business.

Highly Rated

With multiple provincial and national recognition awards, it’s no wonder why our clients rave about us.

Simple Language

We make sure that you understand your policy without confusing you with complicated insurance jargon.

Let's find you the best possible coverage

Our offices are open for walk-ins from 9am-5pm Monday-Friday & by Phone 8am-5pm Monday-Friday Saturday's 9am-2pm.