Dirt bike insurance in Canada is essential for if you ride in the city or off-road. Many Canadian provinces legally require dirt bike insurance even if your bike is strictly for leisure.
Like car insurance, the correct coverage can protect you and your bike in the case of an accident. Minimum insurance requirements differ depending on where you live.
However, exceptions may exist if you only ride your bike on your own property. Nevertheless, it's important to be prepared and operate your bike with proper evidence of insurance.
What do you need to know? We explore everything you need to know about Canadian dirt bike insurance in 2022.
- How do you insure your dirt bike in Canada?
- Personal riding and third-party liability
- All-risk physical damage
- Riding gear and excess equipment
- Accident and rescue benefits
- How is the price of dirt bike insurance calculated?
- Driving record and claims history
- Resident province
- Level of coverage
- How often you ride
- Where you store your bike
- Make and model
- Vehicle additions
- Additional riders
- Engine and speed
- Why do you need dirt bike insurance?
- Street legality and local laws
- Purchasing a dirt bike with a loan
- Crashes or accidents
- Peace of mind and longevity
- Frequently asked questions about dirt bike insurance
How do you insure your dirt bike in Canada?
Dirt bike insurance falls under off-road vehicle insurance, which can be purchased separately or in addition to your motor vehicle insurance policy. Here is a breakdown of the types of coverage your policy may offer.
Personal riding and third-party liability
Liability insurance protects you from the financial burden of liability claims. For example, if you harm someone while riding your dirt bike, your liability coverage will contribute to the monetary charges.
Sometimes, liability charges can be more expensive than replacing your dirt bike! That said, personal riding liability is highly beneficial.
All-risk physical damage
Physical damage insurance protects your dirt bikes in case of theft, collision, vandalism, fire or transit accidents. Many insurance providers have multiple packages for property damage coverage: all perils, comprehensive coverage, and basic perils.
The best way to determine your insurance tier is to consider:
- How often you ride your bike
- Your expenses in the case of loss
- The potential risk.
For example, someone who rides a dirt bike every day in busy areas may want more substantial coverage than someone who only rides a bike on special occasions.
Riding gear and excess equipment
If you have riding gear that risks damage in the case of an accident, make sure to cover these costs under insurance. Typically, riding equipment includes chest protection, helmets, motocross pants, and other riding accessories. Also, protect your towing trailer with coverage if you use it to transport your dirt bike.
Accident and rescue benefits
If you get into an accident while riding your dirt bike, you will need adequate insurance to cover the accident and rescue charges. Remember that some off-road vehicles must account for search and rescue expenses, especially if you often ride in desolate areas.
There are various dirt bike insurers in Canada, which sometimes fall under motorcycle insurance providers. Acquiring insurance is a relatively simple process as long as you take the time to select the appropriate coverage amount. Typically, you will choose from the following vehicles:
- Dirt bikes,
- 3-wheelers & trikes
- All terrain vehicles (ATV
- Dune buggies
- Snow bikes.
Next, you will get a custom dirt bike or motorcycle insurance quote based on your unique background and coverage requirements. Once you receive proper calculations of your liability limit, deductible and premium, you can purchase your insurance policy online or in-person. Then, you should have peace of mind knowing that you and your bike are covered.
How is the price of dirt bike insurance calculated?
A few variables contribute to the overall cost of dirt bike insurance in Canada. Below, we will outline the most significant factors considered.
Driving record and claims history
You will often qualify for a lower premium if you have a favourable driving record with minimal claims. However, drivers with multiple tickets and accidents are seen as high-risk, leading to increased rates.
It costs more to insure drivers under 25 due to their experience level. Adults drivers will save on their premium if they are 25 and over and choose not to add drivers to their policy who are younger than 25.
The price of dirt bike insurance in Canada dramatically depends on the province where you reside. For example, Quebec requires a minimum of $500,000 in liability coverage, whereas Ontario, British Columbia and New Brunswick require a $200,000 minimum.
Insurance prices in Ontario inflate due to the high population and accident rate. Smaller areas with fewer requirements might offer more affordable premiums.
Level of coverage
Like any insurance policy, your premium depends on the amount of coverage, policies and extras you purchase. You will have a higher premium if you decide on a higher coverage limit.
How often you ride
You may qualify for a lower premium if you rarely drive your dirt bike. After all, the less often your ride your bike, the less often you are at risk of getting into an accident.
Where you store your bike
If you park your off-road bike on the street, you will probably have to pay a higher premium. However, storing your dirt bike safely in a garage or on your property lowers the risk of damage.
Make and model
Typically, expensive high-powered vehicles require higher premiums. Depending on your insurance provider, the make and model of your bike can impact the expected rates.
If you have vehicle modifications that increase the price or risk of theft, this can affect your premium. Similarly, additional safety enhancements may lower your premium since they protect against damage and theft.
You will likely pay a reasonable premium if you are a single driver over 25 with a clean driving record and minimal claims. On the other hand, if you want to add people under 25 who have lousy track records, expect your premium to rise considerably.
Engine and speed
Depending on your dirt bike, it may be fast and powerful enough to be considered a motorcycle. Similarly, if the engine meets certain speed and horsepower requirements, it could be classified as a moped or scooter. Either way, you must insure the vehicle correctly to receive adequate coverage and a fair rate.
Why do you need dirt bike insurance?
It’s ideal to have dirt bike insurance for many reasons, primarily to abide by local laws and protect your property. Here are some of the top reasons dirt bike insurance is so important:
Street legality and local laws
Most Canadian provinces require legal off-road vehicle insurance for all dirt bikes. You need to register your vehicle and carry proof of insurance to have the right to ride on city streets. Check your area's local laws to ensure that you meet all necessary insurance criteria.
Purchasing a dirt bike with a loan
Insurance is needed to protect the lender's assets if you buy the dirt bike with a loan. Dirt bike coverage is necessary unless you pay in full. Regardless, as stated above, it’s usually a necessity under law.
Even if you own the bike outright, you might want insurance. If you damage or lose the bike, you might not have the money to repair or replace it without an insurance payout.
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Motorcycles, dirt bikes and off-road vehicles are a high priority for thieves. Even if you live in a safe area, it's essential to cover your dirt bike so your provider will reimburse you if your bike is stolen.
Crashes or accidents
Motorcyclists and bikers are at a higher risk of accidents than car drivers. They often experience more significant losses, damages, and medical needs.
Even if you ride in desolate areas, don't underestimate the importance of legal, reliable insurance. Good coverage can keep you and all of your assets protected in the case of an accident.
Peace of mind and longevity
A lot of money goes into dirt bikes, including add-ons, equipment, maintenance and updates. Whether you're a hobbyist or an everyday rider, it's beneficial to have consistent peace of mind while riding your bike. In the end, you're investing in the longevity of your bike and livelihood.
Frequently asked questions about dirt bike insurance
The Canadian average for motorcycle insurance is around $700 per year. However, the minimum third-party liability coverage in Ontario is $200,000. Many providers recommend that riders insure a policy worth $1,000,000 in Ontario.
Due to the high population and traffic accidents, someone under 25 may pay around $2,000 per year. On the other hand, Ontario residents that are older than 40 may pay $1,200. As you can see, there is a lot of fluctuation in the expected premium rate. Talk to your provider about Ontario's best dirt bike insurance options.
Contact a Canadian insurance company that provides motorcycle or off-road vehicle insurance. The insurer will help you customize your policy depending on your coverage and add-on needs. Most dirt bikes aren't street legal, so your provider may offer motorbike or motorcycle insurance options.
Yes, Ontario law requires all dirt bikes to be registered, plated and insured. According to the Off-Road Vehicle Act, insurance is necessary for driving anywhere off your property.
Dirt bike insurance can cover various things depending on the policy you choose. Coverage can include the following: damage to others or their property; personal expenses in the event of an accident; injury from another driver; accident-induced damage to your dirt bike; damage from uncontrollable factors such as fire, theft, vandalism, weather, etc.; roadside assistance; extra equipment and riding gear; trailers and tools; windscreen damage; temporary replacement vehicle; and keys and locks.