Motorcycle insurance for Alberta riders, roads, and seasons
Alberta motorcycle riders face different risks than everyday drivers, from shorter riding seasons and changing weather to theft, road hazards, collision damage, and liability claims. Coverage needs can also vary depending on the type of bike, how often you ride, where it is stored, and whether you want protection for accessories or custom equipment.
Motorcycle insurance can help protect your bike, finances, and riding plans after an insured loss. Westland helps Alberta riders compare coverage options, understand limits and deductibles, and choose protection that fits their motorcycle, budget, and riding habits.
Why Choose Westland?
We know that your insurance needs to match your goals, your lifestyle and your budget. Our expert insurance advisors get to know you, so that they can tailor a policy to your exact needs.
We’ll find the best coverage for you at the right price so that you can continue to live your life the way you want to.
Insurance can be complex sometimes. Let our expert insurance advisors do the heavy lifting! We’ll help you find a policy that you feel is the best fit and provides peace of mind. To learn more about the benefits of being a Westland client, click here.
Who needs to buy motorcycle insurance?
If you drive a motorcycle, moped or scooter on any public roadway, you will need to insure your motorcycle. The actual definition of a motorcycle, other than sweet, beauty, beastlike, or just plain cool, is as follows:
- Can be two tandem or three wheels
- Engine size is over 50cc’s
- Includes mopeds and scooters
What motorcycle coverage is mandatory in Alberta?
What happens if you’re in an accident and cause injury to another driver or property damage? Medical expenses and rebuilding costs can add up, which is why third party liability covers you for expenses that may occur out on the road.
Regardless of who causes the accident, income replacement, supplementary medical, attendant care, rehabilitation, caregiver, non-earner, and death benefits are also provided.
Optional Motorcycle Coverages in Alberta
Under third party liability, damage to your motorcycle isn’t covered. That’s where optional collision and comprehensive coverage comes to play. If your sweet new ride costs a pretty penny, you’ll want to explore damage coverage to not only protect your investment.
Let’s be honest; it’s not just the vehicle that can be pricey. Your gear can add up quickly. If you and your riders have gear, it’s important to look into riding gear coverage.
Our insurance advisors will work with you to create the right motorcycle policy. Connect with us today!
How do you calculate the insured value of a motorcycle?
When you go to insure your ride, you will be asked to select the declared value which will determine the limit of coverage you will purchase. Originally this will be part of the bill of sale but you will also want to take into consideration modifications you have made to make yours the stand out beauty that it is! And of course, you will want to consider depreciation over the years. Elements that will form the value of your motorcycle include:
- Make and model
- Engine size
- Level of customization
Try to be accurate with your declared value as the amount that will be paid out to you in the event of a total loss will be based on fair market value.
What does motorcycle insurance cost?
Once you have determined the declared value of your motorcycle, the premium you pay for insurance will also be impacted by how you use your motorcycle (just pleasure? to and from work?) as well as where you live (do you ride in the city or rural?). Your driving record and obtaining a motorcycle license will also affect your premium. And of course, the optional coverages and deductibles you select will play a role in the cost as well. It’s also important to know that in Alberta, your Insurance company is aware that you only use the vehicle seasonally and has factored this into their rating from the get-go.
What about coverage for a moped or scooter?
How is a scooter or moped defined differently from a motorcycle? Basically, if your ride falls within the following description, you can register as a scooter or moped:
- Two tandem or three wheels
- Wheels larger than 250 mm
- Maximum engine displacement is 50cc’s or it has an electric motor
- Maximum speed of 50kms per hour
- If the maximum cc’s or maximum speed exceeds these limits, your bike must be registered as a motorcycle.
Review Your Insurance and Get a Quote with Westland
Ready to discuss your insurance needs? Our expert advisors are here to review your current insurance policies, discuss your unique needs, and find the perfect motorcycle insurance policy for you. Whether it’s over email, the phone or in person we are ready to help! To get started on a quote now and see price estimates for your motorcycle coverage, click the button below. Our advisors will contact you right away and help navigate your risk management needs. Of course, we are always available to talk over the phone or in person. Check out our locations page to connect with an office closest to you!
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Protect your bike before the next ride
From liability and collision to theft, accessories, storage, and seasonal use, Westland helps Alberta riders choose motorcycle insurance that fits their bike, budget, and riding style.
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