Start with the vehicle and where you ride
Ontario requires insurance for motorcycles used on public roads, while limited exceptions can apply on private property. Scooters and other small motorized vehicles are not all classified the same way, so the year, make, model and intended use should be confirmed before assuming which licensing and insurance rules apply.
Westoak can help you identify the details an insurer needs and review available motorcycle or scooter options from the insurance companies it works with.
What the policy review should cover
An Ontario motorcycle policy combines required protection with choices about limits, benefits and damage to the motorcycle itself. A useful review may include:
- Third-party liability limits and current accident-benefit options
- Uninsured automobile protection
- Collision, comprehensive, specified-perils or all-perils coverage, where offered
- Deductibles and how a loss to the motorcycle would be settled
- Coverage for permanently installed accessories, custom equipment or riding gear
- Transportation replacement, roadside assistance or other endorsements, if available
Availability, conditions and deductibles vary by insurer. The quote and final policy wording determine what is covered.
As of July 1, 2026, medical, rehabilitation and attendant-care benefits remain mandatory under affected Ontario automobile policies, while other accident benefits are optional. Confirm which optional benefits and limits apply to the rider rather than treating “accident benefits” as a single unchanged package.
Details that can change the options
Be prepared to discuss the licence class and experience of each rider, claims and convictions, annual distance, commuting or business use, passenger use and any training courses. Insurers may also ask about engine size, modifications, purchase price, storage, security and whether the motorcycle is financed.
Tell your advisor if the vehicle is used for delivery work, racing, track events, off-road riding or is not a conventional road motorcycle. Those uses may require different underwriting or may not fit a standard policy.
Review seasonal use without leaving gaps
Many motorcycles are used only part of the year, but cancelling coverage during storage can leave the vehicle without protection for risks such as theft or fire and may affect insurance continuity. Ask how the policy treats seasonal use before making a change based only on the months you expect to ride.
For a fuller explanation of the July 2026 benefit changes and DCPD, visit the Ontario auto insurance overview. For everyday passenger vehicles, visit car insurance. If the motorcycle or scooter is unusual or highly customized, bring photos, invoices and any available valuation documents to the conversation.
Prepare for a clearer quote
Gather the vehicle identification number, ownership or purchase documents, driver’s licence information, current policy, expected annual use and a list of modifications or accessories. Contact Westoak to review the information and available options with an advisor.