Motorcycle Insurance Abbotsford

As a motorcycle and ATV insurance agency, we are proud to provide our customers with both ICBC insurance and private insurance coverage at affordable rates. Whether you are wanting to enjoy the high-adrenaline pastime of riding an ATV or motorcycle, the different types of motorcycle and ATV insurance policy options can help ensure the safety of you and your passengers. Get in touch with the professional insurance brokers from Mountainview Insurance today to request a free quote on a motorcycle and ATV insurance policy.

What is motorcycle & ATV insurance?

Motorcycle and ATV insurance products are specifically designed to protect you if your auto is in an accident, is stolen, or is damaged by something other than a collision with another auto. By paying yearly or monthly insurance rates to your insurance agency, they will provide you with insurance coverage for any losses outlined in your specific ATV insurance or motorcycle insurance policy.

Why is being insured important?

Motorcycles and ATVs can be dangerous vehicles to both riders and those around them, especially since they do not have seatbelts. Being hit by another car or another type of impact, even at low speeds, can cause significant injuries. Having the right motorcycle or ATV insurance can help insure you and your passenger in the event of an accident.

Types of motorcycle & ATV coverage

There are different types of insurance coverage options available for both ATVs and motorcycles. Some of the different types of insurance policy options you can choose from include:

Bodily Injury Liability

Bodily injury liability insurance works to cover the cost of medical bills, pain and suffering, and the lost wages of anyone who was injured or killed in an accident that was caused by your motorcycle or ATV. It is important, however, to ensure that you know the limits of your bodily insurance policy, as it will only cover a certain amount per person.

Property Damage Liability

Property damage liability can help cover the cost of insurance policy claims for damage done to another person's property due to your ATV or motorcycle. The coverage for this insurance typically covers personal property, homes, and yards. Similar to bodily injury liability insurance, your property damage liability insurance policy will have a specific claim coverage limit per incident that you should be aware of.

Medical Payments

Medical payments coverage is designed to help cover the cost of any medical expense you incur as a result of riding your ATV or motorcycle. This type of insurance will pay for a range of different things—surgeries, X-rays, hospital stays, ambulance transportation, and funeral costs—up to a certain amount.

Uninsured/Underinsured Motorist Protection

In the event that you are in an accident caused by someone who is not insured or does not have enough insurance, uninsured/underinsured motorist protection will pay for expenses incurred due to a motorcycle accident. It is important to note that this type of coverage will have a specific claim limit on your policy.

Collision

Collision insurance works to help pay for repairs to your motorbike or ATV if it has been in an accident with a car or if it overturns. The amount of collision insurance coverage from your insurance agency will be determined by the deductible amount on your policy.

Comprehensive

Comprehensive insurance coverage is designed to pay for damages to your ATV or motorcycle that were not caused by a collision with another auto, as well as any losses due to vandalism, theft, fires, earthquakes, floods, and other causes. Similar to collision insurance, the amount of comprehensive insurance coverage you have will depend on your deductible.

Choose us for your motorcycle insurance needs!

Mountainview Insurance is a motorcycle and ATV insurance broker that offers a wide range of insurance products with varying levels of coverage. If you are looking to purchase ATV insurance or motorcycle insurance in Abbotsford, BC, get in touch with our friendly team of insurance brokers today. We would love to help you with buying the best policy for your specific insurance coverage needs.

Frequently Asked Motorcycle Insurance Questions

Can you insure a motorcycle without a licence in BC?

Yes, you can own a motorcycle and insure it without having a licence; however, you cannot legally drive a motorcycle without the proper licence.

Can you ride another motorcycle on your insurance?

In most cases, only a fully comprehensive motorcycle insurance policy will cover you to ride another bike with the minimum legal insurance.

Should you insure your motorcycle?

In BC, it is illegal to operate a motorcycle without insurance. Make sure to speak with your insurance provider to find the best policy for your wants and needs.

Is it cheaper to insure a motorcycle than a car?

Motorcycle insurance tends to be cheaper than auto insurance; however, it can still be quite expensive. The main factors that will determine how much it will cost for your to insure a motorcycle are where you live, your age, and the type of motorcycle you own.

Can you add a motorcycle to your car insurance?

Combining your car and motorcycle insurance policies can provide you with a wide range of benefits. Make sure to talk to your insurance provider to find out how combining your policies can benefit you.

Can two people insure the same motorcycle?

Yes. Similar to insuring a car, motorcycles can be insured by two different people and the policies can vary based on the needs of each individual motorcyclist.

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