How to Choose Motorcycle Insurance


Riding a motorcycle can be one of the most exhilarating experiences, especially when you get out into Alberta’s wide-open prairies.

As members of the Insurance Brokers Association of Alberta (IBAA), Capital Insurance Brokers is a full service independent brokerage offering a wide range of insurance and risk management services – whether it’s a chopper, cruiser, three-wheeler, scooter, or moped, be sure to always wear a helmet and have the right motorcycle insurance. Capital Insurance Brokers are here to help you make smart decisions and offer the following advice on purchasing motorcycle insurance.

First, making the decision to enroll in a Rider Training Course is a smart start – good training can reduce the chances that you will be involved in a motorcycle accident.

Insuring your bike is a significant expense, and you want to make sure you are getting a competitive rate – so answer the questions posed by the broker in honest and clear detail.

You also need to understand the details, so don’t be afraid to ask questions – a good broker will guide you through this decision-making process clearly, and will help to ensure you have reached a balance of coverage that fits you.

Rules and guidelines vary between companies, but some advice is fundamental like getting an airtight insurance quote before putting money down on a bike – there are a variety of factors that can affect your rate that has nothing to do with you the driver. Imagine buying the motorcycle of your dreams only to discover that no insurance company wants to insure it at all. As an example, sport bikes may be expensive or difficult to insure because they require a high level of experience and skill to ride. Bikes labeled “Rebuilt” are very difficult and expensive to insure, bikes that have aftermarket frames or engines are also red flags to many insurers. Best advice – do your homework and educate yourself about the style of bike you are interested in, then find a broker who can explain in detail what the insurance implications are.

Whether you’re a veteran rider or looking at buying your first bike, motorcyclists everywhere can benefit from taking a second look at their insurance company as well as their plan for handling an accident or a claim. If you get conflicting advice from brokers, be patient and make them explain themselves until you are fully satisfied that you understand. You, the customer, must demand nothing less.

Motorcycle insurance is the law and a smart idea in Edmonton. For value, peace of mind and personalized service, call Capital Insurance Brokers at 780-476-1600 or toll-free at 1-877-476-1601 to discuss your auto insurance needs and request a free, no-obligation quote.