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High Risk Auto Insurance

Motorcycle Insurance

Whether you’re covering a motorcycle, cruiser, tourer, sports bike, or city scooter, stay protected and in control with the right motorcycle Insurance.

The motorcycle you ride and the way you ride it is unique. That’s why, we take the time to see you as an individual and provide you with a customised quote to fit your needs. For motorcycle insurance that values you for who you are, get in touch.

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Get a Motorcycle insurance quote online

Find the right coverage for you.

Choose between Comprehensive with Fire & Theft included, or Third Party Property Damage which comes with the option to insure your motorcycle for Fire & Theft as an optional extra.

Most Protection

Full Coverage Insurance

Cover for loss or damage to your car, plus all the mandatory coverages required for the Province of Ontario.

+ OPCF #20
Loss of Use: Temporary replacement vehicle

+ OPCF #27
Liability for Damage to Non-owned Automobiles

+ APE
Accidental Protection Endorsement: Forgives your first at-fault accident

*Conditions apply

Peace of Mind

Third Party Fire & Theft
Protection

All the mandatory coverages for the Province of Ontario plus additional Comprehensive Coverage.

Comprehensive Coverage covers the following:
+Fire
+Theft
+ Vandalism
+ Acts of God
(Animal Impact, lightning strikes.)
*Conditions apply

Just the Essentials

Third Party
Liability Only

All the mandatory coverages for the Province of Ontario and minimum Liability Limit of $200,000.

A minimum Liability of $1,000,000 is recommended.

Most Protection

Full Coverage Insurance

Cover for loss or damage to your car, plus all the mandatory coverages required for the Province of Ontario.

+ OPCF #20
Loss of Use: Temporary replacement vehicle

+ OPCF #27
Liability for Damage to Non-owned Automobiles

+ APE
Accidental Protection Endorsement: Forgives your first at-fault accident

*Conditions apply

Peace of Mind

Third Party Fire & Theft
Protection

All the mandatory coverages for the Province of Ontario plus additional Comprehensive Coverage.

Comprehensive Coverage covers the following:
+Fire
+Theft
+ Vandalism
+ Acts of God
(Animal Impact, lightning strikes.)
*Conditions apply

Just the Essentials

Third Party
Liability Only

All the mandatory coverages for the Province of Ontario and minimum Liability Limit of $200,000.

A minimum Liability of $1,000,000 is recommended.
Features, benefits, and coverages.

We provide an easy method for you to receive competitive insurance quotes from a network of insurance companies.

If your motorcycle insurance requirements are unusual, high risk or even unique, we have access to motorcycle insurance solutions that you will not find available elsewhere.

An Ontario motorcycle policy covers:

Direct compensation property damage

Seasonal coverge for seasonal use of your motorcycle

Uninsured motorists

Extended liability as an option

Accident benefits as an extended option

If you’re a Food Delivery Driver in Ontario, we have you covered.

High Risk Auto Pros offers auto insurance solutions for Food Delivery Drivers who use their personal vehicles for food delivery services.

Frequently Asked Questions.

Car Insurance is a safety net to protect you and your family’s financial well-being in the case of an accident, collision or an unexpected loss. It is a legal arrangement that guarantees financial support in the event of a covered accident or incident.

The cost of car insurance will depend on the type of cover you hold. (for example: Third Party Property, Third Party Fire & Theft or Comprehensive), It will also depend on how risky you are to insure, meaning premiums can vary.

When using our online quoting system, we ask you specific questions to help you find coverage that suits your individual needs and budget.

Details that impact your premiums include:

  • Your claims history
  • Where you live
  • Where your car is parked (for example: in a locked garage or on the street)
  • Your driving history (and the driving history of other drivers listed).

‘Extras’ are inclusions or perks that are bundled into your car insurance policies. Some of these extras or  ‘benefits’ are:

  • Hire car cover. Your insurer may provide you with a hire car when your vehicle is being repaired or replaced.
  • Roadside assistance. Your insurer may cover the cost of roadside assistance.
  • Replacement keys. Your insurance provider may cover the cost to replace your keys if you were to lose them.
  • Windscreen cover. Your insurer may cover the cost of repairs or replacement, including cracks to your windscreen.
  • Personal effects cover. Your insurer may cover the cost to replace your valuables in your car (up to a certain value).

Deductible is the amount you’ll pay your insurer when you make a claim on your policy. This deductible is agreed upon when you first purchase the policy. When you make a claim, you will pay this amount, while your insurer will pay the rest of your repair/replacement costs up to the agreed amount on your policy. Most drivers have a $500 deductible. In Ontario, the standard deductible offered by insurance companies is $500 for collision and $300 for comprehensive.

There are different types of car deductibles:

  • Standard deductible. This is paid out of pocket when you make a claim.
  • Voluntary deductibles. This is paid in addition to your other deductibles charges, sometimes for a cheaper premium.

If you are not-at-fault in a collision or an accident, you may not be required to pay the deductible. However, there is an exception to this rule. When the at-fault party is not identified, for example, say you’re involved in a hit and run and the guilty party is not found or identified, you may still be required to pay the deductible.

You can choose various levels of coverage, depending on how much protection you want for your car insurance:

  • Collision and Upset coverage protects you from costs to repair damage to your vehicle caused by impact with another vehicle or an object such as a guardrail.
  • “Coverage against perils other than collision or upset”, previously called Comprehensive, protects you from costs to repair damage to your vehicle from unexpected situations such as fire, theft, vandalism or natural disasters.
  • All Perils protection combines both of the above coverages.
  • Specific Perils coverage protects your vehicle only against specific dangers, such as theft or attempted theft, some natural disasters, riots or civil disturbances.
For expert advice and a motorcycle insurance quote that’s right for you

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