Insurance for scooters

Whether you're living in a bustling downtown core or looking to save on gas, driving a scooter is a great way to get from point A to B each day. While some insurance providers in Canada offer specific coverage options for those who ride a scooter or moped, others insure these types of vehicles under the umbrella of motorcycle insurance.

Whether you currently own a scooter or are thinking of purchasing one in the future, knowing what type of car insurance you need is an absolute must. So, to learn more about scooter insurance, keep reading!

What is the difference between a scooter and a motorcycle?

Although both scooters and motorcycles are two-wheeled vehicles, there is a key difference between the two. One is the engine size, and the other is the top speed offered by each model.

For example, a scooter and moped have an engine that maxes out at about 50 cc (cubic centimetres), whereas a motorcycle has an engine size that can range between 50 cc and 250 cc. With these differences in engine size, a scooter and a moped only have a maximum speed of around 45 kilometres an hour and are not suitable for use on highways.

In contrast, a motorcycle can travel up to 150 kilometres an hour, depending on the size of the engine. It's also important to mention that when referring to a scooter, we aren't talking about an electric scooter, also known as an e-scooter. E-scooters do not require a driver's licence or need to follow standard insurance laws to operate like other vehicles.

What type of insurance coverage do I need for my scooter?

To ensure that you have peace of mind throughout your riding experience, having the right scooter insurance in place can make a world of difference. Similar to insurance for other motorists on the road, here is a closer look at the types of auto insurance you'll find under a standard scooter/motorcycle insurance policy:

Third-party liability coverage

Third-party liability insurance is a type of car insurance policy that is mandatory for all Canadians who operate a motor vehicle on public roads. With liability coverage, you'll be protected in the event you cause bodily injury or damage to someone else's property while operating your scooter or moped. With liability coverage, your insurance company will pay for the cost of medical bills, legal fees, and other expenses that may arise from a third-party claim where you are being held responsible for damages.

Accident benefits coverage

Accident benefits coverage is another type of mandatory insurance in most provinces and territories. With this coverage, you'll be compensated by your insurance company if you, passengers, or other motorists suffer a bodily injury during an accident, regardless of who is found at fault. Accident benefits, medical bills, lost income, funeral costs, and other expenses will be covered and are meant to ensure you receive support following a collision.

Uninsured motorist coverage

Uninsured motorist coverage is also an essential part of scooter and moped insurance. When you buy insurance, this policy will be mandatory to add to your overall coverage. The purpose of uninsured motorist insurance is to ensure you are protected in the event you are involved in an accident with a driver who does not have insurance or does not have enough insurance to cover the cost of medical expenses and other costs that may arise. It also offers full coverage if the other driver flees the scene of the accident before you are able to exchange contact and insurance information.

Direct compensation property damage coverage

Direct compensation - property damage is only mandatory in some areas of Canada. As of January 2024, those in Ontario are now able to opt out of this insurance policy should they wish to do so.

If you are involved in an accident where the other driver is found at fault, direct compensation insurance allows you to deal directly with your own insurance company, rather than the other driver's, to ensure that you receive prompt compensation for any injuries or damages. It essentially removes the middleman from the situation to make the claims process easier for you.

Collision coverage

Collision car coverage is an optional motorcycle insurance policy. With collision coverage, you'll be reimbursed by your insurance provider if your scooter, moped, or motorcycle is damaged in a collision. This policy covers the cost of repairs or replacements and requires policyholders to pay a deductible before their motorcycle insurance kicks in to cover the rest.

Comprehensive coverage

Another optional policy is comprehensive insurance. With comprehensive car coverage, insurance companies will cover the cost of repairs or replacements if your bike is damaged due to a non-collision event. For example, whether it be theft, vandalism, or damage due to a fallen tree, you'll be covered once you pay your deductible.

Accident forgiveness

Accident forgiveness is a one-time policy that can be added to your motorcycle insurance policies. Normally, following an at-fault car accident, your insurance rates will increase. However, with accident forgiveness in place, you can avoid a premium increase following your first at-fault collision. Once you use this policy, you will no longer be able to add it to your motorcycle insurance again.

Is there a difference between scooter insurance and motorcycle insurance coverage?

No, motorcycle insurance and scooter insurance are the same thing. While some insurance companies may have separate policies for scooters, you can rest assured knowing that it will have the same benefits as motorcycle insurance coverage.

What driver's licence do I need to operate a scooter?

The type of driver's licence you need to operate a scooter will depend on the province or territory in which you live. For example, in Ontario, a motorcycle licence is required, while in British Columbia, you'll only need a Class 5 licence.

How much does scooter insurance cost?

The cost of scooter insurance will depend on your unique circumstances, including your age, driving experience, type of scooter, how much insurance you purchase, your claims history, and more. To receive a custom quote, we recommend reaching out to different providers directly or using online quote tools you can find on each provider's website.

Are there ways that I can save on my scooter and moped insurance?

To save on car insurance or scooter insurance, we recommend asking your provider whether you qualify for any discounts to help you save money on your premium. You can also take a look at the policies you choose and determine whether optional coverage, like comprehensive coverage or collision coverage, is something you want to add to your plan.

Further, you might want to consider bundling your bicycles and home insurance. Most companies offer savings to those who have more than one type of coverage with them. And don't forget to shop around and get quotes from different insurance providers so you can find coverage that meets your needs and budget!

Contact BrokerLink for affordable insurance coverage

BrokerLink is your one-stop shop if you need insurance. Whether it be bicycle insurance, electric car insurance, or other types of coverage, rest assured that our brokers will work closely with you to ensure you find the right coverage for you and your scooters.

Do you have questions about safe driving? Check out our safe driving tips to ensure your safety while riding your scooter and sharing the roads with bicycles! You can work with us in person or contact us over the phone! Alternatively, you can get a free insurance quote using our online quote tool!

1-866-724-2372

FAQs about insurance for scooters

Do you need insurance for a scooter in Canada?

Yes, if you operate a motorcycle, scooter, or moped on the road in Canada, you will need to be covered by insurance as required by law.

What should I do if I'm in an accident?

Unsure what to do if you’re in a car accident? Don't panic. The first thing you need to do is remain calm and determine whether you or others involved have suffered any injuries. Next, determine whether reporting a car accident to the police is required in your situation based on the province or territory where the collision has occurred. Afterwards, you'll need to call your insurance provider and open a claim for any injury or property damage that has occurred.

What happens if I don't report an accident?

Not reporting a car accident can lead to serious consequences. Not only can you get demerit points on your licence, but you may also have your licence suspended. In more serious cases, you could face monetary fines and be charged under the Criminal Code of Canada.

If you have any questions, contact one of our local branches.