Do electric motorcycles need insurance?

For motorists looking for environmentally friendly transportation options, electric motorcycles are becoming ever more popular amongst riders. Leading manufacturers like Harley Davidson, BMW, and Kawasaki are now offering e-bikes to customers, so you can get your dream motorcycle while helping the planet!

But, before you head out on the road, you'll need to make sure you and your bike are fully protected against unforeseen risks, which raises the question: do these types of e-bikes need insurance? Stick around to find out.

What is an electric motorcycle?

An electric motorcycle is a type of bike that is powered by an electric motor rather than traditional fuel. This means that rather than having to go to the gas station to fill up your tank now and then, owners can plug in their e-bike at home and charge it to full capacity within a couple of hours--just like an electric vehicle!

Unlike conventional motorbikes, e-bikes generally require less maintenance, given the nature of how they are constructed. Additionally, these types of bikes are less noisy to operate and more affordable in the long run. And, because they're electric, you may qualify for a government rebate, which can help you save money on your initial purchase. If you're in the market for a new bike, consider an e-bike to be definitely worth it!

Are electric bikes and electric motorcycles the same thing?

No, an electric bike or e-bike and an electric motorcycle are not the same thing. But we can see how the two terms can get confusing! An electric motorcycle is like a traditional motorcycle in terms of appearance and operating rules. For example, you won't be allowed to ride your bike on the sidewalk. You'll also need to have a special licence if you want to ride it on public roads.

In contrast, e-bikes are like traditional bicycles. You don't need insurance to operate them; they're less expensive to purchase, and you can ride them on the sidewalk, depending on what province or territory you live in. Additionally, unlike a motorcycle, an e-bike can be operated by people aged 12 and older and bicycle insurance is not mandated by law.

Do I need insurance for my electric motorcycle?

Yes, electric motorcycles follow the same rules as traditional motorcycles when it comes to insurance. That said, the coverage and coverage limits will vary between insurance companies and the province or territory you live in. For example, in Ontario, the minimum third-party liability is $200,000, while in Manitoba, the minimum is $500,000. Make sure you know the regulations in your home province to ensure you're protected while on the road.

Electric motorcycle insurance options

Finding the right coverage for your electric motorcycle is similar to how you purchase car insurance. Typically, the following coverages will be offered by most insurance companies:

Third-party liability insurance

All motorcyclists must carry third-party liability insurance. Your liability insurance will protect you if you are involved in an automobile accident that injures or damages a third party's property. If you are sued, this provision of your insurance policy will cover legal fees, repairs, medical expenditures, and other expenses up to your policy limits.

Accident benefits coverage

Except for Newfoundland and Labrador residents, all riders are required to carry accident benefits coverage. This part of your motorcycle insurance will cover hospital bills, rehabilitation fees, and other expenses if you, your passengers, or pedestrians are injured in a collision, no matter who is at fault.

Uninsured motorist coverage

The final mandatory insurance policy for electric motorcycles is uninsured automobile insurance. If you are involved in a car accident with an at-fault motorist who is either uninsured or underinsured, this insurance coverage will cover the cost of vehicle repairs or replacement. It also provides coverage for policyholders who are involved in a hit-and-run accident where the other motorist(s) flee the scene before you are able to exchange contact information.

Collision coverage

Collision car coverage reimburses you for repair or replacement costs obtained as the outcome of a collision in which you are found to be at fault. Remember that, like traditional auto insurance, you must pay a deductible to your insurance company before the insurance will cover the remaining charges.

Comprehensive insurance

Comprehensive car coverage is another insurance policy offered for your e-bike that is not mandatory but still highly beneficial. Comprehensive coverage will reimburse you for replacement or repair costs if your bike is damaged during a non-collision accident. This coverage covers common risks such as theft, vandalism, damage caused by fire or falling objects, and some weather disasters. It is important to note that you will be required to pay a deductible to your insurance carrier before your coverage will cover the remainder of your fees, just like a collision policy.

Accident forgiveness insurance

One final type of optional insurance coverage popular among Canadian bikers is accident forgiveness. Accident forgiveness is additional coverage that can be added to your car insurance policy as an endorsement to protect your driving record and to help prevent your insurance premium from increasing if you have an at-fault accident claim.

Roadside assistance

Roadside assistance is another optional insurance policy you may want to consider as a rider. This policy offers emergency services to bikers around the clock, seven days a week. It covers towing, battery issues, tire repair, fuel, breakdown coverage, and more, based on the terms of the coverage you have. If you often head out on long-distance trips, roadside assistance can give you peace of mind, knowing that you're protected against unexpected challenges.

How much is electric bike insurance?

So, how much does electric motorcycle insurance cost? It varies between e-bike riders! Similar to how motor vehicle insurance is calculated, an insurance provider will take into account numerous factors to determine how much you'll need to pay for your policies.

Common factors include your driving experience, where you live, the type of insurance you want to buy, your driving history, claims history, and more. Therefore, if you want to save money on your policies, we recommend shopping around and comparing quotes from different providers. You can do this easily by working with an insurance broker.

Do you need a motorcycle licence for an electric motorcycle in Canada?

Yes, electric motorcycles still require a motorcycle driver's licence, which requires motorists to complete a driving course with a written and road test before they are able to operate the motorcycle on public roads. Keep in mind that the licensing requirements may vary between provinces and territories.

Get affordable coverage with BrokerLink

At BrokerLink, we help motorcycle owners find affordable, customised insurance tailored to their unique needs. Our experienced brokers have access to multiple auto insurance policies from some of Canada's top insurance companies, allowing them to shop around for coverage options, compare quotes, and unlock potential discounts that can lower your premiums.

If you're interested in getting electric motorcycle insurance, don't hesitate to come into one of our many locations across Canada! If there's no BrokerLink in your neighbourhood, you can still contact us over the phone to speak with a broker about your insurance needs.

Alternatively, if you're still browsing, take advantage of our online quote tool to get a free competitive quote within minutes!

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FAQs about electric motorcycles

What is civil liability?

Civil liability is a type of mandatory auto policy for all motorists living in Quebec. It essentially ensures that you'll be reimbursed if your motorcycle is damaged by another party.

Do I need motorcycle insurance year-round?

A common motorcycle insurance myth is that motorcyclists should cancel their policies throughout the colder months since year-round motorcycle insurance is unnecessary and a waste of money. The fact is that putting your bike in a storage unit or garage for wintertime will not guarantee that it will be secure. With extreme weather, the risk of vandalism and theft, along with other hazards if you are not carrying adequate coverage for your motorcycle, you face having to foot the bill for repairs or replacement yourself. You may opt to reduce your coverage to comprehensive only or ask your insurer if their rates reflect only using your motorcycle for six months.

How can I be safe while riding my motorcycle?

Motorcycle riding safety is essential for all riders, regardless of whether you're operating a traditional motorcycle or an electric bike. This starts with wearing protective gear like a helmet. We also recommend you wear thick clothing, as being on a motorcycle makes you vulnerable to injuries. Another way to protect yourself is to start by riding on quiet residential routes until you're more comfortable around traffic if you're new to riding. We also recommend riding in groups with experienced riders to make yourself more noticeable to other motorists and to gain more confidence. Lastly, we suggest providing plenty of space on the road to reduce your chances of getting into an accident.

How can I be safe while sharing the road with motorcycles?

Because motorcyclists are more vulnerable than those operating motor vehicles on the road, it's essential for cars to share the road with motorcycles in a respectful manner to ensure everyone's safety. As a motorist, you should be mindful of your blind spots. Motorcycles are small and may be less noticeable than other vehicles. Another way to keep bikers safe is to give them sufficient room to travel. There must be at least two car lengths in front of you to ensure you have enough space to react if something occurs. Lastly, stay away from distractions like your phone or GPS. Distractions are a leading cause of car accidents. Regardless of whether you're sharing the road with motorcycles or not, keeping your focus on the road is vital.

What are the benefits of owning a motorcycle?

If you're thinking about buying a motorcycle but aren't exactly sure whether this type of purchase is worth your investment, you'll be happy to know that there are numerous benefits to motorcycle riding in Canada. However, we think the most notable benefit is that it allows you to experience parts of Canada in a more unique way. Feeling the warm sun on your skin and the breeze through your helmet can make you appreciate the great outdoors in a way you never had previously, like motorcycle routes around Alberta. Additionally, it's also a great way to learn a new skill and meet new people who share your enthusiasm for riding!

What are some group motorcycle travelling tips for beginners?

If you ride motorcycles, you may want to travel in groups with other riders throughout the year as an enthusiast getaway. However, because there are going to be other drivers around you in addition to other motorcycles, group motorcycle safety is essential. When you leave, ensure that you know where you're going and exchange your number with the other group members to make sure you can contact them if something goes wrong or if you get separated from your group. Remember to fill up your gas tank or charge your battery and examine your bike thoroughly before hitting the road. Likewise, throughout your tour, we recommend placing the more experienced riders ahead of the rest of the riders in your group, as it will help you keep a steady speed and give you more confidence while on the road.

Do you need a licence plate to drive an electric motorcycle bike in Ontario?

Yes, because you're operating your electric motorcycle on public roads in Ontario, you need to follow the traffic laws set by the province. In Ontario, all motorists must display their licence plate on the vehicle and ensure that it is completely visible at all times. Otherwise, you can be ticketed and get demerit points on your licence.

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