Best Motorcycle Insurance BC
If you are one of the many bike-enthusiasts in British Columbia, you will be in the market for motorcycle insurance at some point. Motorcycle insurance is legally required in BC. Everyone in BC must have basic coverage with ICBC. But, many great private motorcycle insurance companies offer extended coverage. One of the best ways to find motorcycle coverage in British Columbia is through Kanetix.
Kanetix is essentially an insurance broker that helps Canadians find the best insurance coverage. If you want to look for motorcycle insurance or auto insurance in Canada, you can use Kanetix. Kanetix allows you to search through a database of insurance providers to find the best offer for you.
Kanetix partners with a variety of providers to offer different types of coverage options. They offer options for motorcycle insurance, car insurance, or even insurance for your home, pet, business, or travel.
If you are looking for motorcycle insurance on Kanetix, select that option on their home page. Then, you need to input some personal information such as your:
- Driver license number.
- Your driving history.
- Your past insurance information.
You will also need to decide what type of liability coverage you want your motorcycle insurance policy to have as well as deciding whether you want any optional coverage options.
Kanetix will then show you the motorcycle insurance options available in your area that meet your criteria. You can then select a motorcycle insurance policy from the list by simply calling a Kanetix insurance broker with your choice. Head to Kanetix.ca today to thoroughly explore your motorcycle insurance options with no pressure!
Different Types of Motorcycle Insurance BC
In British Columbia, there are essentially two types of motorcycle insurance. Motorcycle insurance in BC can be the Basic Autoplan from ICBC or a comprehensive plan.
Any motorist, including motorbike riders, must have ICBC Basic Autoplan insurance. The ICBC insurance plan is, however, called basic for a reason. It has accident benefits up to $300,000 for medical costs. It also has third party coverage up to $200,000. The accident benefits and third party coverage that ICBC offers may seem like enough. But, if you got into an accident, even in riding gear, comprehensive coverage would help you more.
Comprehensive coverage is available from ICBC as an add-on. Or, you could get motorcycle insurance, often for a lower price, from a private company through Kanetix. Comprehensive insurance will not only cover things like your medical or damage costs. It will also other things like riding gear coverage, lock re-keying, and emergency roadside assistance.
The Importance of Motorcycle Insurance BC
Although many motorists opt for the ICBC insurance alone to meet the minimum legal requirements, it is often not enough. British Columbia has so many beautiful roads to drive down on a bike. You don’t want to spend your time worrying about your safety or your bike’s safety. Instead, get comprehensive motorcycle insurance to give you peace of mind.
Comprehensive coverage is aptly named as it will cover problems you never even anticipated having. It’s impossible to plan against accidents happening. But, having comprehensive insurance will help you be prepared if they do. You will especially be covered and ready for accidents or occurrences that are out of your control. Such as your bike being damaged from a storm or from a motorist that wasn’t paying attention.
Motorcyclists are 38% more likely to be killed on the road than car drivers. This is because you are more exposed to the elements, and you don’t have the protection that being inside a car offers. Thus, having motorcycle insurance is important to protect not only your bike but you as the rider.
Contributing Factors Towards Motorcycle Insurance Cost BC
Just like with insurance for cars, there are a variety of factors that contribute to how much your motorcycle insurance costs. One of the main factors is the size of your bike’s engine. If it’s over 1150cc, for example, expect to pay a lot more than a bike that’s only 110cc.
Another big factor is your history with your past insurance company and your driving history. If you have a rocky past such as plenty of accidents, tickets, big insurance claims, etc. your premium will be higher.
Lastly, if you want more coverage, expect to pay a higher premium to get it.
The Bottom Line
Although BC law only requires motorcyclists to have basic insurance from ICBC, it’s often not enough. Opting for comprehensive insurance, in addition, is often the best choice to keep both you and your bike safe.
Using Kanetix is a great way to find an insurance policy that suits your needs at a great rate. It is a free service, and it will save you the time of contacting insurance providers yourself. Head to Kanetix.ca today to see all the great insurance providers in BC. Drive safe!