MOTORCYCLE INSURANCE IN ALBERTA
There’s a unique thrill that accompanies straddling the seat of a motorcycle, the rumbling engine beneath you, and the open road stretching out ahead.
For motorcycle enthusiasts, the thrill of the ride goes beyond mere transportation; it becomes a liberating experience that stirs the soul.
Whether you ride for pure fun or for practical reasons, it’s essential to acknowledge that motorcycles are more vulnerable on the road compared to other vehicles. While statistics indicate that the risk of being at fault in an accident is relatively low, it’s important to recognize that motorcyclists face a higher likelihood of being involved in accidents caused by other vehicles. This heightened risk makes it crucial to prioritize safety and protection.
To ensure a safe and blissful ride, finding the most comprehensive motorcycle insurance is paramount. By selecting a reliable insurance policy, you not only safeguard yourself and your bike but also gain peace of mind while exploring the open road.
Safeguard yourself and your bike with the help of our brokers.
Motorcycle Insurance is Mandatory in Alberta
The provincial government recognizes the increased vulnerability of motorcyclists and aims to promote a safer riding environment by requiring riders to have adequate insurance coverage. This mandatory insurance helps safeguard riders from financial losses arising from accidents, injuries, or damages caused to others.
Mandatory Coverage
Third-Party Liability – Third-party liability insurance provides coverage for individuals or businesses against legal claims made by third parties for injury or property damage caused by the insured party while operating a vehicle. This coverage helps protect innocent parties from financial losses resulting from accidents where the insured is at fault.
Accident Benefits – This insurance provides coverage for medical expenses, rehabilitation costs, income replacement, and other necessary benefits to the policyholder and passengers injured in an accident, regardless of who is at fault. It is designed to support the recovery and well-being of insured individuals after an accident, ensuring that they receive essential financial assistance for medical treatments, lost wages, and other associated expenses without having to pursue a legal claim against the at-fault party.
Optional Coverage
Collision Insurance – Also known as comprehensive insurance, collision insurance provides coverage for the policyholder’s vehicle in the event of damage or loss resulting from various incidents. This coverage is distinct from liability insurance, which focuses on covering damages to third parties involved in an accident.
Riding Gear – This insurance coverage extends to protect the valuable gear and equipment that motorcycle riders use, such as helmets, jackets, pants, gloves, boots, and other riding accessories. Since these items can be expensive and essential for a rider’s safety and comfort, having dedicated insurance coverage for them could be beneficial.
How Insurance Providers Calculate the Value of Motorcycle Insurance
When insuring your motorcycle, you’ll need to choose a declared value that sets the limit of coverage you want to purchase. Initially, this value may be based on the bill of sale, but it’s crucial to account for any modifications you’ve made to enhance its unique appeal. Additionally, consider the impact of depreciation over time. Several factors contribute to determining the value of your motorcycle, including its:
- Make
- Model
- Engine size
- Extent of customization
It’s essential to provide an accurate declared value, as any potential payout in the event of a total loss will be based on the fair market value at that time.
Working With a Commercial Insurance Broker
Working with an Alpine insurance broker to find the right motorcycle insurance coverage can be an invaluable and time-saving experience.
Our insurance brokers are experts in the field who act as intermediaries between insurance providers and customers, providing personalized guidance and advice. When seeking motorcycle insurance, our brokers take the time to understand your unique needs, riding habits, and budgetary constraints. They’ll leverage their knowledge of the insurance market to present you with a range of policy options from various reputable insurers. This ensures that you receive tailored coverage that best suits your requirements, whether it’s liability protection, collision coverage, comprehensive insurance, or additional features like roadside assistance.
Moreover, our insurance brokers can help you navigate the complexities of insurance jargon, clarify any doubts, and ensure you have a clear understanding of the terms and conditions. By working with one of our insurance brokers, you can have confidence knowing that your prized ride is safeguarded by a comprehensive policy that aligns perfectly with your preferences and priorities.
Calgary Motorcycle Insurance
You hop on your motorbike and take those fast corners as the wind whips your face; the feeling is exhilarating. Most bikers see their rides as a serious hobby and take care of themselves on the road. But, as you spend more time riding in the city or you take a longer journey to the mountains, you realize you can only control your own speed and decisions you make while driving. Other vehicles may not see you or won’t care as much, despite the risks.
While the cost of motorcycle insurance depends on your age, driving experience, and a few other factors, the money you spend on insuring yourself is worth every penny. You can’t predict what will happen on the road or if your bike is stolen.
Our brokers at Alpine will walk you through a list of benefits and pricing to make you feel more at ease on and off the road.
Alpine proudly serves Calgary and the following communities:
- Airdrie
- Cochrane
- Chestermere
- Strathmore
- Langdon
- Okotoks
- High River
- Surrounding area
Canmore Motorcycle Insurance
In Canmore, living or visiting the mountains takes you on a nature adventure. What better way to explore the backcountry or a marked trail than on your favorite Harley or Kawasaki. You want to go fast, experience those sweet turns, and turn heads.
Whether you’re riding in a group or going solo, having the proper insurance coverage makes the trip even more enjoyable. Whatever type of bike you have, be it standard or custom-built, our brokers will lead you to the best insurance provider for your needs.
Don’t let your fears of figuring out insurance leave you in the dust when it comes to protecting your ride and your pocket book. At Alpine, our brokers have spent hours helping people like yourself set-up their unique policy and feel confident about their plans and their choice to head out on the open road. We’ll do the hard work, so you can hop on your bike and ride off to your preferred destination.
Our Alpine brokers proudly work in the Canmore area, including:
- Banff
- Bragg Creek
- Surrounding communities
Edmonton Motorcycle Insurance
Getting the cheapest insurance for your motorbike doesn’t mean it’s the best choice for you. Every rider has a different bike, preference, and lifestyle. One policy doesn’t fit all, just like your bike isn’t for your co-worker who dreams of walking into work wearing a leather jacket and carrying a shiny helmet.
You want a tailored policy that fits like a glove (or a tight leather suit). Our highly qualified brokers can match you with one of the top insurance providers in the province to get you started.
Alpine Insurance professionals are available in the Edmonton area, including the following communities:
- Sherwood Park
- St. Albert
- Fort Saskatchewan
- Spruce Grove
- Leduc
- Nisku
Red Deer Motorcycle Insurance
You ride your motorbike for the thrill of it all, or you simply like to save on gas. It really is beneficial to the environment, they say. Whatever motivates you to get on your bike, there are just as many reasons to get insured. While we won’t give you an exhausted list of the risks of owning and riding a bike (you likely know already), having the best insurance policy will give you peace of mind so you can enjoy your bike to the fullest.
Why spend time stressing about what can happen when you can call our brokers today and get set-up with a customized insurance policy in a matter of minutes. It’s that easy!
At Alpine, our brokers live in the same communities that you do. We understand your concerns and we’re here to help in anyway. Have questions? Please call and ask.
Alpine’s expert staff proudly serves Red Deer and the following communities:
- Redwood
- Lacombe
- Blackfalds
- Sylvan Lake
- Rocky Mountain House
- Bowden
- Ponoka
- Surrounding areas
Lethbridge Motorcycle Insurance
You’re careening through the back roads at high speed when you run out of gas or a tire blows out. Being an experienced rider, you’ve got this. Or do you? Luckily you charged your phone and can call for assistance as you always ride where there is an internet connection. But, what if you decided bike insurance wasn’t a must-have? I mean, you only ride in the summer anyway. You stress about how much this is going to cost you, miles from home.
This is just one scenario among many that can happen to even the most organized and cautious motorbike rider. Why not secure your ride to the max and get the proper insurance before you head out for your ride? If you can afford leather chaps, you’re well on your way to full protection for your motorcycle rides around the city or on the back roads.
Secure your ride by speaking to an Alpine broker today. You won’t regret a thing.
Alpine proudly serves Lethbridge and the following communities:
- Fort MacLeod
- Taber
- Coaldale
- Picture Butte
- Magrath
- Pincher Creek
- Cardston
- Claresholm
Faust Motorcycle Insurance
What’s the best time to buy motorcycle insurance, you ask? While you’re busy selecting gear, taking safety courses, and learning the rules of the road, ask about a tailored insurance policy. It’s never too early to talk to your broker about your options, rates, and payment schedule. Once you get excited about your new adventures as a biker, you’ll have less time to make that call.
This is just one scenario among many that can happen to even the most organized and cautious motorbike rider. Why not secure your ride to the max and get the proper insurance before you head out for your ride? If you can afford leather chaps, you’re well on your way to full protection for your motorcycle rides around the city or on the back roads.
At Alpine, our brokers make it easy to get you rolling on the best insurance plan for your needs.
Along with Faust, Alpine proudly serves High Prairie, Slave Lake, Athabasca & surrounding communities. Give us a call today and we’ll be happy to help you in any way we can.
