Motorcycle Insurance

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HWI / Auto Insurance / Motorcycle Insurance

Saskatchewan Motorcycle Insurance: Protect Your Ride

Enjoy the open road with insurance designed specifically for Saskatchewan riders. From cruisers to sport bikes, we offer tailored coverage for collision, liability, and specialized gear so you can ride with total peace of mind.

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What Does Motorcycle Insurance Typically Cover?

Your insurance policy typically provides these essential protections:

 

Recreational Vehicle Coverage


Deductible Options:

Lower your out-of-pocket costs in the event of a claim by choosing an extension deductible that fits your budget. Deductible availability depends on your motorcycle’s rate group:

Coverage Type Standard Options
Collision or Upset $100, $200, $350, $500
Comprehensive
(fire, theft, wildlife, vandalism)		 $50, $100, $200, $350, $500

Note: For higher-valued motorcycles, Sandbox and My Mutual require underwriting approval for values exceeding $125,000.

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Windshield & Glass Protection:

It is a common question for riders: Does my policy cover my windscreen? While standard autos use Road Hazard Glass, this specific endorsement is generally not available for motorcycles in Saskatchewan.

However, you aren’t without protection. Damage to your motorcycle’s glass or windscreen caused by flying debris (like stones) is typically covered under your Comprehensive coverage. In the event of a claim, your standard policy deductible would apply rather than a specialized glass-only deductible.

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Storage Coverage:

Protect your bike during the off-season with Unlicensed (In Storage) coverage. Even when your plate is cancelled, your policy continues to provide protection against comprehensive perils like fire, theft, and vandalism while your motorcycle is parked for the winter.

*If you need to move your bike, remember to obtain a temporary permit to ensure your full policy coverage applies during transit.

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Personal Liability:

Your basic plate insurance only provides $200,000 in liability. Most riders choose $2 million to $5 million in excess coverage to protect against major lawsuits.

This is especially important if you drive in the United States or in provinces with coverage rules different from Saskatchewan’s no-fault system.

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IMPORTANT NOTE


Motorcycle Accident Benefits: 

It is important to note that extension policies for motorcycles do not offer increased accident benefits. When operating a motorcycle, you are covered by the benefits selected during your plate registration.

In Saskatchewan, this typically refers to the “No-Fault“ coverage provided by the Auto Fund.

Guide to Reduced No-Fault Injury by SGI →

We work with Saskatchewan’s leading auto insurers:


SGI Canada | Sandbox Mutual | Portage Mutual | My Mutual

As an independent broker, we shop multiple markets to find you the best coverage at competitive rates.

Quick & Easy Online Registration Management

 Renew Motorcycle Registration | Purchase 24 Hour & 8 Day Permits

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We provide tailored insurance solutions for your specialized vehicles:

Protect your investment with agreed-value coverage tailored to the unique needs of collectors and vintage enthusiasts.

Robust protection for your all-terrain vehicles, covering physical damage and liability so you can explore the outdoors with confidence.

Specialized coverage for off-road motorcycles, providing essential protection for your bike and liability on and off the trail.

Winter-ready coverage for your sled. Protect against theft and damage while ensuring you have the right liability for the trails.

Comprehensive protection for your home-on-the-road, covering the unit while it is in storage or out exploring. Get coverage for wind, hail, and more.

Motorcycle Insurance Frequently Asked Questions

Is motorcycle insurance mandatory in Saskatchewan?

Yes. To ride on public roads, you must have basic plate or active permit insurance through SGI. 

How do I keep my motorcycle covered while it is in winter storage?

Even if you cancel your plates for the winter, you can keep your extension policy active as “in storage” coverage. This protects your bike against “comprehensive perils” while it’s parked, such as fire, theft, and falling objects. 

Can I get a rental bike if my motorcycle is in the shop after an accident?

Unlike auto insurance, “Loss of Use” (which pays for a rental vehicle) is not available for motorcycles in Saskatchewan. If your bike is being repaired after a claim, you won’t be provided with a temporary replacement vehicle through your insurance policy.

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