We know the open road beckons to motorcycle owners — it’s nigh on impossible to resist that call. You’re passionate, you’ve invested your time and energy; now
it’s our turn to provide you security.
Our Western Coast insurance advisors start with mandatory ICBC coverage and can then advance your policy to the next level. We’re about the best coverage, because you and your ride are
In British Columbia, basic Autoplan (ICBC) is the minimum insurance coverage required by law to operate a motorcycle. From there, optional coverage is available for optimized protection.
Let's start with Motorcycle autoplan
What does it include?
If you’re at-fault in a collision and another motorist makes a claim against you, your third-party liability protects you up to $200,000 of their injury costs and vehicle damage.
Autoplan Accident Benefits help you, your passengers and members of your household with medical costs, lost wages and more if you’re injured in a collision — even if
Basic Underinsured Motorist Protection (UMP) covers you and members of your household for claims of up to $1 million per insured person, if an at-fault party lacks the coverage to pay for
your damages and/or injuries.
With hit-and-run coverage, your bike is protected in the event it is damaged.
Alright, are there any items not covered with basic Motorcycle Autoplan?
Basic Motorcycle Autoplan excludes collision and comprehensive coverage, as well as third-party liability over $200,000. Additional coverage is available through ICBC and through our optional
Western Coast motorcycle product, which offers the same options, as well as features not found anywhere else.
Now this is next level insurance
Next level Western Coast insurance coverage
What does it include?
Are you an experienced motorcycle rider with a good driving record? If so, you may be eligible for our innovative product at highly competitive rates* so you can set off down the highway.
Why should you choose our motorcycle insurance?
You’ll get replacement cost for bikes two model years or newer.
We insure bikes three model years and older on a declared value basis.
Winter coming? Our coverage automatically converts to a storage policy. Cancel the ICBC portion of your insurance and you’ll be protected via your Western Coast policy until you rev
up. Emergency roadside service up to $200 per policy term is included (free of charge with no deductible).
We include $3,000 of coverage for riding gear and a helmet in your policy at no charge.
You must have 10 years motor vehicle driving experience and three or more years experience with a Class 6 motorcycle license.
You must also be accident free (at-fault collisions) on a motorcycle for the past three years.
How can I save money on my policy?
Are you eligible? Find out below
Are you an active member of a registered riding club? Discounts are offered, yet you must attend the meetings, rides and events — online membership alone does not qualify.
If you’ve taken any formal riding training — either government sponsored or private.
If you have 15 or more years with a Class 6 motorcycle license.
Once you leave our offices, you will have all the coverage needed to protect your ride.
*Subject to policy terms & conditions
Western Coast Insurance Services Ltd. is a wholly-owned division of Western Financial Group Ltd. Insurance products are underwritten by certain licensed insurance companies and are only
available throughout British Columbia, Canada.