Your local BC motorcycle insurance broker
From weekday rides to a weekend on the Island, protect the motorcycle and the freedom you enjoy. Western Coast helps you arrange ICBC Basic Autoplan and compare available optional coverage for your bike, riding gear and time off the road.
Start online. A Western Coast insurance expert will call to help.
Buying a bike or ready to ride? 1-888-517-7171
Motorcycle insurance, made clearer
Motorcycle insurance in British Columbia starts with mandatory ICBC Basic Autoplan for road use. Optional insurance adds protection such as collision, theft and higher liability limits. Western Coast helps you understand how these pieces work together, whether you are buying your first bike or reviewing an experienced rider’s policy.
A commuter in Vancouver, a touring rider heading up Vancouver Island and an owner storing a bike for winter can have very different needs. We review your motorcycle, licence experience, riding plans and storage arrangements, then explain the available ICBC and private optional choices. You can compare the protection as well as the price.
Get started with Western Coast
Choose how you would like to connect. We’ll ask about you and your motorcycle, review the coverage you need and help you confirm your next step before you ride.
Tell us how to reach you. An insurance expert will follow up for your motorcycle details, riding experience, coverage needs and preferred start date.
Start my motorcycle quoteYour request does not activate insurance. Your broker will confirm the coverage and effective date.Buying a motorcycle, renewing your policy or taking your bike out of storage? Call our team during business hours to discuss your options.
Call 1-888-517-7171Have your licence, registration and current policy nearby, if available.Visit a Western Coast broker for help with your ICBC insurance and available optional motorcycle coverage. Bring your questions and vehicle documents.
Find my brokerCheck your local office’s hours and document requirements before visiting.Planning your first ride of the season? Confirm your road-use insurance is active before you head out. A quote request or storage policy does not put you back on the road.
For your bike and your next chapter
A different motorcycle, a longer commute or a change in your riding season can affect your insurance. Tell Western Coast what is ahead so we can help you review the right details.
Check your licence and road-use requirements, then compare protection for the bike itself. Ask about insurance before you commit to a purchase.
Start my motorcycle quoteReview your motorcycle’s current value, deductibles and optional benefits. Compare the full cost of your ICBC and private coverage together.
Review my motorcycle insuranceTell us about your usual rides and where the bike is kept. Occasional use still needs the right coverage whenever you take it onto the road.
Discuss my riding plansShare how often you commute and any business use. Your insurer needs an accurate description of how the motorcycle is used.
Check my coverageBefore a longer trip, review liability limits, policy territory, roadside help and your riding gear. Tell us if you plan to cross into the United States.
Review travel questionsKeep receipts and tell us about changes to your motorcycle. Custom equipment can affect its value, eligibility and the protection available.
Ask about custom equipmentA new licence stage, a long break or a different type of bike can change your options. We’ll help check the insurer’s current requirements.
Explore rider eligibilityReview protection against insured theft, fire and other damage while parked. Confirm the transition before cancelling or changing road-use coverage.
Plan seasonal coverageUnderstand your protection
Your protection may combine mandatory ICBC insurance with optional coverages from ICBC or an eligible private insurer. Western Coast helps you check the limits, deductibles and settlement terms for each part.
Basic Autoplan is the starting point. It does not replace collision or comprehensive protection for your motorcycle. Check what would pay for your own bike after an at-fault crash, theft or fire.
On smaller screens, scroll sideways to compare all three columns.
| Coverage to review | What it can help with | What to check with your broker |
|---|---|---|
| ICBC Basic Autoplan | Required road-use protection, including Basic liability and eligible vehicle damage coverage; Enhanced Care provides injury benefits for BC residents. | Your correct use and licence details, who rides, and the scope of Basic protection. |
| Higher liability limits | Additional protection for covered claims where you are legally responsible, including situations outside BC or damage to non-vehicle property. | Available limits, travel plans and how optional liability works with your Basic policy. |
| Collision | Insured damage to your motorcycle from a crash, including when you are responsible. | Deductible, repair or total-loss settlement, towing and the circumstances covered. |
| Comprehensive | Insured non-collision losses such as theft, vandalism, fire and certain weather damage. | Deductible, exclusions, security or storage requirements and the insured value. |
| Gear, accessories & extra benefits | Available protection for riding gear, custom equipment, roadside assistance or other motorcycle-specific needs. | What is included versus optional, per-item and total limits, and the events that trigger a benefit. |
Availability and coverage vary by insurer and policy. Storage protection and replacement-cost options require a separate review. Limits, deductibles, eligibility, conditions and exclusions apply.
Bring us your questions. We’ll help you understand what each quote includes.
Compare motorcycle insurance optionsRiding and storing in British Columbia
Coastal weather, seasonal riding and trips beyond your usual routes bring different questions. Review these details before the next ride or the next change to your policy.
A parked motorcycle can still be stolen or damaged. Some optional products provide storage benefits, while other arrangements need a separate policy or change. Confirm the dates, location and conditions before ending road-use insurance.
“What stays insured in storage, and what must I do before riding again?”
Where you keep your motorcycle matters. Review comprehensive protection for losses such as theft, fire or storm damage, and disclose shared garages, outdoor parking and any security devices.
“What protection applies where I park, and what limits or security conditions should I know?”
A weekend on the Island and a longer ride into the United States can call for different planning. Review your liability limit, coverage territory, roadside arrangements and separate travel medical insurance.
“Does each policy cover my route, and what support is available if my motorcycle cannot continue?”
Motorcycle insurance is not a maintenance warranty. Normal wear and mechanical breakdown are generally excluded. Racing, track use, delivery work, undeclared modifications and riding outside licence conditions can affect coverage. Tell your broker before these activities or changes begin. Storage-only protection does not authorize road use.
Costs & potential savings
A quote based on your bike and riding history gives you a more useful answer than a generic average. Compare the combined cost of ICBC Basic and optional protection, then check the benefits and deductibles behind the price.
Why Western Coast
Western Coast combines local BC brokers with the support of Western Financial Group’s national network. We help you bring mandatory ICBC coverage and available optional motorcycle protection together, with advice you can return to when your riding plans change.
Understand which insurer covers each part of your protection, what is optional and how the deductibles and settlement terms differ.
From commuting in the Lower Mainland to touring the Island or storing your bike, we help you review the details that affect your protection.
Come back for renewals, a different motorcycle or a change in use. If you need to report a claim, we can help you identify the right insurer and next steps.
ICBC coverage, explained“Great place to get icbc insurance related services. There was no wait, staff spoke softly, everything was explained to me in detail.”
Vishal · Cambie
Richmond, BC
Helpful ICBC advice“Just helped me figure out what ICBC plan would work best and completed the paperwork quickly and easily.”
Larissa J. · Westshore
Victoria, BC
A positive renewal experience“I had a great experience renewing my car insurance with Akbar at Western Coast Insurance Services Ltd.”
Angelica · Admirals Walk
Victoria, BC
Questions answered“He was incredibly helpful, and answered all my questions. He went above and beyond and made the whole process a fun experience.”
Kim · Coquitlam
Coquitlam, BC
Selected customer service excerpts published on Western Coast’s broker pages. These describe customers’ insurance service experiences, not specifically motorcycle policies. Ellipses indicate shortened quotes. Individual experiences vary.
Local advice, close to home
Talk motorcycle insurance with a Western Coast team on Vancouver Island or in the Lower Mainland.
View all broker locations & hoursLooking for another location? Open the full broker locator or call 1-888-517-7171.
Good questions. Clear answers.
Clear answers about ICBC, private optional protection, costs and seasonal riding. Western Coast can help you check how the details apply to your motorcycle and the policies available to you.
Start my motorcycle insurance quoteWestern Coast can help you arrange ICBC Basic Autoplan and compare available optional motorcycle insurance. Start with our motorcycle quote request form, call 1-888-517-7171 or visit a local broker. We compare relevant limits, deductibles, insured value and extra benefits. Private-policy eligibility depends on the rider, motorcycle and insurer; your mandatory Basic coverage remains with ICBC.
Yes. A motorcycle used on public roads in BC must have the required registration, licensing and ICBC Basic Autoplan insurance. Western Coast can help you arrange the insurance and review optional protection for the bike. Collision, comprehensive and higher liability limits are separate choices; financing may create additional requirements. Confirm coverage is active before riding.
Private insurance can provide eligible optional coverage, but it does not replace mandatory ICBC Basic Autoplan for a BC road motorcycle. Western Coast helps you compare available private options with ICBC optional protection and explains how they work with Basic. The best fit depends on your bike, riding history, coverage needs and the terms offered by each insurer.
ICBC Basic includes third-party liability and Basic Vehicle Damage coverage for qualifying crashes in BC, to the extent another driver is responsible. Enhanced Care provides eligible injury recovery benefits for BC residents, including motorcycle riders, regardless of responsibility. Western Coast can explain the limits and conditions. Basic does not replace optional collision protection for at-fault damage to your motorcycle or comprehensive protection against theft and other insured non-collision losses.
Western Coast can provide a relevant quote using your motorcycle and rider details. Cost can depend on the bike’s model, engine size and insured value, your licence and claims history, where and how you ride, the coverage period and optional protection. Compare the combined Basic and optional cost, deductibles, settlement terms and any payment fees. There is no single price that fits every BC rider.
Ask Western Coast to compare eligible optional policies with similar protection. Review manageable deductibles and any available discounts for experience, claims history, qualifying training or riding-club membership. Plan storage coverage before changing a seasonal policy. Keep your motorcycle’s value realistic, and compare annual costs and fees. ICBC’s distance-based discounts exclude motorcycle rate classes; private insurers have their own rules.
Contact Western Coast with your licence class, restrictions and riding experience so we can review available options. Do not assume that an experienced-rider requirement for one private product applies to every motorcycle insurance option. Some optional insurers require a minimum licence history or claims-free period. Insurance does not remove the need to follow your licence restrictions and the rules for operating the motorcycle.
A stored bike can still suffer theft, fire or other damage. Ask Western Coast about suitable protection for the storage location and period, including any lender requirements. Some optional policies include a storage arrangement; others require a separate policy or change. Confirm what remains covered before cancelling road-use insurance. Do not assume your home or tenant policy insures the motorcycle itself.
Western Coast can help review the insurance term and available seasonal arrangements for your riding plans. Compare the total cost, cancellation terms and protection during storage, rather than assuming a shorter riding period produces a proportional saving. Before returning to the road, confirm that the necessary road-use coverage and licensing are active. A storage policy alone does not permit road riding.
Collision addresses insured damage to your motorcycle from a crash, including when you are responsible. Comprehensive addresses insured non-collision events such as theft, vandalism and fire. Each has its own terms and deductible. Western Coast can help you compare both and consider the bike’s value, financing requirements and what you could afford to replace yourself. Buying one does not automatically include the other.
Theft is generally a covered event under comprehensive motorcycle insurance, subject to the policy’s conditions and deductible. ICBC Basic alone does not provide this protection for your bike. Western Coast can help review available comprehensive or storage coverage and any requirements concerning parking, security and keys. Accessories, helmets and other belongings may have different limits, so ask how each is insured.
Do not assume Basic Vehicle Damage coverage pays for damage caused by an unidentified driver. ICBC Collision includes hit-and-run protection, subject to its terms; other coverage arrangements can differ. Western Coast can help you check what applies to your motorcycle, the deductible and reporting requirements. Report an incident promptly to the relevant insurer and follow any police-reporting instructions.
Some motorcycle coverages include protection for eligible riding gear after a covered event, but the limit and trigger vary. Western Coast can check helmets, jackets, gloves, boots and other equipment against the policy wording. Ask about total and per-item limits, depreciation and whether theft is treated differently from crash damage. Keep receipts and do not assume every policy includes the same allowance.
Tell Western Coast about modifications and accessories before relying on coverage. Luggage systems, custom paint, performance changes and other equipment may affect the motorcycle’s value or eligibility. Ask what must be declared, whether extra coverage is available and what limits apply. Keep receipts and photographs. The cost of a modification does not automatically become an insured amount.
That depends on the policy’s settlement terms. Western Coast can explain actual cash value, declared value and any available replacement-cost protection. Declaring a value does not necessarily guarantee that amount will be paid; for example, ICBC own-damage total-loss settlements use the lesser of actual cash value and declared value, before the deductible. Replacement-cost options have separate eligibility and conditions.
Tell Western Coast where you plan to ride and for how long. ICBC Basic applies in Canada and the United States, subject to its terms; check the territory and conditions of each optional policy separately. Review liability limits, roadside assistance and claims contacts before travelling. Motorcycle insurance is not a substitute for a separate review of travel medical coverage.
Ask Western Coast before changing who rides or how the motorcycle is used. The rider must hold the appropriate valid licence and comply with its restrictions. Private policies may have rider eligibility or other conditions, and passenger-related questions should be reviewed against the applicable coverage. Permission to borrow the motorcycle does not by itself confirm every part of the insurance will respond.
Yes, how you use the motorcycle can affect the coverage and rating it needs. Tell Western Coast if you commute to work or school, use the bike for business or plan delivery work. Do not rely on a pleasure-use description for different activities. We can help confirm the correct use with the insurer before you make the change.
A lender may require collision and comprehensive coverage, specified deductibles and its interest recorded on the policy. Western Coast can review the insurance requirements in your financing agreement and explain the available options. This is separate from the legal requirement for ICBC Basic road-use insurance. Check with your lender before reducing coverage or moving the bike into storage.
Coverage for a road motorcycle should not be assumed to fit a dirt bike, off-road vehicle or track activity. Tell Western Coast the exact type of motorcycle and where you plan to ride, including trails, public roads or events. Registration and insurance requirements can differ, and a separate product may be needed. Racing and track use require specific discussion with your broker.
You can submit Western Coast’s motorcycle insurance form online to request a callback. An insurance expert will gather the details needed to review your options. The form is not an instant final quote and does not activate coverage. If your purchase or first ride is soon, call 1-888-517-7171 during business hours and confirm your policy and effective date before riding.
Make sure everyone is safe and contact emergency services when needed. Report the incident promptly to the appropriate insurer; Western Coast can help identify the claims contact if you have both ICBC and private coverage. Record the relevant details, take photographs when safe and keep receipts. For theft, contact police and retain the report number. Your insurer assesses coverage and settlement under the policy.
Keep exploring
Your next step
Tell us about your motorcycle and riding plans. We’ll help you understand your ICBC and optional coverage choices, so you know what is in place before you head out.
Your broker will confirm when your coverage is in effect.
Insurance is subject to insurer eligibility, policy terms, limits, conditions and exclusions. This page provides general information. Your policy wording determines coverage.
Western Coast Insurance Services 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.
