Motorcycle Insurance in Guelph, Ontario

Protection for the open road.

Some people would say that there is no greater feeling than getting on your bike, hitting the open road and feeling the wind on your face. If you are one of those people, we want to help ensure that your bike/motorbike is protected so you have many more of those rides.

Types of Motorcycle Insurance / Coverages

We provide coverage for a wide range of bikes, motorbikes, and motorcycles in Guelph, Ontario, including:

• Standard bikes
• Custom-built bikes
• Touring bikes
• Harley Davidsons
• Sport bikes
• And more

Bike insurance options depend on your particular motorbike, your usage, and many other factors including accident benefits, liability, and perils.

The Jeffery & Spence team are true professionals who are dedicated to making sure you have an awesome experience. Working with their team has been great and I would highly recommend them to anyone! 10/10 - keep up the great work Jeffery & Spence.read more
Ryan Vielma
Ryan Vielma
21:03 15 Feb 19
My family and I have been insured through Jeffery and Spence for 14 years, and we will all always be loyal clients to this wonderful brokerage.read more
Ashlean Richardson
Ashlean Richardson
17:50 27 Nov 18
Have been with them for ages and wouldn't hesitate to recommend them to anyone. I have also gladly referred friends to them and they have taken good care of them as well!read more
Jason Shaw
Jason Shaw
20:38 02 Jan 18
شركة تامين لا باس
Ali SIDO
Ali SIDO
03:57 11 Feb 19
unbelievable service, literally saved a client of mine from a major catastrophe, highly recommend. Kyla was amazing
Andra Arnold
Andra Arnold
17:19 18 Apr 19
Excellent Customer service and communications, staff here makes me feel like part of the J&F family, highly recommend!
Rain Zhang
Rain Zhang
14:21 29 May 19
Excellent Customer service and communications, staff here makes me feel like part of the Jeffery&Spence family, highly recommend!read more
Rain Zhang
Rain Zhang
14:39 29 May 19
Awesome service, friendly advice and get what you need fast. Been a customer for over 10 years now.
Brock Parker
Brock Parker
16:03 27 Jun 19
Awesome service, friendly advice and get what you need fast. Been a customer for over 10 years now.
Brock Parker
Brock Parker
16:03 27 Jun 19
Ashlean made shopping for insurance so easy and stress free! From start to finish she was courteous and professional, listened to our needs and communicated with us every step of the way, all while finding us the best ratesread more
Chloe McKnight
Chloe McKnight
22:42 22 Jul 19
The Jeffery & Spence team is wonderful. They have insured my assets for over 4 years. When I switched over from my old provider they made it easy. They were honest and reliable. I started simply with a call out for car insurance. They were able to take a look at 5+ companies and make sure I had the proper coverage and at a great price. (They beat my old provider by $300). Slowly and surely as other asset insurance policies were coming to an end (home, business, additional vehicles) it only made sense to call over and get a quote. Additionally there is customer service like no other. I call in frequently for updates and questions and whether it’s the front desk or managers I have never felt like I was asking a stupid question. Jeffery & Spence is awesome and you owe it to yourself to just give them a call....even if your not from Guelph!read more
Corey Pavao
Corey Pavao
13:59 23 Oct 19
So over the moon happy with these guys. Specifically Dave. I was a first timer today, extremely nervous about taking another step toward “audulting” by getting my own auto insurance. And when I say nervous, I mean NERVOUS. Dave was MORE than helpful. His personality put me at ease, and the way he explained things made me go from feeling anxious to comfortable. Dave did more than help me get my own insurance. Dave made me feel like it was just a normal conversation between people. Where as other conversations have gone with other companies, I felt like a stupid kid in their 20s that didn’t know what they were doing. It’s comforting to know that now, in the future, when I need home insurance, etc. I know who to call. Thanks a million Dave.read more
Jaymee Indoe
Jaymee Indoe
18:55 21 Nov 19
Ashlean is so great to work with and she makes insurance easily accessible. I love all of the work they do in the community too. Check them out!!!read more
Heather Smart
Heather Smart
16:41 01 Dec 19
Awesome service! Jeffrey helped me find a solution for my insurance ASAP after I had such a poor experience with my previous insurer.read more
Jennifer A-M
Jennifer A-M
04:25 04 Dec 19
Expedient, professional and tailored to my needs. Highly recommend.
Annie Wong
Annie Wong
15:38 10 Dec 19
Met with Dave Jutzi and he was an absolute pleasure to work with! He created a plan to MY needs and MY budget! No pressure on me whatsoever and he really looked out for my best interest. If you're looking for extremely affordable auto and home insurance, DEFINITELY go see Dave!read more
Simon McGhee
Simon McGhee
16:38 21 Jan 20
My only regret was not calling them sooner. Ashlean Richardson went above and beyond for my company. I felt like they took me and my time very seriously and I appreciated that. Would highly recommend to my friends and family.read more
Kevin Wilkins
Kevin Wilkins
13:40 14 Apr 20
Ashlean was great to work with she was very helpful and prompt with all her responses; she was able to make a stressful situation go by very smoothlyread more
Haily Rice
Haily Rice
16:09 29 May 20

Bundling Your Motorcycle Insurance

Typically, if someone is insuring a motorcycle, they also have other property that is already insured or that they need insured. Instead of getting individual policies for your motorcycle, house, and car, consider bundling your insurance.

Bundling your insurance policies often results in better rates and/or discounts — and you’ll get the peace of mind of having all your policies with the same insurance company. At Jeffery & Spence Insurance, we’re proud to provide you with home, auto, commercial, motorcycle insurance, and more, so you’re covered for anything.

Our Motorcycle Insurance FAQs

How much does motorcycle insurance cost in Ontario?

Similar to car insurance, the cost of your motorcycle insurance is determined based on a number of different factors, including:

  • Age
  • Driving record
  • Intended mileage
  • Driver training
  • Location
  • Type of motorcycle
  • Modifications
  • Passengers
  • And more

Your motorcycle policy can also be combined with an existing home or auto insurance plan for improved cost savings. To learn more about other discounts for motorcycle insurance, contact the team at Jeffery & Spence Insurance Brokers today.

What are the requirements for getting motorcycle insurance?

In order to purchase motorcycle insurance in Guelph, you must be legally eligible to drive a motorcycle in the province of Ontario.

A motorcycle license in Ontario is called an M Class license. There are various different types of M licenses, including both M1 and M2 learner’s permits, similar to the different types of licenses for driving a car. You can also apply for an M license with condition L, which is for driving mopeds and motorized scooters (limited speed motorcycles), or an M license with condition M, which is a license for three-wheeled motorcycles.

You can apply for an M Class license at any DriveTest centre in Ontario. In order for your application to be successful, you must also be 16 years old, pass an eye test, and pass a written test about the rules of the road and traffic signs.

What different types of coverage exist for motorcycles?

There are a wide range of coverage options available to help insure your motorcycle in Guelph. Not all motorcycle insurance policies are the same. In fact, they can be quite different. You’ll want to make sure you’re choosing a policy that covers a wide range of situations, including theft, vandalism, and fire. Other insurance options will cover you in the event of a collision with another vehicle or with the road.

Bear in mind that there are four types of insurance coverage that are mandatory if you want to drive a motorcycle in Ontario:

  • Third-Party Liability: Protects you in the event that you’re responsible for a third-party’s injury or property damage.
  • Accident Benefits: Pays for any medical costs in the event that you’re in an accident, including medical treatment, rehabilitation, income replacement, and more.
  • Property Damage Direct Compensation: Pays for any damage incurred by your motorcycle in an accident where another driver is at fault.
  • Uninsured Automobile Coverage: Protects you if you’re in an accident caused by an uninsured or unidentified driver.

It is also possible to purchase additional coverage for some of these options. For example, it is often recommended to increase your Third Party Liability coverage. Some of the additional coverage options available include:

  • Collision or Upset Coverage
  • Specified Perils Coverage
  • All Risks/All Perils Coverage
  • Comprehensive Coverage
  • Dependent Care Benefits
  • And more
How do you reduce your premiums for motorcycle insurance?

If you’re a new motorcycle driver with little riding experience, your premiums may be higher than an experienced driver.

However, one way to curb this is to take an approved safety course. While it’s true that a safety course will cost you in the short-term, the long-term pay-off is worth it. Other factors like having a secure location where you store your vehicle, or having an anti-theft system, can help lower your premiums.

Contact the motorcycle insurance experts at Jeffery & Spence today to discuss your coverage options.