What to Know about Motorcycle Insurance in Manitoba

May 12, 2025

Yes, you need to get motorcycle insurance. Like car insurance, you need to have motorcycle insurance to legally drive on public roads in Manitoba as well as the rest of Canada.

Do you need to have an annual motorcycle policy? Yes, you do.

Is Manitoba motorcycle insurance annual or seasonal insurance?

You can get seasonal coverage for your motorcycle in Manitoba, although it's structured as year-round coverage with premiums charged primarily during the riding season.

Manitoba Public Insurance (MPI) recognizes the riding season as May 1 to September 30, and while your coverage is active all year, you only pay premiums during those months.

How is motorcycle insurance like car insurance?

Insurance for motorcycles is similar to car insurance, but it’s tailored to the specific needs of motorcycle riders. Like car insurance, motorcycle insurance typically includes liability coverage, which helps pay for others' medical bills and property damage if you're at fault in an accident.

What’s basic motorcycle insurance in Manitoba?

The basic Autopac policy provides insurance protection for collision and upset, up to a maximum insured value of $70,000, $500,000 liability coverage and $750 deductible.

Depending on your situation, type of motorcycle, and your use of it, you should consider adding extensions to your motorcycle insurance to increase your protection.

What’s third-party liability insurance for a motorcycle?

All Manitobans are covered by the Personal Injury Protection Plan so if you were to injure someone with your motorcycle, they will be protected and do not have the right to sue you for injuries.

But what if you are travelling on your motorcycle outside Manitoba or to the U.S.? Make sure that you have enough third-party liability coverage to protect yourself financially.

Should I have comprehensive coverage for my motorcycle?

Comprehensive coverage protects you from losses such as fire, theft, and wind storms. If you select the $500 deductible option, in the event that your motorcycle is stolen, this deductible is waived.

Should you have loss of use coverage?

Loss of use coverage starts right away with no waiting to have your motorcycle repairs assessed and then done.

Basic Autopac coverage only provides loss of use if your motorcycle is stolen. This insurance extension coverage may be for you, depending on how you use your motorcycle.

Do you run a motorcycle dealership or shop?

Our business insurance experts at Wyatt Dowling can help you with your motorcycle business insurance needs.

What is the hardest thing to learn on a motorcycle?

Using the clutch is certainly one of the more challenging aspects of learning to ride a motorcycle, especially for those who are not familiar with manual transmissions.

What motorcycle is most likely to be stolen?

New sport bikes are consistently among the most stolen motorcycles because of their resale value. Expensive bikes such as Harleys, Ducatis, and BMWs are also frequently targeted because of their valuable and often difficult-to-replace parts.

Final thoughts

Motorcycle insurance provides financial protection in case of accidents, injuries, and damages, both to the rider and others. It's also legally required in many jurisdictions such as Manitoba.