Skip to main content

Motorcycle Insurance 

Hit the open road with BCAA Motorcycle Insurance.

Enjoy the ride when you’re covered with our hassle-free 12-month plan that includes winter storage protection and covers riding gear and tire protection. There’s no need for storage insurance and there’s no restriction on when you can ride.

If you’re a BCAA Member, you’ll save up to 10% on BCAA Motorcycle Insurance.*

Key Features

This is all about you and your bike. We offer the following main coverages, with other coverage add ons available to fit your needs.

Collision Coverage

Fix your vehicle after a crash, even if you were at-fault. It also covers vehicle damage from a hit and run.

tree branch falling on car icon
Comprehensive Coverage

Protect your vehicle from things other than a crash. Comprehensive coverage helps to pay for vehicle repairs after a break-in, windstorm and more.

Included Benefits

Get exclusive coverage benefits included with all BCAA Optional Motorcycle Insurance policies at no extra cost to you.

Motorcycle icon
Riding Gear Coverage

We’ll replace your riding gear valued up to $1,500 and you can increase the limit as needed.

Motorcycle Storage
Storage Coverage

Collision and Comprehensive is automatically included when your bike is in storage.

Learn more
One accident forgiveness
One Accident Forgiveness

Protect your good driving record and keep your premium from going up after your first at-fault accident.

Free Tire Protection Icon
Free Tire Protection

If your vehicle tire is damaged from potholes or punctures, we’ll cover the cost to repair or replace your tire.

Motorcycle Lock Rekey
Lock Rekeying

If your keys or key-less remote are stolen, you’ll be reimbursed up to $1,500 to re-key or re-code the locks. The best part? No deductible gets charged.

tools icon
Guaranteed Repairs

When your car is repaired by a BCAA Approved Auto Repair Service (AARS) facility, the repair work will be guaranteed for as long as you own the car.

Crime and Vandalism icon
Loss of Use

If your vehicle is stolen, we will pay up to $900 for a rental vehicle to help with your transportation.

emergency expense
Emergency Expenses

We’ll reimburse you up to $100 for emergency expenses and transportation incurred immediately following an accident

dog icon
Pet Coverage

If your pet is injured in a motor vehicle accident, you’ll get up to $1,000 in coverage for veterinary expenses.

Service Guarantee
$500 Service Guarantee

Need to make claim? We’ll help you fast. If we don’t open your claim within 6 business hours of answering your call, we owe you $500.

24 hours phone icon
Superior 24-Hour Claims Service

Have a personal adjuster assist you throughout the entire claims process; if something happened to your car, we'll get it fixed.

Coverage Add Ons


Motorcycle Replacement
New Vehicle Replacement Coverage

New vehicles can depreciate quickly in the event of a total loss this coverage will ensure you receive a new vehicle, or the cash equivalent.

windshield icon
$0 Glass Deductible

Provides vehicle windshield, sideview mirrors and all other glass replacement with no deductible.

wallet icon
Personal Property Coverage

Protect your contents from thieves with up to $500 in coverage to replace personal items stolen from your bike.

car icon
Rental Vehicle Package

Save and get valuable protection. This package provides you a rental vehicle if required in the event of a claim and insurance coverage for rented vehicles when you travel in Canada or the US.

How Can You Save with BCAA?

Become a BCAA Member

BCAA Members save 10%, plus 1% for every year you renew with BCAA (up to 20%)*

Bundle Car & Home

BCAA Members save $40 when you bundle BCAA Home and Optional Car Insurance*

Multi-Vehicle Discount

Insure two or more vehicles and save 10% per vehicle

Anti-Theft Device Discount 

Save 5% on your Comprehensive premium for having a qualified anti-theft device

One Accident Forgiveness

Your premium will not increase after the first at-fault accident on this policy

Motorcycle Safety Course Discount

Save 5% on your Collision premium when you complete a safety course from an approved Motorcycle training institution

Why Choose BCAA for Car Insurance?


BC Based
BC Based

We understand the unique needs of BC drivers. Whether you use your vehicle for work, pleasure or business we can help find right coverage for you.

One of BC’s Largest Autoplan Brokers

We help a lot of customers with their ICBC Autoplan policies each year so you can trust us to provide reliable, expert advice.

Ways To Save
Valuable Ways to Save

BCAA Members save up to 20% on BCAA Optional Car Insurance.* Plus, you save up to $40 when you combine your Home and Car Insurance with us too.

Trusted Experts
Trusted Experts

Our expert advisors take the time to get to know you better. We work with you to understand your needs and then recommend the best, customized coverage.

Saving the Day
Saving the Day

Our 24/7 emergency claims team is always ready to help. We have experienced local BCAA Claims Adjusters ready to take your call.

Award Winning
BC’s Most Trusted Insurance Brand

British Columbians consistently rank BCAA as BC’s Most Trusted Insurance Brand**.


Although BCAA only offers Collison and Comprehensive coverage, we recommend keeping your Third Party Liability coverage in place with ICBC throughout the year, in case your motorcycle accidentally injures someone or their property while it’s in storage.

Members Get More

Basic Membership Card

Members save up to 20% on BCAA Optional Car Insurance*.

Plus save $40 when you bundle BCAA Home and Optional Car Insurance.

Learn More
* BCAA Member savings on insurance products are only available with Basic, Plus, or Premier Membership plans. For full details, please visit
**BCAA, in association with CAA, was chosen as the #1 Most Trusted Insurance Brand by British Columbia participants in the 2023 Gustavson Brand Trust Index.
BCAA Optional Car Insurance and Autoplan are sold through B.C.A.A. Holdings Ltd. dba BCAA Insurance Agency, a licensed insurance agency. BCAA Optional Car Insurance is underwritten by CAA Insurance Company and Autoplan is underwritten by the Insurance Corporation of British Columbia. The ICBC Autoplan logo is a trademark of the Insurance Corporation of British Columbia, used under license.