Top 5 Motorcycle Insurance Providers in Winnipeg
Before the 1970s, motorcycle insurance packages weren’t as common back then; motorists didn’t think it was essential to insure their vehicles and themselves.
Additionally, many motorists weren’t educated about the safety precautions in driving their vehicles.
From then on, countries imposed motorists to have their motorcycles insured to drive them legally.
Thanks to that, motorcycle-related accidents and injuries have reduced and drivers have learned to be more responsible than ever.
Just for you, we’ve looked into some insurance companies in Winnipeg and sought out the top providers of motorcycle insurance. Read on to learn more.
The Average Price of Motorcycle Insurance in Winnipeg
In Canada, the average price of motorcycle insurance costs $1,600 a year, or around $200 a month. Although, these rates may still differ depending on the clients’ locations.
In terms of coverage, take a look at this table below for the prices for deductibles and claims of the most common inclusions of motorcycle insurance packages available in Winnipeg:
It’s also worth mentioning that your potential insurance value may also depend on your motorcycle brand and model.
How did we choose the best motorcycle insurance providers in Winnipeg?
We selected the following motorcycle insurance providers based on these factors:
1. Knight Archer Insurance
| CRITERIA | RATING |
| INSURANCE PRODUCTS | ★★★★★ 5/5 |
| PROCESSING | ★★★☆☆ 3.5/5 |
| ⮕Claiming | ★★★☆☆ 3/5 |
| ⮕Renewal | ★★★★☆ 4/5 |
| VALUE FOR MONEY | ★★★☆☆ 3/5 |
| INSURANCE AGENT | ★★★☆☆ 3/5 |
| ⮕Responsive | ★★☆☆☆ 2/5 |
| ⮕Reliable | ★★★★☆ 4/5 |
| CLIENT SATISFACTION | ★★★☆☆ 3.75/5 |
Knight Archer is one of the well-known insurance companies in Winnipeg that provides various types of coverage for property, vehicles, travel, health, cyber protection, and accidents.
As for its motorcycle insurance, it’s under the company’s recreational vehicle insurance, a plan that also covers ATVs, snowmobiles, boats, and watercraft.
A strong point of this package is that it covers collision damage, bodily injury liabilities, property damage liabilities, and uninsured/underinsured motorists.
Clients can also avail of a comprehensive motorcycle insurance plan that covers theft, vandalism, falling objects, and non-collision-related damages.
We also have to give it to Knight Archer Insurance for offering total loss replacement coverage.
This plan will come in handy if you need to replace your damaged-beyond-repair motorcycle, which in our opinion helps you save a lot!
Besides the inclusions, we appreciate this company for offering free-of-charge quote requests.
This makes it convenient for clients to know how much their future premiums will cost without having to spend beforehand, in our opinion.
Knight Archer also knows how to provide efficient services. From what we’ve found, the company has an online payment platform for clients to pay their premiums and renew their policies.
It’s also a plus that the platform accommodates debit and credit card payments – although MasterCard debit transactions aren’t accepted at the moment.
On the downside, renewing plans may be easy, but we’re quite iffy about the slow service and response time of agents in terms of processing claims.
We think that agents should be more responsive and reliable since there’s always a sense of urgency associated with insurance claims.
Pros
- Package has many inclusions
- Convenient online payment platform
- Offers free quotes
Cons
- Currently doesn’t accept MasterCard debit payments
- Could improve on responsiveness
Customer Reviews
Very grateful for the efficient service and pleasant customer experience
“The best customer experience I’ve ever received. Very very detailed and unique experience, in a very stressful situation Laurie was able to guide me through my escalation process and stayed on top of it through every step. I can’t profess how great my experience has been with this branch. Thank you again!” – Tomiwa Balogun
They were quite helpful with anything regarding MPI
“Awesome service! Helped me a lot in my road test dates and information about anything regarding MPI.” – Rishab Kakkar
2. BSI Insurance
| CRITERIA | RATING |
| INSURANCE PRODUCTS | ★★★★★ 5/5 |
| PROCESSING | ★★★★☆ 4.5/5 |
| ⮕Claiming | ★★★★☆ 4/5 |
| ⮕Renewal | ★★★★★ 5/5 |
| VALUE FOR MONEY | ★★★★★ 5/5 |
| INSURANCE AGENT | ★★★☆☆ 3.5/5 |
| ⮕Responsive | ★★☆☆☆ 2/5 |
| ⮕Reliable | ★★★★★ 5/5 |
| CLIENT SATISFACTION | ★★★☆☆ 3.5/5 |
Because Winnipeg motorists are required to have coverage to drive legally, we find it convenient that BSI Insurance has reliable agents that specialise in Autopac insurance.
In terms of inclusions, we’re pleased to know that the Basic Autopac plan covers collision damages with a maximum of $70,000 plus tax.
But if you want a more extensive motorcycle insurance policy, we’re pleased to report that BSI Insurance offers a Motorcycle Extension Insurance package.
This programme compensates for losses caused by theft, fire, or windstorms and accidental damage, as well as insuring customised motorcycle parts.
Clients also get third-party liabilities coverage for $500,000 up to $10 million, which we think is more than enough to pay for medical expenses, repairs, and replacements.
Another favourable aspect of BSI Insurance is its reliable claiming process. From what we’re told, clients are satisfied with the efficiency and responsiveness of the agents, whether on phone or on-site.
We also have to give it to this company for offering 24/7 emergency claim services. We think these will come in handy for making claims for damages that need immediate solutions.
A slight downside though is that while claims could be filed via phone call, the Winnipeg branch doesn’t have a toll-free hotline. Other branches outside the city have toll-free numbers.
Another thing we’re not too happy to hear about is that not all agents are apparently friendly and reliable.
Since insurance is about making clients feel safe and protected, we think that agents should be more accommodating and competent in helping people get coverage for themselves and their motorcycles.
Pros
- Employs agents that specialize in Autopac
- Offers motorcycle extension insurance packages
- Offers 24/7 emergency claim services
Cons
- Winnipeg hotline isn’t toll-free
- May need to work on customer service
Customer Reviews
Can’t thank them enough for their efficient and excellent service
“100% the best insurance broker to deal with, always friendly and prompt with their service. Even if there is a wait there is always effort to make sure that you are welcome and acknowledged! I had a discrepancy with MPI that Nick and Vince both made an effort to help with as it was unique to them as well! Can’t say enough good things about the service! Highly recommend!” – Chris Kluz
Super thankful to the competent autopac agents
“Just went into this location to change my autopac. Suzanne was super helpful and knowledgeable. In and out in no time. This is where I will go for my insurance from now on. They sell everything insurance related from home to commercial to auto. Thanks Suzanne!” – Roger Bouchard
3. Crossroads Insurance
| CRITERIA | RATING |
| INSURANCE PRODUCTS | ★★★★☆ 4/5 |
| PROCESSING | ★★★☆☆ 3.5/5 |
| ⮕Claiming | ★★★★★ 5/5 |
| ⮕Renewal | ★★☆☆☆ 2/5 |
| VALUE FOR MONEY | ★★☆☆☆ 2/5 |
| INSURANCE AGENT | ★★★☆☆ 3./5 |
| ⮕Responsive | ★★★★☆ 4/5 |
| ⮕Reliable | ★★☆☆☆ 2/5 |
| CLIENT SATISFACTION | ★★★☆☆ 3.75/5 |
Crossroads Insurance is another trusted broker of Manitoba Public Insurance (MPI) and is a go-to for Autopac insurance.
While it currently only offers the Basic Autopac plan, we still appreciate the company for helping clients get their motorcycles insured from collision, “upset” (when a vehicle rolls over), and comprehensive damages.
Clients will also have automatic protection from loss or theft. And with the coverage priced at a maximum of $70,000, we think this plan is already more than ‘basic’ in protecting motorists.
For the claiming process, we love that Crossroads accommodates filing via phone calls, emails, and the “file claims” tab on its website.
Emergency claiming services are also available, which clients can claim via a toll-free number.
We’re also happy that the company offers driving license renewal services, which we think help clients save time, money, and resources in handling their motorcycle insurance.
In terms of renewal, it’s a plus that this insurance broker provides Autopac with five-year renewal periods. Other brokerages offer the typical annual or monthly renewal periods for their plans.
That said, it’s disappointing to hear that clients aren’t told about the auto-renewal function of their insurance plans.
On the bright side, we’re pleased that Crossroads Insurance apologised for not informing clients about this function beforehand.
Some even returned the money to clients and helped amend their succeeding motorcycle insurance coverage.
Pros
- Convenient claiming process
- Offers a five-year renewal period
- Also offers driving license renewal services
Cons
- Only offers Basic Autopac
- Needs to improve renewal process
Customer Reviews
They’re the place to go for reliable Autopac registrations and coverages
“Manu Sharma helped resolve a matter In which autopac payments were still being taken out after we had sold the vehicle. Thank you Manu ! You went above and beyond to help ! Much appreciated!” Edward Generao
Love Manu Sharma for his amazing service.
“Crossroads was absolutely amazing. Manu was so helpful, and definitely went above and beyond to get my registration needs looked after. Would recommend them to anyone looking for great service! Thanks again Manu, and thank-you Crossroads!” – Robert Martens
4. Westland Insurance
| CRITERIA | RATING |
| INSURANCE PRODUCTS | ★★★★★ 5/5 |
| PROCESSING | ★★☆☆☆ 2.5/5 |
| ⮕Claiming | ★★☆☆☆ 2/5 |
| ⮕Renewal | ★★★☆☆ 3/5 |
| VALUE FOR MONEY | ★★★★☆ 4/5 |
| INSURANCE AGENT | ★★★☆☆ 3/5 |
| ⮕Responsive | ★★★★☆ 4/5 |
| ⮕Reliable | ★★☆☆☆ 2/5 |
| CLIENT SATISFACTION | ★★★★☆ 4/5 |
One of the strong points of Westland Insurance is that it offers Autopac coverage and its own motorcycle insurance plans.
First things first, we find it convenient that is company acts as a brokerage for clients to easily register for Autopac coverage and have their motorcycle insured from collision, theft, and nature-incurred damages.
Second, we also love that Westland’s own motorcycle insurance policy offers added protection from loss and third-party liabilities.
Clients also get around $500,000 to $10 million in liability coverage, insurance we think will be great for paying for repairs, replacements, and medical expenses.
It’s also a plus that Westland’s motorcycle insurance package is suitable for recreational bikes.
We’re happy that clients can enjoy their favourite extreme sports safely while also knowing that they’ll have a fallback to cover potential expenses.
In terms of reliability and efficiency, the insurance provider currently has four trusted branches that are open to new client registrations and processing claims and renewals.
We’re also happy to report that the company has toll-free hotlines available for clients to submit their concerns free of charge.
That said, we’re a tad disappointed that emergency and MPI claims can only be filed by contacting the insurers directly.
Fortunately, Westland has a list of its partner insurers’ toll-free hotlines on its website for easier contacting.
Another area we want this insurance brokerage to fine-tune is its customer service.
We’re told that some of the agents weren’t that accommodating and thorough in helping clients file for renewals or adjust their plans.
Pros
- Offers comprehensive motorcycle insurance plans
- Also offers insurance plans for recreational bikes
- Multiple reliable branches
- Has toll-free hotlines
Cons
- Emergency and MPI claims need to be filed at the insurer directly
- Could fine-tune customer service
Customer Reviews
The best place for anything MPI related
“As always the best place to go for anything to do with MPI from insurance to renewing my license great staff and always have the answers for my questions.” – Adam Tankard
Efficient from start to finish
“They are very efficient and get what you needed done for your MPI queries. They helped me even though it was time for them to close. Will definitely go there in the future!” – therainbow
5. Winnipeg Insurance Brokers Ltd.
| CRITERIA | RATING |
| INSURANCE PRODUCTS | ★★★★★ 5/5 |
| PROCESSING | ★★★★☆ 4.5/5 |
| ⮕Claiming | ★★★★☆ 4.5/5 |
| ⮕Renewal | ★★★★☆ 4.5/5 |
| VALUE FOR MONEY | ★★★★☆ 4/5 |
| INSURANCE AGENT | ★★★☆☆ 3.5/5 |
| ⮕Responsive | ★★★★☆ 4/5 |
| ⮕Reliable | ★★★☆☆ 3/5 |
| CLIENT SATISFACTION | ★★★★☆ 4/5 |
Winnipeg Insurance Brokers Ltd. is another insurance brokerage that has multiple branches ready to help clients insure their motorcycles.
From what we’ve found, this company’s coverage for motorcycles is under its off-road vehicle insurance.
We have to give it to the company for offering extensive benefits to clients. The package currently covers damages caused by collisions, theft, fire, and personal injuries, as well as expenses for death and funeral services.
We’re also pleased that clients could add coverage for lost keys, riding gear, travel protection, and safety equipment to their insurance policy.
Another favourable aspect of this company is that it offers quote requests that clients can tailor-fit to their plans, budgets, and motorcycle models.
In case they need to make changes to their plans or make claims after hours, we’re happy to report that clients can file claims via the company’s website or call its emergency hotlines.
That said, it’s worth noting that this plan is currently limited to recreational bikes.
Winnipeg Insurance Brokers also deserves plus points for giving specific claims hotlines for vehicle damage and replacements.
Additionally, its website has a list of its partner insurers’ toll-free numbers – we like that these make filing for claims and renewals more efficient.
On the downside, while this insurance broker’s telephone service is convenient, we’re not pleased that its in-office staff service quality isn’t the same.
From what we’re told, some of the staff were slow in processing clients’ requests, especially with correcting information and adjusting parts of the plans for renewal.
We hope that customer service all throughout will be consistent so clients get the best value for their money and the most out of their coverage.
Pros
- Extensive insurance inclusions
- Clients can request personalised quote estimates
- Has different hotlines for various claim types
Cons
- Current plans are limited to recreational motor bikes
- Feedback on slow process
FAQs on Motorcycle Insurance
That ends our assessment of the top motorcycle insurance providers in Winnipeg!
If you’re looking for other insurance types and providers, we recommend looking into these articles: