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If your insurance doesn’t properly protect you, then what are you really paying for?
At NIB, we recommend comprehensive protection that’s tailored to your unique way of life. And in the unfortunate event of a claim, we’re here to advocate on your behalf and ensure your protection responds the way it should.
Below is an overview of the standard coverages we recommend for all of our clients – contact our team today for a personalized solution built around your unique needs.
$2,000,000 Limit or More
Third-party liability insurance covers you in the event that you need to make a claim for legal expenses for damages to others as the result of a motorcycle accident. Knowing how much liability you need can be difficult to predict. To be safe, we often recommend higher limits in order to keep yourself protected and account for unpredictable situations.
Enhanced Accident Benefits
Accident Benefits provide compensation if you or others are hurt or killed in a motorcycle accident. Your Accident Benefits will pay for expenses not covered by standard Provincial healthcare. This can include treatment, income replacement, and more.
All Perils, or Combination of Collision & Comprehensive, $500 Deductible
All Perils Protection, or a combination of both Collision and Comprehensive coverage, provides the widest range of protection available. With All Perils Protection, you'll be covered for everything that could happen to your motorcycle, unless it is specifically excluded from your policy.
$2,000,000 Limit or More
Have you ever wondered what exactly happens if you are involved in an accident on your bike and the responsible party does not have enough coverage? Unfortunately, not everyone has the proper liability and this is where Family Protection (OPCF44) comes in. Should the unthinkable happen and the responsible party does not have enough coverage, your policy will provide coverage up to your own policy limit.
First Ticket Does Not Affect Your Pricing
This coverage protects your pricing by forgiving your first minor conviction. Everyone makes mistakes and minor driving convictions such as speeding tickets will often cause your insurance premiums to increase. This coverage will help protect your pricing by forgiving your first minor conviction without having to pay more for your insurance.
Enhanced Discounts Available by Company
One of the easiest ways to save money on your insurance is to insure your home and your vehicles with the same company. Not only does this earn you a discount, but many of our providers also add increased protection and other perks when you combine your policies. Plus, with the same renewal date, all of your insurance needs can be reviewed at the same time each year!