🏍️ Motorcycles, Scooters & E-Bikes: Coverage Differences in Canada 🚲🇨🇦
Two wheels, three very different insurance stories. Whether you ride a motorcycle, scooter, or e-bike, the type of coverage you need in Canada depends on how your vehicle is classified under provincial law.
⚡ Motorcycles
- Treated much like cars under provincial insurance systems.
- In B.C., ICBC Basic Autoplan is mandatory, providing liability, accident benefits, and more.
- Optional coverages—such as collision, comprehensive, and higher liability limits—are strongly recommended to protect both rider and bike.
🛵 Scooters & Mopeds
- If the engine size is 50cc or larger (or capable of speeds above 70 km/h), scooters are generally classified as motor vehicles. They require licensing, registration, and insurance.
- Smaller scooters may still require liability coverage depending on provincial regulations.
🔋 E-Bikes
- Pedal-assisted e-bikes that meet Transport Canada’s definition (maximum 500W, 32 km/h, functioning pedals) do not require insurance, registration, or a licence. 🚲
- If modified to exceed speed or power limits—or if built like a moped without pedals—they may be reclassified as motor vehicles, triggering insurance and licensing requirements.
📌 Why It Matters
Scooters and e-bikes often create confusion, and even a small modification can change how they’re classified. Misunderstanding the rules could leave you unintentionally uninsured.
✅ The Takeaway
Motorcycles, scooters, and e-bikes each come with distinct insurance requirements. Before you hit the road—or the bike lane—confirm how your ride is classified and ensure you have the right protection in place.
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