subject: Canadian Motorcycle Insurance-a Valid Policy Throughout The Us With Added Liability Coverage [print this page] Motorcycle insurance in Canada is not the same as it is in the rest of America. Canadian insurance law mentions that after you have obtained the policy cover on purchasing insurance in Canada, you must also obtain the Canadian Inter-Province Motor Vehicle Liability Insurance Card which is also known as the Pink Card. This is proof enough of the fact that you have complied with the Canadian laws of motorcycle insurance in that country and you are now a valid motorcycle owner or driver. You can drive your vehicle through Canada and the United States but this would not be a valid document if you are planning to drive further down across the border to Mexico. Effective June 1, 2009, it is now mandatory that Canadian citizens have a valid passport if they are seeking entry into the US whether by sea, air or land. So apart from the Pink Card you would now need to have a valid passport if you are planning a trans-border ride through Canada and the United States.
Canadians wishing to enter the US may want additional coverage on their Canadian insurance to cover for any accident which might result in an injury to others and providing for the liability relief. Insurance companies dealing with Canadian motorcycle insurance actually have a part of this component inbuilt in the policy. Still it would be better to talk to the insurance company to ensure that complete coverage is available before venturing a drive across the US from Canada.
It is important to note that Canadian insurance is seasonal and therefore has seasonal premium rates. Summer months in Canada is the motorcycle season with hordes of visitors, tourists and people donning on their helmets and hitting the road with their bikes. This does not mean that with the end of the summer season and the approaching winter, you can run across to the insurance company and cancel the insurance policy. This will not save any premiums.
Also while cruising around in Canada with your motorcycle try to retain the same safety standards that will avoid accidents because a ticket is frowned upon by the insurance companies. A ticket affects the insurance policy for up to 3 years and an accident remains on the records for the next six years. This means that your insurance cover won't come in cheap.
Finally if you have more than one motorcycle, it would be better to apply Canadian motorcycle insurance with one insurance provider for all the vehicles together to get the multi vehicle insurance discounts from the insurance provider.
by: Christoffer X Altesino
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