Motorcycle and Scooter Insurance | Megson FitzPatrick Insurance, Victoria BC

By: Megson Fitzpatrick  09-12-2011
Keywords: Motorcycle, Scooter Insurance, Deductible Options

Megson FitzPatrick is dedicated to being your Trusted Insurance Advisor. As such, we are pleased to offer an alternative for Motorcycle & Scooter insurance for the province of BC. Our annual motorcycle policy provides ”All Perils” physical damage insurance coverage for touring, cruising, sport touring and sport class motorcycles for riders throughout BC. And our annual scooter policy provides “All Perils” physical damage insurance coverage for scooters up to and including 400cc (over 400cc qualifies for our Motorcycle program), also BC-wide.

Important note: Third Party Liability is a legal requirement and must be purchased separately through ICBC.

Motorcycle

These are some of the features that make the motorcycle program a favourite with many BC riders:

  • We offer a combination of on-road and storage coverage. The policy automatically takes into consideration the seasonal use of motorcycles, so we don’t restrict your on-road use to a certain period of time
  • “All Perils” annual combined coverage (Collision & Comprehensive combined)
  • Policies are written on an Agreed Value basis
  • A variety of deductible options
  • One claim forgiveness (no rating penalty)
  • Emergency roadside assistance up to a maximum of $100 per occurrence, with no deductible

The Motorcycle policy includes:

  • Travel Protection when travelling or vacationing outside your city of residence
    • $500 additional living expenses in the event of loss or damage from an insured peril
    • $1500 to bring a damaged or recovered stolen vehicle back home
    • $1500 of travel expenses to return home
    • $500 replacement vehicle expenses
  • Lock re-keying- if keys are stolen, with no deductible
  • The policy coverage will extend to trailers towed by your motorcycle and attached accessories, provided they are included in the declared value
  • Up to $1000 of riding gear coverage is included (additional limits available upon request)
Low Displacement Motorcycles

We recognize that motorcycles with small engine displacement are not only easy on the environment, but are also a safe, reliable alternative for new riders. We will consider applicants as young as 18 years old for motorcycles 400 cc's and under.

Scooter

We created our scooter program with our clients’ needs in mind. Some of the available features include:

  • A combination of both on-road and storage coverage. The policy automatically takes into consideration the seasonal use of scooters, so we don’t restrict your on-road use to a certain period of time
  • “All Perils” annual combined coverage (Collision & Comprehensive combined)
  • Policies are written on an Agreed Value basis
  • Deductible options of $250 or $500
  • One claim forgiveness (no rating penalty)
  • Emergency roadside assistance up to a maximum of $100 per occurrence, with no deductible

The Scooter policy includes:

  • Lock re-keying- if keys are stolen, with no deductible
  • Unlimited use to or from work or school
  • Up to $1000 of riding gear coverage is included (additional limits available upon request)
The information in this article was current at 06 Dec 2011

Keywords: Deductible Options, Motorcycle, Scooter Insurance,

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