MOTORCYCLE INSURANCE

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Because Basic Autoplan essentially protects you as a person, whether you drive a car or a motorcycle doesn't affect how much you pay for the coverage.

However, many types of optional insurance provide direct coverage for loss or damage to your vehicle. Therefore, what vehicle you are insuring does affect the size of the premium you pay.

All of these things affect your vehicle's rating:

• Year of the vehicle
• Wheelbase
• Horsepower
• Make and model
• Body style
• Cost of repairs

That model's claim record (For example, is it involved in lots of crashes? Is it a popular target for thieves? This data is collected across Canada.)