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Photo by Marc Gibaud, Clouds on Tres Cerros and Mount Fitzroy, Argentinian Patagonia

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Photo by Marc Gibaud,
Clouds on Tres Cerros and
Mount Fitzroy, Argentinian Patagonia



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Old 14 Feb 2020
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Join Date: Jul 2005
Location: Vancouver, B.C. Canada
Posts: 131
Minimum levels of vehicle liability insurance are mandatory in all Canadian provinces and territories. Being caught without it will lead to a sometimes quite hefty fine and possible impoundment of the vehicle, not to mention the risk of personal financial disaster if you cause a serious accident.

Thousands of U.S. registered vehicles cross into Canada every day, from which I infer that the typical U.S. liability policy covers Canada. Certainly the reverse is true. Canadian policies typically cover the U.S. So I assume that you should be able to insure your bike in Florida with a policy that covers Canada as well as the U.S. Of course you should absolutely confirm that with whatever broker or insurer you end up using. You also need to make sure that your policy includes the minimum level of coverage required. Presently in B.C. it's $200,000 CAD. Of course, it's not hard to cause an accident which results in far more liability that that. Many people here carry far higher coverage.
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Old 14 Feb 2020
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Join Date: Jan 2002
Location: Toronto, Canada
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Hello John, Ger:

As Norm pointed out, insurance obtained in America is generally valid in Canada. In fact, there is a treaty or memo of understanding between the governments of Canada & America that specifically addresses vehicle insurance.

Because your vehicle is plated in the USA, your only option is to purchase insurance in the USA - Canadian insurers won't write policies for American registered vehicles, and vice-versa.

It should be pretty simple for you to contact an insurance company that does business in Florida (or, more precisely, is entitled to write policies on Florida-registered vehicles) and have them provide you with a policy that meets the minimum liability requirements of all 50 states and all the Canadian provinces. You need what is called "Canada Inter-Provincial" coverage.

I have a good friend who often drives a Florida-registered vehicle here in Canada (she has dual citizenship), and I know that her insurance covers her vehicle up here.

As Norm noted, don't even think of entering Canada without the minimum required liability insurance. Liability insurance is obligatory everywhere in Canada, and the penalties for driving without it are very severe.

Michael
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