Hello,

I recently installed a sidecar onto my motorcycle. I did a lot of research into the insurance implications before beginning the endeavor and discovered that in Ontario sidecars are considered accessories like saddlebags, backrests, etc. Therefore, an insurance company does not even need to know about their existence.

However, I still wanted to be completely transparent with my insurance company so I told them about my sidecar. They asked if the sidecar was specficially designed for my motorcycle (it is not) and if it was installed by a shop (it was not). They are now requiring a safety certificate for unit. I am a Professional Engineer in Ontario and offered to supply a sealed document stating my opinion on the structural integrity of the unit but they will not accept this. They want a safety certificate.

I have two options now: find another insurerer or get a safety.

I first decided to pursue the safety but quickly discovered most motorcycle shops will not inspect a sidecar unit stating the reason that they are unfamiliar with them. I contacted Old Vintage Cranks in Acton, Ontario (very familiary with sidecars) and they are willing to do the inspection in the next month or two (they bring in a mechanic periodically to inspect units when they've collected enough interest). Does anybody know of a motorcycle shop in the Kitchener, Ontario area that would perform a safety inspection on a sidecar unit?

I would like to also explore option 2: see if I can find an insurer that will not require the safety. Does anybody have suggestions?

Thank you all for your time!

Curtis Knischewsky

I agree that most motorcycles are unsuited for sidecars unless special mounting is implemented. The "universal" mounting kits that are often seen mounting sidecars to motorcycles make me cringe. I have seen a few of these kits used for cb750s like mine. My mounts were designed around the knowledge that the bike's frame tubing is not itself sufficient.

I made a few calls to people with sidecars and not one of these people have disclosed the sidcar's existence to their insurer. I am being advised that it is not legally necessary to disclose the presence of a sidecar becasue the Ministry of Transport considers a sidcar a bolt-on accessory.

Curtis

FYI, I was able to get insurance through Mitchell & Whale Brokers, which set me up with Wawanesa Insurance. I did disclose the sidecar and it added $40 to my annual premium. I am covered for bare minimum liability only.

Curtis