ABCs OF INSURANCE
Principles of Auto Insurance
How Rates are Determined
Vehicle Type
Vehicle Body Styles
   Passenger Vehicles
   Trucks
   Motorcycles
   Trailers
   Off-Road Vehicles
   Mopeds and Mobility
   Miscellaneous
Vehicle Use
   Vehicle Use Definitions
Where You Live
Your Driving Record
   Driver Safety Rating
   Major Offences
   Buying Back a Claim
Protecting Your Privacy

ABC's of Insurance > How Your Rates are Determined

Motorcycle Body Styles

A motorcycle is a vehicle that is designed to travel on not more than three wheels in contact with the ground and has:

This body style does not include Mopeds, Mobility Vehicles, Power-Assisted Bicycles, or Tractors.

For rating purposes, motorcycles are divided into five categories: Motorscooter, Other, Sport, Sport Touring and Touring.

Effective March 2011, motorcycles under each of the existing five body style rating categories will be sub-divided into 16 body styles. The motorcycle body styles associated with each category are shown in the table below.

Rating Category Body Style Rating Category Body Style
Motor-Scooter Motor-Scooter Sport Naked Sport
3-Wheel Scooter Sport
Other Cruiser Sport Touring Adventure
Dual Purpose Sport Touring
Enduro Touring Standard Sidecar
Motard Touring
Other Trike (2 rear wheels)
Standard 3-Wheel Motorcycle
(2 front wheels)

 

Rating Category - Motor-Scooter  

Motor-Scooter
A motor-scooter is a motorcycle with a step-through frame that generally has smaller wheels than those of a standard motorcycle. A person can ride a motor-scooter without straddling it.

Motor-Scooter
   

3-Wheel Scooter
A scooter that is designed to include a second independent front wheel that is used to increase ride stability. However, a motorcycle that includes two rear wheels is not a 3-wheel scooter, regardless of any other characteristic it may have.

3 Wheel Scooter
   
Rating Category - Other  

Cruiser
A motorcycle that is designed with a low seat height, wider rear tire, raked front forks and forward controls with the foot pegs out in front as opposed to being straight down. The design emphasizes comfort and appearance with a relaxed upright seating position, and often includes an abundance of chrome.

Cruiser
   

Dual Purpose
A motorcycle for both highway and off-road use. Its design includes fenders and tires suitable for some off-road uses coupled with street safety requirements, such as mirrors and turn signal indicators.

An off-road motorcycle that has been modified to meet the requirements to be registered under The Highway Traffic Act is included in this body style.

Dual Purpose
   

Enduro
A motocross motorcycle that may be registered under The Highway Traffic Act. It features high ground clearance and increased suspension combined with minimal rider comforts. It is differentiated from a motocross motorcycle by the presence of silencers, flywheel weights and the features necessary for the on-road portion of enduro racing.

Enduro
   

Motard
A motorcycle design that combines the design of a motocross and an enduro motorcycle. It is fitted with road racing tires while keeping the other features synonymous with off-road machines. These motorcycles are designed and marketed to compete over a racecourse that mixes road racing on tarmac with off-road sections.

Motard/Super Motard
   

Other
A motorcycle that can be registered under The Highway Traffic Act and has a body style that does not fit any of the other available motorcycle body styles.

 
   

Standard
A motorcycle that is designed with a small rake and trail, and generally does not include accessories such as a windshield, saddlebags, trunk or audio entertainment system.

Motor Scooter
 
Rating Category - Sport  

Naked Sport
A motorcycle with a design that is reduced to its basic form and stripped down to its fundamental parts. The front wheel is visible from the rider's position and the emphasis of the design is on functionality, performance and ergonomics, rather than on body panels and exaggerated riding positions that are emphasized for sport bikes. These motorcycles may also be marketed as "naked" or "street" bikes.

Naked Sport
   

Sport
A fast, light, sleek motorcycle that is designed for maximum performance and maneuverability. It is distinguishable from other motorcycles by its full fairing and the rider's tipped-forward seating position.

Sport
   
Rating Category - Sport Touring  

Adventure
A motorcycle that is designed and marketed as a combination sport, touring and off-road motorcycle. This body style is designed with the features of an on-road motorcycle capable of cruising on paved roads. It also includes big tires, a large fuel tank and a comfortable seat, as well as high ground clearance in order to traverse rough terrain easily.

Adventure
   

Sport Touring
A motorcycle that is designed and marketed as a hybrid between a sport and a touring motorcycle. It allows long-distance riding with more emphasis on sport-like performance in both handling and speed than a touring motorcycle.

Sport Touring
   
Rating Category - Touring  

Standard Sidecar
A motorcycle that has attached to it a one wheeled sidecar.

Standard Sidecar
   

Touring
A motorcycle that is designed and marketed for long distance travel that includes such things as a large engine, ample storage, including top trunks and saddlebags, reverse gears, onboard air compressors, large fairings and windshields and amenities like cruise control, stereo audio entertainment systems, citizen band communications systems and heated seats and grips.

Touring
   

Trike (2 Rear Wheels)
A motorcycle that is similar to a touring motorcycle but that is equipped with two wheels at the back and one at the front. The usual layout of a trike is for the power to be delivered to one or both rear wheels, while the front is used for steering.

Trike
   

3-Wheel Motorcycle (2 Front Wheels)
A motorcycle that is designed with a "Y" shaped chassis featuring two wheels in the front and one in the rear.

3 Wheel Motorcycle

ABCs of Insurance | Basic Autopac | Optional Autopac | Insuring a Vehicle | New to or Leaving Manitoba |
Buying or Selling
| Planning a Trip | Autopac Fleet Program | FAQ

Back to Top

Manitoba Public InsuranceEnglish Home PageSite MapDisclaimerContact UsFrançais
Insurance Rate CalculatorSalvage ListingsAuto TheftDriving QuizzesDriving TipsCareers with UsBroker LocatorOur LocationsRelated Links
About Uswhite ruleNewsroomwhite ruleInsurancewhite ruleRegistrationwhite ruleDriver Licensingwhite ruleSpecial Risk Extensionwhite ruleClaimswhite ruleFraudwhite ruleConsumer Protection - Sanctionswhite ruleRoad Safetywhite ruleDriver Educationwhite ruleDriver Ed Challengewhite ruleIn the Communitywhite ruleBrochureswhite ruleFormswhite rulewhite rulewhite ruleCopyright Manitoba Public Insurance
Insurance
spacer
  ABCs of Insurance Insuring a vehicle Plan a Trip
  Basic Autopac New to or Leaving MB Fleet Program
  Optional Autopac Buying or Selling FAQ