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Underwritten by Beacon by SPG Canada

Beacon Motorcycles (RideSmart)

The story beyond your coverage.

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Fast, Flexible, and Fully Covered on the Course

Beacon Motorcycles (RideSmart),
Now Part of mySPG

In BC, ICBC handles the basics. But the basics don’t cover what your motorcycle actually means to you. That’s where Beacon Motorcycles comes in.

Better known as RideSmart, this is an All Risk Physical Damage program built specifically for experienced British Columbia motorcyclists — the riders who’ve spent years on the road and want coverage that reflects it. RideSmart recognizes your experience with substantial discounts and fills in the protection ICBC simply isn’t designed to provide.

What started as Beacon is now Beacon by SPG Canada, and it’s part of mySPG: the same coverage you trust, with a clearer connection to the broader SPG Canada family.

Whether you ride a touring bike across the Coquihalla, a sport bike along the Sea-to-Sky, a cruiser through the Okanagan, or a vintage machine you’ve spent years restoring, your motorcycle is more than transportation. It’s where your story happens. We make sure that story is protected.

What RideSmart covers?

RideSmart is an All Risk Physical Damage policy on an Agreed Value basis — meaning you and your broker agree on the value of your motorcycle at the start of the policy. That’s what’s paid in the event of a total loss. No depreciation surprises at claim time.

The policy is designed to work alongside your ICBC coverage, picking up the physical damage protection ICBC doesn’t include:

  • Collision damage to your motorcycle

  • Theft and vandalism

  • Fire

  • Comprehensive perils (falling objects, animal impact, weather events, and more)

Built-in extensions

RideSmart includes several extensions that come standard, not as paid add-ons:

  • Emergency roadside service expense coverage — when something goes wrong far from home

  • Lock re-keying — if your keys are stolen, you’re covered for the cost of new locks and keys

  • Travel protection — coverage for the extras that come up when you’re away from home after a covered loss

  • $1,000 coverage for motorcycle trailers — for the trailer that gets your bike to the trailhead, the track, or the rally

  • $3,000 coverage for riding gear — helmets, jackets, boots, and protective equipment included as part of the policy

Who RideSmart is built for?

RideSmart is designed specifically for experienced British Columbia motorcyclists. Your years on the road are recognized through substantial discounts, and the policy wording reflects the real-world needs of riders who know their bikes and ride them often.

Eligible motorcycle types include:

  • Touring bikes — long-distance machines built for the highway

  • Sport bikes — track-capable and street-legal

  • Cruisers — V-twins, baggers, and everything in between

  • Standard and naked bikes

  • Vintage and classic motorcycles — properly valued on an Agreed Value basis

Ask your insurance broker whether your bike and your riding experience qualify for the RideSmart program.

Why Beacon by SPG Canada?

  • Built for BC riders — RideSmart is a BC-specific program designed to work alongside ICBC, not duplicate it

  • Agreed Value, not Actual Cash Value — your motorcycle is worth what you and your broker agreed it was worth, not what an adjuster decides later

  • Experience-based discounts — years on the road translate directly into premium savings

  • Riding gear included — $3,000 in gear coverage as standard, not an add-on

  • Vintage and classic-friendly — Agreed Value pricing means restored, and collector bikes are properly valued

  • A name behind the name — Beacon Motorcycles (RideSmart) is now part of mySPG, the policyholder community of SPG Canada

Ask your insurance broker

Your broker knows your bike, your riding history, and what ICBC does and doesn’t cover. They can walk you through whether RideSmart is the right fit, and how much your years of experience could save you.

A note on the name

You may have known us simply as Beacon, or known the program as RideSmart. We’re now Beacon by SPG Canada, part of the mySPG community. Beacon Motorcycles (RideSmart) is the same coverage, same team, same experience-based discounts — just a clearer connection to the SPG Canada family that has stood behind your policy all along.

Motorcycle FAQs

No. Driving to and from work is not considered business use and is permitted on this policy.
Yes. Coverage is for Canada and the Continental United States of America including Alaska.
Yes. There are no exclusions for using the insured unit off road. It is important to remember there is no off-road liability attached to this program.
Yes. But they must be abiding by all conditions and sub conditions of the wordings. They must have the named insured consent and must qualify for the program.
Yes! We will require a current Motorcycle Appraisal for review upon applying for coverage.
Any Motorcycle Club that requires a paid membership will go toward obtaining a Club Membership Discount on your policy. Let your broker know if you don’t see this discount on your policy declaration page.

Helpful Links

Resources

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Get a Quote!

AC&D Insurance (British Columbia)
www.acdinsurance.com

InsureBC (British Columbia)
www.insurebc.ca

Rand & Fowler Insurance (British Columbia)
www.rfinsure.com

Swift Insurance (British Columbia)
www.swiftins.ca

If you can’t find your Beacon broker, call them directly or click here to search the broker list.