Ontario M1 overview

Ontario M1: Insurance, registration and maintenance

Compulsory insurance and fines, plates and permits, the six-day reporting rules, buying and selling a used motorcycle, safety standards certificates, weekly maintenance checks and risky modifications.

  • 18 questions
  • Topic drill
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Insurance, registration and maintenance · Question 1Score 0/0

You paint your motorcycle a new colour. How soon must you report it?

Study reference: MTO Motorcycle Handbook (online edition, 2026), Ch. 7 Keeping your motorcycle or moped on the road — Insurance, registration, buying and selling, maintenance

All 18 questions in this test

Every question and its answer choices. The correct answers and explanations appear when you take the test above.

  1. You paint your motorcycle a new colour. How soon must you report it?

    1. Within six days
    2. Within 15 days
    3. Within 30 days
    4. At your next renewal
  2. Why can extra-low clamp-on road race handlebars be a problem on the street?

    1. They block the headlight beam and the instrument lights
    2. They are too wide for lanes
    3. They make shoulder checks harder and cause fatigue
    4. They make the bike too tall
  3. You sell your motorcycle. What happens to its licence plates?

    1. You must destroy them
    2. The buyer returns them to ServiceOntario
    3. You remove them; plates stay with the owner
    4. They stay on the bike for the buyer
  4. What is the fine range for giving false information or documents about your insurance?

    1. $500 to $2,500
    2. $25,000 to $50,000
    3. $1,000 to $5,000
    4. $5,000 to $25,000
  5. Your brakes feel spongy and make a scraping sound. What should you do?

    1. Add air to the tires
    2. Use only the rear brake for now
    3. Ride gently until the next oil change
    4. Have them serviced right away
  6. Your motorcycle bounces several times after a bump. What may need attention?

    1. The headlight aim
    2. The spark plugs
    3. The fuel valve
    4. The shock absorbers
  7. A decorative frame partly covers your licence plate. Is that allowed?

    1. Yes, if the numbers can be read
    2. No, the entire plate must be visible
    3. Yes, on a motorcycle only
    4. Only during the winter
  8. What colour is the licence plate issued to limited-speed motorcycles?

    1. Yellow with black lettering
    2. Green with white lettering
    3. White with blue lettering
    4. Red with white lettering
  9. Must you insure your motorcycle or moped in Ontario?

    1. Only if the bike is new
    2. Only if you ride on highways
    3. Yes, insurance is compulsory
    4. Only for motorcycles, not mopeds
  10. How long is a safety standards certificate valid after the inspection?

    1. 36 days
    2. 30 days
    3. 90 days
    4. 6 days
  11. What is the minimum third-party liability insurance you must carry?

    1. $1,000,000
    2. $100,000
    3. $200,000
    4. $50,000
  12. You are selling your used motorcycle privately. What must you buy and give the buyer?

    1. A used-vehicle information package (UVIP)
    2. A new set of licence plates
    3. A safety standards certificate only
    4. A copy of your insurance card
  13. You bought a motorcycle without a safety standards certificate. What can you not do yet?

    1. Insure it with a company
    2. Store it in your garage
    3. Register it in your name at ServiceOntario
    4. Put your plates on it and ride it
  14. What does the handbook say longer-than-standard forks do?

    1. Improve braking and cornering stability on wet roads
    2. Make the bike more visible
    3. Reduce steering precision and stress the frame
    4. Lower fuel consumption
  15. What is the minimum tire tread depth the handbook gives for a motorcycle?

    1. 5 millimetres
    2. 1.5 millimetres
    3. 3 millimetres
    4. 0.5 millimetres
  16. After buying a used motorcycle, how soon must you register as the new owner?

    1. Within 30 days of the sale
    2. Before the next licence renewal
    3. Within six days of the sale
    4. Within 36 days of the sale
  17. A police officer asks for your insurance card and you do not have it. What fine can you face?

    1. Up to $100
    2. Up to $5,000
    3. Up to $400
    4. Up to $1,000
  18. Which insurance covers damage to your own motorcycle and is not required by law?

    1. Collision insurance
    2. Uninsured motorist coverage
    3. Accident benefits coverage
    4. Third-party liability

Insurance, registration and maintenance: key rules to remember

Our summary of what the official handbook says on this topic, in our own words. Read it before or after the practice questions above, then check the original chapter. Read the official chapter ↗

Insuring your motorcycle or moped

  • Compulsory insurance; proof needed to register or renew.
  • False insurance info or documents: fine $5,000 to $25,000, licence suspended up to one year, vehicle impounded up to three months.
  • Minimum third-party liability $200,000. Collision insurance optional.
  • Carry the pink liability card for the vehicle; failure to show: fine up to $400.

Registering your motorcycle or moped

  • Registration = plates + vehicle permit. Mopeds: show bill of sale; dealers provide a certificate that the moped meets the HTA definition.
  • LSM plate: same size as motorcycle plate, green with white lettering.
  • Plate-to-owner system: remove plates when selling; reuse or return to ServiceOntario.

Keep your licence plate visible

  • Entire plate completely visible (no dirt, snow, frames, bikes) or you may be fined.
  • Report vehicle changes (e.g., colour) within six days; name or address change within six days (in person, by mail, or online).

Buying or selling a used motorcycle or moped

  • Private seller of a used motorcycle must buy a UVIP (not for mopeds) and show/give it to the buyer; it has description, registration and lien history, values, tax info.
  • Seller removes plates, signs vehicle transfer portion, keeps plate portion.
  • Buyer registers within six days.
  • Before putting plates on: validated plates, vehicle portion of permit, plate number recorded, valid safety standards certificate (not mopeds), minimum insurance.

Safety Standards Certificate

  • Can buy and register without one, but cannot plate or drive the vehicle. Issued by licensed motor vehicle inspection stations. Valid 36 days after inspection; not a warranty. Mopeds exempt.

Maintaining your motorcycle or moped (weekly)

  • Tire tread at least 1.5 mm; check cuts, cracks, bulges; air pressure.
  • Wheels: spokes, rims, spin and wiggle test. Coolant and hoses. Battery fluid. Chain: clean, oil, check wear (shaft drive: fluid). Shocks: repeated bouncing or clunk. Fastenings: loose or missing nuts, bolts, cotter pins. Brakes: scraping or spongy = service immediately; hydraulic fluid level.

Accessories and modifications

  • Must not affect safety and must comply with the HTA. Extended forks: less steering precision, more frame stress. Low clamp-on bars: harder shoulder checks, fatigue. Bad touring add-ons: overload, handling change, blowout.

Choosing a motorcycle safety course

  • Approved course reduces Level Two time by four months; about 14 hours of practice on a provided motorcycle; may include the road test; possible insurance discount.

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