Compare Motorcycle Insurance Quotes in Quebec

Motorcycle insurance is mandatory in Quebec, and it is separate from any car policy you may have. You must carry at least $50,000 in civil liability insurance to ride legally.

If your motorcycle is leased or financed, lenders usually require “two-way” coverage, that is, collision or upset plus comprehensive, to protect the bike itself. Proof of this insurance is needed when you register.

Because SAAQ covers bodily injury, private policies focus on property damage and liability to others. Riders who travel outside Quebec often choose $1 million or $2 million in liability, since claims can be larger in other jurisdictions.

Two-way coverage pays to repair or replace your bike after an at-fault crash, while comprehensive covers theft, fire, vandalism, and many weather-related losses, subject to your deductible. Your auto policy does not extend to your motorcycle, you need a dedicated motorcycle policy with the right limits and deductibles for the bike you ride.

Quebec’s structure helps many riders pay less for liability than in fully private provinces, though prices still vary by rider, motorcycle and location. Insurer discounts and eligibility change over time, so confirm current terms when you shop.

What Does Motorcycle Insurance in Quebec Cover?

Civil liability is the foundation of a Quebec motorcycle policy.

The legal minimum is $50,000, but riders who travel outside Quebec often choose $1 million or $2 million because out-of-province claims can be costly.

Property damage coverages for your own bike are optional, collision or upset pays for crash damage and comprehensive pays for non-collision losses such as theft, fire or vandalism.

Bodily injury to anyone hurt in a traffic accident in Quebec is paid by the SAAQ public plan, funded through your licence and registration fees.

One-way policies include only Section A, civil liability. Two-way adds Section B physical damage (collision or upset and, or comprehensive).

When you ride regularly outside Quebec, higher liability limits are recommended.

Accessories and equipment limits vary by insurer, for example, some policies include a $5,000 limit, while others require you to buy extra.

Optional Motorcycle Insurance Add-Ons in Quebec

Beyond mandatory coverage, Quebec riders can enhance their protection with several optional coverages.

Collision coverage protects your motorcycle if you’re involved in an accident or if your bike overturns, covering repair costs up to your bike’s actual cash value minus your deductible.

Comprehensive coverage protects against non-collision events like theft, fire, vandalism, weather damage, and collisions with animals.

Comprehensive insurance also covers damage to your motorcycle from fire, theft, vandalism, and glass breakage.

Given that motorcycle theft is a significant concern, especially in urban areas like Montreal, comprehensive coverage is highly recommended for newer or higher-value motorcycles.

“All risk” or B1 coverage combines both collision and comprehensive protection, offering the most complete protection for your motorcycle.

This coverage type is particularly valuable for new motorcycles or sport bikes with high replacement costs. When looking for all risk motorcycle insurance, you need to mention it when finalizing your quote.

Specified perils coverage offers a middle ground, protecting against select risks like fire, theft, and weather damage but excluding some comprehensive coverage elements.

For riders seeking basic protection beyond liability, this option provides essential coverage at a lower premium than full comprehensive.

Replacement cost coverage is available for newer motorcycles, ensuring you receive the purchase price rather than depreciated value if your bike is declared a total loss within the first few years of ownership.

With this coverage, you can replace your motorcycle with a new vehicle of the same make and features, without any depreciation deductions.