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2026 Bentley Quebec Auto Insurance: Pricing and Quote

Do you drive a Bentley in Quebec? Continental GT, Flying Spur, Bentayga, Mulsanne, Azure or Bacalar — these British W12 and twin-turbo V8 gems represent an investment of $250,000 to $500,000. Assur360, an AMF-certified firm and member of the Chamber of Insurance, specializing in high-end car insurance, compares the few insurers that accept British ultra-luxury vehicles in Quebec. Mandatory agreed value, agreement with certified body shops in Toronto/USA, international coverage: our brokers build a policy that fits your Bentley.

Bentley car — Assur360 car insurance

IN BRIEF

Bentley Car Insurance (Continental GT, Bentayga, Flying Spur)

Bentleys ask for premium luxury insurance — premiums $4,000-9,000/year with typical agreed value $200,000-400,000.

Conditions: 35+ years old driver, impeccable track record. Genuine parts warranty, Bentley certified workshop (Montreal). Optional private driver coverage.

2026 BENTLEY AUTO INSURANCE

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Why insure your Bentley with Assur360?

Insuring a Bentley in Quebec requires a very different expertise than a standard vehicle. Extreme replacement value, rare hand-built parts, specialized body shops not in Quebec, risk of organized theft, seasonal use — all parameters that determine the relevance of your policy. Our Assur360 brokers work with the few Canadian insurers that accept ultra-luxury vehicles (Chubb Signature, AIG Private Client, Aviva Private Clients, Hagerty Canada) and structure your coverage according to international agreed value standards.

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Ultra-luxury specialists

Our brokers know Bentley, its specificities and its insurance requirements.

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Guaranteed Agreed Value

Predetermined amount — no depreciation in the event of a total loss.

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International Assistance

Canada-U.S. coverage and Europe extensions for rallies.

Popular Bentley Models to Insure in Quebec

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Bentley Continental GT

GT coupe W12/V8 twin-turbo. Value $275,000 – $400,000. Premium $7,000 – $14,000/year.

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Bentley Flying Spur

Prestige sedan. Value $260,000 – $380,000. Premium $6,500 – $12,000/year.

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Bentley Bentayga

W12 hybrid ultra-luxury SUV. Value $280,000 – $450,000. Premium $7,500 – $15,000/year.

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Bentley Mulsanne

Limousine V8 6.75L (heritage). Value $350,000+. Premium $8,000 – $16,000/year.

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Bentley Azure / Continental GTC

Luxury convertible. Value $300,000 – $450,000. Premium $7,500 – $14,500/year.

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Bentley Bacalar / Batur

Limited edition Mulliner. Value $2 million+. Tailor-made premium, specialized markets.

Average Bentley Insurance Rates in Quebec 2026

Model BentleyGood Record (45+ years)Younger driverSpecial features
2024 Bentley Continental GT$7,000 – $11,000$9,500 – $14,000Value + Winter Storage
2023 Bentley Flying Spur$6,500 – $10,500$9,000 – $13,000Use, Standard Mileage
2024 Bentley Bentayga$7,500 – $12,000$10,500 – $15,0004-Season SUV, Most Used
2023 Bentley Continental GTC$7,500 – $12,500$10,500 – $14,500Convertible
2019 Bentley Mulsanne$8,000 – $13,000$11,000 – $16,000Limited Mileage

*Indicative rates 2026. Get your exact price in 3 minutes.

Factors that influence the premium of your Bentley

1

Agreed value

Amount set in advance by expert opinion. Essential for a Bentley that can increase in value or exceed $250,000. Without an agreed value, the insurer pays the fair market value, which is often much lower.

2

Winter storage / seasonal use

For coupés, convertibles and supercars, storage between November 15 and April 15 allows a 30 to 50% reduction in the premium. Storage under a heated shelter also preserves the value of the vehicle.

3

Limited mileage

Declaring less than 5,000 to 10,000 km per year (leisure use, club, outings) reduces the premium by 20 to 40%. A collector’s policy can be even more advantageous if the conditions are met.

4

Enhanced anti-theft measures

Ultra-luxury SUVs and sedans are targeted by organized networks. Closed garage, Tag / Kanaguard / ADT immobilizer, GPS with 24/7 monitoring, Faraday box for keys: almost universal requirements of insurers.

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Professional Designated Driver

A trained driver (4B license), without accident, designated as the main driver on the policy, can generate a discount of 15 to 20% — especially on Rolls-Royce and Bentleys used for VIP transport.

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Assur360 Advice — Mandatory Approved Value

For any Bentley over $200,000, require an annually revised agreed value with professional appraisal every 2 years. Keep maintenance invoices, complete history, detailed photographs. In the event of a claim, these elements justify the agreed amount.

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Recommended ultra-luxury covers for your Bentley

Agreed Value

A fixed amount agreed upon in advance in the event of a total loss — no negotiation, no depreciation. Essential for any Bentley.

24/7 international support

Long-distance towing, repatriation to a certified workshop in Toronto or USA, premium replacement vehicle 30 to 90 days.

Genuine OEM Parts

Clause requiring OEM parts — no aftermarket parts. Essential to preserve the value of the vehicle.

Specialized bodywork approval

Your policy must accept the hourly rates and methods of certified manufacturer workshops (Toronto and USA mainly).

Enhanced theft protection

GPS monitoring 24/7, immobilizer tag, Faraday key box — standard requirements of ultra-luxury insurers.

High liability

Minimum $3 million, recommended $5 million to $10 million. Essential given your heritage exposure.

Bentley insurance available throughout Quebec

Assur360 insures Bentley owners in Westmount, Mount Royal, Outremont, Saint-Lambert, Boucherville, Sainte-Foy, Sillery, Saint-Bruno and throughout Quebec. Our insurance brokers understand the ultra-luxury profile and travel as needed for the evaluation of your vehicle.

Frequently Asked Questions — Bentley Car Insurance

What is the average price of Bentley auto insurance in Quebec in 2026?
Bentley insurance in Quebec generally costs between $6,000 and $15,000 per year depending on the model, agreed value, and usage. A Continental GT ranges from $7,000 to $14,000, a Flying Spur around $6,500 to $12,000, and a Bentayga between $7,500 and $15,000. These vehicles require an agreed value and winter storage for coupes and convertibles. Get an actual price with our instant quote online.
What is agreed value and why is it mandatory for a Bentley?
The agreed value is a pre-determined amount between you and the insurer — in the event of a total loss, you receive this exact amount, without depreciation. For a Bentley that depreciates quickly at purchase but then retains its value, this is essential. Without an agreed value, the insurer applies the fair market value, often 30% to 50% below the purchase price. Our Assur360 brokers systematically negotiate an agreed value for any Bentley vehicle.
Are there certified Bentley body shops in Quebec?
To date, no body shop officially certified by Bentley Motors is located in Quebec. Structural and aluminum body repairs are generally performed in Toronto (Bentley Toronto) or at a certified shop in the United States. Your policy should include long-distance towing fees ($1,000 and up) and extended replacement vehicle coverage. Assur360 systematically adds these guarantees.
Can I use my Bentley in winter in Quebec?
Technically yes — the Bentayga is designed for all seasons with all-wheel drive. For the Continental GT, Flying Spur, and convertibles, most insurers require winter storage (stored from November 15 to April 15) in exchange for a discount of 30% to 50%. Salt and snow damage aluminum surfaces and exclusive leather/wood interiors. Discuss your actual usage with your insurance broker.
Why does a Bentley cost more to insure than a Mercedes or BMW?
Three main reasons: (1) the replacement value is 3 to 5 times higher; (2) parts are handmade in Crewe (England) and take 4 to 12 weeks to import; (3) the network of certified body shops is limited to a few shops in North America. A simple bumper replacement can cost $15,000 and a Matrix LED headlight replacement $8,000.
What coverage do you recommend for a Bentley Continental GT?
We recommend: $3M liability (or more), all risks B1 with agreed value, $2,500 to $5,000 deductible, original OEM parts guaranteed, 24/7 international roadside assistance, premium replacement vehicle for 30 to 60 days, coverage for racetracks if applicable, and legal protection. Add a theft endorsement with closed garage requirement and GPS system.
Is my Bentley targeted for theft in Quebec?
Yes. According to Équité Association, Bentayga is among the most stolen ultra-luxury SUVs in Canada (shipped by container to the Middle East and Africa). Insurers generally require: closed garage at night, class Tag anti-theft system (ADT, Tag, Kanaguard), GPS tracker with 24/7 monitoring, and sometimes a safe for the keys. Without these measures, the premium may double or the insurer may refuse coverage.
Can I drive my Bentley in the United States with my Quebec insurance?
Yes, most Bentley policies include a Canada-U.S. extension for 30 to 90 days. For longer stays (Florida, California in winter), inform your broker — an extended territory guarantee is available. Also, make sure to obtain an international pink card and an international breakdown assistance guarantee, essential far from Bentley dealerships.
Should I insure my Bentley as a collector car if I use it little?
Yes, a collector policy (or limited mileage policy) can be advantageous if you drive less than 5,000 to 10,000 km per year. These policies generally require: a second daily insured vehicle, storage under cover, pleasure use only, no commuting. Savings: 30% to 50% compared to a standard policy. Hagerty, Aviva Collection, and CNA Hardy are options to consider.
Does Assur360 insure Bentley drivers with difficult records?
Yes. Even for ultra-luxury vehicles, we have access to specialized sub-standard insurers who accept records with points, accidents, or suspensions. Rates are higher, but your Bentley remains insurable. Check our sub-standard auto insurance page for more information.

Related articles — Luxury car insurance

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