According to Assur360’s internal analyses, out of more than 8,000 quotes processed in 2025, 1 in 3 Quebec motorcyclists pay an average of $320 too much per year on their insurance — simply because they only compared one insurer. Here’s how an independent motorcycle insurance comparison tool works in 2026, and the 3 steps to save 18-25% on your premium.
Independent comparator vs. direct insurer: 60% difference possible
A direct insurer (Intact, Beneva, Promutuel, etc.) can only offer you its own rates. An independent comparator puts you in touch with several partner firms and brokers who have access to 9 to 15 insurers. For the same profile on a Yamaha MT-07, the differences observed in 2025 ranged from $820 to $1,410 — a 60% difference for the same coverage.
💡 Real Example — 32 Year Old Profile, Yamaha MT-07, Montreal
- Insurer A (direct): $1,410/year
- Insurer B (via broker partner): $980/year
- Insurer C (via broker partner): $820/year
Savings when comparing: $590/year — same exact coverage.
The 3 steps of the Assur360 comparator
You fill out your profile
3 minutes: motorcycle model, experience, sector, use (leisure/daily). No commitment.
A partner firm contacts you
Within 24 business hours, a certified Chambre de l’assurance broker compares 9+ insurers for your file.
You choose (or not)
Transparent comparison of the 3-5 best prices. No purchase necessary. Completely free service.
Why an independent comparator and not a web aggregator?
Several sites in Quebec offer online “comparators” that are in fact lead generation aggregators selling your data to several insurers simultaneously. You end up with 5-10 calls from competing reps in the same week.
An independent comparator such as Assur360 puts you in touch with a single partner firm that becomes your single point of contact. This is the firm that questions insurers on your behalf — not 9 representatives who harass you.
The 9+ insurers available through Assur360
Frequently asked questions — Motorcycle comparison
Is the Assur360 comparator really free?
Yes. Partner firms are paid by insurers if you sign up — just like a traditional broker. No fees charged to the customer, no obligation to purchase.
How many times a year should I compare?
Ideally, at each renewal (1×/year). At least every 2 years. Insurers’ rates vary annually based on their claims results — this year’s “cheapest” may be 25% more next year.
Is my information shared with all insurers?
No. Only your partner firm receives your file. It queries insurers on your behalf without providing all your personal data. Complies with Bill 25 (Quebec).
What if I am happy with my current insurer?
A comparison does not commit you to anything. If your current rate remains the best after comparison, you stay with your insurer — without having lost anything. If a better price exists, you decide whether to change or not.
How long does it take to receive my submissions?
Typically 24-72 business hours after your request. Complex cases (high-performance sports, claims file) can take up to 5 days.
Are you paying too much?
Compare your current premium with 9+ Canadian insurers in 3 minutes. No commitment. Free service.
Compare now→
