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2026 BMW MOTORRAD MOTORCYCLE INSURANCE

BMW Motorrad Motorcycle Insurance Quebec — Compare 9+ Premium Insurers

R1250GS Adventure, S1000RR, R nineT, F850GS, F900R, K1600 GTL, CE 04 electric — BMW Motorrad combines German technology with high value, requiring a specialized broker to optimize your premium premium.

Compare 9+ Free Quotes
$1,650
BMW Motorrad QC average premium
9+
Insurers Compared
3 min
Online submission deadline
15+ years
Motorcycle expertise

Are you looking for BMW Motorrad motorcycle insurance at the best price in Quebec? Assur360 compares more than 9 insurers for you that specialise in German premium adventure, sports & touring motorcycles and saves you up to 30% on your premium. Quote in 3 minutes, independent broker, 100% Quebec service.

Insurance prices per BMW Motorrad model in Quebec

BMW Motorrad modelEstimated annual bonus
G310 R / GS$900 – $1,250
F750GS / F850GS / F900R / F900XR$1,150 – $1,800
R1250GS / R1250GS Adventure$1,450 – $2,250
R nineT / R12 / R18 Cruiser$1,350 – $2,100
S1000RR / S1000R / S1000XR / K1600 GTL$1,950 – $3,400

Indicative rates for a 30-45 year old driver, 5+ years of motorcycle experience, clean record, comprehensive coverage (B1) with $500-1000 deductible. Your actual premium depends on your profile, zip code, history and reported changes.

Insurance features for BMW Motorrad

R1250GS best-selling in Quebec

The GS is the most popular adventure motorcycle in Canada. Parts available, BMW Motorrad network established (Motorrad Montreal, Motorrad Quebec). Stable premiums with moderate claims history.

S1000RR and K1600 premium

The supersport S1000RR requires a minimum of 25 years of experience and 3 years of experience with most insurers. The K1600 GTL 6-cylinder touring ($40,000+) requires replacement cost coverage for the first 2-3 years.

ConnectedRide and integrated lock

Several recent BMWs (1250GS, S1000RR) incorporate an advanced anti-theft system and ConnectedRide GPS. This equipment entitles you to a 5 to 12% discount with specialized insurers.

Accessories Touratech, Wunderlich, Vario

Adventure accessories (Vario cases, top case, Touratech tank protector, Wunderlich kickstand) quickly increase the value from $3,000 to $8,000. Essential accessory endorsement.

Recommended coverages for your BMW Motorrad

Civil liability (mandatory)

Minimum $1 million, recommended $2 million. Covers damage caused to others in the event of an at-fault accident.

Collision (B2)

Covers damage to your motorcycle in the event of a collision, whether you are at fault or not. Typical deductible $500-1000.

All risks (B1)

Collision + theft + fire + vandalism + hail + broken glass. Essential on new and premium models.

Accessories and equipment

Exhaust, fairings, suitcases, GPS, helmet, jacket. The base is capped at $1,500 — an endorsement required beyond that.

Replacement cost 24 months

Refund at the new price within the first 24 months of purchase — essential on new models.

Towing and assistance

Breakdowns, flat tires, accidents on the road — towing to a garage or home, often included for up to 100 km.

How to get your BMW Motorrad quote in 3 minutes

1

Enter your BMW Motorrad model and profile

Exact model, year, mileage, postal code, Class 6A license year, accident history and added accessories.

2

Our brokers compare 9+ insurers

Intact, Promutuel, Dalbar, April Marine, Northbridge, Aviva, Wawanesa, RSA, Economical — we solicit specialized motorcycle programs.

3

Receive 3 to 5 offers within a day

By email or phone. You choose the best offer based on price, coverage, and endorsements.

4

Insurance effective immediately

Payment, proof of insurance issued within 24 hours, SAAQ registration, you go driving with your BMW Motorrad.

💡 Advice from a specialist motorcycle broker

Before purchasing your BMW Motorrad insurance, compare at least 3 quotes. The spread between insurers can exceed $800/year for exactly the same coverage. Our brokers negotiate discounts for GPS trackers, MotoMentor courses, locks and multi-contracts (car + motorcycle + home) to optimize your total premium.

Assur360: your motorcycle broker throughout Quebec

Assur360 serves BMW Motorrad motorcyclists in all regions of Quebec: Montreal, Laval, Longueuil, Quebec City, Gatineau, Sherbrooke, Trois-Rivières, Saguenay, as well as all cities in Montérégie, Laurentides, Lanaudière, Estrie, Capitale-Nationale, Saguenay-Lac-Saint-Jean, Mauricie, Centre-du-Québec and Bas-Saint-Laurent. Our brokers are available by phone (1-866-357-4451), email (info@assur360.ca) and online to assist you in your choice of motorcycle insurance.

Frequently asked questions — BMW Motorrad motorcycle insurance

What is the average price of BMW Motorrad insurance in Quebec in 2026?
Between $1,100 and $3,400 per year. An F750GS or F900R costs $1,150 to $1,800. A R1250GS is $1,450 to $2,250. A S1000RR or K1600 goes up to $1,950 to $3,400 depending on age and record.
Why is R1250GS insurance more affordable than a S1000RR?
The GS is an adventure/touring adventure with a moderate risk profile and an older average driver (45+ years old). The 1000cc supersport S1000RR has a high risk profile (young riders, track). Same displacement 1000cc but opposite profiles.
Is S1000RR insurable at age 23 in Quebec?
Difficult with large insurers (25-year + 3-year experience). An Assur360 specialized broker has access to programs with Dalbar, April Marine or niche insurers that can accept it with MotoMentor courses, GPS anti-theft and premium increased by 15 to 25%.
Do I have to declare my Touratech accessories and Vario cases?
Imperatively. A complete set (2 side cases + top case + engine protection + BMW Nav GPS + LED headlights) represents $4,000 to $8,000 worth of accessories. Without an endorsement, the insurer reimburses the naked motorcycle. Adding the endorsement costs $150 to $350/year.
Do the ConnectedRide and BMW lock reduce my premium?
Yes, from 5 to 12%. The BMW integrated anti-theft system and ConnectedRide geolocation are recognized by Promutuel, Intact and several specialized insurers. A third-party tracker (Boomerang, Tag Tracking) can add an additional discount.
Which deductible to choose for a new R1250GS?
A $1,000 deductible is the optimum on a $25,000+ GS. Below $500, the premium becomes prohibitive. Above $1,500, the risk becomes significant in the event of an offroad fall or vandalism.
Is BMW Motorrad CE 04 electric insurable normally?
Yes, like any electric motorcycle in Quebec. Slightly higher premium than an equivalent F900R due to battery cost ($12,000+). Many insurers offer a 5-10% electric vehicle discount on electric scooters.
How long does a BMW quote take at Assur360?
Less than 3 minutes online. Model, year, licence, record and accessories. Our BMW specialist brokers compare 9+ insurers and contact you within a day with the best offers.

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Why trust Assur360?

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✓9+ motorcycle insurers compared
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✓100% Quebec service

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