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Motorcycle belayer: Your motorcycle quote in a few clicks

Finding the right motorcycle insurer in Quebec is not just about comparing prices: you need coverage adapted to the type of motorcycle (sporty, cruiser, road, off-road), your driver profile and the seasonality of Quebec. Assur360 is a brokerage firm certified by the Autorité des marchés financiers (AMF) that compares the offers of 15+ insurers specializing in motorcycles to offer you the best premium, with winter storage discounts and personalized protection.

MOTORCYCLE INSURANCE QUEBEC

Your motorcycle quote in 3 minutes

15+ insurers compared, winter storage included, monthly payment. No strings attached.

Get my motorcycle quote
15+
Motorcycle Belayers QC
3 min
Quick Quote
-40 %
Winter storage discount
100 %
AMF Brokers

Why a motorcycle insurer makes a difference

Unlike car insurance, motorcycle insurance is a specialized product that is not offered by all Quebec insurers. A vintage cruiser, a 600cc sports bike, an adventure touring bike and a mountain bike require separate price lists. Insurers specializing in motorcycles know the mechanics, the theft rates by model, the risk of collision according to the engine capacity and offer coverage that generalists do not offer: extended replacement cost, equipment (helmet, boots, jacket) up to $3000, automatic winter storage and replacement of OEM parts rather than aftermarket.

Types of motorcycles covered by our insurers

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Sports

Yamaha R6/R1, Suzuki GSX-R, Honda CBR, Kawasaki Ninja, Ducati Panigale. Higher premiums, but specific coverages available.

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Cruisers

Harley-Davidson, Indian, Yamaha V-Star, Honda Shadow. Moderate premiums, replacement cost often included on recent models.

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Routières / Touring

Honda Gold Wing, BMW K1600, Harley Road King. Long interprovincial trips, essential roadside assistance.

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Adventure / Dual-sport

BMW GS, KTM Adventure, Yamaha Ténéré. Mixed on/off-road use, specialized coverage required.

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Supermoto

KTM SMC, Husqvarna 701, Ducati Hypermotard. Light urban motorcycles, competitive prices.

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Off-Road / Motocross

KTM EXC, Honda CRF, Yamaha YZ. Unregistered motorcycles — RC + theft coverage recommended.

Motorcycle insurance coverage available in Quebec

A well-constructed motorcycle policy combines several protections. Your Assur360 broker helps you assemble the right coverage according to your use and budget.

ProtectionWhat does it coverMandatory?
ThirdParty Liability Damage (min. $1,000,000 recommended: $2 M)Yes ($50,000 min.)
Collision (B2)Damage to your motorcycle in an accident (with or without a third party)No
Specified Perils (B3)Theft, Fire, Vandalism, Hail (Critical for motorcycles with high risk of theft)No
All perils (B1)Collision + specified perils + damage not excludedNo
Replacement Cost (FAQ 43B)Replacement for 24-36 months on a recent motorcycleNo
Helmet, boots, jacket, gloves — up to $3000 depending on insurerNo
PassengerPassenger bodily injury (SAAQ supplement)No
Roadside assistanceTowing, breakdown assistance, accommodation in case of breakdownNo

Motorcycle insurance prices in Quebec in 2026

The cost of motorcycle insurance in Quebec generally ranges from $250 to $2,500 per season depending on several factors. Here are the average ranges observed in our broker network:

$$$$$$
Motorcycle typeExperienced driverDriver < 25 years old
Cruiser 650-1200cc$350 – $700800 – $1400
600cc Sports $650 – $13001500 – $2800
Sports 1000cc+$900 – $18002000 – $3500
Touring/Gold Wing$500 – $9001200 – $2000
Adventure (GS, Africa Twin)$450 – $8501100 – $1800
Off-Road (Unlicensed)$200 – $400350 – $650

These rates are indicative and vary by region, driving record, deductibles chosen and coverage added. Get your personalized price in minutes with our online motorcycle quote.

Factors that influence your motorcycle insurance premium

1

Displacement and power

A 1000cc sports car costs 3 to 5 times more than a 650cc cruiser. Belayers segment into classes: 0-250cc, 251-600cc, 601-999cc, 1000cc+.

2

Years of experience as a motorcyclist

Holding a Class 6 license for 5+ years without an accident = substantial discount. A freshly obtained 6A licence = additional premium.

3

Age of the driver

Motorcyclists under the age of 25 pay 40 to 100% more. After 25 years with a clean record, premiums drop significantly.

4

Anti-theft and parking

An approved lock (such as a disc lock or approved chain) and a closed garage can reduce the premium by 10 to 25%.

5

SAAQ and FADQ file

Violations of the Highway Safety Code, demerit points and previous claims have a direct impact on the premium for 6 years.

6

Usage and mileage

Leisure use (less than 5000 km/season) vs daily use. Motorcycles used for work are categorized differently.

7

Place of residence

Montreal and Laval have higher theft rates, and therefore higher premiums than in the regions. Gatineau, Sherbrooke and Trois-Rivières offer more competitive rates.

8

Multi-product grouping

Combining motorcycle + car + home with the same insurer can offer an overall discount of 10 to 20%.

Winter storage: reduce your premium by up to 40%

In Quebec, the motorcycle season runs on average from April 15 to October 31. During the 5 months of winter, your motorcycle is stored and not driven, which allows a major reduction in your premium.

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How winter storage works

You inform your insurer of the storage dates (e.g. from November 1st to April 15th). During this period, your policy is suspended on collision and civil liability, but retains protection against theft, fire and vandalism. The result: 30 to 40% off the total annual premium.

Legal obligations and motorcycle licenses in Quebec

The SAAQ strictly regulates motorcycle driving in Quebec. Here are the obligations to be respected:

  • Class 6 licence — mandatory for all road motorcycles. Three sub-classes: 6A (any displacement), 6B (up to 400cc), 6C (cicloengine)
  • 6R licence (apprentice licence) – apprenticeship period of at least 11 months with restrictive conditions
  • Annual registration — mandatory plate on road motorcycles, annual SAAQ renewal
  • Liability insurance — minimum $50,000 mandatory ($1 to $2 million recommended)
  • DOT approved helmet — mandatory for driver and passenger, penalty $200 to $300
  • Mechanical inspection – annual for motorcycles over 7 years old
  • Drinking and driving — zero tolerance for new drivers (less than 5 years of licence)
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Motorcycle accident statistics in Quebec

According to the SAAQ, motorcyclists account for about 15% of road fatalities in Quebec, although they make up only 2% of vehicles. $2 million in liability coverage and good collision insurance are essential to protect you and your family financially.

FREE MOTORCYCLE INSURANCE

Compare 15+ motorcycle belays in 3 minutes

Winter storage, replacement cost, biker equipment included.

Motorcycle Quote

Motorcycle Quote Process at Assur360

1

Online form (3 minutes)

Model and year of the motorcycle, engine capacity, your age, years of class 6 license, postal code, parking.

2

Courtier AMF will contact you within 24 hours

Your broker analyzes your file and solicits the 5 to 10 most competitive insurers according to your profile.

3

Compare offers

Comparison chart of premiums, deductibles, coverages and discounts — clear explanation of the differences.

4

Immediate subscription

Electronic signature, monthly or annual payment, proof of insurance issued immediately to drive in good standing.

Our motorcycle brokers throughout Quebec

Assur360 serves motorcyclists throughout Quebec through its network of 13 AMF brokerage firms. Whether you ride on Route 132, in the Eastern Townships or on the FCMQ trails, a local broker knows the particularities of your region. We serve Montreal, Quebec City, Laval, Gatineau, Longueuil, Sherbrooke, Trois-Rivières, Saguenay, Lévis, Terrebonne, Saint-Jean-sur-Richelieu, Thetford Mines and Drummondville.

Related Products Offered by Your Brokers

Frequently Asked Questions — Motorcycle Insurer Quebec

How much does motorcycle insurance cost in Quebec in 2026?
Motorcycle insurance in Quebec costs on average between $250 and $2,500 per season, depending on the type of motorcycle, your age, your years of experience and the coverage chosen. A 650cc cruiser driven by a 40-year-old motorcyclist with a clean record can cost as little as $350. A 1000cc sports car for a young driver can reach $3,500. Compare offers for free.
Does motorcycle insurance cover the winter period?
Yes, most insurers offer a seasonal suspension during the winter, which reduces your premium by 30-40%. Only the protection against theft, fire and vandalism remains active during storage. Inform your broker of the specific dates of the deposit (e.g., November 1 to April 15).
What motorcycle insurance coverage is recommended?
We recommend: civil liability from $1 to $2,000,000, collision (for motorcycles less than 10 years old), complete perils (theft, vandalism, fire), replacement cost for recent motorcycles, protective equipment (helmet, boots, jacket) and roadside assistance for long trips.
Should you insure an off-road motorcycle (motocross, enduro)?
Dirt bikes (unregistered) do not legally require insurance, but liability and theft coverage is highly recommended. Motocross motorcycles are often stolen during transport in trailers. An off-road policy typically costs $200 to $400 per year.
Is the passenger of my motorcycle covered?
In Quebec, the SAAQ covers bodily injuries to all occupants of a vehicle (driver and passenger). Your private motorcycle insurance covers material damage. You can add Supplemental Passenger coverage for additional medical expenses and disability.
Are electric motorcycles insurable?
Yes. Electric motorcycles (Zero, Energica, LiveWire) are insurable under the same coverage as a gasoline-powered motorcycle. Some insurers even offer ecological discounts. The value of the battery (often 30 to 40% of the price) must be properly declared for fair compensation in the event of a claim.
Is my equipment (helmet, jacket, boots) covered?
Generally yes, via the “motorcyclist’s equipment” endorsement included by most specialist insurers. The amounts range from $1500 to $3000. Keep your invoices: in the event of a claim, the insurer asks for proof of value.
Do I have to report modifications to my motorcycle?
Yes, any modifications (exhaust, ECU, suspension, performance parts) must be reported to the insurer. Non-declaration = risk of rejection of the claim. Some cosmetic modifications (suitcases, windscreens) are accepted at no extra premium.
Can I transfer my motorcycle policy from one province to another?
No, insurance contracts are provincial. If you move, you must purchase a new policy in the province of arrival. Assur360 can help you with Quebec. Conversely, interprovincial visits of less than 30 days are generally covered by your existing policy.
What motorcycle insurers are available in Quebec?
Several insurers accept motorcycles in Quebec, including specialists such as L’Unique, Promutuel, Intact, Economical, Aviva, Pafco, Jevco and Wawanesa. The acceptance criteria vary greatly from one insurer to another (age, cylinder capacity, record). Your Assur360 broker identifies those who will offer the best price according to your profile.
Is motorcycle insurance mandatory in Quebec?
Yes, the minimum civil liability of $50,000 is mandatory to drive on public roads in Quebec. In practice, $1 to $2,000,000 is highly recommended. Driving without insurance = a fine of $325 to $2800 and forfeiture of the vehicle.
Can I pay for motorcycle insurance monthly?
Yes, most insurers offer a monthly payment (often with a small administrative fee of 3-5%) or annually. The annual payment is generally more advantageous.

Why trust Assur360 for your motorcycle insurance?

✓AMF certified firm
✓ChAD Member
✓15+ motorcycle belays
✓13 QC partner firms
✓Winter storage included
✓Phone: 1-866-357-4451

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Compare 15+ motorcycle belays in 3 minutes. No commitment, no credit card required.

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