Motorcycle Insurance in Montreal
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The motorcycle market in Montreal
Montreal is one of the most dynamic regions in Quebec for motorcycles. Motorcycle theft is more common than elsewhere in Quebec — think of an approved lock (insurance endorsement), indoor parking in the winter and a secure bicycle garage. Several dealerships: Moto Internationale, Moto-Vanier, Motosport Newman.
Popular routes: Jacques-Cartier and Champlain bridges, Route 138, Highway 20 to the Townships. Assur360’s partner firms are aware of these local particularities and negotiate rates accordingly with the 9+ Canadian insurers (Intact, Beneva, Promutuel, Aviva, Echelon, Definity, etc.).
Essential Protections in Montreal
Third Party Liability (B2)
Mandatory — minimum $50,000. Our advice: $2 million to drive in urban areas.
Collision & Rollover
Covers damage to your motorcycle in the event of an accident (your fault or not).
Theft & vandalism
Essential in Montreal — require an approved lock and indoor parking in winter.
Equipment endorsement
Helmet, boots, jacket, intercom: cover up to $5,000 of riding equipment.
Long-distance towing
Essential for getaways outside Montreal (Mauricie, Charlevoix, Eastern Townships).
Winter Storage Endorsement
Savings of 30-50% on the annual premium for the 6 months of wintering.
Motorcycle Insurance by Montreal Area
Assur360’s partner firms serve all sectors and neighbourhoods of Montreal: Plateau-Mont-Royal, Old Montreal, Mile-End, Villeray, Rosemont, Verdun, Côte-des-Neiges, Ahuntsic.
Why compare via an independent comparator?
An independent comparator such as Assur360 puts you in touch with several AMF-certified partner firms and brokers. Unlike an agent who only represents one company, our partners compare 9+ Canadian insurers and negotiate the best rate for your profile — type of motorcycle, experience, driving record, Montreal area.
Typical savings: 18-25% compared to a single quote with a direct insurer. Completely free service, without obligation.
Covers by popular brand
Discover the particularities of insurance by brand (price per model, common exclusions, advice):
Frequently Asked Questions — Montreal Motorcycle Insurance
How much does motorcycle insurance cost in Montreal?
Between $350 and $2,500 per year depending on your age, experience, type of motorcycle and area of Montreal. City centres have higher premiums (traffic density, theft). An Assur360 broker partner negotiates the best rate through 9+ insurers.
Is motorcycle insurance mandatory in Montreal?
Yes — B2 civil liability (minimum $50,000) is mandatory in Quebec. Our partner firms recommend a minimum of $2 million to drive in urban areas such as Montreal, where damage to third parties can quickly exceed the legal minimum.
Does my motorcycle insurance cover winter in Montreal?
Most policies in Quebec are annual with a winter storage endorsement from November to April (savings of 30-50%). During the winter, theft and fire remain covered but collision and civil liability are suspended — driving ban.
How do I reduce my premium in Montreal?
5 main levers: certified motorcycle driving course, multi-policy grouping (motorcycle + car + home), higher deductible ($1,000-2,500), approved lock, indoor parking. Comparing via an independent comparator such as Assur360 remains the most effective way.
Which insurer should I choose for my motorcycle in Montreal?
No insurer is always the cheapest — it depends on your profile and your motorcycle. Assur360’s partner firms test Intact, Beneva, Promutuel, Aviva, Echelon, Definity, Wawanesa and 2-3 others to identify the best rate for you in Montreal.
Protect your motorcycle in Montreal at the best price
Free quote in 3 minutes, no obligation. Assur360’s partner firms and brokers compare 9+ Canadian insurers for your profile.
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