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What you should know about motorcycle insurance

Once the winter and rainy spells have passed, motorcycle enthusiasts rush to get on their bikes and hit the roads of Quebec. So leave with peace of mind and return to your destination full of memories, thanks to our safety tips We'll explain motorcycle insurance and give you tips on how to save money. Whether you own a motorcycle HondaKawasaki, Harley, KTM, Suzuki or Yamaha we have competitive prices.

Make sure you're properly protected before riding your motorcycle!

Before you even get on your bike, make sure you check your equipment. Is your body well protected? Your head? Will other road users be able to see you in the dark?

Never underestimate the dangers of the road. After a wet or wintry season, leftover gravel or sand could get in the way of your driving. Add to that road imperfections and potholes, and the risk of having an accident is multiplied by 10.

You can also be sure that motorists can see you in the dark, because according to one survey, 70% of motorists who made a collision with a motorcycle said they hadn't seen it. This is due to the bike's small size, especially when viewed from the front. To be more visible, opt for clothing and accessories in brighter, more visible colors. Also consider adding headlights or auxiliary lights to the rear-view mirrors and lower forks of your motorcycle to give a more voluminous effect. And last but not least, always be on your toes!

Never forget to wear a helmet, whether you're riding a motorcycle or a car. snowmobile ! Did you know that wearing a helmet could reduce your chances of dying by 37% in the event of a motorcycle accident? What's more, you're three times less likely to suffer a head injury. Add appropriate clothing to your helmet, such as anti-abrasion and tear-resistant leather or textile garments, and remember to protect your elbows and knees.

What does your motorcycle insurance policy cover?

The FPQ No. 1 policy covering your motorcycle includes several types of protection :

• Third-party liability coverage (chapter A)
• All risks" coverage (Chapter B1)
• Collision or upset protection (Chapter B2)
• Comprehensive coverage (Chapter B3)
• Specified risks" protection (chapter B4)

Third-party liability coverage (chapter A)

According to this section, you'll be protected in the event that you cause bodily injury or property damage to others, outside Quebec. What's more, you'll be fully covered if you're found not to be at fault in an accident. You can take advantage of this protection anywhere in Canada and the United States. Most drivers will opt for coverage of between $1 and $2 million on their insurance policy.

All-risk coverage except (Chapter B1)

Thanks to this section, your motorcycle will be protected if you decide to combine collision or upset coverage with comprehensive coverage. This way, the deductible will be the same no matter what damage occurs. It's just an optional coverage. But depending on whether or not your vehicle was leased or purchased with financing, this protection may be mandatory.

It should be noted, however, that some insurers will not offer you comprehensive motorcycle insurance.

Collision or upset coverage (Chapter B2)

Like the previous coverage, this protection is optional, but may be required if your vehicle is leased or purchased with financing. This section will protect you against material damage to your motorcycle, for example, if you are struck or hit by an object, or if your vehicle is overturned.

Comprehensive coverage (Chapter B3)

In this section, your vehicle is protected against damage other than collision or upset, such as glass breakage, theft, fire, lightning, vandalism and any other specified perils. This coverage is also optional, but may be required if your vehicle is leased or purchased with financing. Generally, this coverage is taken out with collision coverage if your motorcycle is still new.

Specified risks" protection (chapter B4)

This coverage, which is also optional, protects you only against the risks you specify in your contract, such as hail, lightning, etc.

A number of attractive additional coverages are also available to you in the form of endorsements.

Motorcycle submission "

Comments on motorcycle insurance

When it comes to motorcycle insurance or mountain bikeyour insurer may add the FAQ No 32 endorsement. This means that your vehicle will be used exclusively for recreational purposes.

With certain models of motorcycle, such as Harley Davidson, your insurer may limit the amount payable by adding the FAQ No. 39 endorsement. It's important to read your contract carefully, as all motorcycle insurance policies have limitations and exclusions. Please note that your policy is valid throughout Canada and the United States. Except in Mexico. So, if you're riding in Mexico or other countries, you won't be covered on the policy FPQ No 1. So if you want to travel outside our borders with protection, please contact us for assistance.

Finally, some insurers may not be able to cover certain motorcycle models. If this happens to you, contact us and we'll find a satisfactory insurance solution for you with one of our approved insurers.

What's the cheapest motorcycle insurance?

Insurance rates vary from provider to provider, which is why it's so important to compare rates on an annual basis. Canadians tend to "set it and forget it their motorcycle insurancee, but the renewal period represents the best opportunity for savings.
Fill out a quote today to find out how much you can save.

The future of motorcycle insurance in Quebec

Jean Boissonneault, Associate Insurance Broker and President of Assur360expresses a strong opinion on motorcycle insurance in Quebec and the major issues it will face in the future. In his view, motorcycle insurance is essential to protect drivers and their property on Quebec roads. President of Assur360emphasizes that, in the face ofincrease in accidents and associated costs, it is imperative that motorcyclists fully understand the risks to which they are exposed, and take out adequate insurance policies. He stresses the need for fair and transparent pricing, taking into account the individual characteristics of riders and motorcycles, while encouraging personal responsibility on the road. For Boissonneault, thethe future of motorcycle insurance in Quebec is based on close collaboration between insurers, regulators and drivers, in order to identify and effectively resolve emerging challenges, such as thedevelopments in driving technologies and growing safety concerns.