Motorcycle Insurance: Online Quote in Quebec

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How much does motorcycle insurance cost in Quebec in 2026

The price of motorcycle insurance varies considerably depending on the type of motorcycle, your profile, and the chosen protections. Here is an overview of the average rates in Quebec in 2026:

Think about protecting yourself well before riding a motorcycle

Before even getting on your motorcycle, make sure to check your gear thoroughly. Is your body well protected? Your head? Will other road users see you in the dark?

Never underestimate the dangers of the road. After a wet or winter season, remnants of gravel or sand could hinder your riding; add to that the imperfections of the road, potholes, and the risk of having an accident will multiply by 10.

Also, make sure that motorists can see you in the dark, as after a survey, 70% of motorists who had a collision with a motorcycle reported not having seen it. This is due to the small size of the motorcycle, especially viewed from the front. To be more visible, opt for clothing and accessories in brighter and more noticeable colors. Also consider adding headlights or auxiliary lights on the mirrors and at the bottom of your motorcycle’s fork to create a bulkier effect.

The coverages of your motorcycle insurance policy (FPQ no 1)

In the FPQ no 1 policy that covers your motorcycle, you will find several types of protection:

• The “Liability” protection (Chapter A)
• The “All Risks” protection (Chapter B1)
• The “Collision or Payment” protection (Chapter B2)
• The “Accidents without Collision or Payment” protection (Chapter B3)
• The “Specified Risks” protection (Chapter B4)

The “Liability” protection (Chapter A)

According to this section, you will be protected in the event that you cause property and bodily damage to others, outside of Quebec. In addition to that, this coverage offers you total protection when you are deemed not responsible for the accident. You will be able to enjoy this protection throughout Canada and the United States. Note that most drivers opt for coverage ranging from $1 million to $2 million. “““html dollars on their insurance policy.

The “All Risks” Coverage Except (Chapter B1)

Thanks to this section, your motorcycle will be protected if you decide to combine collision or payout protections with accident protections without collision or payout. Thus, the deductible will be the same regardless of the damages that occur. This is optional coverage. However, in cases where your vehicle has been rented or purchased with financing, this protection may be mandatory.

It is worth noting that some insurers will not offer you “All Risks” protection in motorcycle insurance.

The “Collision or Payout” Coverage (Chapter B2)

This protection is optional but may be required if your vehicle is rented or purchased with financing. It protects you against material damages caused to your motorcycle, for example, if you hit or are hit by an object or if your vehicle is overturned.

The “Accidents Without Collision or Payout” Coverage (Chapter B3)

In this section, your vehicle is protected if it suffers damages other than during a collision or payout, such as broken windows, theft, fire, lightning, vandalism, and any other specified risk. This protection is also optional but may be required if your vehicle is rented or purchased with financing. Generally, this protection is taken with collision coverage if your motorcycle is still new.

The “Specified Risks” Protection (Chapter B4)

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

Several attractive additional protections are also possible. You can benefit from additional protections in the form of endorsements.

Exclusions from the Motorcycle Insurance Contract (FPQ 1)

The FPQ 1 contract (Quebec Automobile Insurance Policy Form, including motorcycle) provides for certain important exclusions, meaning situations where the insurer may refuse to compensate you.

Among the main exclusions, we first find driving under impaired abilities (alcohol or drugs), which almost always results in a denial of coverage. Similarly, if the motorcycle is driven by a person without a valid license, with a suspended license or one not suitable for the type of motorcycle, the insurance may not apply. The use of the vehicle for undeclared activities, such as racing, competition, or commercial use, is also excluded.

The FPQ 1 contract also excludes intentional damages, as well as losses related to inadequate maintenance or normal wear and tear. For example, a mechanical breakdown due to a lack of maintenance will not be covered. Additionally, any significant undeclared modification (modified engine, major transformation) may result in a denial of compensation.

Finally, certain belongings are not automatically covered, such as personal effects or unspecified equipment, unless you have additional protection.

Remarks on Motorcycle Insurance

Regarding motorcycle insurance or ATVs, your insurer may add endorsement FAQ No 32. This means that your vehicle will be used exclusively for recreational purposes.

With certain motorcycle models, such as Harley Davidson, your insurer may limit the payable amount by adding endorsement FAQ No 39. It is important that you read your contract carefully, as all motorcycle insurance policies contain limitations and exclusions. Please note that your insurance policy is valid throughout Canada and the United States, except in Mexico. If you wish to travel outside our borders while being protected, please consult us for assistance.

Finally, it is possible that some insurers may not cover certain motorcycle models. If this happens to you, contact us and we will find a satisfactory insurance solution with our licensed insurers.

The Future of Motorcycle Insurance in Quebec

Jean Boissonneault, associate insurance broker and president of Assur360, expresses a strong opinion on motorcycle insurance in Quebec and its major challenges in the future. According to him, motorcycle insurance is essential to protect drivers and their property on Quebec roads. The president of Assur360 emphasizes that, in light of the increase in accidents and associated costs, it is imperative that motorcyclists fully understand the risks they face and subscribe to adequate insurance policies. He insists, in accordance with the standards of the Autorité des marchés financiers (AMF), on the necessity of fair and transparent pricing, taking into account the individual characteristics of drivers and motorcycles, while encouraging personal responsibility on the road.

For Boissonneault, the future of motorcycle insurance in Quebec relies on close collaboration between insurers, regulatory authorities, and drivers to effectively identify and address emerging challenges, such as the evolution of driving technologies and growing safety concerns.