Motorcycle Insurance in Quebec
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Motorcycle insurance, well adapted to your needs
Once the winter and rainy periods are over, motorcycle enthusiasts hurry to get on their bikes to cross the roads of Quebec. Leave with peace of mind and return to your destination with plenty of memories.
At Assur360, you have the best of both worlds: start your quote online and be advised by an experienced broker. Whether you own a Honda, Kawasaki, Harley-Davidson, KTM, Suzuki or Yamaha, we have competitive rates.
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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 coverage chosen. Here is an overview of the average rates in Quebec in 2026 :
| Type of motorcycle | Average annual premium | Key factors |
|---|---|---|
| Scooter / moped | $200 – $500Low | displacement, urban use |
| Cruiser Motorcycle$ | 400 – $900Moderate | Displacement, Recreational Use |
| Standard/naked motorcycle | $500 – $1,200Versatility | , rider profile |
| Sport Bike (600cc+) | $1,000 – $2,500High | Performance, High Risk |
| Touring Motorcycle | $600 – $1,500High | Value, Mileage |
| Antique/Custom Motorcycle | $300 – $800Agreed | Value, Limited Use |
Remember to protect yourself before riding a motorcycle
Before you even get on your motorcycle, make sure to check your equipment. 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, leftover gravel or sand could get in the way of your driving; Add to that road imperfections, potholes and the risk of having an accident will be multiplied by 10.
Be sure that motorists can also see you in the dark, because after a survey, 70% of motorists who have been in collision with a motorcycle said they did not see it. This is due to the small size of the bike, especially when viewed from the front. To be more visible, opt for clothing and accessories with brighter and lighter colors. Also consider adding headlights or auxiliary lights on the mirrors and at the bottom of the fork of your motorcycle to give a more voluminous effect.
The benefits of your motorcycle insurance policy (FPQ No. 1)
In the FPQ No. 1 policy that covers your motorcycle, there are several types of coverage :
- Protection of “Civil Liability” (Section A)
- “All Risks” Coverage (Chapter B1)
- “Collision or upset” coverage (Chapter B2)
- “Comprehensive Accidents” coverage (Chapter B3)
- “Specified perils” coverage (chapter B4)
Protection of “Civil Liability” (Section A)
According to this section, you will be protected in the event that you cause property damage and bodily injury to others outside Quebec. In addition to this, this guarantee offers you total coverage when you are deemed not at fault for the accident. You will be able to take advantage of this protection throughout Canada and the United States. Be aware that most drivers opt for $1 million to $2 million in coverage on their insurance policy.
“All Risks” Coverage Except (Chapter B1)
With this section, your motorcycle will be protected if you decide to combine collision or upset coverage with comprehensive coverage. Thus, the deductible will be the same regardless of the damage that occurs. This is optional coverage. But depending on whether your vehicle was leased or purchased with financing, this coverage may be mandatory.
It should be noted that some insurers will not offer you “All Risk” coverage in motorcycle insurance.
“Collision or Upset” Coverage (Chapter B2)
This coverage is optional but may be required in the event that your vehicle is leased or purchased with financing. It protects you against property damage to your motorcycle, for example if you hit or are hit by an object or if your vehicle is overturned.
“Comprehensive Accidents” coverage (Chapter B3)
In this section, your vehicle is protected if it suffers damage other than in a collision or upset, such as glass breakage, theft, fire, lightning, vandalism, and any other specified peril. This coverage is also optional, but it may be required if your vehicle is leased or purchased with financing. Generally, this coverage is taken with the collision protection if your motorcycle is still new.
“Specified perils” coverage (chapter B4)
This coverage, which is also optional, only protects you against the risks that you have mentioned in your contract, such as hail, lightning, etc.
Several attractive additional protections are also possible. You may be eligible for additional protection in the form of endorsements.
Exclusions from the motorcycle insurance contract (FPQ 1)
The FPQ 1 contract (Quebec Policy Form for Automobile Insurance, Including Motorcycle) provides for certain important exclusions, i.e., situations in which the insurer may refuse to compensate you.
Among the main exclusions is impaired driving (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 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 damage, as well as losses related to improper maintenance or normal wear and tear. For example, a mechanical breakdown due to a lack of maintenance will not be covered. In addition, any significant undeclared modification (modified engine, major transformation) may result in a denial of compensation.
Finally, some property is not automatically covered, such as personal effects or unspecified equipment, unless you have additional coverage.
Motorcycle Insurance Notes
For motorcycle or ATV insurance, your insurer may add the FAQ No. 32 endorsement. This means that your vehicle will be used exclusively for recreational purposes.
With certain motorcycle models, such as Harley Davidsons, your insurer may limit the amount payable by adding the FAQ No. 39 endorsement. It’s important that you read your contract carefully, as all motorcycle insurance policies have limitations and exclusions. Your insurance policy is valid throughout Canada and the United States, except Mexico. If you wish to travel outside our borders while being protected, 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 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 the face of increasing accidents and associated costs, it is imperative that motorcyclists fully understand the risks to which they are exposed and take out adequate insurance policies. It insists, in accordance with the standards of the Autorité des marchés financiers (AMF), on the need for 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 lies in close collaboration between insurers, regulators and drivers, to effectively identify and address emerging challenges, such as evolving driving technologies and growing safety concerns.
Why trust Assur360
Brokers certified and regulated by the AMF
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Motorcycle Insurance Anywhere in Quebec
Our brokers serve motorcyclists in Montreal, Quebec City, Laval, Gatineau, Sherbrooke, Trois-Rivières, Saguenay and Drummondville. Wherever you are in Quebec, get a free, no-obligation motorcycle insurance quote.
Frequently asked questions — Motorcycle insurance
How much does motorcycle insurance cost in Quebec in 2026?
The cost of motorcycle insurance in Quebec varies between $300 and $1,500 per year depending on the engine capacity and value of the motorcycle, your age and riding experience, your claims history and the coverage chosen. High-performance sport motorcycles have higher premiums than touring motorcycles or scooters. Compare multiple insurers through a broker to get the best price.
What types of coverage does motorcycle insurance offer in Quebec?
Motorcycle insurance in Quebec includes several types of coverage: civil liability (mandatory, covers damage to third parties), collision protection (damage to your motorcycle in the event of an accident), comprehensive coverage (theft, vandalism, fire, bad weather), and optional endorsements such as coverage for motorcyclist’s equipment and roadside assistance.
Can I insure my motorcycle’s custom accessories?
Yes, most insurers allow you to add personalized accessories (audio system, suitcases, modified handlebars, custom paint) to your policy via a specific endorsement. It is important to report all material changes to your insurer at the time of application, as some changes may affect your premium or coverage conditions.
What should I do in the event of an accident with my motorcycle?
In the event of an accident with your motorcycle: 1) Ensure your safety and call 911 if necessary. 2) Do not remove your helmet if you suspect a neck injury. 3) Document the accident with photos and contact information for witnesses and the other driver. 4) Fill out a joint report if possible. 5) Contact your Assur360 broker within 24 hours to report the claim.
How do I get discounts on my motorcycle insurance?
There are several ways to reduce your motorcycle insurance premium: take a certified motorcycle driving course, bundle your motorcycle with other policies (car, home), choose a higher deductible, install an anti-theft system, store your motorcycle in a garage in the winter, and compare offers from several insurers via an independent broker such as Assur360.
What is the cheapest motorcycle insurance in Quebec?
The cheapest price depends on your profile (age, experience, type of motorcycle). Less powerful motorcycles (displacement of less than 400 cc) and scooters generally have the lowest premiums. To find the best deal, it’s essential to compare quotes from multiple insurers. Assur360 allows you to quickly compare the offers of 9 AMF-certified insurers free of charge.
Does my motorcycle insurance cover the whole year or only the season?
In Quebec, most motorcycle insurance policies are annual, but many insurers offer seasonal coverage with a discount for the wintering period (usually November to April). Some insurers offer a suspension of collision and comprehensive coverage during the winter while maintaining theft and fire coverage during storage.
Can you insure a motorcycle with a probationary or learner’s licence?
Yes, it is possible to insure a motorcycle with a probationary or apprenticeship licence in Quebec, but premiums are generally higher for novice drivers. Some insurers may impose additional restrictions, such as a limit on the permissible engine capacity. Consult an Assur360 broker to find the insurer that is most favourable to your situation.
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