{"id":41687,"date":"2026-03-27T14:28:00","date_gmt":"2026-03-27T18:28:00","guid":{"rendered":"https:\/\/www.assur360.ca\/blog\/home-insurance-in-quebec-2\/bicycle-insurance-in-quebec-the-gaping-hole-that-no-one-covers\/"},"modified":"2026-04-03T11:14:28","modified_gmt":"2026-04-03T15:14:28","slug":"bicycle-insurance-in-quebec-the-gaping-hole-that-no-one-covers","status":"publish","type":"post","link":"https:\/\/www.assur360.ca\/en\/blog\/insurance\/recreational-complete-coverage-for-your-rvs-motorcycles-and-more\/bicycle-insurance-in-quebec-the-gaping-hole-that-no-one-covers\/","title":{"rendered":"Bicycle insurance in Quebec: the gaping hole that no one covers"},"content":{"rendered":"\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"Article\", \"headline\": \"Assurance v\u00e9lo au Qu\u00e9bec : le trou b\u00e9ant que personne ne couvre\", \"description\": \"Votre v\u00e9lo est-il vraiment assur\u00e9? D\u00e9couvrez les lacunes de l'assurance habitation, la v\u00e9rit\u00e9 sur les v\u00e9los lou\u00e9s en Europe et comment un courtier peut combler les trous dans votre couverture.\", \"datePublished\": \"2026-03-26\", \"dateModified\": \"2026-03-26\", \"author\": {\"@type\": \"Person\", \"name\": \"Jean Boissonneault\", \"url\": \"https:\/\/www.assur360.ca\/blog\/author\/app\/\", \"description\": \"Jean Boissonneault, courtier d'assurance associ\u00e9 certifi\u00e9 AMF (n\u00ba 2000037336), est propri\u00e9taire d'Assur360 et courtier depuis plus de 30 ans.\", \"hasCredential\": {\"@type\": \"EducationalOccupationalCredential\", \"credentialCategory\": \"Permis de cabinet en assurance de dommages (n\u00ba 2000037336)\", \"recognizedBy\": {\"@type\": \"Organization\", \"name\": \"Autorit\u00e9 des march\u00e9s financiers\", \"url\": \"https:\/\/lautorite.qc.ca\"}}}, \"publisher\": {\"@type\": \"Organization\", \"name\": \"Assur360\", \"url\": \"https:\/\/www.assur360.ca\", \"logo\": {\"@type\": \"ImageObject\", \"url\": \"https:\/\/www.assur360.ca\/wp-content\/uploads\/2022\/01\/assur360-logo.png\"}}, \"mainEntityOfPage\": {\"@type\": \"WebPage\", \"@id\": \"https:\/\/www.assur360.ca\/blog\/assurance\/assurance-velo-quebec\/\"}, \"about\": [{\"@type\": \"Thing\", \"name\": \"Assurance v\u00e9lo\", \"sameAs\": \"https:\/\/fr.wikipedia.org\/wiki\/Assurance\"}, {\"@type\": \"Thing\", \"name\": \"Cyclisme au Qu\u00e9bec\"}, {\"@type\": \"Thing\", \"name\": \"Assurance habitation\"}, {\"@type\": \"Thing\", \"name\": \"V\u00e9lo \u00e9lectrique\"}], \"mentions\": [{\"@type\": \"Organization\", \"name\": \"Autorit\u00e9 des march\u00e9s financiers\", \"sameAs\": \"https:\/\/lautorite.qc.ca\/\"}, {\"@type\": \"Organization\", \"name\": \"V\u00e9lo Qu\u00e9bec\", \"sameAs\": \"https:\/\/www.velo.qc.ca\/\"}, {\"@type\": \"Organization\", \"name\": \"SAAQ\", \"sameAs\": \"https:\/\/saaq.gouv.qc.ca\/\"}, {\"@type\": \"Organization\", \"name\": \"Groupement des assureurs automobiles\", \"sameAs\": \"https:\/\/www.gaa.qc.ca\/\"}], \"inLanguage\": \"fr-CA\", \"isPartOf\": {\"@type\": \"WebSite\", \"name\": \"Assur360\", \"url\": \"https:\/\/www.assur360.ca\"}}<\/script>\n\n<script type=\"application\/ld+json\">{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"BreadcrumbList\",\n  \"itemListElement\": [\n    {\"@type\": \"ListItem\", \"position\": 1, \"name\": \"Accueil\", \"item\": \"https:\/\/www.assur360.ca\/\"},\n    {\"@type\": \"ListItem\", \"position\": 2, \"name\": \"Blog\", \"item\": \"https:\/\/www.assur360.ca\/blog\/\"},\n    {\"@type\": \"ListItem\", \"position\": 3, \"name\": \"Assurance\", \"item\": \"https:\/\/www.assur360.ca\/blog\/category\/assurance\/\"},\n    {\"@type\": \"ListItem\", \"position\": 4, \"name\": \"Assurance v\u00e9lo au Qu\u00e9bec : le trou b\u00e9ant que personne ne couvre\"}\n  ]\n}\n<\/script>\n\n<script type=\"application\/ld+json\">{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Mon assurance habitation couvre-t-elle mon v\u00e9lo?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Oui, mais de mani\u00e8re tr\u00e8s limit\u00e9e. La plupart des polices d'assurance habitation au Qu\u00e9bec couvrent les v\u00e9los sous la clause des biens meubles, mais avec un plafond souvent fix\u00e9 entre 1 000 $ et 2 500 $. Pour un v\u00e9lo de route, hybride ou \u00e9lectrique valant 3 000 $ \u00e0 12 000 $, vous \u00eates largement sous-assur\u00e9. De plus, une franchise de 500 $ \u00e0 1 000 $ s'applique, rendant une r\u00e9clamation peu avantageuse pour les vols de v\u00e9los d'entr\u00e9e de gamme.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Si je loue un v\u00e9lo en Europe, est-il couvert par mon assurance canadienne?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Non, dans la grande majorit\u00e9 des cas. Votre assurance habitation qu\u00e9b\u00e9coise ne couvre g\u00e9n\u00e9ralement que vos biens personnels \u2014 un v\u00e9lo lou\u00e9 ne vous appartient pas. Si vous endommagez ou perdez un v\u00e9lo lou\u00e9 \u00e0 Paris, Amsterdam ou Barcelone, c'est votre responsabilit\u00e9 financi\u00e8re. V\u00e9rifiez si votre carte de cr\u00e9dit inclut une protection pour les biens lou\u00e9s, souscrivez l'assurance du loueur, ou demandez un avenant voyage \u00e0 votre courtier avant de partir.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Le v\u00e9lo \u00e9lectrique (e-bike) est-il assur\u00e9 comme un v\u00e9lo r\u00e9gulier?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"\u00c7a d\u00e9pend de sa puissance. Au Qu\u00e9bec, un v\u00e9lo \u00e0 assistance \u00e9lectrique (VAE) de 500 W ou moins avec p\u00e9dalage obligatoire est trait\u00e9 comme un v\u00e9lo ordinaire par la SAAQ. Cependant, les assureurs habitation peuvent imposer des exclusions ou des limites sp\u00e9cifiques pour les e-bikes en raison de la valeur \u00e9lev\u00e9e (2 500 $ \u00e0 10 000 $+) et du risque de vol accru. Les speed bikes (plus de 500 W) n\u00e9cessitent une immatriculation et ne sont g\u00e9n\u00e9ralement pas couverts par l'assurance habitation.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Combien co\u00fbte une assurance v\u00e9lo sp\u00e9cialis\u00e9e au Qu\u00e9bec?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Une assurance v\u00e9lo sp\u00e9cialis\u00e9e co\u00fbte entre 150 $ et 500 $ par ann\u00e9e, selon la valeur du v\u00e9lo, les couvertures choisies et votre lieu de r\u00e9sidence. C'est environ 3 % \u00e0 7 % de la valeur du v\u00e9lo annuellement. Certains assureurs offrent des rabais pour un cadenas certifi\u00e9, un garage int\u00e9rieur ou l'inscription au registre 529 Garage. Un courtier peut vous aider \u00e0 comparer les options disponibles.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Que couvre exactement une assurance v\u00e9lo sp\u00e9cialis\u00e9e vs l'assurance habitation?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"L'assurance habitation couvre g\u00e9n\u00e9ralement le vol \u00e0 domicile (avec limites) et les dommages caus\u00e9s par un sinistre couvert (incendie, d\u00e9g\u00e2t d'eau). Une assurance v\u00e9lo sp\u00e9cialis\u00e9e va beaucoup plus loin : vol partout (cadenas ou pas), bris accidentel, vandalisme, dommages en transport, couverture en comp\u00e9tition, valeur \u00e0 neuf plut\u00f4t que valeur d\u00e9pr\u00e9ci\u00e9e, accessoires inclus (compteur GPS, porte-bagages), et souvent aucune franchise ou une franchise r\u00e9duite de 50 $ \u00e0 100 $.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Mon v\u00e9lo est-il couvert s'il est vol\u00e9 dans mon garage ou sur mon balcon?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Dans un garage verrouill\u00e9 attenant \u00e0 votre domicile, oui, sous votre assurance habitation (avec les limites habituelles). Sur un balcon ou une galerie, c'est plus flou : certains assureurs consid\u00e8rent que le balcon fait partie du logement, d'autres le traitent comme un espace ext\u00e9rieur non s\u00e9curis\u00e9 et refusent la r\u00e9clamation. Un vol dans un cabanon non verrouill\u00e9 ou une cour ext\u00e9rieure est presque toujours exclu. Conseil : rangez toujours votre v\u00e9lo \u00e0 l'int\u00e9rieur et documentez-le avec des photos et la facture.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Si je frappe un pi\u00e9ton en v\u00e9lo, qui paie?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Au Qu\u00e9bec, le r\u00e9gime public de la SAAQ couvre les blessures corporelles de toute personne impliqu\u00e9e dans un accident impliquant un v\u00e9hicule automobile \u2014 mais un v\u00e9lo n'est pas un v\u00e9hicule automobile. Si vous blessez un pi\u00e9ton en v\u00e9lo, votre responsabilit\u00e9 civile personnelle entre en jeu. Cette couverture est incluse dans votre assurance habitation (ou locataire), habituellement jusqu'\u00e0 1 000 000 $ ou 2 000 000 $. Sans assurance habitation, vous payez de votre poche. C'est une raison de plus de ne jamais rouler sans assurance responsabilit\u00e9.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Le BIXI ou un v\u00e9lo libre-service est-il assur\u00e9?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"BIXI inclut une couverture de base dans ses tarifs : si le v\u00e9lo est vol\u00e9 ou endommag\u00e9 pendant votre location, votre responsabilit\u00e9 est plafonn\u00e9e \u00e0 2 000 $ (ou 300 $ avec le Plan+). Mais vos blessures personnelles ne sont pas couvertes par BIXI. En cas de chute, c'est la RAMQ et votre propre assurance qui prennent le relais. Pour les services de v\u00e9lo en libre-service en Europe (V\u00e9lib', Donkey Republic, etc.), les conditions varient \u00e9norm\u00e9ment \u2014 lisez toujours les termes avant de d\u00e9verrouiller.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Est-ce que ma carte de cr\u00e9dit couvre mon v\u00e9lo?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Certaines cartes de cr\u00e9dit premium offrent une protection d'achat (90 jours apr\u00e8s l'achat) et une garantie prolong\u00e9e, mais elles ne remplacent pas une assurance v\u00e9lo. La protection d'achat couvre le vol et les dommages accidentels pendant 90 jours \u2014 utile pour un v\u00e9lo neuf. Apr\u00e8s ce d\u00e9lai, vous n'\u00eates plus couvert. Aucune carte de cr\u00e9dit canadienne courante ne couvre le vol de v\u00e9lo \u00e0 long terme. Pour les v\u00e9los lou\u00e9s \u00e0 l'\u00e9tranger, v\u00e9rifiez sp\u00e9cifiquement si votre carte inclut une assurance biens lou\u00e9s \u2014 seules quelques cartes Visa Infinite ou World Elite Mastercard l'offrent.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Comment bien assurer un v\u00e9lo de comp\u00e9tition ou un v\u00e9lo haut de gamme (5 000 $+)?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Pour un v\u00e9lo haut de gamme, l'assurance habitation ne suffira jamais. Vous avez besoin d'un avenant biens de valeur (avenant flottant) sur votre police habitation, qui couvre le v\u00e9lo \u00e0 sa valeur d\u00e9clar\u00e9e sans sous-limite, ou d'une assurance v\u00e9lo sp\u00e9cialis\u00e9e. Faites \u00e9valuer le v\u00e9lo, conservez toutes les factures d'achat et de pi\u00e8ces, photographiez le cadre et le num\u00e9ro de s\u00e9rie, et d\u00e9clarez la valeur exacte \u00e0 votre courtier. Un courtier ind\u00e9pendant peut magasiner les options aupr\u00e8s de plusieurs assureurs pour trouver la meilleure couverture au meilleur prix.\"\n      }\n    }\n  ]\n}\n<\/script>\n\n<p class=\"has-text-color wp-block-paragraph\" style=\"color:#475569;font-size:18px;line-height:1.8\"><strong>Every spring, millions of Quebecers take their bikes out of the garage, inflate their tires and hit the road again.<\/strong> According to <a href=\"https:\/\/www.velo.qc.ca\/\" target=\"_blank\" rel=\"noopener\">V\u00e9lo Qu\u00e9bec<\/a>, more than <strong>4.5 million people<\/strong> practice cycling in the province \u2014 making it one of the most popular recreational activities in the country. Yet, one crucial question is ignored by the vast majority of cyclists: <em>is your bike really insured?<\/em> The answer, in most cases, will surprise you. And if you&#8217;re planning on renting a bike this summer in Europe, hang in there \u2014 coverage is even worse than you think.  <\/p>\n\n<div class=\"wp-block-group has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"border-radius:16px;padding-top:40px;padding-right:40px;padding-bottom:40px;padding-left:40px;background:linear-gradient(135deg, #0d1f2d 0%, #1a3a4a 100%)\">\n\n<p class=\"has-text-align-center has-text-color wp-block-paragraph\" style=\"color:#10c4c7;font-size:14px;letter-spacing:2px;text-transform:uppercase\">Your bike is worth more than you think<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_83 ez-toc-wrap-center counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">sommaire interactif<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #5b5b5b;color:#5b5b5b\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #5b5b5b;color:#5b5b5b\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.assur360.ca\/en\/blog\/insurance\/recreational-complete-coverage-for-your-rvs-motorcycles-and-more\/bicycle-insurance-in-quebec-the-gaping-hole-that-no-one-covers\/#Check-your-bike-coverage-in-2-minutes-%E2%80%94-free\" >Check your bike coverage in 2 minutes \u2014 free<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.assur360.ca\/en\/blog\/insurance\/recreational-complete-coverage-for-your-rvs-motorcycles-and-more\/bicycle-insurance-in-quebec-the-gaping-hole-that-no-one-covers\/#The-illusion-of-coverage-what-your-home-insurance-doesnt-tell-you\" >The illusion of coverage: what your home insurance doesn&#8217;t tell you<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.assur360.ca\/en\/blog\/insurance\/recreational-complete-coverage-for-your-rvs-motorcycles-and-more\/bicycle-insurance-in-quebec-the-gaping-hole-that-no-one-covers\/#Renting-a-bike-in-Europe-the-trap-that-no-one-mentions\" >Renting a bike in Europe: the trap that no one mentions<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.assur360.ca\/en\/blog\/insurance\/recreational-complete-coverage-for-your-rvs-motorcycles-and-more\/bicycle-insurance-in-quebec-the-gaping-hole-that-no-one-covers\/#E-bikes-the-insurance-grey-area\" >E-bikes: the insurance grey area<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.assur360.ca\/en\/blog\/insurance\/recreational-complete-coverage-for-your-rvs-motorcycles-and-more\/bicycle-insurance-in-quebec-the-gaping-hole-that-no-one-covers\/#Bicycle-theft-in-Quebec-chilling-figures\" >Bicycle theft in Quebec: chilling figures<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.assur360.ca\/en\/blog\/insurance\/recreational-complete-coverage-for-your-rvs-motorcycles-and-more\/bicycle-insurance-in-quebec-the-gaping-hole-that-no-one-covers\/#Bicycle-liability-who-pays-when-things-go-wrong\" >Bicycle liability: who pays when things go wrong?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.assur360.ca\/en\/blog\/insurance\/recreational-complete-coverage-for-your-rvs-motorcycles-and-more\/bicycle-insurance-in-quebec-the-gaping-hole-that-no-one-covers\/#Solutions-that-exist-and-that-your-insurer-does-not-offer-you\" >Solutions that exist (and that your insurer does not offer you)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.assur360.ca\/en\/blog\/insurance\/recreational-complete-coverage-for-your-rvs-motorcycles-and-more\/bicycle-insurance-in-quebec-the-gaping-hole-that-no-one-covers\/#5-reflexes-to-adopt-to-protect-your-bike\" >5 reflexes to adopt to protect your bike<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.assur360.ca\/en\/blog\/insurance\/recreational-complete-coverage-for-your-rvs-motorcycles-and-more\/bicycle-insurance-in-quebec-the-gaping-hole-that-no-one-covers\/#An-independent-broker-compares-the-options-for-you-%E2%80%94-for-free\" >An independent broker compares the options for you \u2014 for free<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.assur360.ca\/en\/blog\/insurance\/recreational-complete-coverage-for-your-rvs-motorcycles-and-more\/bicycle-insurance-in-quebec-the-gaping-hole-that-no-one-covers\/#Frequently-Asked-Questions-%E2%80%94-Bicycle-Insurance-in-Quebec\" >Frequently Asked Questions \u2014 Bicycle Insurance in Quebec<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.assur360.ca\/en\/blog\/insurance\/recreational-complete-coverage-for-your-rvs-motorcycles-and-more\/bicycle-insurance-in-quebec-the-gaping-hole-that-no-one-covers\/#Your-bike-deserves-better-than-a-hole-in-your-cover\" >Your bike deserves better than a hole in your cover<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading has-text-align-center has-text-color\" style=\"color:#ffffff;font-size:32px;font-weight:700\"><span class=\"ez-toc-section\" id=\"Check-your-bike-coverage-in-2-minutes-%E2%80%94-free\"><\/span>Check your bike coverage in 2 minutes \u2014 free<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"has-text-align-center has-text-color wp-block-paragraph\" style=\"color:#94a3b8;font-size:16px\">Our independent brokers compare offers from dozens of insurers to find the right coverage for your bike \u2014 from city hybrids to $10,000 race bikes.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-3e41869c wp-block-buttons-is-layout-flex\">\n\n<div class=\"wp-block-button\" style=\"font-size:18px;font-weight:700\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.assur360.ca\/soumission-rapide-assurance-habitation\/\" style=\"border-radius:30px;color:#ffffff;background-color:#10c4c7;padding-top:16px;padding-right:48px;padding-bottom:16px;padding-left:48px\">Check my bike coverage\u2192<\/a><\/div>\n\n<\/div>\n\n<\/div>\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading has-text-color\" style=\"color:#0d1f2d;font-size:28px;font-weight:700\"><span class=\"ez-toc-section\" id=\"The-illusion-of-coverage-what-your-home-insurance-doesnt-tell-you\"><\/span>The illusion of coverage: what your home insurance doesn&#8217;t tell you<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"has-text-color wp-block-paragraph\" style=\"color:#475569;font-size:17px;line-height:1.8\">Most Quebec cyclists believe that their bike is covered by their home insurance. Technically, <strong>it&#8217;s<\/strong> true \u2014 your bike is part of your personal property. But here&#8217;s what we don&#8217;t tell you:  <\/p>\n\n<div class=\"wp-block-group has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"border-radius:12px;padding-top:30px;padding-right:30px;padding-bottom:30px;padding-left:30px;background-color:#f8fafc\">\n\n<h3 class=\"wp-block-heading has-text-color\" style=\"color:#0d1f2d;font-size:20px;font-weight:700\">\ud83d\udd12 The ceiling that changes everything<\/h3>\n\n\n\n<p class=\"has-text-color wp-block-paragraph\" style=\"color:#475569;font-size:16px;line-height:1.8\">Your home policy <strong>imposes a sub-limit for bicycles<\/strong>, often between <strong>$1,000 and $2,500<\/strong>. However, according to data from V\u00e9lo Qu\u00e9bec, the average price of a new bike sold in Quebec exceeds <strong>$1,800<\/strong>, and an electric bike commonly sells for between <strong>$2,500 and $10,000<\/strong>. As a result, you are underinsured from day one.  <\/p>\n\n<\/div>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div class=\"wp-block-group has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"border-radius:12px;padding-top:30px;padding-right:30px;padding-bottom:30px;padding-left:30px;background-color:#f8fafc\">\n\n<h3 class=\"wp-block-heading has-text-color\" style=\"color:#0d1f2d;font-size:20px;font-weight:700\">\ud83d\udcc9 Silent depreciation<\/h3>\n\n\n\n<p class=\"has-text-color wp-block-paragraph\" style=\"color:#475569;font-size:16px;line-height:1.8\">Home insurance reimburses the <strong>depreciated value<\/strong>, not the replacement value. Your road bike paid <strong>$4,500<\/strong> three years ago? The insurer could offer you <strong>$1,800<\/strong> after depreciation \u2014 barely enough to buy an entry-level bike. It&#8217;s like insuring a BMW and receiving a cheque for a Corolla.   <\/p>\n\n<\/div>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div class=\"wp-block-group has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"border-radius:12px;padding-top:30px;padding-right:30px;padding-bottom:30px;padding-left:30px;background-color:#f8fafc\">\n\n<h3 class=\"wp-block-heading has-text-color\" style=\"color:#0d1f2d;font-size:20px;font-weight:700\">\ud83d\udeab Exclusions that kill<\/h3>\n\n\n\n<p class=\"has-text-color wp-block-paragraph\" style=\"color:#475569;font-size:16px;line-height:1.8\">Is your bike stolen from work, university or in front of the caf\u00e9? <strong>This is often excluded.<\/strong> Home insurance covers belongings inside your home or in a temporary location (such as an office closet), but theft outside <strong>without breaking and entering<\/strong> \u2014 someone cutting your lock on the street \u2014 is refused by most Quebec insurers. This is the most common flight scenario, and it&#8217;s simply not covered. <\/p>\n\n<\/div>\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading has-text-color\" style=\"color:#0d1f2d;font-size:28px;font-weight:700\"><span class=\"ez-toc-section\" id=\"Renting-a-bike-in-Europe-the-trap-that-no-one-mentions\"><\/span>Renting a bike in Europe: the trap that no one mentions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"has-text-color wp-block-paragraph\" style=\"color:#475569;font-size:17px;line-height:1.8\">Are you planning to rent a bike in <strong>Paris<\/strong>, <strong>Amsterdam<\/strong>, <strong>Barcelona<\/strong> or on the <strong>Amalfi Coast<\/strong> this summer? Here&#8217;s the truth no one is telling you: <strong>your Quebec home insurance doesn&#8217;t cover things that don&#8217;t belong to you.<\/strong> <\/p>\n\n<p class=\"has-text-color wp-block-paragraph\" style=\"color:#475569;font-size:17px;line-height:1.8\">A rented bike is not your personal property. If you fly it, damage it in a fall, or get hit by a car, <strong>it&#8217;s your 100% financial responsibility<\/strong>. And European bikes are not cheap: a standard city bike costs between <strong>\u20ac800 and \u20ac1,500<\/strong> to replace, an electric bike rented between <strong>\u20ac2,000 and \u20ac5,000<\/strong>.  <\/p>\n\n<div class=\"wp-block-group has-border-color is-layout-flow wp-block-group-is-layout-flow\" style=\"border-radius:12px;border-color:#10c4c7;border-width:2px;padding-top:30px;padding-right:30px;padding-bottom:30px;padding-left:30px\">\n\n<h3 class=\"wp-block-heading has-text-color\" style=\"color:#0d1f2d;font-size:20px;font-weight:700\">\u2708\ufe0f What you should do BEFORE you leave<\/h3>\n\n\n\n<ul class=\"has-text-color wp-block-list\" style=\"color:#475569;font-size:16px;line-height:1.8\">\n<li><strong>Check your credit card<\/strong> \u2014 Some Visa Infinite or World Elite Mastercards include rented property insurance, but this is rare and often limited to 60 days.<\/li>\n<li><strong>Get rental insurance<\/strong> \u2014 Most rental shops in Europe offer theft\/damage protection for \u20ac5 to \u20ac15 per day. This is your best option. <\/li>\n<li><strong>Apply for a travel endorsement<\/strong> \u2014 Your broker may add temporary coverage for property rented abroad to your home policy.<\/li>\n<li><strong>Document everything<\/strong> \u2014 Photograph the rented bike from all angles before you set off. Note each existing scratch. Keep the rental agreement.  <\/li>\n<\/ul>\n\n<\/div>\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading has-text-color\" style=\"color:#0d1f2d;font-size:28px;font-weight:700\"><span class=\"ez-toc-section\" id=\"E-bikes-the-insurance-grey-area\"><\/span>E-bikes: the insurance grey area<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"has-text-color wp-block-paragraph\" style=\"color:#475569;font-size:17px;line-height:1.8\">The <strong>electrically assisted bicycle (EAB)<\/strong> is booming in Quebec. But on the insurance side, it&#8217;s the Wild West. The <a href=\"https:\/\/saaq.gouv.qc.ca\/securite-routiere\/moyens-deplacement\/velo-assistance-electrique\" target=\"_blank\" rel=\"noopener\">SAAQ<\/a> considers an e-bike of <strong>500 W or less<\/strong> (with mandatory pedaling) to be a regular bike \u2014 no need for a license or registration. However:   <\/p>\n\n<div style=\"overflow-x:auto;margin:20px 0\">\n<table style=\"width:100%;border-collapse:collapse;border-radius:12px;overflow:hidden;font-size:15px\">\n<thead>\n<tr style=\"background:#0d1f2d;color:#ffffff\">\n<th style=\"padding:14px 18px;text-align:left;font-weight:700\">Type of bike<\/th>\n<th style=\"padding:14px 18px;text-align:left;font-weight:700\">Typical<\/th>\n Value<th style=\"padding:14px 18px;text-align:left;font-weight:700\">Home<\/th>\n Coverage<th style=\"padding:14px 18px;text-align:left;font-weight:700\">Recommendation<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr style=\"background:#f8fafc\">\n<td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\"><strong>City bike \/ hybrid<\/strong><\/td>\n<td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\">$500 \u2013 $<\/td>\n1,500<td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\"><span style=\"background:#dcfce7;color:#166534;padding:4px 10px;border-radius:20px;font-size:13px;font-weight:600\">Often sufficient<\/span><\/td>\n<td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\">Check the sub-limit<\/td>\n<\/tr>\n<tr style=\"background:#ffffff\">\n<td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\"><strong>Road<\/strong><\/td>\n Biking<td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\">$2,000 \u2013 $<\/td>\n8,000<td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\"><span style=\"background:#fef9c3;color:#854d0e;padding:4px 10px;border-radius:20px;font-size:13px;font-weight:600\">Insufficient<\/span><\/td>\n<td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\">Valuable property endorsement<\/td>\n<\/tr>\n<tr style=\"background:#f8fafc\">\n<td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\"><strong>E-bike (e-bike \u2264 500 W)<\/strong><\/td>\n<td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\">$2,500 \u2013 $<\/td>\n7,000<td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\"><span style=\"background:#fef9c3;color:#854d0e;padding:4px 10px;border-radius:20px;font-size:13px;font-weight:600\">Insufficient<\/span><\/td>\n<td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\">Specialty Insurance<\/td>\n<\/tr>\n<tr style=\"background:#ffffff\">\n<td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\"><strong>Speed bike (> 500 W)<\/strong><\/td>\n<td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\">$4,000 \u2013 $<\/td>\n12,000<td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\"><span style=\"background:#fee2e2;color:#991b1b;padding:4px 10px;border-radius:20px;font-size:13px;font-weight:600\">Not covered<\/span><\/td>\n<td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\">Mandatory dedicated policy<\/td>\n<\/tr>\n<tr style=\"background:#f8fafc\">\n<td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\"><strong>Racing<\/strong><\/td>\n Bike<td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\">$5,000 \u2013 $15,000+<\/td>\n<td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\"><span style=\"background:#fee2e2;color:#991b1b;padding:4px 10px;border-radius:20px;font-size:13px;font-weight:600\">Totally insufficient<\/span><\/td>\n<td style=\"padding:12px 18px;border-bottom:1px solid #e2e8f0\">Floating + Specialty Endorsement<\/td>\n<\/tr>\n<tr style=\"background:#ffffff\">\n<td style=\"padding:12px 18px\"><strong>Electric<\/strong><\/td>\n cargo bike<td style=\"padding:12px 18px\">$5,000 \u2013 $<\/td>\n10,000<td style=\"padding:12px 18px\"><span style=\"background:#fee2e2;color:#991b1b;padding:4px 10px;border-radius:20px;font-size:13px;font-weight:600\">Not covered<\/span><\/td>\n<td style=\"padding:12px 18px\">Specialty Insurance<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading has-text-color\" style=\"color:#0d1f2d;font-size:28px;font-weight:700\"><span class=\"ez-toc-section\" id=\"Bicycle-theft-in-Quebec-chilling-figures\"><\/span>Bicycle theft in Quebec: chilling figures<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"has-text-color wp-block-paragraph\" style=\"color:#475569;font-size:17px;line-height:1.8\">Bicycle theft is an <strong>underestimated scourge<\/strong> in Quebec. According to data from <strong>the Service de police de la Ville de Montr\u00e9al (SPVM),<\/strong> there are about <strong>2,000 to 3,000 bike thefts per year<\/strong> in Montreal alone \u2014 and experts estimate that the real figure is <strong>three to five times higher<\/strong>, since the majority of victims do not file a complaint. <\/p>\n\n<p class=\"has-text-color wp-block-paragraph\" style=\"color:#475569;font-size:17px;line-height:1.8\">Highlights:<\/p>\n\n<ul class=\"has-text-color wp-block-list\" style=\"color:#475569;font-size:16px;line-height:2\">\n<li><strong>Recovery rate: less than 5%<\/strong> \u2014 once stolen, your bike is gone<\/li>\n<li><strong>Target #1: E-bikes<\/strong> \u2014 easy to resell, hard to trace<\/li>\n<li><strong>Main method<\/strong> \u2014 U-Lock lock bolt cutter in less than 30 seconds<\/li>\n<li><strong>Peak season<\/strong> \u2014 May to September, with a peak in July<\/li>\n<li><strong>Places most at risk<\/strong> \u2014 metro stations, university campuses, restaurant terraces<\/li>\n<\/ul>\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading has-text-color\" style=\"color:#0d1f2d;font-size:28px;font-weight:700\"><span class=\"ez-toc-section\" id=\"Bicycle-liability-who-pays-when-things-go-wrong\"><\/span>Bicycle liability: who pays when things go wrong?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"has-text-color wp-block-paragraph\" style=\"color:#475569;font-size:17px;line-height:1.8\">Many cyclists are unaware that they can be held <strong>personally liable<\/strong> for damage caused to others. Unlike cars, bicycles are not covered by the <a href=\"https:\/\/saaq.gouv.qc.ca\/\" target=\"_blank\" rel=\"noopener\">SAAQ<\/a> public plan for bodily injury caused to a pedestrian. <\/p>\n\n<p class=\"has-text-color wp-block-paragraph\" style=\"color:#475569;font-size:17px;line-height:1.8\">Real-world scenarios that can be expensive:<\/p>\n\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:20px;margin:20px 0\">\n<div style=\"background:linear-gradient(135deg,#0d1f2d 0%,#1a3a4a 100%);border-radius:12px;padding:24px\">\n<div style=\"font-size:32px;margin-bottom:12px\">\ud83d\udeb6<\/div>\n<div style=\"color:#ffffff;font-weight:700;font-size:17px;margin-bottom:8px\">Collision with a pedestrian<\/div>\n<div style=\"color:#94a3b8;font-size:15px;line-height:1.6\">Fracture, concussion, work stoppage \u2014 lawsuits can reach <strong style=\"color:#10c4c7\">$50,000 to $500,000<\/strong>.<\/div>\n<\/div>\n<div style=\"background:linear-gradient(135deg,#0d1f2d 0%,#1a3a4a 100%);border-radius:12px;padding:24px\">\n<div style=\"font-size:32px;margin-bottom:12px\">\ud83d\ude97<\/div>\n<div style=\"color:#ffffff;font-weight:700;font-size:17px;margin-bottom:8px\">Damage to a vehicle<\/div>\n<div style=\"color:#94a3b8;font-size:15px;line-height:1.6\">Do you scratch a luxury SUV by going too close? <strong style=\"color:#10c4c7\">$2,000 to $15,000<\/strong> in repairs.<\/div>\n<\/div>\n<div style=\"background:linear-gradient(135deg,#0d1f2d 0%,#1a3a4a 100%);border-radius:12px;padding:24px\">\n<div style=\"font-size:32px;margin-bottom:12px\">\ud83d\udc15<\/div>\n<div style=\"color:#ffffff;font-weight:700;font-size:17px;margin-bottom:8px\">Incident with an animal<\/div>\n<div style=\"color:#94a3b8;font-size:15px;line-height:1.6\">You injure a dog by hitting it on a bike path \u2014 the owner can sue you for <strong style=\"color:#10c4c7\">veterinary fees<\/strong>.<\/div>\n<\/div>\n<div style=\"background:linear-gradient(135deg,#0d1f2d 0%,#1a3a4a 100%);border-radius:12px;padding:24px\">\n<div style=\"font-size:32px;margin-bottom:12px\">\ud83c\udfe0<\/div>\n<div style=\"color:#ffffff;font-weight:700;font-size:17px;margin-bottom:8px\">Property damage<\/div>\n<div style=\"color:#94a3b8;font-size:15px;line-height:1.6\">Your bike hits a shop window, lamppost or fence \u2014 you&#8217;re responsible for <strong style=\"color:#10c4c7\">the complete repairs<\/strong>.<\/div>\n<\/div>\n<\/div>\n\n<p class=\"has-text-color wp-block-paragraph\" style=\"color:#475569;font-size:17px;line-height:1.8\"><strong>The good news?<\/strong> Your home (or tenant) insurance typically includes <strong>$1,000,000 to $2,000,000 in liability<\/strong> that covers these situations. But if you don&#8217;t have any home insurance \u2014 which is the case for many Quebec tenants \u2014 you pay out of pocket.  <strong>This is the #1 reason why every cyclist should have at least renter&#8217;s insurance.<\/strong><\/p>\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading has-text-color\" style=\"color:#0d1f2d;font-size:28px;font-weight:700\"><span class=\"ez-toc-section\" id=\"Solutions-that-exist-and-that-your-insurer-does-not-offer-you\"><\/span>Solutions that exist (and that your insurer does not offer you)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"has-text-color wp-block-paragraph\" style=\"color:#475569;font-size:17px;line-height:1.8\">There are several ways to fill in the gaps in your bike coverage. An <a href=\"https:\/\/www.assur360.ca\/en\/blog\/home-insurance-in-quebec-2\/my-insurance-broker-2\/\">independent insurance broker<\/a> can guide you to the best option for your situation: <\/p>\n\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:24px;margin:24px 0\">\n<div style=\"border:2px solid #e2e8f0;border-radius:12px;padding:28px;transition:border-color 0.3s\">\n<div style=\"background:#10c4c7;color:white;width:48px;height:48px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:22px;font-weight:800;margin-bottom:16px\">1<\/div>\n<h3 class=\"wp-block-heading has-text-color\" style=\"color:#0d1f2d;font-size:19px;font-weight:700;margin-bottom:10px\">Valuable property endorsement<\/h3>\n<p class=\"has-text-color\" style=\"color:#475569;font-size:15px;line-height:1.7;margin:0\">Add your bike as a <strong>property specifically listed<\/strong> on your home policy. Covers at <strong>stated value<\/strong> (not depreciated), with no sub-limit. Cost: about <strong>$30 to $80 per year<\/strong> depending on the value of the bike.  <\/p>\n<\/div>\n<div style=\"border:2px solid #e2e8f0;border-radius:12px;padding:28px;transition:border-color 0.3s\">\n<div style=\"background:#10c4c7;color:white;width:48px;height:48px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:22px;font-weight:800;margin-bottom:16px\">2<\/div>\n<h3 class=\"wp-block-heading has-text-color\" style=\"color:#0d1f2d;font-size:19px;font-weight:700;margin-bottom:10px\">Specialized bike insurance<\/h3>\n<p class=\"has-text-color\" style=\"color:#475569;font-size:15px;line-height:1.7;margin:0\">Dedicated policy covering <strong>theft everywhere<\/strong>, accidental breakage, vandalism, transportation, and even competition. Reduced deductible ($50 \u2013 $100). Cost: <strong>$150 to $500 per year<\/strong>.  <\/p>\n<\/div>\n<div style=\"border:2px solid #e2e8f0;border-radius:12px;padding:28px;transition:border-color 0.3s\">\n<div style=\"background:#10c4c7;color:white;width:48px;height:48px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:22px;font-weight:800;margin-bottom:16px\">3<\/div>\n<h3 class=\"wp-block-heading has-text-color\" style=\"color:#0d1f2d;font-size:19px;font-weight:700;margin-bottom:10px\">Increase sub-limit<\/h3>\n<p class=\"has-text-color\" style=\"color:#475569;font-size:15px;line-height:1.7;margin:0\">Ask your insurer to <strong>increase the bike sub-limit<\/strong> on your home policy. The most economical option if your bike is worth less than $3,000. Additional cost: <strong>$15 to $40 per year<\/strong>.  <\/p>\n<\/div>\n<div style=\"border:2px solid #e2e8f0;border-radius:12px;padding:28px;transition:border-color 0.3s\">\n<div style=\"background:#10c4c7;color:white;width:48px;height:48px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:22px;font-weight:800;margin-bottom:16px\">4<\/div>\n<h3 class=\"wp-block-heading has-text-color\" style=\"color:#0d1f2d;font-size:19px;font-weight:700;margin-bottom:10px\">Register 529 Garage<\/h3>\n<p class=\"has-text-color\" style=\"color:#475569;font-size:15px;line-height:1.7;margin:0\">Register your bike for free in the <strong>529 Garage registry<\/strong> used by police officers across Canada. It&#8217;s not insurance, but it <strong>multiplies your chances of recovery<\/strong> and some insurers offer a <strong>discount<\/strong> to registrants. <\/p>\n<\/div>\n<\/div>\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading has-text-color\" style=\"color:#0d1f2d;font-size:28px;font-weight:700\"><span class=\"ez-toc-section\" id=\"5-reflexes-to-adopt-to-protect-your-bike\"><\/span>5 reflexes to adopt to protect your bike<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"background:#f8fafc;border-radius:12px;padding:30px;margin:20px 0\">\n<div style=\"display:flex;align-items:start;gap:16px;margin-bottom:20px\">\n<div style=\"background:#10c4c7;color:white;min-width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:16px\">1<\/div>\n<div>\n<strong style=\"color:#0d1f2d;font-size:17px\">Photograph everything<\/strong>\n<p class=\"has-text-color\" style=\"color:#475569;font-size:15px;margin:4px 0 0;line-height:1.6\">Frame, serial number, components, accessories. Keep photos in the cloud (Google Photos, iCloud) with the purchase invoice. <\/p>\n<\/div>\n<\/div>\n<div style=\"display:flex;align-items:start;gap:16px;margin-bottom:20px\">\n<div style=\"background:#10c4c7;color:white;min-width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:16px\">2<\/div>\n<div>\n<strong style=\"color:#0d1f2d;font-size:17px\">Invest in a certified padlock<\/strong>\n<p class=\"has-text-color\" style=\"color:#475569;font-size:15px;margin:4px 0 0;line-height:1.6\">Quality U-lock (Kryptonite, ABUS) \u2014 minimum budget $80. A cable lock can be cut in 5 seconds. <\/p>\n<\/div>\n<\/div>\n<div style=\"display:flex;align-items:start;gap:16px;margin-bottom:20px\">\n<div style=\"background:#10c4c7;color:white;min-width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:16px\">3<\/div>\n<div>\n<strong style=\"color:#0d1f2d;font-size:17px\">Store Inside<\/strong>\n<p class=\"has-text-color\" style=\"color:#475569;font-size:15px;margin:4px 0 0;line-height:1.6\">A bike inside is covered by home insurance. A bike on the balcony or in the yard is blurry \u2014 and often refused. <\/p>\n<\/div>\n<\/div>\n<div style=\"display:flex;align-items:start;gap:16px;margin-bottom:20px\">\n<div style=\"background:#10c4c7;color:white;min-width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:16px\">4<\/div>\n<div>\n<strong style=\"color:#0d1f2d;font-size:17px\">Register for 529 Garage<\/strong>\n<p class=\"has-text-color\" style=\"color:#475569;font-size:15px;margin:4px 0 0;line-height:1.6\">Free, recognized by police forces across Canada. In the event of theft, the police can identify your bike instantly. <\/p>\n<\/div>\n<\/div>\n<div style=\"display:flex;align-items:start;gap:16px\">\n<div style=\"background:#10c4c7;color:white;min-width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:16px\">5<\/div>\n<div>\n<strong style=\"color:#0d1f2d;font-size:17px\">Talk to a broker<\/strong>\n<p class=\"has-text-color\" style=\"color:#475569;font-size:15px;margin:4px 0 0;line-height:1.6\">An independent broker can shop around for options from multiple insurers and find the right coverage for your bike \u2014 often for less than $1 a day.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div class=\"wp-block-group has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"border-radius:16px;padding-top:40px;padding-right:40px;padding-bottom:40px;padding-left:40px;background:linear-gradient(135deg, #0d1f2d 0%, #1a3a4a 100%)\">\n\n<p class=\"has-text-align-center has-text-color wp-block-paragraph\" style=\"color:#10c4c7;font-size:14px;letter-spacing:2px;text-transform:uppercase\">Don&#8217;t ride in the open anymore<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-text-color\" style=\"color:#ffffff;font-size:28px;font-weight:700\"><span class=\"ez-toc-section\" id=\"An-independent-broker-compares-the-options-for-you-%E2%80%94-for-free\"><\/span>An independent broker compares the options for you \u2014 for free<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"has-text-align-center has-text-color wp-block-paragraph\" style=\"color:#94a3b8;font-size:16px\">Whether it&#8217;s to protect an $800 city bike or a $12,000 race bike, our brokers find the optimal coverage by comparing Desjardins, Intact, Wawanesa, Aviva and more.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-3e41869c wp-block-buttons-is-layout-flex\">\n\n<div class=\"wp-block-button\" style=\"font-size:18px;font-weight:700\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.assur360.ca\/soumission-rapide-assurance-habitation\/\" style=\"border-radius:30px;color:#ffffff;background-color:#10c4c7;padding-top:16px;padding-right:48px;padding-bottom:16px;padding-left:48px\">Protect my bike now\u2192<\/a><\/div>\n\n<\/div>\n\n<\/div>\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading has-text-color\" style=\"color:#0d1f2d;font-size:28px;font-weight:700\"><span class=\"ez-toc-section\" id=\"Frequently-Asked-Questions-%E2%80%94-Bicycle-Insurance-in-Quebec\"><\/span>Frequently Asked Questions \u2014 Bicycle Insurance in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<details class=\"wp-block-details\" style=\"border:1px solid #e2e8f0;border-radius:12px;padding:20px 24px;margin-bottom:12px\">\n<summary style=\"font-weight:700;font-size:17px;color:#0d1f2d;cursor:pointer\">Does my home insurance cover my bike?<\/summary>\n<p style=\"margin-top:12px;font-size:15px;color:#475569;line-height:1.7\"><strong>Yes, but in a very limited way.<\/strong> Most home insurance policies in Quebec cover bicycles under the personal property clause, but with a <strong>cap often set between $1,000 and $2,500<\/strong>. For a road, hybrid or electric bike worth $3,000 to $12,000, you&#8217;re vastly underinsured. In addition, a deductible of <strong>$500 to $1,000<\/strong> applies, making a claim unadvantageous for thefts of entry-level bicycles.  <\/p>\n<\/details>\n\n<details class=\"wp-block-details\" style=\"border:1px solid #e2e8f0;border-radius:12px;padding:20px 24px;margin-bottom:12px\">\n<summary style=\"font-weight:700;font-size:17px;color:#0d1f2d;cursor:pointer\">If I rent a bike in Europe, is it covered by my Canadian insurance?<\/summary>\n<p style=\"margin-top:12px;font-size:15px;color:#475569;line-height:1.7\"><strong>No, in the vast majority of cases.<\/strong> Your Quebec home insurance usually only covers your <strong>personal belongings<\/strong> \u2014 a rented bike doesn&#8217;t belong to you. If you damage or lose a rented bike in Paris, Amsterdam or Barcelona, it is your <strong>financial responsibility<\/strong>. Solutions: Check if your credit card includes protection for rented property, take out the rental company&#8217;s insurance (\u20ac5 to \u20ac15 per day), or ask your broker for a <strong>travel endorsement<\/strong> before you leave.  <\/p>\n<\/details>\n\n<details class=\"wp-block-details\" style=\"border:1px solid #e2e8f0;border-radius:12px;padding:20px 24px;margin-bottom:12px\">\n<summary style=\"font-weight:700;font-size:17px;color:#0d1f2d;cursor:pointer\">Is the electric bike (e-bike) insured like a regular bike?<\/summary>\n<p style=\"margin-top:12px;font-size:15px;color:#475569;line-height:1.7\"><strong>It depends on its power.<\/strong> In Quebec, an electrically assisted bicycle (EAB) of <strong>500 W or less<\/strong> with mandatory pedaling is treated as a regular bicycle by the SAAQ. However, home insurers may impose <strong>specific exclusions or limits<\/strong> for e-bikes due to the high value and increased risk of theft. <strong>Speed bikes (over 500W)<\/strong> require registration and are usually not covered by home insurance \u2014 you need a dedicated policy.  <\/p>\n<\/details>\n\n<details class=\"wp-block-details\" style=\"border:1px solid #e2e8f0;border-radius:12px;padding:20px 24px;margin-bottom:12px\">\n<summary style=\"font-weight:700;font-size:17px;color:#0d1f2d;cursor:pointer\">How much does specialized bike insurance cost in Quebec?<\/summary>\n<p style=\"margin-top:12px;font-size:15px;color:#475569;line-height:1.7\">Specialty bike insurance costs between <strong>$150 and $500 per year<\/strong>, depending on the value of the bike, the coverage you choose and where you live. That&#8217;s about <strong>3% to 7% of the value of the bike<\/strong> annually. Some insurers offer <strong>discounts<\/strong> for a certified lock, an indoor garage or registration in the 529 Garage register. A broker can help you compare the options available to find the best hedging\/price ratio.   <\/p>\n<\/details>\n\n<details class=\"wp-block-details\" style=\"border:1px solid #e2e8f0;border-radius:12px;padding:20px 24px;margin-bottom:12px\">\n<summary style=\"font-weight:700;font-size:17px;color:#0d1f2d;cursor:pointer\">What exactly does specialized bike insurance vs. home insurance cover?<\/summary>\n<p style=\"margin-top:12px;font-size:15px;color:#475569;line-height:1.7\">Home insurance generally covers <strong>home theft<\/strong> (with limits) and damage caused by a covered loss. Specialized bike insurance goes much further: <strong>theft everywhere<\/strong> (lock or not), accidental breakage, vandalism, damage in transportation, coverage in competition, <strong>replacement cost<\/strong> rather than depreciated value, accessories included (GPS computer, luggage rack), and often no deductible or a reduced deductible of <strong>$50 to $100<\/strong>. <\/p>\n<\/details>\n\n<details class=\"wp-block-details\" style=\"border:1px solid #e2e8f0;border-radius:12px;padding:20px 24px;margin-bottom:12px\">\n<summary style=\"font-weight:700;font-size:17px;color:#0d1f2d;cursor:pointer\">Is my bike covered if it&#8217;s stolen from my garage or balcony?<\/summary>\n<p style=\"margin-top:12px;font-size:15px;color:#475569;line-height:1.7\">In a <strong>locked garage<\/strong> attached to your home, yes, under your home insurance (with the usual limits). On a <strong>balcony or a porch<\/strong>, it is more unclear: some insurers consider the balcony to be part of the home, others treat it as an unsecured outdoor space and <strong>refuse the claim<\/strong>. Theft from an unlocked shed or outdoor yard is <strong>almost always excluded<\/strong>. Tip: Always store your bike indoors and document it with photos and the invoice.   <\/p>\n<\/details>\n\n<details class=\"wp-block-details\" style=\"border:1px solid #e2e8f0;border-radius:12px;padding:20px 24px;margin-bottom:12px\">\n<summary style=\"font-weight:700;font-size:17px;color:#0d1f2d;cursor:pointer\">If I hit a pedestrian on a bicycle, who pays?<\/summary>\n<p style=\"margin-top:12px;font-size:15px;color:#475569;line-height:1.7\">In Quebec, the <strong>SAAQ&#8217;s public plan covers bodily injury<\/strong> in accidents involving a motor vehicle \u2014 but a bicycle is not a motor vehicle. If you injure a pedestrian while cycling, your <strong>personal liability<\/strong> comes into play. This coverage is included in your home (or renter) insurance, usually up to <strong>$1,000,000 or $2,000,000<\/strong>. Without home insurance, you pay out of pocket. This is one more reason to never drive without liability insurance.    <\/p>\n<\/details>\n\n<details class=\"wp-block-details\" style=\"border:1px solid #e2e8f0;border-radius:12px;padding:20px 24px;margin-bottom:12px\">\n<summary style=\"font-weight:700;font-size:17px;color:#0d1f2d;cursor:pointer\">Is the BIXI or a self-service bike insured?<\/summary>\n<p style=\"margin-top:12px;font-size:15px;color:#475569;line-height:1.7\"><strong>BIXI includes basic coverage<\/strong> in its rates: if the bike is stolen or damaged during your rental, your liability is capped at <strong>$2,000<\/strong> (or $300 with the Plan+). But your <strong>personal injuries aren&#8217;t covered<\/strong> by BIXI \u2014 RAMQ and your own insurance take over. For bike share services in Europe (V\u00e9lib&#8217;, Donkey Republic, etc.), the conditions vary enormously \u2014 <strong>always read the terms<\/strong> before unlocking.  <\/p>\n<\/details>\n\n<details class=\"wp-block-details\" style=\"border:1px solid #e2e8f0;border-radius:12px;padding:20px 24px;margin-bottom:12px\">\n<summary style=\"font-weight:700;font-size:17px;color:#0d1f2d;cursor:pointer\">Does my credit card cover my bike?<\/summary>\n<p style=\"margin-top:12px;font-size:15px;color:#475569;line-height:1.7\">Some premium credit cards offer <strong>purchase protection (90 days after purchase)<\/strong> and an extended warranty, but they are not a substitute for bicycle insurance. After 90 days, you are no longer covered. <strong>No common Canadian credit card covers long-term bike theft.<\/strong> For bikes rented abroad, check specifically to see if your card includes rented property insurance \u2014 only a few <strong>Visa Infinite or World Elite Mastercards<\/strong> offer it, and it&#8217;s often limited. <\/p>\n<\/details>\n\n<details class=\"wp-block-details\" style=\"border:1px solid #e2e8f0;border-radius:12px;padding:20px 24px;margin-bottom:12px\">\n<summary style=\"font-weight:700;font-size:17px;color:#0d1f2d;cursor:pointer\">How do I properly insure a racing bike or a high-end bike ($5,000+)?<\/summary>\n<p style=\"margin-top:12px;font-size:15px;color:#475569;line-height:1.7\">For a high-end bike, <strong>home insurance will never be enough<\/strong>. You need a <strong>Valuables Endorsement<\/strong> (floating endorsement) on your home policy, which covers the bike at its stated value with no sublimit, or <strong>specialized bike insurance<\/strong>. Have the bike appraised, keep all purchase and parts receipts, take a picture of the frame and serial number, and declare the exact value to your broker. An independent broker can shop around for options with <strong>multiple insurers<\/strong> to find the best coverage at the best price.   <\/p>\n<\/details>\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div class=\"wp-block-group has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"border-radius:16px;padding-top:40px;padding-right:40px;padding-bottom:40px;padding-left:40px;background:linear-gradient(135deg, #0d1f2d 0%, #1a3a4a 100%)\">\n\n<h2 class=\"wp-block-heading has-text-align-center has-text-color\" style=\"color:#ffffff;font-size:28px;font-weight:700\"><span class=\"ez-toc-section\" id=\"Your-bike-deserves-better-than-a-hole-in-your-cover\"><\/span>Your bike deserves better than a hole in your cover<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"has-text-align-center has-text-color wp-block-paragraph\" style=\"color:#94a3b8;font-size:16px\">Whether you&#8217;re riding on the trails of the P&#8217;tit Train du Nord, on the streets of Montreal or on the Route Verte, an independent broker makes sure your passion is well protected. Free comparison, no obligation. <\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-3e41869c wp-block-buttons-is-layout-flex\">\n\n<div class=\"wp-block-button\" style=\"font-size:18px;font-weight:700\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.assur360.ca\/soumission-rapide-assurance-habitation\/\" style=\"border-radius:30px;color:#ffffff;background-color:#10c4c7;padding-top:16px;padding-right:48px;padding-bottom:16px;padding-left:48px\">Get my free quote\u2192<\/a><\/div>\n\n<\/div>\n\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Every spring, millions of Quebecers take their bikes out of the garage, inflate their tires and hit the road again. According to [&hellip;]<\/p>\n","protected":false},"author":49,"featured_media":41688,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_seopress_titles_title":"Bike Insurance in Quebec: Coverage, Theft and E-Bike | Assur360","_seopress_titles_desc":"Is your bike really insured? Home insurance gaps, rented bikes, and solutions to protect your bike in Quebec in 2026. ","_seopress_robots_index":"","_seopress_robots_follow":"","_seopress_robots_imageindex":"","_seopress_robots_snippet":"","_seopress_robots_primary_cat":"none","_seopress_robots_breadcrumbs":"","_seopress_robots_freeze_modified_date":"","_seopress_robots_custom_modified_date":"","_seopress_robots_canonical":"","_seopress_social_fb_title":"","_seopress_social_fb_desc":"","_seopress_social_fb_img":"","_seopress_social_fb_img_attachment_id":0,"_seopress_social_fb_img_width":0,"_seopress_social_fb_img_height":0,"_seopress_social_twitter_title":"","_seopress_social_twitter_desc":"","_seopress_social_twitter_img":"","_seopress_social_twitter_img_attachment_id":0,"_seopress_social_twitter_img_width":0,"_seopress_social_twitter_img_height":0,"_seopress_redirections_value":"","_seopress_redirections_enabled":"","_seopress_redirections_enabled_regex":"","_seopress_redirections_logged_status":"both","_seopress_redirections_param":"","_seopress_redirections_type":301,"_seopress_analysis_target_kw":"","_seopress_news_disabled":"","_seopress_video_disabled":"","_seopress_video":[],"_seopress_pro_schemas_manual":[],"_seopress_pro_rich_snippets_disable_all":"","_seopress_pro_rich_snippets_disable":[],"_seopress_pro_schemas":[],"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"yasr_overall_rating":0,"yasr_post_is_review":"","yasr_auto_insert_disabled":"","yasr_review_type":"","yasr_pro_reviews_in_comment_enabled":0,"footnotes":""},"categories":[112,87],"tags":[],"class_list":["post-41687","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance","category-recreational-complete-coverage-for-your-rvs-motorcycles-and-more"],"yasr_visitor_votes":{"stars_attributes":{"read_only":false,"span_bottom":false},"number_of_votes":0,"sum_votes":0},"_links":{"self":[{"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/posts\/41687","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/users\/49"}],"replies":[{"embeddable":true,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/comments?post=41687"}],"version-history":[{"count":2,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/posts\/41687\/revisions"}],"predecessor-version":[{"id":43209,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/posts\/41687\/revisions\/43209"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/media\/41688"}],"wp:attachment":[{"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/media?parent=41687"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/categories?post=41687"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/tags?post=41687"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}