MOTORCYCLE INSURANCE

There's no need to store your motorcycle for the winter. Your annual premium is based on about six months' seasonal use. In other words, we assume that you won't be using your motorcycle in winter conditions, so there is no discount associated with storing your motorbike.

If you do decide to store it, you may be eligible for a partial refund of your vehicle registration fee. Visit the Société de l’assurance automobile du Québec website to learn more.

Very popular with young people, and many adults too, motorized scooters can be driven on roadways—excluding highways—by people age 14 or older. Of course, you have to comply with the law for this privilege. To find out more about the rules for scooters, read our article!

If you’re using your vehicle outside the province for less than 7 weeks, you do not need to notify your insurer. For longer periods, you should let your insurance company know so they can adjust your coverage to fend off unpleasant surprises. For example, if you're planning to take your motorcycle to Florida for the winter, you should tell your insurance company.

If you plan to use your motorcycle outside Quebec, even for just a short time, it is strongly recommended that you increase your civil liability coverage to $2,000,000 to cover potential legal expenses, which are more common and higher in the U.S. and the rest of Canada.

Insurance premiums are different for each person. Insurance companies calculate premiums based on the type of motorcycle being insured and your driver record.

Factors that can affect your insurance premium include your motorcycle’s make, model and year, and the cost of repairs. Your insurance company will also look at how you use your vehicle, your annual mileage, your driving record, where you live, past claims, etc., when calculating your insurance premium.

Start by looking at what you need. If you don’t yet own a motorcycle and are in the market to buy one, it's a good idea to compare insurance premiums for each model first. Then consider which types of coverage you need and which you can do without. And remember, it’s important to make sure you have good coverage, especially since the risks of driving a motorcycle are greater than the risks of driving a car. What you want is the right balance.

You can also opt for coverage with a higher deductible before a claim is paid. Choosing a higher deductible lowers your insurance premium automatically. And, of course, a great way to save money is to bundle your motorcycle insurance with your auto and home insurance. Discuss it with one of our advisors.