Motorcycle
Whether you ride for pleasure, sport, or adventure, your motorcycle deserves customized insurance. Whether it’s a Harley-Davidson, Spyder, electric motorcycle, or motocross bike, we help you find the protection that keeps you safe.
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Talk to a broker 1-888-625-6846
Why get motorcycle insurance?
Motorcycle insurance provides protection for both your bike and your liability in case of an accident. It helps you avoid significant unexpected expenses resulting from theft, vandalism, or collisions. Plus, in Quebec, having civil liability insurance is mandatory to drive legally.
Standard coverage
Depending on the type of motorcycle you own and how you use it, standard coverage may be ideal for you. Our insurance products apply to most motorcycles.
Civil liability
This option provides coverage for property damage or bodily injury to third parties in the event of an accident involving your motorcycle.
Theft, fire, and vandalism
You can feel confident knowing that you are protected against risks such as theft, fire, or vandalism.
Collision and rollover
Coverage that protects your motorcycle, its equipment, and accessories in case of a collision or rollover.
Additional coverage
Depending on your circumstances and risk tolerance, you can enhance your insurance coverage. Additional options are available to help you expand your coverage and create a tailored safety net.
Replacement value
Is your motorcycle new? You might want to insure it for its "replacement value," meaning without considering depreciation. This ensures you can replace it with a new motorcycle.
Equipment and accessories
You can also insure equipment and accessories that go with your motorcycle, such as a luggage rack, bags, etc.
FAQ
Answers to your questions!
How is the price of my motorcycle insurance calculated?
The cost of your motorcycle insurance premiums is influenced by several factors, including: the model of your motorcycle (power, engine size, rarity), the distance you ride, how you use it (occasionally or regularly), the area where you primarily ride (city or countryside), your age, your driving record, and where you park your motorcycle.
How much does motorcycle insurance cost for young drivers?
A “young driver” is defined as someone who has recently obtained a motorcycle license from the SAAQ. This demographic is considered a higher risk, which leads to increased insurance premiums. Generally, it can cost about $100 to $150 more to insure a motorcycle for young drivers. However, there are several ways to reduce this premium, such as increasing your deductible or bundling your insurance policies.
How do I file a motorcycle insurance claim?
In the event of a claim, contact your broker or insurance company as soon as possible. You can do this online or by phone.
Is motorcycle insurance mandatory?
Yes. In Quebec, the law requires motorcycle owners to purchase civil liability insurance with a minimum coverage of $50,000.
Will I be covered if I travel to the United States?
Yes, you will be covered; however, we strongly recommend increasing your civil liability coverage to $2,000,000. Legal expenses in the event of an accident in the United States are significantly higher than those in Quebec.
Interested?
Get a quote
At Malouin Assurance, we believe that peace of mind starts with a quote. Our quoting process is simple, personalized, and always tailored to your specific needs.
Talk to a broker 1-888-625-6846
Partners
We work with the best suppliers
Intact
Promutuel
L’Unique
Orbite
