Motorcycle Insurance Quebec | Get a Comprehensive Coverage for All Eventualities

August 3, 2021 | Editorial Team

Canada is notorious for being cold. But, the summer brings the perfect temperature for riding a motorcycle, especially in Quebec. If you’re thinking about buying a motorcycle, Quebec’s Automobile Insurance Act states that you must have insurance. You only need a basic insurance policy that covers at least $50,000 of civil liability. But, insurance companies tend to recommend you extend that coverage to at least $2 million.

An even better option is getting comprehensive coverage as you will be protected for almost all eventualities. There are many insurance providers in Quebec alone. They cover things like home insurance, car insurance, and motorcycle insurance. So, how can you find the best policy to fit your needs? Kanetix! Keep reading to learn more about motorcycle insurance and how to find it on Kanetix.

Best Motorcycle Insurance in Quebec


You may have heard about Kanetix before, as they have been in Canada since 1999. It is the leading website for comparing insurance, credit cards, and mortgages. If you are looking for motorcycle insurance, for example, you can use Kanetix to search for and compare the best coverage options to fit your needs.

Kanetix works with a wide range of insurance providers to ensure a wide range of coverage options. Using the site is super easy and free! All you need to do is select what type of product you’re looking for (in this case, motorcycle insurance).

You will then need to fill in some personal information. It is typically related to you, your driving history, past insurance information, and your license. Then, you will have to input what type of coverage you’re looking for, such as basic or comprehensive.

Finally, Kanetix will compile a list of the insurance providers in Quebec that match your needs and information. From the list, you can choose an insurance policy that offers the coverage and rates you want. Then, give Kanetix a call via the ‘call us’ section on their site, and they will set you up with the policy!

Head over to if you want to find the best motorcycle insurance coverage in Quebec easily!

How Much Does Motorcycle Insurance Cost in Quebec?

One of the main questions people have when looking for motorcycle insurance in Quebec is: how much does it cost? Unfortunately, there’s no one exact answer for everyone. The cost of your motorcycle insurance is dependant on the following factors. Also, you need to learn all about regulations and terms, to begin with.

Make and Model of Your Bike

One of the main factors that insurance providers consider when giving you a quote is the make and model of your bike. Many motorcyclists prefer sports bikes because they are fast. Insurance providers, however, see a faster bike as a liability. This is because if you have a faster bike, you will, in turn, drive faster, and are then more likely to be in an accident.

This is not to say that you won’t drive safely, but insurance providers don’t want to take the risk. So, they will charge you more if you want coverage on a faster motorcycle.

So, essentially, if the make and model of your bike are known for having a higher rate of accidents, your insurance premium will be higher.

Where You Live

Unfortunately, neighborhoods and cities often have stereotypes attached to them. For example, in bigger cities such as Montreal, there tend to be more thefts. Because of this, insurance providers will charge you a higher premium if you live in an area known for vehicle thefts. However, you can compare Nova Scotia insurance with motorcycle insurances in other provinces, namely Alberta, British Columbia, the whole of Ontario or Toronto, and Nova Scotia, to name some of them.

If you have theft coverage, the insurance provider will have to pay to replace your motorcycle. So, to try to offset this potential cost, insurance providers charge you more.

Carrying Passengers

Another factor insurance providers will consider whether or not you will have passengers. Motorcyclists tend to ride solo because that is how a motorcycle is designed to be used. But, if you do want to take passengers, it’s possible. You will, however, have to pay a higher premium to do so.

If you intend to take passengers, you need to ensure you have liability insurance coverage to cover passengers. This usually makes your premium go up as the insurance provider will then have to spend more to insure your guests as well.

Your Age and Experience

Insurance providers see motorcyclists without a lot of experience riding as a liability. So, if you are young, you likely do not have a lot of experience riding a motorcycle. If you do and you can prove it, you may be eligible for a discount on your insurance policy. If you are a new driver, however, there is not much you can do to avoid paying higher premiums.

If you can maintain a clean record over a few years, your insurance premium will likely go down.

How You Use Your Bike

The last factor that insurance providers consider is how you use your bike. Essentially, if you ride often, your rate will be higher. This is because you have more opportunities to get into an accident.

Your rates will be lower if you tell your insurance provider you only plan to use your bike casually (say on the weekends) rather than every day.

Frequently Asked Questions About Motorcycle Insurance in Quebec (FAQs)

Who distributes motorcycle insurance in Quebec?

In Quebec, there are plenty of vehicle insurance providers. Here are some companies that specifically provide motorcycle insurance in Quebec.

  • CAA
  • Intergroup
  • J Gérard Fortin
  • Allstate
  • La Capitale
  • Desjardins
  • Intact Insurance
  • Ciccarello Assurances
  • National Bank Insurance
  • Belairdirect

What Does Motorcycle Insurance Cover?

Standard motorcycle insurance in Quebec covers three main things. Civil liability/ accident benefits, collision and upset, and all other perils.

Civil liability coverage is mandatory in Quebec. Civil liability insurance will protect you in the event of an accident. The mandatory civil liability coverage required is $50,000. But, insurers tend to recommend civil liability coverage of $2 million, as civil liability tends to cover most incidents.

Collision and upset coverage are as they sound. It will cover your bike in the event of a collision or upset. Similarly, all other perils coverage will cover you for non-collision risks. This could include events such as theft, fire, or vandalism.

What Optional Coverage is Available for Motorcycles?

Although standard vehicle insurance is a necessity, additional optional coverage is available and recommended. Two optional coverages available are replacement value and travel cost reimbursement.

Replacement Value Coverage

If your bike needs to be replaced, either totally or partially, the new parts or bike will be covered. The amount covered depends on your policy and provider.

Travel Costs Coverage

If you were in an accident and your bike needs to be fixed, your travel costs will be covered. This typically includes public transport or taxi expenses, but accommodation can be covered as well if you needed to be far from home.

Whether you get additional coverage depends on your needs as both are optional and not required by law to ride a motorcycle.

How Much Does Motorcycle Insurance Cost?

As we discussed earlier, the cost of your motorbike insurance depends on many factors. Your age, the type of bike you have, where you live, whether or not you will have passengers, and how often you use your bike will all impact your rate.

That being said, the Société de l’assurance automobile du Québec does have an average.

  • If your bike is 125 cc or less, your insurance will be around $250 a month.
  • If your bike is from 126 cc to 400 cc, your insurance will be around $440 a month.
  • If your bike is over 400 cc, your insurance will be around $633 a month.
  • If your bike is considered high-risk, you will pay upwards of $1,707 a month.

Again, this is just an average and could be cheaper or more expensive, depending on other personal factors. You may even be able to get a discount in some cases.

What is the Cheapest Motorcycle Insurance?

It’s hard to say what insurance is the cheapest because, as we discussed earlier, there are so many factors involved. Even if you get insured by the same company as your father, you would have two completely different quotes.

The best way to find out what the cheapest insurance for you is to use Kanetix. Kanetix will show you all the best insurance rates in your area that pertain to you personally. You can then compare and contrast them to see which provider suits your needs and your budget. Rather than researching each provider individually, Kanetix does it for you in minutes. You can then easily choose a policy by contacting Kanetix via their ‘call us’ section on their site.

Many companies will also offer a discount if you pair your car or home insurance with your motorcycle, so that is another way to get a lower rate.

What Motorcycle Insurance is Mandatory in Quebec?

Like all provinces in Canada, you are legally required to have insurance if you want to ride a motorcycle. Each province has its own requirements, but the minimum requirement is typically just basic insurance.

According to Quebec’s Automobile Insurance Act, motorcyclists must have a basic insurance policy. That policy must cover a minimum of $50,000 of civil liability. Provinces, including Quebec, tend to require anyone that drives a vehicle to have liability coverage.

This is because it will protect both you and the other person in the accident so the cost won’t be put on the government. If you are in an accident, even a minor one, and don’t have insurance, you can receive a hefty fine. So, even if you don’t want comprehensive coverage, make sure you at least have the minimum liability coverage before driving.

Can I Cancel Motorcycle Insurance in the Winter?

As Canada is known for having a harsh winter, many riders wonder if they can cancel their insurance in the winter as they won’t be able to use their bike. The short answer is yes; you can cancel your insurance in the winter. But it is not recommended.

Insurance providers base your annual policy on the fact that you will only be using your bike for a few months. So, your rate tends to be based on the whole year and would likely not be much more than insuring your bike for just the summer months.

Similarly, there is often a cancellation fee that may not be much less than just keeping your policy throughout the year. It’s best just to keep your insurance through the winter. Your bike will then still be protected from things like theft or non-accident related damage.

If you still want to inquire about your provider’s policy on cancelling for the winter, look for the ‘call us’ section on their website, and they can help you sort it out!

The Bottom Line

You need the right insurance to protect your bike and the wellbeing of you and others. You probably love your motorcycle and paid good money for it. Be sure and protect it with an appropriate policy. is where we recommend you visit. They have been in Canada for a long time and offer great choices.