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Motorcycle insurance program
Here are the highlights of the program:
- Customized claims service to speed up the repair of a damaged vehicle;
- 24/7 claims service;
- Possibility of adding faq 43-A-E , FAQ 20;
- Including permission to rent the vehicle to a student to write his exam at the SAAQ;
- Insurance including motor vehicles, trucksMoto, Harley-DavidsonMoped, Spyder, Bus;
- Independent 100% firm;
- Payment terms over 12 months.
Find out more about the motorcycle insurance programs offered by Assur360, and talk to our brokers about the conditions.
How much does motorcycle insurance cost?
Just like car insurance, a number of variables are taken into account when determining the cost of your motorcycle insurance. These include:
- Your age, as rates are generally better for riders over 25.
- Your insurance history and motorcycle riding experience
- Where you live
- How often and how far you ride your motorcycle
- The type of motorcycle you ride, including cc's
- Your degree class (M1, M2, M, in Ontario, for example)
- If you have taken a training course registered motorcycle
When we briefly analyzed data on motorcycle submissions, the approximate average cost of motorcycle insurance was 497 $ . However, costs varied considerably according to rider profile and motorcycle type.
Note that your first year of motorcycle insurance may cost more because you don't yet have a motorcycle insurance history. Over time, and if your driving record remains clean, your premiums may decrease in subsequent years. Taking an accredited motorcycle training course can have a significant impact on the cost of your premiums, saving you up to thousands of dollars on your motorcycle insurance.
How much does sportbike insurance cost?
Some types of motorcycle also cost more to insure than others. Sport bikes, for example, tend to carry a higher premium. The same applies to large, powerful motorcycles such as certain Harley Davidson models. If you're looking to buy a motorcycle, keep these guidelines in mind and be sure to use the motorcycle insurance calculator above for a better understanding of prices for different makes and models.
How much does motorcycle insurance cost and how to get the best rate in Quebec?
Motorcycle insurance is mandatory in Quebec, but the cost can vary considerably depending on a number of factors, including motorcycle model, rider age, place of residence, level of coverage and applicable discounts. In this article, we'll take a look at the different factors that influence the cost of motorcycle insurance, as well as ways to get the best possible price.
Factors influencing the cost of motorcycle insurance
Motorcycle model
The model of your motorcycle is an important factor in determining the cost of your insurance. Top-of-the-range motorcycles or sporty models often cost more to insure, due to their higher cost in the event of damage.
Driver's age
Younger drivers are often considered more at risk, and may therefore pay higher insurance premiums. Drivers over the age of 25 often have lower insurance premiums due to their greater driving experience.
Place of residence
Where you live is also an important factor in the cost of motorcycle insurance. Urban areas may have higher premiums due to a higher risk of theft or accidents.
Coverage level
The level of coverage you choose with your motorcycle insurance broker is another important factor in the cost of insurance. Comprehensive insurance will cost more than third-party liability, which is the minimum insurance required in Quebec.
Applicable discounts
There are several applicable rebates that can reduce the cost of your motorcycle insuranceThese include safe-driving discounts, age discounts and training discounts.
Type of motorcycle insured in Quebec?
In Quebec, motorcycle insurers offer generally provide coverage for a variety of motorcycle types. Here are some of the types of motorcycles commonly insured in the province:
- Touring motorcycles : These include models designed for long journeys, offering comfort and stability on the road.
- Sport bikes : Motorcycles designed for speed and performance, often used on racetracks.
- Cruiser bikes : Motorcycles with classic, casual styling, often associated with relaxed riding.
- Off-road motorcycles : Motorcycles designed for off-road use, including motocross, enduro and quad bikes.
- Standard street bikes : Versatile models for everyday use on urban and suburban roads.
- Dual-sport motorcycles : Motorcycles designed for mixed on- and off-road use.
- Electric motorcycles : With the growing popularity of electric motorcycles, more and more insurers are offering coverage for these environmentally-friendly vehicles.
It is important to note that the cost of motorcycle insurance may vary according to motorcycle type, horsepower, frequency of use, owner's driving experience and other factors. It's a good idea to consult different insurers for customized quotes based on the specific type of motorcycle you own.
