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What you should know about motorcycle insurance
Once the winter and rainy periods are over, motorcycle enthusiasts hurry to get on their bikes to cross the roads of Quebec. So leave with peace of mind and return to your destination full of memories thanks to our road safety tips , the explanations on motorcycle insurance that we will give you and the little tips on how to save. Whether you own a Honda, Kawasaki, Harley, KTM, Suzuki or Yamaha motorcycle, we have competitive rates.
Remember to protect yourself before riding your motorcycle!
Before you even get on your motorcycle, make sure to check your equipment. Is your body well protected? Your head? Will other road users see you in the dark?
Never underestimate the dangers of the road. After a wet or winter season, gravel or sand remains could hinder your driving, adding to this road imperfections, potholes and the risk of having an accident will be multiplied by 10.
Be sure that motorists can also see you in the dark, because after a survey, 70% of motorists who have been in collision with a motorcycle said they did not see it. This is due to the small size of the bike, especially when seen from the front. To be more visible, opt for clothing and accessories with brighter and lighter colors. Also consider adding headlights or auxiliary lights on the mirrors and at the bottom of the fork of your motorcycle to give a more voluminous effect. And finally, always stay on the alert!
Never neglect to wear a helmet, whether on a motorcycle or a snowmobile ! Did you know that wearing a helmet could reduce your chances of dying by 37% in case you get into a motorcycle accident? In addition, you are three times less likely to have a head injury. Add appropriate clothing in addition to your helmet, such as leather or anti-abrasion and anti-tear textile clothing, especially remember to protect the elbows and knees.
What are the guarantees of your motorcycle insurance policy?
In the FPQ No. 1 policy that covers your motorcycle, there are several types of coverage :
- Protection of “Civil Liability” (Section A)
- “All Risks” Coverage (Chapter B1)
- “Collision or upset” coverage (Chapter B2)
- “Comprehensive Accidents” coverage (Chapter B3)
- “Specified perils” coverage (chapter B4)
Protection of “Civil Liability” (Section A)
According to this section, you will be protected in the event that you cause property damage to others and bodily injury outside Quebec. In addition to this, this guarantee offers you total coverage when you are deemed not at fault for the accident. You will be able to take advantage of this protection throughout Canada and the United States. Be aware that most drivers will opt for $1 million to $2 million in coverage on their insurance policy.
“All Risks” Coverage Except (Chapter B1)
With this section, your motorcycle will be protected if you decide to combine collision or upset coverage with comprehensive coverage. Thus, the deductible will be the same regardless of the damage that occurs. It’s just optional coverage. But depending on whether or not your vehicle was leased or purchased with financing, this coverage may be mandatory.
It should be noted, however, that some insurers will not offer you “All Risk” coverage in motorcycle insurance.
“Collision or Upset” Coverage (Chapter B2)
Like the previous coverage, this coverage is optional but may be required in the event that your vehicle is leased or purchased with financing. This section will protect you from property damage to your motorcycle, such as if you hit or are hit by an object or if your vehicle is overturned.
“Comprehensive Accidents” coverage (Chapter B3)
In this section, your vehicle is protected if it suffers damage other than in a collision or upset, such as broken windows, theft, fire, lightning, vandalism and any other specified peril. This coverage is also optional but may be required in the event that your vehicle is leased or purchased with financing. Generally, this coverage is taken with the collision protection if your motorcycle is still new.
“Specified perils” coverage (chapter B4)
This coverage, which is also optional, only protects you against the risks that you have mentioned in your contract, such as hail, lightning, etc.
Several attractive additional coverages, it is also possible for you to benefit from additional coverage in the form of endorsements.
Notes on motorcycle insurance
For motorcycle or ATV insurance, your insurer may add the FAQ No. 32 endorsement. This means that your vehicle will be used exclusively for recreational purposes.
With certain motorcycle models, such as Harley Davidsons, your insurer may limit the amount payable by adding the FAQ No. 39 endorsement. It’s important that you read your contract carefully, as all motorcycle insurance policies have limitations and exclusions. Please note that your insurance policy is valid throughout Canada and the United States. Except in Mexico. Thus, if you drive in Mexico or other countries, you will not be able to be covered on the FPQ No 1 policy. So, if you wish to travel outside our borders while being protected, please consult us for assistance.
Finally, some insurers may not be able to cover certain motorcycle models. If this happens to you, contact us and we will find an insurance solution that will be satisfactory to you, with our licensed insurers.
What is the cheapest motorcycle insurance?
Insurance rates vary from provider to provider, which is why it’s so important to compare rates on an annual basis. Canadians tend to “set it and forget” their motorcycle insurance, but the renewal period is the best opportunity to save.
Fill out a quote today to find out how much you can save.
The Future of Motorcycle Insurance in Quebec
Jean Boissonneault, associate insurance broker and president of Assur360, expresses a strong opinion on motorcycle insurance in Quebec and its major challenges in the future. According to him, motorcycle insurance is essential to protect drivers and their property on Quebec roads. The president of Assur360, emphasizes that, in the face of the increase in accidents and associated costs, it is imperative that motorcyclists fully understand the risks to which they are exposed and take out adequate insurance policies. It emphasises the need for fair and transparent pricing, taking into account the individual characteristics of drivers and motorcycles, while encouraging personal responsibility on the road. For Boissonneault, the future of motorcycle insurance in Quebec lies in close collaboration between insurers, regulators and drivers, to effectively identify and address emerging challenges, such as evolving driving technologies and growing safety concerns.
Q: Puis-je bénéficier de réductions sur mon assurance moto ?
A: Yes, many insurers offer discounts for experienced drivers, drivers who take road safety courses, those who have a secure garage for their motorcycle, or those who bundle multiple insurance policies with the same company.
Q: Que dois-je faire en cas d’accident avec ma moto ?
A: In the event of an accident, first make sure you and others involved are safe. Then, take photos of the scene, exchange information with other drivers, and contact your insurer to report the accident.
Q: Puis-je ajouter des accessoires personnalisés à ma police d’assurance moto ?
A: Yes, most insurers allow you to add custom accessories to your policy for an additional premium.
Q: Quels types de couverture propose l’assurance moto ?
A: The types of coverage vary, but generally, they include third party liability to cover damage to others, collision damage to your motorcycle, theft and fire insurance, as well as optional options like third-party damage insurance.
Q: De quoi dépend le coût de l’assurance moto ?
A: The cost of motorcycle insurance depends on several factors, including your age, experience as a driver, the model of your motorcycle, where you live, and the type of coverage you choose.
