Motorcycle insurance
Hit the road knowing you're well protected with motorcycle insurance that meets your needs. Get an online quote today.
With your local Desjardins Agent
If you're already insured with us and you bought your insurance through a local Desjardins Agent, contact them for a personalized motorcycle insurance quote. You can find their contact information in your online account or with our search tool.
Why you need motorcycle insurance
Motorcycle insurance is mandatory in Quebec. By law, you need at least $50,000 in civil liability coverage. This coverage protects you if you damage someone's property in an accident.
Benefits of insuring your motorcycle with us
Our motorcycle insurance helps you pay repair or medical costs in the event of a claim. We have coverage options that fit your needs so you can ride with peace of mind.
Full coverage available
You can choose coverages that protect your bike and its accessories against a wide range of risks including collision, fire, theft and vandalism.
Multi-vehicle discount
By insuring your car or another recreational vehicle with us in addition to your motorcycle, you can save 10% on your premium.
Standalone insurance option
If you don't have car insurance with us, you can insure just your motorcycle.
Convenient online services
If you already have car insurance with us, keep all your insurance in one place by adding your motorcycle to your existing policy. You can then use your online account to manage your policy, update your file and view your insurance documents anytime, anywhere.
Types of motorcycles we insure
- Traditional motorcycles
- Mopeds and scooters
- Sidecars
- Three-wheel motorcycles
You can find a list of eligible bikes when you get an online quote. Call us if you don't see your make and model.
Our motorcycle insurance coverages
Select a coverage type to see more or scroll down to see them all.
Mandatory coverage
Civil Liability
Section A
Covers:
- Damage to someone else's property from an accident that's your fault
- Bodily injuries caused to someone who isn't covered by the Société de l'assurance automobile du Québec (SAAQ) from an accident that's your fault
- Damage to your motorcycle from an accident that's someone else's fault
Quebecers who are injured or lose their life in car accidents are covered under the public automobile insurance plan. In the event of injury or death from a traffic accident, contact the SAAQ to file a compensation claim.
What coverage amount to get
- Minimum amount for our motorcycle insurance: $1 million
- For added peace of mind, for example if you ride outside the province: $2 million
Contact us about what coverage amount is right for your needs.
Common optional coverages
Collision and Upset
Section B2
Covers damage to your motorcycle:
- If you're in an accident with another vehicle or an object
- If your motorcycle rolls over
- If you're struck by a hit-and-run driver
Examples of situations that are covered by this option:
- You back into another vehicle
- You hit a tree or an object while riding
- Your bike skids and tips over while turning a corner
You can choose to skip this coverage, unless your motorcycle is leased or financed and your lender requires it.
All Perils other than Collision or Upset
Section B3
Covers damage to your motorcycle from a range of factors not included in Collision and Upset, such as:
- Fire, theft or vandalism
- Flying or falling objects
- Certain weather events
- Collision with an animal or a person
You can choose to skip this coverage, unless your motorcycle is leased or financed and your lender requires it.
Other optional coverages
Value Plus Option
Endorsement 43
The Value Plus OptionTM keeps your new or used motorcycle from losing value for up to 5 years in the event of total or partial loss.
If your bike is declared a total loss, you'll be paid the price you paid for your bike, increased by an annual percentage.
If your bike is declared a partial loss, we'll pay to repair the damaged parts or replace them with new ones and cover their loss of value.
Travel Costs
Endorsement 20a
Reimburses you:
- Up to $1,500 if you need to take a taxi, use public transit or rent a car after an insured loss
- Up to $750 for meals and accommodation if the loss occurs while you're travelling in Canada or the US
Get a motorcycle insurance quote
Request an online quote to get your personalized rate, then call us to complete your purchase.
With your local Desjardins Agent
If you're already insured with us and you bought your insurance through a local Desjardins Agent, contact them for a personalized motorcycle insurance quote. You can find their contact information in your online account or with our search tool.
What determines the cost of motorcycle insurance?
Several factors affect the cost of your motorcycle insurance, including:
- The make, model and year of your bike
- Where you live
- The coverage you choose
- How long you've had your motorcycle licence
- Your driving record
Insure another vehicle and save
Get a 10% discount on your motorcycle insurance by insuring an additional vehicle with us.
FAQ
Quebec law requires you to register your bike and have civil liability insurance if its engine has a cylinder capacity of more than 50 cubic centimetres. If your engine capacity is 50 cubic centimetres or less, insurance is not mandatory but is strongly recommended. It will protect you financially in the event of a covered accident or loss.
No. In Quebec, drivers or passengers who are injured or lose their life in motorcycle accidents are covered by the SAAQ.
Here are 4 tips to get the best rates for motorcycle insurance:
- Choose a higher deductible if you're able to pay more out of pocket in the event of a claim.
- Insure more than one vehicle with us to get our multi-vehicle discount.
1 - Consider skipping coverage that protects your motorcycle if your motorcycle's value is lower than the combined amount of your deductible and premium.
- Compare quotes for different models when shopping for a motorcycle. Certain types, like high-performance and sport bikes, are more expensive to insure.
If your motorcycle was damaged, stolen or involved in an accident, you can file a claim online, in the Desjardins Insurance Home-Auto app or by phone. We're here to help 24/7.
You don't need to notify us when you put your motorcycle in storage at the end of the season. When we calculate your premium, we assume that you only use your bike seasonally. To ensure your bike stays well protected year-round, we recommend that you don't cancel your policy for the winter. For example, if your policy includes protection against fire, theft and vandalism, your bike will stay covered even if it's parked in a garage during the off-season.
You can, however, get a partial refund of your registration fees if you submit a vehicle storage request on the SAAQ website by September 30. l link.
Contact us
Client Relations Centre
Monday to Friday: 8 AM to 8 PM
Saturday: 8 AM to 4 PM
1-888-277-8726 This link will launch your default phone software.