Ride covered, the Quebec way.

Quebec splits motor vehicle insurance between the SAAQ public plan and the private market. SAAQ covers bodily injury on the road for every registered vehicle. Your private motorcycle policy covers everything else: damage to your bike, theft, fire, and your liability for property damage to other vehicles or structures. You need both, and only the private side is something you shop for.

You need liability coverage whenever the bike is registered for road use, and you need comprehensive coverage as long as it is stored somewhere theft, fire, or vandalism can happen. Many riders carry year-round comprehensive (to protect the bike in storage) with a seasonal road-coverage component that drops off in winter, which lowers the annual premium without leaving the bike exposed.

Base policies cover the bike as it left the factory. Custom exhausts, performance parts, painted bodywork, saddlebags, intercom systems, and other accessories need to be declared and scheduled on the policy to be covered for their full replacement cost. Tell us what you have added and we will make sure the policy reflects it.

Yes, in many cases. Insurers often offer a discount for completion of a recognized motorcycle training or rider-safety course, especially for newer riders. We will ask about it when we shop your quote and apply any available discount across the carriers we work with.