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Free Motorcycle Insurance Quotes with LMBF

LMBF’s motorcycle insurance brokers understand that Quebec motorcycle riders are passionate about their toys and want to help to help you insure your bike - whether that’s a fancy custom bike or something you use for your daily drive when the weather is good. Committed to finding you the best possible motorcycle insurance solutions, you can always trust LMBF to be in your corner when you need us. Start today with a free motorcycle insurance quote.

Motorcycle Insurance Solutions: What it Covers

Third-Party Liability

Third-Party Liability

Included with your standard motorcycle insurance in Quebec, third-party liability covers any costs related to an injury or damages to another driver, pedestrian, or third-party. It may also cover their medical bills in addition to repairs or replacements for their property.

Comprehensive & Collision

Comprehensive & Collision

Comprehensive and collision coverage are optional coverage for your standard motorcycle insurance in Quebec but can come in clutch if your motorcycle is damaged from fire, vandalism, or theft (comprehensive) or in an accident with another vehicle or stationary object (collision.)

Accident Benefits

Accident Benefits

In your motorcycle insurance policy, your accident benefits provides coverage if you, your passengers, or a pedestrian are injured in an accident no matter who was at fault. This offers coverage for income replacement while the injured individual is recovering, rehabilitation treatment, and any other necessary recovery services.

  What motorcycle insurance covers
  • Accident benefits
  • Third-party liability
  • Uninsured motorists
  • Loss of use
  What motorcycle insurance excludes
  • Intentional damages
  • Certain modifications
  • Street racing
  • Tickets and infractions

Are motorcycles expensive to insure?

Motorcycle insurance in Quebec is typically much less expensive than insurance for your vehicle. Why? Well, mainly because motorcycles are only in use for about half of a year. They aren’t much use when the snow begins to fall and the weather gets colder. In addition, motorcycles are much less expensive than your average vehicle so their overall replacement value is less.

Types of Motorcycle Insurance

Although we hope you never do have to make a claim, sometimes things happen. You get in a fender bender, you scratch your bike, etc. - what then? It helps to know in a time like this what you’ll be covered. Below is a list of some of the motorcycle coverage options you may have included with your standard motorcycle insurance in Quebec, in addition to some endorsements you may choose to purchase depending on your coverage needs.

Comprehensive coverage

Comprehensive coverage

  • Fire
  • Theft
  • Vandalism
  • Falling objects
Third-party liability

Third-party liability

  • Bodily injury
  • Property damage
  • Pedestrians
  • Passengers
Collision coverage

Collision coverage

  • Repairs
  • Restoration
  • Accidents with objects
  • Accidents with other drivers
Motorcycle replacement

Motorcycle replacement

  • Replacement bike
  • Resources for new bike
Loss of use

Loss of use

  • Temporary replacement
Accidentrating waiver

Accidentrating waiver

  • At-fault accidents
  • Premium increases
Uninsured automobile

Uninsured automobile

  • Rehabilitative treatment
  • Loss of life
Accident benefits

Accident benefits

  • Rehabilitative treatment
  • Loss of income
  • Medical treatment
Roadside assistance

Roadside assistance

  • Mechanical breakdown
  • Towing
  • Roadside repairs
Replacement cost

Replacement cost

  • Indemnification without
Tires and toys

Tires and toys

  • Upgrades
  • Modifications
  • Additions
Gap coverage

Gap coverage

  • Difference between worth and lease owed
  • Totaled or stolen bike

Our Motorcycle Insurance partners

LMBF believes that motorcycle owners have a passion that not everyone has. As such, we have partnered with some of the most reputable motorcycle insurance companies in all of Quebec to ensure that you can find the best coverage for the most affordable rates. Motorcycle insurance in Quebec is easier than ever to get when you allow LMBF to do the shopping for you from some of the top-rated carriers and find you motorcycle insurance quotes that you can choose from. From the moment you purchase a policy, you have an advocate for life.

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Motorcycle Insurance in Quebec: Frequently Asked Questions

A: The cost of your motorcycle insurance largely depends upon your individual factors, including your driving record (good drivers with few to no incidents are rewarded with lower insurance rates), your age and gender, your location, the make and model of your motorbike, how often you use your bike and for what purpose, and more. Motorcycle insurance in Quebec can have a huge range of costs, but if you are dissatisfied with your rates you can ask LMBF’s motorcycle insurance brokers about what discounts may be available. Furthermore, you can ask us for tips and tricks to help you save!

A: Technically, yes, but you may have a difficult time getting insured without a license. Many insurers will not allow you to purchase motorcycle insurance without having a license. Even if you have a suspended license, purchased a bike before getting licensed, or own a vintage bike that you don’t ride, you may be required to have insurance. Often, an unlicensed motorcycle owner will be classed as high-risk.

A: The “best” motorcycle insurance policy is subjective, and what works for one motorcycle owner may not work for the next. As such, it is highly recommended you work with a motorcycle insurance broker (just like the experts here at LMBF!) to help find you a plan from our top-rated insurance partners so you can get a plan that matches your requirements - and not just what is deemed “the best.”

A: Policies are mostly designated for a one-year period, but you may consider canceling your motorcycle insurance in the winter. After all, you aren’t using your bike. However, it is highly recommended that you do not cancel your motorcycle insurance in the winter. For one, you could lose your loyalty discounts. Secondly, you will have a gap in your coverage, which can affect your overall premium. If anything happened to your motorcycle in storage, you wouldn’t have insurance. To maximize your coverage and reduce your costs, it’s best to continue your motorcycle insurance even through the months where it isn’t in use.

A: In Quebec, motorcycle insurance is a motorized vehicle - no matter how many wheels it has. Therefore, it follows the same laws as any automobile, which means you are required to carry motorcycle insurance. Motorcycle insurance is relatively inexpensive compared to car insurance, so there’s really no reason not to carry it.

A: You may pay a different amount for your motorcycle insurance in Quebec than your neighbour, but this is only because you have may have different demographics, your bike may be different, your insurance history may be different, and you may not have been licensed as long. All in all, you can’t expect to pay the same as any other biker. The average cost of Quebec motorcycle insurance is somewhere around $200/year - (only a quarter of what car insurance costs!)