Motorcycle
Your two-wheeled speedster deserves to be in good hands! And because every vehicle deserves insurance expertise, we offer you nothing less.
We take care to protect your equipment, but also that you and your passengers are safe. Because you deserve nothing less than a smooth ride! AMR frees up your schedule so you can dream about your next getaway!
Types of coverage and options
Multiple coverages tailored to your situation.
-
Civil liability
Third party liability coverage is mandatory for all vehicle owners. This coverage follows you every step of the way and protects you in case of accidental damage caused by your vehicle to other people or their vehicles. We recommend that you increase your third party liability coverage if you drive outside Quebec and Canada.
-
All risk
All risk coverage includes your third party liability, comprehensive, and collision and upset. This is the most comprehensive coverage of all.
-
Collision or upset (impact with a vehicle)
As the name suggests, this coverage insures you in the event of a collision with another vehicle or in the event of an upset. With this coverage, the cost of repairing and replacing your vehicle due to property damage (based on the value on the day of the loss) will be covered. is coverage applies if you collide with another car, with the ground, with an object on the ground or if your vehicle is overturned.
-
Comprehensive incidents
This type of coverage insures your vehicle for loss or damage that is not caused by a collision with another vehicle. What types of incidents are covered? eft or attempted theft, vandalism, damage caused by falling trees or objects, damage caused by an animal (including a collision with a deer) and damage caused by lightning, high winds, rising water, earthquakes or fires.
-
Equipment and accessories insurance
“Equipment and accessories” refers to any additions that are not part of the vehicle’s original configuration. They are included in most insurance policies, but it is always best to declare any added equipment to ensure that it is properly covered.
This coverage does not apply to equipment and accessories that alter the performance of the engine and/or the handling of the vehicle. It is essential to report any such modifications to your insurer.
Other option
-
Replacement insurance
This protection covers the replacement of your vehicle in the event of a claim. Two options are available to you. You can choose to replace your vehicle with another of equivalent value or obtain financial compensation of equivalent value for the purchase of a vehicle of your choice.
-
Replacement cost insurance
This coverage allows you to replace your property that has been damaged without deduction for depreciation. The premium will be determined based on the new value. It is important to be aware of the exclusions mentioned in the contract.
-
Loss of use
This coverage applies if you are deprived of your vehicle following an accident for which you are not responsible or if a serious breakdown prevents you from using your vehicle.
-
Life & health insurance and medical expenses
This coverage compensates you in the event of death or dismemberment. This protection covers your medical expenses and total disability if you suffer bodily injuries in a car accident.
-
Roadside assistance
This coverage ensures that you have access to roadside assistance in the event of an accident or breakdown. In addition to roadside repairs, roadside assistance may also include towing, unlocking doors, jumping the battery, installing a spare tire and providing fuel.
-
Legal assistance
Legal insurance allows you to benefit from financial assistance so you can quickly access legal services from the lawyer of your choice. With the goal of offering you peace of mind, this additional coverage will ensure that your fees are covered.
Answers to your questions
-
How can you suspend or cancel motorcycle insurance?
To cancel your motorcycle insurance policy, you can contact your AMR insurance broker, who will take care of the formalities with your current insurance company and, if necessary, find you a new insurer that better suits your needs or budget.
To suspend your motorcycle insurance for the winter, you must check with your broker to see if you are eligible for the FAQ16 endorsement. Under this clause, some of the coverage related to the operation of your vehicle, such as third party liability and the collision section, will be suspended while your motorcycle is in storage. If this applies to your situation, you may receive a credit on your insurance premium.
-
Are we insured if someone tries out our motorcycle?
If someone with a valid driver’s license drives your motorcycle with your permission and is involved in an accident, most insurance policies will cover the damages up to your insurance limits.
However, if someone is riding without your permission and gets into an accident, then your insurance coverage may be in question.
We recommend that you check with your broker to see what your coverage would be in the event of such an incident.
-
What documents are required to insure a motorcycle?
The documents required to insure a motorcycle may vary depending on the insurance company. However, the following is a list of the documents that are usually required:
- Driver’s licence
- Proof of registration
- Safety certificate
- Proof of previous insurance (if you already have motorcycle insurance in place)
-
Is motorcycle insurance mandatory?
In Quebec, it is mandatory to have insurance for your motorcycle. In accordance with the Automobile Insurance Act, you must purchase civil liability coverage of at least $50,000.
Tips and advices
-
Vehicle to be stored? Notify your insurer!
-
Getting Motorcycle Insurance With a Criminal Record
-
Does your Credit Score Affect your Insurance Premiums?
Why choose us?
When you choose AMR Assurances Multi-Risques, you’re opting for a team of insurance experts. More than just brokers, we are advisors who have your best interests at heart.
Our primary mission is to represent you with various insurers and to offer you a product that meets your needs. And because life moves fast, we negotiate to get you the best insurance contract at the best quality-price ratio to guarantee you peace of mind.
Don’t wait any longer!
We’re passionate about insurance
We compare the best protections
We speak your language
To put one’s foot in it,
whatever the situation, we know what that means.
Don’t panic!
We’re here to help you.
What we also know is that when you’re in trouble, you want to find a solution quickly.
Life is easier with AMR.