Motorcycle Insurance
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!
A motorcycle is not insured in the same way as your car. That’s why it’s advantageous to work with an independent broker to shop around for insurance. They will be able to find the right coverage for each of your vehicles!
Types of coverage and options
Multiple coverages tailored to your situation.
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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.
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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.
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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.
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All perils
All perils coverage includes your third party liability, collision or upset and accidents other than collision or upset. This is the most comprehensive coverage of all.
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All perils other than collision or upset
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? Theft 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.
Other option
Enhance your insurance with these add-ons to your policy that offer you even more protection, for optimal coverage that can handle any situation. These protections are not always included in standard packages, so it’s best to check and make sure they are included in your contract!
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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.
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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.
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Replacement cost endorsement
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.
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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.
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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.
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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
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Is vehicle insurance mandatory in Quebec?
Yes, in Quebec, the law requires owners of all motor vehicles to have automobile insurance covering civil liability for an amount of at least $50,000.
This protection covers property damage caused to others if you are responsible for an accident. It is also possible to purchase optional coverage for damage to your own vehicle.
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What to do in case of an accident?
In the event of a car accident, it is important to take immediate steps to protect your safety. Here are the steps to follow:
- Make sure everyone is safe and call the emergency services and the police if necessary. If possible, move the vehicles involved out of the way of traffic.
- Exchange details with the other drivers and, if the circumstances of the accident allow, complete an accident report form.
- Take photographs of the accident scene, the damage to the vehicles and any visible injuries.
- Contact your insurance broker as soon as possible to report the accident and provide them with all the information you have.
A claims adjuster will then be assigned to your case to investigate the damage caused and your liability in the accident.
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Does my car insurance also cover my motorbike?
No. Your car insurance does not cover your motorcycle. They are two separate vehicles, each requiring its own specific insurance policy. It is possible to add a motorbike to a car insurance policy; however, we advise you to insure your motorcycle with a specialist insurer under a separate policy.
Tips and advices
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How to Make an Insurance Claim Step by Step
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Vehicle to be stored? Notify your insurer!
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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.