Your criminal record may be the result of a careless and thoughtless mistake, but unfortunately, it could affect your ability to ride your two-wheeled vehicle for a long time to come. In this sense, even if you have paid your debt to society and are living a law-abiding life, you may have difficulty finding motorcycle insurance. Assurances Multi-Risques is a firm with expertise in insurance for people with criminal records, and we would like to share a few tips on how to find an insurer for your motorcycle.
Why is it difficult to insure your motorcycle when you have a criminal record?
First of all, as you may have learned the hard way, finding car and home insurance is difficult with a criminal record. Why ? Because insurers base their decisions to accept or reject a policy on their past experience, and therefore on statistics. As a result, many insurance companies consider people with a criminal record to be higher risk. They therefore simply prefer not to insure them!
In short, considering that insuring a car can be difficult with a criminal record, imagine insuring a motorcycle alone… The task is even more challenging.
Where can you insure your motorcycle if you have a criminal record?
If you have a car, most insurers specializing in criminal cases will agree to insure your motorcycle under the same policy as your vehicle. This will make things much easier for you! However, if you only have a motorcycle and no vehicle in your name, insuring it may be more complicated depending on the contents of your criminal record. Unfortunately for you, the few motorcycle insurers that accept criminal records will offer you high premiums. As in any industry, it’s a matter of supply and demand…
You could therefore consider purchasing a car in order to insure it, along with your motorcycle, with a car insurer that specializes in criminal records. If it’s cost-effective for you, of course! However, before making such a significant purchase, be sure that it will be worth it and that a car insurer will actually agree to insure your motorcycle.
Vous pourriez aussi choisir de ne pas déclarer votre dossier criminel à votre nouvel assureur. Mais nous vous le déconseillons vivement, car la vérité finit toujours par éclater au grand jour ! Et il serait dommage que vous ayez à vivre de nouveaux problèmes d’assurance tel qu’un refus d’indemnité pour fausse déclaration à votre assureur… Pour en savoir plus sur les conséquences de ne pas déclarer votre dossier criminel à votre assureur, nous vous invitons à lire notre précédent article sur le sujet.
In short, at Assurances Multi-Risques, we know that riding a motorcycle is a way of life. And unfortunately, paying a fine or spending time behind bars is not enough to put your criminal record behind you and allow you to ride with peace of mind. So contact one of our independent insurance brokers who specializes in criminal records. They will do everything in their power to find you the best insurer at the best price for your two-wheeled vehicle. That way, you can enjoy your passion and ride the roads of Quebec all summer long!