Online motorcycle insurance quotes in Montreal

KBD is a motorcycle insurance broker in Montreal with 40+ years of experience.

Find the cheapest biker insurance cost by getting a quick quote online.

Compare prices among top insurers
Motorcycle insurance
coverage we offer
Collision

Subject to a deductible, collision motorcycle insurance covers you in the event of an at-fault accident.

Comprehensive

Protection in the event of fire, theft, vandalism and glass breakage. Comprehensive insurance is always subject to a deductible.

Liability

Covers you for non-responsible accidents or if you cause damage to a third party.

Our clients say it best

More than 600 5-star reviews on
Leah N.
“Great service, very easy and well explained procedures and information needed for insurance. Jordan was great to work with, and had excellent communication skills. 10/10 recommend.”
Shawn B.
“Greg is always making sure all my insurance needs are covered. Excellent service and very responsive.. thanks again!”
Nathan T.
“My first time ever getting insurance for a car and it was super simple. I spoke to Erika who was super nice and answered all my questions, and provided everything I needed!”
Brian B.
“Great experience. As a new to Quebec driver who just bought a car I got my insurance processed over the phone in less than 20 minutes. Very efficient, easy to understand and good coverage.”

Get a quick motorcycle insurance quote today

Montreal motorcycle insurance FAQs

How much does motorcycle insurance in Montreal cost?

In 2021, the average cost in the province of Quebec for motorcycle insurance is $202/year. Montreal’s average price is slightly higher, due to higher traffic density.

Here are some factors that determine what a client pays for biker insurance:

  • Newer motorcycles are more expensive to insure than used motorcycles.
  • Financed motorcycles are more expensive because you’re required to take “all risk” coverage instead of “one-way” coverage.
  • Customers with many accidents or claims pay more than accident-free customers.
  • Customers who have bad credit scores pay more than customers with good credit scores.
  • Customers who have been cancelled for non-payment in the past pay more than customers who have never had payment problems.
  • Sport-bikes are more expensive to insure than cruisers.

How do I lower my motorcycle insurance cost in Montreal?

There are 4 main ways you can lower your Montreal motorcycle insurance cost:

  1. Avoid making small claims – If you have 3 or more claims within 5 years, you will have a very difficult time finding affordable insurance.
  2. Raise your deductibles – The more you’re willing to pay out of pocket to have repairs done, the less expensive your Car Insurance will be.
  3. Bundle your motorcycle & residential insurance – You can save a significant amount when you combine insurance policies.
  4. Consider buying “one-way” coverage – Just be aware of the coverage and protections you’re missing out on by spending less.

How do I get a motorcycle insurance quote in Montreal?

You can get a motorcycle insurance quote in Montreal by either calling an insurance company directly or going on their website and filling out a quote online.

Once you find a quote that you’re happy with, you’ll need to provide the insurance company the serial number (VIN) of the motorcycle you want to insure, as well as the driver’s license numbers of all drivers you want on your policy.

From there, the insurance company will send you proof insurance, usually by email. Once you get the proof of insurance, you’re good to go!

How do I get “all risk” motorcycle insurance coverage in Montreal?

When looking for “all risk” motorcycle insurance in Montreal, you’ll need to either get quotes online or over the phone with an insurance company.

All risk insurance (B1) is when you have coverage for collision, fire, theft, vandalism, hit & runs, glass breakage and civil liability. One-way coverage includes liability coverage only.

Deciding between “all risk” or “one-way” motorcycle insurance depends on a few different factors:

  1. If your vehicle is being financed, you need all risk coverage to protect both you and your finance company. Usually, the finance company will not let you leave with your bike until they have proof and/or confirmation that the motorcycle is insured for all risk.
  2. If your motorcycle is important to you and you don’t have the means to repair or replace it in the event of damage, all risk insurance is the way to go. At KBD, we suggest all risk coverage on all motorcycles less than 5 years old and/or with a value of more than $5,000.

If all risk insurance is what you need, be sure to mention it when finalizing your motorcycle quote with the insurance professional.

How do I get a motorcycle insurance quote online?

There are a few ways to receive motorcycle insurance quotes online:

  • Motorcycle insurance broker websites (like KBD) who can compare prices for you
  • Directly visit major insurance company websites:
    • Desjardins
    • Belair
    • La Capitale
  • Aggregator websites like rates.ca or clicassure.com

A free 3-minute quote will provide more of an estimate than an accurate price.

KBD provides online quotes through Intact, Economical & L’Unique.

How do I find cheap motorcycle insurance in Montreal?

The first thing you need to do is get a quote. You can get a quote by either calling an insurance company directly or going on their website and filling out a quote online. Once you find a quote that you’re happy with, you will need to provide the insurance company the serial number of the motorcycle you want to insure, as well as the driver’s license number of each driver you want on your policy. From there, the insurance company will send you proof of insurance, usually by email. Once you get the proof of insurance, you’re good to go!

What's included in my motorcycle insurance policy?

When looking on the coverage page of your contract, you need to look for the following codes to understand what’s covered and what isn’t:

  • B1 (All Risk): Collision, fire, theft (including motorcycle accessories), vandalism, hit & run, glass breakage and animals.
  • B2 (Collision): Responsible accidents with other vehicles, objects, buildings or loss of control of the motorcycle. Also covers hit & runs.
  • B3 (Comprehensive): Fire, theft (including motorcycle accessories), vandalism and glass breakage

All Montreal motorcycle policies include civil liability (damage you may cause to others with your motorcycle). If you don’t see the codes B1, B2 or B3, then you likely only have coverage for civil liability.

What's the best motorcycle insurance company in Montreal?

Motorcycle insurance policies vary greatly. What might be the best for you may not be the best for your neighbor, and vice versa. The only way to know company is best for you is by shopping amongst the top insurance companies, such as:

  • Intact
  • Belair
  • Desjardins
  • All-State
  • Promutuel
  • La Personnelle
  • La Capital
  • SSQ
  • Wawanesa

KBD is a Montreal insurance broker, we work with Canadian companies like Intact, Economical & L’Unique.

Will my motorcycle insurance cost more if I'm a new biker?

Generally speaking, yes.

Your motorcycle insurance price is based a several different factors, such as:

  • Year of the motorcycle
  • Make of the motorcycle
  • Model of the motorcycle
  • Value of the motorcycle
  • Your age
  • Your sex
  • Your postal code
  • Your credit score
  • Your accident history

Your price is also based on your driving history and how long you’ve had your motorcycle license.

How much does motorcycle insurance in Montreal cost?

In 2021, the average cost in the province of Quebec for motorcycle insurance is $202/year. Montreal’s average price is slightly higher, due to higher traffic density.

Here are some factors that determine what a client pays for biker insurance:

  • Newer motorcycles are more expensive to insure than used motorcycles.
  • Financed motorcycles are more expensive because you’re required to take “all risk” coverage instead of “one-way” coverage.
  • Customers with many accidents or claims pay more than accident-free customers.
  • Customers who have bad credit scores pay more than customers with good credit scores.
  • Customers who have been cancelled for non-payment in the past pay more than customers who have never had payment problems.
  • Sport-bikes are more expensive to insure than cruisers.

How do I find cheap motorcycle insurance in Montreal?

The first thing you need to do is get a quote. You can get a quote by either calling an insurance company directly or going on their website and filling out a quote online. Once you find a quote that you’re happy with, you will need to provide the insurance company the serial number of the motorcycle you want to insure, as well as the driver’s license number of each driver you want on your policy. From there, the insurance company will send you proof of insurance, usually by email. Once you get the proof of insurance, you’re good to go!

How do I lower my motorcycle insurance cost in Montreal?

There are 4 main ways you can lower your Montreal motorcycle insurance cost:

  1. Avoid making small claims – If you have 3 or more claims within 5 years, you will have a very difficult time finding affordable insurance.
  2. Raise your deductibles – The more you’re willing to pay out of pocket to have repairs done, the less expensive your Car Insurance will be.
  3. Bundle your motorcycle & residential insurance – You can save a significant amount when you combine insurance policies.
  4. Consider buying “one-way” coverage – Just be aware of the coverage and protections you’re missing out on by spending less.

What's included in my motorcycle insurance policy?

When looking on the coverage page of your contract, you need to look for the following codes to understand what’s covered and what isn’t:

  • B1 (All Risk): Collision, fire, theft (including motorcycle accessories), vandalism, hit & run, glass breakage and animals.
  • B2 (Collision): Responsible accidents with other vehicles, objects, buildings or loss of control of the motorcycle. Also covers hit & runs.
  • B3 (Comprehensive): Fire, theft (including motorcycle accessories), vandalism and glass breakage

All Montreal motorcycle policies include civil liability (damage you may cause to others with your motorcycle). If you don’t see the codes B1, B2 or B3, then you likely only have coverage for civil liability.

How do I get a motorcycle insurance quote in Montreal?

You can get a motorcycle insurance quote in Montreal by either calling an insurance company directly or going on their website and filling out a quote online.

Once you find a quote that you’re happy with, you’ll need to provide the insurance company the serial number (VIN) of the motorcycle you want to insure, as well as the driver’s license numbers of all drivers you want on your policy.

From there, the insurance company will send you proof insurance, usually by email. Once you get the proof of insurance, you’re good to go!

What's the best motorcycle insurance company in Montreal?

Motorcycle insurance policies vary greatly. What might be the best for you may not be the best for your neighbor, and vice versa. The only way to know company is best for you is by shopping amongst the top insurance companies, such as:

  • Intact
  • Belair
  • Desjardins
  • All-State
  • Promutuel
  • La Personnelle
  • La Capital
  • SSQ
  • Wawanesa

KBD is a Montreal insurance broker, we work with Canadian companies like Intact, Economical & L’Unique.

How do I get “all risk” motorcycle insurance coverage in Montreal?

When looking for “all risk” motorcycle insurance in Montreal, you’ll need to either get quotes online or over the phone with an insurance company.

All risk insurance (B1) is when you have coverage for collision, fire, theft, vandalism, hit & runs, glass breakage and civil liability. One-way coverage includes liability coverage only.

Deciding between “all risk” or “one-way” motorcycle insurance depends on a few different factors:

  1. If your vehicle is being financed, you need all risk coverage to protect both you and your finance company. Usually, the finance company will not let you leave with your bike until they have proof and/or confirmation that the motorcycle is insured for all risk.
  2. If your motorcycle is important to you and you don’t have the means to repair or replace it in the event of damage, all risk insurance is the way to go. At KBD, we suggest all risk coverage on all motorcycles less than 5 years old and/or with a value of more than $5,000.

If all risk insurance is what you need, be sure to mention it when finalizing your motorcycle quote with the insurance professional.

Will my motorcycle insurance cost more if I'm a new biker?

Generally speaking, yes.

Your motorcycle insurance price is based a several different factors, such as:

  • Year of the motorcycle
  • Make of the motorcycle
  • Model of the motorcycle
  • Value of the motorcycle
  • Your age
  • Your sex
  • Your postal code
  • Your credit score
  • Your accident history

Your price is also based on your driving history and how long you’ve had your motorcycle license.

How do I get a motorcycle insurance quote online?

There are a few ways to receive motorcycle insurance quotes online:

  • Motorcycle insurance broker websites (like KBD) who can compare prices for you
  • Directly visit major insurance company websites:
    • Desjardins
    • Belair
    • La Capitale
  • Aggregator websites like rates.ca or clicassure.com

A free 3-minute quote will provide more of an estimate than an accurate price.

KBD provides online quotes through Intact, Economical & L’Unique.