Available in Canada and the United States, this service covers, among other things:
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Battery jump-starts
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Fuel delivery
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Vehicle towing
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Motorcycle securing
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Reimbursement for one night of hotel accommodation if needed
Riding a motorcycle is a passion, a lifestyle, and an unparalleled sense of freedom. But before hitting the road, one thing is essential: being well-insured. In Quebec, motorcycle insurance is mandatory and follows a standard contract similar to automobile insurance. What makes the difference are the additional protections chosen… and the right insurer.
Some insurers specialize in motorcycle insurance, and this can make all the difference in your premium. The experts at J. Gérard Fortin & Associates understand your specific needs and assist you in finding coverage that is suitable, effective, and affordable. Whether you ride daily or only in the summer, our goal is simple: to allow you to enjoy your motorcycle with peace of mind.
Finding the right insurance for your motorcycle isn’t just about price. It’s primarily about choosing protections that align with your reality on the road. The specialized brokers at J. Gérard Fortin & Associates will help you make informed choices based on your type of riding, your vehicle, and your habits.
Motorcycle insurance is a legal requirement in Quebec. Indeed, the law considers motorcycles as motor vehicles and requires their owners to be insured. Quebec’s automobile insurance law makes a significant distinction between the rules applicable to bodily injury victims and those related to property damage. In the event of an accident causing bodily injury, whether you are at fault or not, legal action is prohibited. Victims are compensated directly by the Société de l’assurance automobile du Québec (SAAQ). However, every motor vehicle owner must take out liability insurance to cover property damage caused to others.
In Quebec, the motorcycle insurance contract is standardized and identical to automobile insurance. This contract, approved by the Autorité des marchés financiers, consists of two parts. The first, mandatory, is civil liability insurance, referred to as “Chapter A.” The second, optional, includes several optional protections under “Chapter B.” The chosen coverages and insured amounts vary according to each policyholder’s needs and preferences.
Civil liability protects against property or bodily damage caused to others, including outside Quebec. It also provides coverage if you are not at fault in an accident, covering damage to your motorcycle. This coverage is valid throughout Canada and the United States. Most riders choose coverage ranging from $1 million to $2 million.
In Quebec, this protection is mandatory. It covers property or bodily damage caused to others, including outside Quebec. It also includes coverage for damage to your vehicle when you are not at fault in the accident. This coverage is valid throughout Canada and the United States. Most riders opt for coverage ranging from one to two million dollars.
This protection combines collision (or upset) coverage and non-collision accident coverage. The deductible remains the same for any incurred damages. This coverage is optional. However, if your vehicle is leased or financed, this coverage may be required.
This protection covers material damages to your vehicle when you hit or are hit by an object or if the vehicle tips over. This coverage is also optional. However, if your vehicle is leased or financed, this coverage may be required.
This protection covers damages to your vehicle other than collision or upset damages, such as broken windows, theft, fire, lightning, vandalism, and other specified perils. This coverage is also optional unless required by a financing or leasing agreement. This coverage is typically taken in combination with collision coverage if the vehicle still holds significant value.
Also optional, this protection covers only the perils specified in the contract, such as hail, lightning, etc.
These descriptions are provided only as a guide. Certain conditions, limitations and exclusions may apply to each of these guarantees, as specified in the forms. Coverage is also subject to change without notice. Please refer to the forms provided by your insurer and to their modifications.
In motorcycle insurance, your insurer may add endorsement FAQ No. 32, which specifies that the vehicle will be used exclusively for recreational purposes. For certain specific models, such as Harley-Davidson motorcycles, another endorsement — FAQ No. 19 — may be included to limit the payable amount for protections under Chapter B.
All motorcycle insurance policies have limitations and exclusions. It is therefore essential to take the time to carefully read your contract to understand exactly what is covered and what is not.
Your motorcycle insurance is valid throughout Canada and the United States. However, if you ride in Mexico or any other country, you will not be covered by the standard FPQ No. 1 policy. Additional insurance solutions are available for travel outside Canada and the U.S. Please contact us if you need assistance finding the right protection.
Finally, certain restrictions may apply depending on the insurance company. For example, some motorcycle models may not be eligible with certain insurers. If this is the case, we can help you find suitable coverage for your vehicle through our network of specialized insurers.
To enhance your motorcycle insurance policy, several endorsements can be added depending on your needs. Here are the main additional protections available:
In the event of a claim, your motorcycle will be repaired using new, original parts, without any deduction for depreciation. In the case of a total loss, you will receive compensation equivalent to the original purchase price of your vehicle.
This coverage protects against loss related to depreciation of your motorcycle and its equipment (for example: leather saddlebags, chrome accessories, sidecars). It is important to inform your broker of these items so that they are adequately covered.
If an accident occurs, including during a trip to the United States, and you can no longer use your motorcycle, this protection provides:
Rental of a replacement vehicle while your motorcycle is being repaired
Travel expenses (meals, lodging, transport of personal belongings) to allow you to continue your trip or return home
Provides compensation in case of death or reimbursement of certain medical expenses if you are involved in an accident while riding your motorcycle.
Available in Canada and the United States, this service covers, among other things:
Battery jump-starts
Fuel delivery
Vehicle towing
Motorcycle securing
Reimbursement for one night of hotel accommodation if needed
Getting proper insurance for a sport motorcycle can be challenging. Most automobile insurers only agree to cover these vehicles out of obligation, often under unfavorable conditions: high premiums, large deductibles, and limited protections.
At J. Gérard Fortin & Associates, we understand the specific needs of this market. Thanks to our access to specialized insurers, we can offer coverage tailored to your profile at competitive rates.
Entrust us with your motorcycle insurance and ride with peace of mind, ready to fully enjoy the road and the performance of your machine.
Riding a Harley-Davidson embodies a lifestyle of elegance and freedom. Unfortunately, this prestigious reputation can make obtaining affordable insurance challenging. Many automobile insurers impose high premiums, large deductibles, and limited coverage. That’s where our expertise comes in.
Our specialized brokers know exactly which insurers to approach to provide coverage tailored to the value of your Harley and your riding style. We offer comprehensive and competitive insurance solutions. In the event of a claim, we are also here to support, advise, and represent you at every step.
With J. Gérard Fortin & Associates, you can ride with peace of mind, knowing that you are fully protected.
Do you own a scooter and wonder what insurance applies to your situation? If you are under 18 and living with your parents, your scooter may be covered under their automobile insurance. It’s important to check with your broker.
If you are over 18 and already have car insurance, you can generally add your scooter to your existing policy. If your scooter is your only vehicle, your homeowner’s insurance may also provide adequate coverage for your scooter.
Since every situation is unique, it is essential to speak with a broker at J. Gérard Fortin & Associates to find the insurance solution best suited to your needs.
In the event of a road accident involving injuries, your first priority is to call 911 immediately. If it is a minor collision with no injuries, police presence is not required. Instead, you should complete an accident report form with the other driver. Always keep a copy of this document in your vehicle.
If you don’t have a report form on hand, make sure to record all essential information: name, address, and phone number of the other driver, as well as driver’s license number, vehicle registration, and proof of insurance. It is important to note that even if the police are involved, they do not determine fault; this decision is made by your insurer during the claims process.
Once your claim is submitted with the required documentation, your insurer has a maximum of 60 days to process and compensate you. To expedite the process, ensure you have all necessary documents ready.
Vehicle Theft
If your motorcycle is stolen or you are involved in a hit-and-run, contact the authorities immediately to file an official report. You will be provided with a report number, which should be kept safe.
Contact us as soon as possible. We will submit your claim to the insurer promptly while ensuring that the settlement is handled fairly. If your vehicle is unusable, we will work with the insurer to assess the possibility of providing a temporary replacement vehicle.
Our brokers support you throughout the claims process, provide advice, and represent you in negotiations to ensure your interests are fully protected.
Seasonal insurance is designed to cover your motorcycle only during the riding season, typically from spring to fall. Year-round insurance provides continuous coverage, including protection against theft or fire during winter storage.
Yes, it is possible to insure a modified motorcycle, but certain modifications may affect your premium or require a special evaluation. Our brokers can advise you on how to properly declare each modification.
Absolutely. Premiums can vary depending on your location, particularly due to theft or accident statistics in the area. It is important to discuss this with an expert to understand the impact on your rate.
Increase Your Deductible
By opting for a higher deductible, you can lower your annual premium.
Eliminate Non-Essential Coverage
Remove protections that are not necessary for your situation to avoid paying for unneeded coverage.
Install a Security Device
A certified alarm or immobilizer can reduce theft risk, which may lower your premium.
Maintain a Good Driving Record
Fewer infractions mean less risk for the insurer, which can result in a better rate.
Join a Recognized Motorcycle Club
Some insurers offer discounts to members of recognized clubs, considered more responsible riders.
Maintain a Good Credit Score
A strong credit history is often linked to better risk management, which can positively influence your premium.