Motorcycle Insurance for Young Drivers: 3 Things to Remember
Article revised on 1 March 2021
Did you always dream of riding a motorcycle and now it’s become a reality? Before taking courses to learn how to ride your motorcycle, or someone else’s, here’s what you need to know about motorcycle insurance for young drivers so your passion for motorcycles doesn’t become a source of concern for you and your loved ones!
Four things you must do before riding a motorcycle in Quebec
Riding a motorcycle is completely different from driving a car! Getting adjusted to the driving position, having no passenger seat and the smaller size of the motor vehicle are just a few factors that make it necessary for the new driver to gain the knowledge and skills and adopt the behaviour required to ride a motorcycle safely.
That’s why you need to pass several mandatory steps before you can take to the streets alone on your motorcycle. In short, you must:
- Pass a knowledge test
By passing this test, you’ll earn a learner’s or probationary licence before you can take a motorcycle course and move on to the Société d’assurance automobile du Québec (SAAQ) exam.
- Take and pass a driving course
This course includes a theoretical component, two practical components and a closed track road test. After this stage, you will receive your learner’s or probationary licence so you can take to the streets accompanied by a more experienced driver.
- Operating a motorcycle under the supervision of an accompanying rider
Once you get out on the road and perfect your skills for 11 months, you can ride a motorcycle solo! If you don’t already have a Class 5 licence (automobile), you must first hold a probationary licence for 24 months before you get your actual motorcycle licence.
- Holding the necessary insurance coverage
Of course, it takes more than a driver’s licence to take to the road with peace of mind… you also have to be adequately insured! Here’s what you need to know about motorcycle insurance
Motorcycle Insurance: 3 things you need to know!
- The SAAQ offers you automatic coverage if you sustain injuries
Just like automobile drivers, motorcycle drivers are covered by the SAAQ in the event of injury in a traffic accident, whether they are at fault or not.
- You must purchase civil liability insurance
The law requires all motorcycle owners to hold a civil liability insurance worth at least $50,000 with their insurer. Civil liability insurance covers bodily injury or property damage caused to third parties if you are held liable for a traffic accident. Without it, you are at risk of being sued and can be on the hook for significant expenses.Are you driving a relative’s or friend’s motorcycle? Even if you only borrow their bike on occasion or use it to gain experience when you hold a learner’s licence, they must inform their insurer, who will likely adjust their premium rates. This way, they are sure to be covered in the event of an incident while you are driving the motorcycle.
- You can add additional coverage for your motorcycle
Purchasing a bike is a significant investment, one you will undoubtedly want to protect adequately. Since the SAAQ does not provide coverage for theft, vandalism or property damage caused to the vehicle in the event of a road accident, we recommend that you take out a more complete insurance coverage. Otherwise, you will have to assume all your vehicle’s repair or replacement expenses in the event of total loss or theft.
The primary coverages offered are:
- Collision or upset protection, which covers damage caused to your motorcycle by a collision for which you are at fault or when you are the victim of a hit-and-run.
- Coverage against perils other than collision or upset, which provides compensation in the event of damage such as fire, theft, vandalism and glass breakage.
- Specified perils, a less costly coverage, but also less extensive and does not include vandalism and glass breakage.
- Total loss – Waiver of depreciation, an interesting option if you have a new vehicle. Better known as “Replacement Value” coverage, in the event of a total loss, you obtain the equivalent of the replacement cost value of a new vehicle with the same features as those of the insured vehicle.
Also keep in mind that not all insurers offer the exact same insurance coverages. For example, certain insurers, such as La Capitale, include free roadside assistance with their coverages. As you can see, it’s worth your while to get a few extra quotes before settling on an insurance company!
For advice on how to navigate through the various options and choose the level of coverage tailored to your needs, ask your insurance representative! He or she will guide you through these choices and protect you from financial losses while also ensuring you get the help you need in the event of a problem!
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