Desjardins Motorcycle Insurance: Why Choose This Insurer?

A motorcyclist knows the value of good motorcycle insurance. Desjardins Motorcycle Insurance can be your best choice to protect you and your motorcycle from any unexpected situation.

Let’s explore, in detail, all the coverages and options that Desjardins offers; stay informed and wisely choose what suits your needs after going through this information.

Mandatory Coverages

The first thing to understand about Desjardins Motorcycle Insurance is the mandatory coverages. These are coverages you must have to comply with the law and ensure basic protection in case of accidents.

Civil Liability

Civil liability coverage is essential and mandatory. It covers material damages and bodily injuries caused to third parties in an accident where you are at fault.

In Quebec, this coverage can also include damages to your motorcycle caused by a third party at fault, provided the minimum coverage amount is $1 million, with the option to increase to $2 million for greater peace of mind, especially if you travel outside the province.

Common Optional Coverages

In addition to mandatory coverages, Desjardins Motorcycle Insurance offers several optional coverages that can be added to enhance the protection of your motorcycle.

These coverages can be especially useful depending on your lifestyle and the conditions under which you use your motorcycle.

Collision and Upset

This optional coverage protects your motorcycle in the event of a collision with another vehicle or object, as well as rollovers. It is particularly useful if you frequently ride in busy areas or on roads with a higher risk of accidents.

All Perils Except Collision

Another common optional coverage is one that protects against all perils except collisions. This includes damages caused by fire, theft, vandalism, flying or falling objects, weather events, and collisions with animals. This coverage is essential for those who leave their motorcycles parked in areas where these risks are elevated.

Value Added Options

For those who want to further protect the value of their motorcycle, Desjardins Motorcycle Insurance offers value-added options. These coverages are designed to ensure you do not lose the value of your motorcycle in case of total or partial loss.

Value Plus Option

The Value Plus Option maintains the value of your motorcycle for up to five years. If your motorcycle is declared a total loss, you will receive the amount you paid for the motorcycle, adjusted annually. In case of partial loss, repair costs will be covered, and the motorcycle will be restored to its original value without depreciation.

Travel Costs

If you enjoy traveling by motorcycle, the travel cost coverage offered by Desjardins Motorcycle Insurance can be very advantageous. It reimburses transportation, food, and lodging expenses if your motorcycle suffers damage while you are traveling.

Transportation and Accommodation Reimbursement

This coverage includes reimbursement of up to $1,500 for alternative transportation, such as taxis or car rentals, after a covered accident. Additionally, you can receive up to $750 to cover food and lodging expenses if the accident occurs while you are traveling in Canada or the United States.

Available Discounts

Desjardins offers several discounts to help reduce the cost of motorcycle insurance. These discounts can be a great way to save money while still maintaining comprehensive coverage.

Multiple Vehicle Discount

One of the most attractive discounts is the multiple vehicle discount. If you insure more than one vehicle with Desjardins, such as a car and a motorcycle, you can receive a discount of up to 10% on your motorcycle insurance premium. This is a significant incentive to consolidate all your insurance with the same company.

Factors that Determine the Cost of Insurance

The cost of motorcycle insurance can vary depending on several factors. Knowing these factors can help you better understand your quote and find ways to reduce your premium.

Make, Model, and Year of the Motorcycle

The make, model, and year of your motorcycle are important factors that influence the cost of insurance. Newer motorcycles or those of specific makes and models can have higher premiums due to the cost of replacement or repair.

Place of Residence

Where you live also affects the cost of insurance. Urban areas with higher traffic and accident risk generally have higher premiums than rural areas.

Driving History

Your driving history is another crucial factor. A clean record with few or no accidents or traffic violations can result in lower premiums. Conversely, a history with multiple violations or accidents can significantly increase the cost of insurance.