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.