If you own a car, you must have car insurance — it’s the law. We offer a wide range of products that can be adapted to your specific needs. What’s more, if ever you need to file a claim, our agents will act on your behalf until you’re fully satisfied. We also offer the best coverage for non-standard vehicles (ATVs, recreational boats, etc.).
Our firm has been providing families with peace of mind since 1936. Along with our expertise, we also represent the largest network of insurers. That’s why we can offer you the best coverage and best service at the best price!
- Why take out insurance
The Automobile Insurance Act of Québec makes a clear distinction between the rules for victims of bodily injury and those for victims of property damage.
Under Québec’s no-fault system, lawsuits are not permitted in the event of motor vehicle accidents that cause bodily injury, regardless of which party is to blame. Victims are compensated through the provincial auto insurance, the Société d’assurance automobile du Québec.
The Automobile Insurance Act of Québec stipulates that all motor vehicle owners must have liability insurance.
If you drive a vehicle and are uninsured, you risk receiving a hefty fine of up to $2,800. What’s more, if you are uninsured and are responsible for causing an accident, you may have to pay for the damages sustained by others.
- Types of coverage
Third Party Liability coverage
This section covers you if you cause bodily and material damages (outside Quebec) to others. Under the direct compensation agreement, this guarantee covers you for damage to your vehicle when you are not responsible for the accident.
All Perils coverage
This section covers the vehicle by combining collision or upset coverage and accidents without collision or upset. The deductible will therefore be the same for any damages incurred. This coverage is optional. However, if your vehicle is leased or purchased with financing, this coverage may be required.
Collision or upset coverage
This section covers you against material damages to your vehicle when you hit or are hit by an object or if the said vehicle tips over. This coverage is also optional. However, if your vehicle is leased or purchased with financing, this coverage may be required
Comprehensive excluding collision or upset coverage
This section covers you against damages to your vehicle other than collision or upset damage, 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 usually taken in combination with collision if the vehicle still has a significant value.
Specified perils coverage
Also optional, this section covers only the perils specified in the contract, such as hail, lightning, etc.
We can also provide you with additional coverage in the form of endorsements. To learn more about this additional coverage, see the section entitled "Additional coverage (endorsements)".
- Additional coverages (endorsements)
Additional coverage can protect your investment when buying a new or used vehicle.
Change to Loss Payment Endorsement
This endorsement protects your new vehicle for the period specified in your contract. In the event of theft or total loss, the vehicle will be replaced if non-repairable by a new one with the same features. If the vehicle can be repaired without a problem, this coverage allows you to replace the non-repairable parts with genuine new parts.
Replacement insurance coverage
The replacement guarantee sold by dealers was replaced by replacement insurance. Endorsement 43 – Change to loss payment remains in force. If you’re thinking of getting replacement cost coverage for your vehicle, there are two products you can choose from.
As this is an insurance product, the insurance broker is a certified and qualified expert to advise you on insurance coverage for your vehicle.
Loss of Use Extension Endorsement
If you are involved in an accident and you are deprived of your vehicle, your auto policy may cover your car rental, taxi or public transportation expenses until you take possession of your vehicle.
Civil Liability For Damage To Non-Owned Automobiles Endorsement INCLUDING automobiles provided by and employer
If you use a rented or borrowed vehicle, whether it be a car, motor home or trailer, your civil liability may be engaged and your auto insurer can cover you for damages you cause to this vehicle.
Accident Benefits (FAQ 34) provides coverage for death, mutilation and medical expenses to you, your spouse and any dependent children for bodily injuries sustained following an automobile accident, at minimal cost to the owner of the vehicle.
Other useful coverages
Several other optional kinds of coverage are available. Whether you are travelling or putting your vehicle in storage, feel free to contact us and we will make sure your auto insurance policy is suited to your needs.
- Save on your car insurance
Your credit rating can influence the cost of your premium, which is generally based on the risk of submitting a claim. Studies show that low credit scores raise the likelihood of incurring losses and making claims. The reverse is also true. Your financial discipline reflects your ability to maintain your property.
Your credit history reflects your payment record as well as your financial discipline. Have you always paid your bills on time? Such information is a reliable indicator of your ability to maintain and repair your property. These two factors are crucial to preventing material losses and, consequently, claims submissions.
Does low income automatically mean a bad credit rating? Not at all. Indeed, the two should never be confused. A person with a lower income may have an exemplary credit rating, just as a wealthier person may have a bad credit rating. Call us or fill out this form to request a free brochure all about your credit and insurance.
Below are other factors that could affect the cost of your premium:
- Coverage and deductibles selected
- The mark, year and model of your car
- Where you live
- Vehicle use, routes taken and annual mileage
- Number/ages of other drivers who use your vehicle
- Previous claims and traffic violations
- Driver experience (all drivers of your vehicle)
- Your occupation
- Prior criminal records
Want to reduce your premium? Here are some tips:
- If you own more than one vehicle, insure them with the same insurer
- Use the same firm for both your auto and home insurance
- Sign up for a two-year contract, if possible
- Drop certain coverages if you drive an older car
- Increases your deductibles
- Maintain a good driving record
- Install an approved anti-theft device in your car
- Buy an economy or hybrid car
- Have new drivers undergo driver's training
- Maintain a good credit rating
- Car insurance claim
If you are involved in a car accident and need to make a car insurance claim, read the following tips. If the accident involves injuries, call 911. If there are no injuries involved, you and the other party can fill out a joint accident report. Responsibility for the accident is never determined by the police; this is for your insurer to determine when the claim is settled. If you do not have an accident report form on hand, take down the other driver’s coordinates (name, address, phone number, driver’s license number, registration certificate and insurance certificate). Your insurer will compensate you within 60 days of receiving your application and supporting documents.
In the event of vehicle theft or a hit-and-run, call the police, who will issue you a report number. You must provide us with this number as soon as possible. We will tell you what to do, forward your claim to your insurer as soon as possible, and see to prompt and fair settlement. We will also assess your entitlement to a rental vehicle if yours has been damaged, and support and represent you throughout negotiations with the insurer.
- Having trouble getting insurance?
Your insurer can limit or refuse to renew your auto insurance coverage for one or more of the following reasons:
- Claim frequency
- Precarious financial situation, particularly a bankruptcy discharge
- Interrupted insurance contract
- Employment-related reasons
- Long-term lease of a used vehicle
- Driver's license suspension
- Vehicle equipped with a breathalyser
- Bar owner or employee (cocktail lounge, brewery, nightclub, discotheque, etc.)
We understand your situation and we may have solutions for you. We will work with our specialized insurers to help you clear your insurance record or adjust your contract in proportion to the risk your situation represents.
You can count on your broker to provide the expertise you need.
Your Credit Rating and Insurance
Maintaining a good credit rating is an excellent way to reduce your insurance premiums. Keep in mind that income is no indication of credit rating status. A person with a low income can have an excellent credit rating, while a wealthier person can have a bad one.
Insurance companies tend to see a good credit rating as an indication that you are able to take better care of your property. As such, you represent a lower risk, which results in a reduced insurance premium.