Necessary, but we keep it simple
Save $520 on average when you bundle your insurance with us!1
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Yep, you need car insurance to drive. But beyond the mandatory civil liability for everyone—from learners to seasoned drivers—you can choose the coverage that works for you!
With solid coverage, a slew of options and plenty of added perks, finding your perfect fit is easy.
Car in the shop for a few days? Get a free replacement vehicle!
If your car needs repair after a loss or accident and you took out Collision and Upset coverage, we will loan you a vehicle at no extra cost.
If your vehicle is a total loss or you are the victim of a hit-and-run2, you won't have to pay the deductible.
Get 15% off
when you insure an electric or hybrid car
Roadside assistance for only $2/month
when you bundle your car and home insurance
Enjoy discounts and rewards from day one.
For families, young adults and civil servants.
Car insurance that goes the distance
Like our popular and comprehensive two-way coverage.
This insurance is mandatory to drive. It provides coverage if you cause damage to third parties or if your car is damaged in an accident where you are not at fault.
Coverage for 1 or 2 million?
One million is the general recommendation. If you plan on driving outside Quebec, then it’s best to take out $2 million, especially in the United States, where personal injury lawsuits can cost a pretty penny, for instance.
Adding this coverage is what we call two-way insurance. It covers damages to your vehicle in the following situations:
- A collision for which you are at fault or when you are the victim of a hit-and-run
- Fire, theft, vandalism or glass breakage
- In all these situations (comprehensive coverage)
Good to know: Some of these options may be required if you get financing for your car.
If you rent a vehicle for a short period or borrow one, such as a car larger than yours for a vacation, this coverage automatically covers you if you are responsible for damage to the vehicle.
Good to know: It avoids you paying additional car insurance costs to the vehicle rental company.
Should an accident deprive you of your car for several days, this option could cover the rental cost of a replacement car, public transportation fees or taxi expenses. If you’re far from home, additional accommodation expenses could also be covered.
Replacement Value coverage
Get reimbursed regardless of your car's
Partial loss? We replace the parts that can’t be repaired with new ones.
Total loss? Get a new car with the same features as those of the insured car.
Claim Forgiveness coverage
Avoid premium increases resulting from one or two car insurance claims, even for accidents where you are at fault or the victim of fire, theft or vandalism.
Purchase price option for used cars
In the event of a total loss, you are reimbursed the equivalent of the price you paid. This option protects against the depreciation of your
$0 deductible option
With this coverage, you don’t pay a deductible in the event of a claim—a clever way to stay ahead of unexcepted expenses.
For $2 a month, get 24/7 roadside assistance anywhere in Canada and the US, as well as other support services.
Close-up of the fine print
Out with the same old song. Understanding your contract pays off.
Yep! You can lend your car to anyone who has a valid driver's license. If this person has an accident while driving your car, you will receive compensation based on the coverage provided under your car insurance contract. Someone frequently drives your car? Contact your insurer to make sure you’re properly covered!
Depreciation is the difference between the purchase price of a vehicle and its resale value. Depreciation occurs when the vehicle’s market value goes down and varies based on the model, features, mileage and maintenance.
Good to know: A new car loses approximately half its value during the first three years after it leaves the dealership. As years go by, depreciation is less significant.
Your car insurance premium is calculated based on your information on file, such as:
- Where you live
- Use of the vehicle
- The type of vehicle
- Your credit rating
- Your recent history of claims or accidents
Other factors come into play when calculating your car insurance premium, such as the price of parts and labour, or an increase or decrease in the number of car insurance claims in the province.