• At a glance
  • Auto insurance in Quebec
  • Home

All about auto
insurance in Quebec

Own a car?
Here’s what you need to know.

QUEBEC’S AUTO INSURANCE PLAN

A Mixed Public-Private Plan

Private insurers cover your civil liability and damage to your vehicle for your travel in Canada and the U.S.

The public plan, administered by Société de l’assurance automobile du Québec (SAAQ), covers you all over the world if you’re injured.

3 STEPS TO ENSURE

1

MANDATORY: Civil Liability Coverage

Own a car? In Quebec, you must have civil liability coverage of at least $50,000. This is Section A of your policy. Most often, individuals choose coverage for $1 million or $2 million.

Section A Coverage
  • Material damage to your vehicle, following a collision in Quebec, for which you aren’t at fault.
  • Material damage and bodily injury, following a collision outside Quebec.
  • Damage caused unintentionally to a third party for which you’re held responsible.
2

RECOMMENDED: Coverage for Material Damage to Your Vehicle Following a Collision, Theft, Vandalism, etc.

If you want, you can choose between different types of coverage. This is Section B of your policy.

Section B Coverage?
  • Collision, if you’re at fault.
  • Vandalism, theft, attempted theft, fire.
  • Wind, hail, flood, etc.

Your insurance agent or broker can advise you. If you took out a car loan, you very likely need coverage for all.

4 STEPS IN CASE OF ACCIDENT

1

AT THE TIME OF THE COLLISION

Collision with injuries or hit-and-run? Call the police.

Fender bender? Just complete a Joint Report. Don’t have one? Then exchange your complete information with the other driver (name, phone number, driver’s licence number, proof of insurance).

3

DAMAGE APPRAISAL

Your insurer will assess the cost of repairs, which lets you know whether your car can be repaired, or if it has to be declared a total loss.

4

REPAIRS

You can use the repair shop of your choice, or the one recommended by your insurer. New parts or recycled parts? That depends on your coverage.

YOUR CLAIMS FILE

The Fichier central des sinistres automobiles (FCSA) is a database that your insurer consults to track your claims history for the past six years (accident, theft, vandalism, etc.). This information is also used to establish your auto insurance premium.

Consult or Correct your Claims File: You can do it for free if you believe there is a mistake.

Go to your Claims history statement

Copyright © Groupement des assureurs automobiles, 2003-2021