Three GAA services to promote access to auto insurance
One of the missions of Groupement des assureurs automobiles is to guarantee access to auto insurance, including making sure that vehicle owners comply with the Automobile Insurance Act, which requires a minimum of $50,000 in civil liability coverage (for a private passenger vehicle). Here are some of the mechanisms Groupement des assureurs automobiles uses to fulfill its role and, where possible, to promote purchasing more comprehensive coverage.
1) Help from the insurance Information Centre
Individuals and businesses who are having difficulties finding auto insurance can contact the Insurance Information Centre. The information agents will act quickly to ensure that every driver has the minimum civil liability insurance required by provincial law. In all other cases, agents will try to obtain more comprehensive coverage that meets the requester’s needs.
It is worth mentioning that requests for access to the service have been dropping over the past two years; after peaking in 2023, requests decreased in 2025 by nearly 16% for individuals, and 26% for businesses. Throughout this period, the processed cases were both for individuals and businesses, demonstrating the difficulties affecting each sector and the challenges in being able to subscribe to the required protections.
2) auto insurance access mechanism for businesses
In 2023, reported difficulties led GAA to implement a new auto insurance access mechanism for businesses strated as a pilot project over cases where business needs exceeded the minimum insurance required by law and the assesment on how to best meet those needs.
3) Risk Sharing Plan (RSP)
Some drivers present a greater risk for insurers who may transfer them to the Risk Sharing Plan. Through this Plan, these high-risk drivers become insured by all insurance companies, a solution that promotes access to insurance for all.
In 2023 and 2024, the risks transferred to RSP have reached new heights by 69% and 44%, respectively, for individuals. Conversely, for businesses, the trend has been downward since 2022, with a 19% decrease in 2025.
Questions about the access mechanism?
Insurance Information Centre agents are available to answer your questions on the subject. And don’t hesitate to refer your clients to the Centre.
Montreal area: 514-288-4321
Elsewhere in Québec: 1-877-288-4321
