AccesDirect: Your Online Insurance Comparison Tool in Quebec
For over a decade, AccesDirect.com has been helping Quebecers find the best insurance at the best price. An independent broker certified by the authorities, AccesDirect is not an insurer — it’s your ally, the one who shops around for you among several insurance companies and presents you with the best options.
In this article, we explain in detail who we are, how our service works, why using an independent broker is almost always the best financial decision, and what types of insurance we can help you shop for.
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Get my free quote →Who is AccesDirect? History and mission
AccesDirect was founded with a clear mission: give Quebecers access to real online insurance comparisons, without having to call six different insurers, without sales pressure, and without paying more than necessary.
At the time AccesDirect launched, the majority of Quebecers got their insurance either through their bank or by calling an insurer directly. The problem? By contacting only one insurer, you only get one price — that insurer’s price. No real comparison. No negotiating leverage.
AccesDirect changed that. As an independent broker, we are not tied to a single company. We work with a network of insurers — Intact, Promutuel, Pafco, and others — and we present you with the most advantageous options based on your profile.
Our commitment to Quebecers
Over the years, AccesDirect has developed a solid reputation based on three fundamental pillars:
- Transparency — No hidden fees, no hidden commissions. You know exactly what you’re buying.
- Independence — No insurer pays us to steer you toward them. We work for you, not for insurers.
- Local expertise — Our advisors know the Quebec insurance market, its legal particularities and its specific products.
Independent broker vs direct insurer: why is it so different?
The confusion is common: many Quebecers don’t really know the difference between calling an insurance company directly and going through a broker. Here’s the fundamental distinction:
The direct insurer
When you call Intact, Desjardins or SSQ directly, you speak to a representative of that insurer. They’re excellent at explaining their company’s products, but they can only offer you one quote — their employer’s quote. They have no reason to tell you if a competitor offers better coverage for less.
The independent broker (like AccesDirect)
An independent broker is a certified intermediary who represents the client’s interests — not those of any particular insurer. They have access to products from multiple companies and can compare prices, coverage and exclusions to find you the best combination.
Concretely, using AccesDirect is like having a professional buyer on your side: someone who knows the market, knows what to negotiate and seeks the best deal for you — without you having to spend hours on the phone.
Does it cost more to use a broker?
No. The broker is compensated by insurers in the form of a commission, included in the premium price. You don’t pay additional fees to access a broker’s service. And in the vast majority of cases, you get a better price than going directly to the insurer, because you benefit from competitive bidding.
To learn more on this topic, visit our page on the benefits of working with a broker.
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Compare prices now →AccesDirect’s partner insurers
AccesDirect works with a network of recognized insurers in Quebec. This access to multiple markets is precisely what allows us to offer you competitive prices. Among our partner insurers:
- Intact Insurance — Canada’s largest property and casualty insurer, known for auto and home insurance products
- Promutuel Insurance — Quebec mutual with a strong regional presence
- Pafco — Specialist in non-standard risks (high-risk drivers, difficult-to-insure properties)
- And several other insurers depending on product type and region
This diversity of insurers means that even if you have a complicated file — past claims, modified vehicle, atypical property — AccesDirect can often find a solution where direct insurers refuse. Check out our page on our partner insurers for the complete list.
Types of insurance available at AccesDirect
AccesDirect covers all insurance needs of individuals and small businesses in Quebec. Here are the main categories:
Auto insurance
Auto insurance is the most requested product in Quebec. With AccesDirect, you compare liability, collision and comprehensive coverage from multiple insurers. Whether you drive a compact car, a truck or a luxury vehicle, we find the right coverage.
Typical prices in Quebec: CA$800 to CA$2,500 per year depending on the driver’s profile and vehicle.
Home insurance
Whether you’re a homeowner or renter, home insurance protects your residence and belongings. AccesDirect compares fire, water damage, theft and liability coverage to find you the best policy.
Motorcycle insurance
Motorcycle insurance is a niche market with important particularities in Quebec. AccesDirect works with specialized insurers to offer coverage tailored to motorcyclists — from small-displacement bikes to large touring bikes.
RV and recreational vehicle insurance
Motorhomes, travel trailers, personal watercraft, snowmobiles, ATVs — recreational vehicles have specific insurance needs depending on seasonal use and particular risks. AccesDirect offers products tailored to each type of recreational vehicle.
Business insurance
SMEs and self-employed Quebecers have access through AccesDirect to business insurance products: professional and commercial liability, business property insurance, commercial vehicles, cyber-risks.
Life and health insurance
AccesDirect also offers support for individual life insurance, disability insurance and supplemental health protection — an essential safety net for families and self-employed workers.
How AccesDirect service works, step by step
Many people hesitate to use a broker because they think the process is complicated or lengthy. In reality, AccesDirect has simplified every step:
- You fill out an online form — Simple and quick, in less than 5 minutes for auto or home insurance.
- A partner broker analyzes your request — They ensure all information is correct and complete.
- Multiple insurers are consulted — Your profile is submitted to our network of partner insurers.
- You receive the best options — By email or phone, according to your preference.
- You choose freely — No pressure. You make the decision that works for you.
- We handle the setup — The broker manages all documents and coverage confirmation.
What our customers say about AccesDirect
Here are some representative testimonials from the experience of our customers:
« I had auto insurance with the same insurer for 8 years. AccesDirect found me equivalent coverage for CA$340 less per year. I should have done it much earlier! »
— Marie-Ève T., Longueuil
« I had a claim 3 years ago and no one would insure me at a reasonable price. AccesDirect found a solution thanks to their access to specialized insurers. »
— Mathieu D., Quebec City
« Very professional and quick. I got my quote in less than 24 hours and the advisor explained the differences between the options well. I recommend it. »
— Sabrina L., Montreal
« As a self-employed worker, I needed professional liability insurance. AccesDirect was able to navigate this niche market and found exactly what I needed. »
— François B., Sherbrooke
AccesDirect guarantees
By choosing AccesDirect as your partner brokers, you benefit from concrete guarantees:
- Certification — All our partner brokers are certified and registered with the relevant authorities
- Fee-free service — No brokerage fees, no file fees
- Confidentiality — Your information is never sold to third parties
- After-sales support — In case of a claim, your partner brokers guides you through the claims process
- Annual review — Your partner brokers can review your file each year to ensure you always have the best price
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I want my quote →Why trust AccesDirect over automatic comparison tools?
In the age of digital tools, several platforms offer automated insurance comparisons. The difference with AccesDirect is fundamental:
The human behind every file
An automated comparison tool doesn’t understand the nuances of your situation. It doesn’t know that the slight modification you made to your car can affect your coverage. It can’t advise you to declare occasional use rather than regular use if that’s your reality. A human and certified broker can.
Claims management
The real value of a broker is revealed at the time of a claim. Your AccesDirect broker guides you through the claims process, ensures you get the reimbursement you’re entitled to, and can intervene if necessary in case of disagreement with the insurer.
To learn more about our approach, visit our insurance broker page.
FAQ — AccesDirect and online insurance brokers
Is AccesDirect a real certified broker or just a simple web comparison tool?
AccesDirect is a property and casualty insurance broker certified and registered with Quebec’s financial regulatory authority. It’s not a simple automatic comparison tool — real certified advisors analyze your file and accompany you.
Can I trust an online broker?
Yes, provided the broker is certified. AccesDirect operates in full compliance with Quebec regulations on the distribution of financial products and services.
How long does a quote take at AccesDirect?
The online form takes approximately 5 minutes to fill out. You generally receive a response within 24 business hours, often faster. For some simple products, the quote can be instant.
Can I change insurers during the year?
Yes. A broker can help you cancel your current policy and transfer your coverage to a new insurer. Cancellation fees may apply according to your current contract, but the savings realized often offset these fees.
What happens in case of a claim? Does AccesDirect help me?
Yes. This is one of the great advantages of having a broker. In the event of a claim, your AccesDirect broker guides you in the declaration, ensures your file is handled correctly and can intervene if there is a dispute with the insurer.
Can AccesDirect help me if I’ve had claims or a bad file?
Yes. That’s even where the value of a broker like AccesDirect is greatest. Thanks to access to specialized insurers like Pafco, we can often find coverage where standard insurers refuse.
Does AccesDirect serve all regions of Quebec?
Yes. AccesDirect offers its services throughout Quebec, including remote regions where it can be difficult to find a local broker.
Is my personal information protected?
Absolutely. AccesDirect respects Quebec’s Law 25 on the protection of personal information and the federal Personal Information Protection and Electronic Documents Act (PIPEDA). Your data is never sold to third parties.
Can I bundle my auto and home insurance with AccesDirect?
Yes, and it’s often advantageous! Bundling policies allows you to get multi-product discounts from most insurers — typically 10 to 20% on each policy. AccesDirect can optimize your bundling to maximize your savings.
Does AccesDirect offer life insurance?
Yes. In addition to property and casualty insurance (auto, home, business), AccesDirect can assist you with your life, disability and critical illness insurance needs.
How is AccesDirect compensated?
AccesDirect is compensated by a commission paid by insurers, included in your premium price. You don’t pay additional fees to access the brokerage service. This commission is disclosed upon request, in accordance with regulatory obligations.
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