In Quebec, civil liability insurance is mandatory with a minimum of $50,000. However, most brokers recommend coverage of at least $2,000,000 for adequate protection. The SAAQ covers bodily injuries, while material damages are covered by private insurers.

The system is mixed: the SAAQ (Société de l’assurance automobile du Québec) covers bodily injuries for all drivers, regardless of fault. Material damages (to your vehicle or someone else’s) are covered by private insurers. You must take out at minimum a civil liability policy with a private insurer.

Several factors determine your premium: your age and driving experience, your driving record (accidents, infractions), the type and value of your vehicle, where you live in Quebec, your annual mileage, the protections chosen and the amount of your deductible.

Compare offers through a partner broker, bundle your auto and home insurance, increase your deductible, maintain a clean driving record, ask about available discounts (telematics, anti-theft, low mileage, student, retiree), and choose a vehicle that’s economical to insure.

Comprehensive insurance covers damage to your vehicle caused by virtually any event: collision, theft, vandalism, storm, hail, fire, contact with an animal, etc. It’s the most complete coverage but also the most expensive. It is particularly recommended for new or recent vehicles.

In Quebec, a claim generally stays on your insurance record for 6 years. At-fault accidents have a greater impact on your premium than non-fault accidents. After 6 years without a claim, you usually benefit from a claims-free status with discounts.

No, home insurance is not legally mandatory for homeowners in Quebec. However, if you have a mortgage, your lender will require it. For tenants, it is strongly recommended and often required in the lease. It protects your personal belongings and your civil liability.

Homeowner insurance covers the structure of the building, personal belongings and civil liability. Tenant insurance covers only personal belongings and civil liability, since the building is the owner’s responsibility. Tenant insurance is generally much more affordable ($20 to $40 per month).

Water damage caused by a pipe burst or sewer backup is generally covered with the appropriate endorsement. Flooding from rising waters (overflow) requires a specific additional endorsement. Water damage is the leading cause of claims in Quebec — consult your broker to verify your coverage.

Replacement cost value means your damaged property will be replaced with equivalent new items, with no deduction for depreciation. It’s the recommended option for the structure of the building in Quebec, since the cost of rebuilding has increased considerably in recent years.

The main coverages include: commercial general liability insurance, property insurance (building, equipment, inventory), business interruption insurance, professional liability insurance (errors and omissions), cyber-risk insurance, and commercial vehicle insurance. A broker can analyze your specific needs.

Although it is not always legally mandatory, civil liability insurance is essential for any business in Quebec. It protects you if a client, supplier or third party suffers damages related to your activities. Some commercial contracts and professional orders require it.

Yes, just like for auto, civil liability insurance is mandatory to ride a motorcycle in Quebec. The SAAQ covers bodily injuries, but you must take out private insurance for material damages. Collision and comprehensive protections are optional but recommended.

If you have comprehensive or theft coverage, your motorcycle is generally protected even when stored during winter. Some insurers offer reduced rates for the storage period. Check with your broker to confirm your winter coverage in Quebec.

Boat insurance is not legally mandatory in Quebec, but it is strongly recommended. It covers damage to your vessel, accessories, civil liability in case of injury to a third party, and salvage costs. Some marinas require proof of insurance before granting you a docking space.

Yes, civil liability insurance is mandatory for snowmobiles in Quebec. You must hold a minimum of $500,000 in civil liability coverage to ride on the trails. Collision and comprehensive insurance is optional but recommended, especially for recent machines.

Yes, just like snowmobiles, ATVs riding on trails or public roads in Quebec must be covered by civil liability insurance of at least $500,000. A broker can help you find comprehensive coverage at a good price, including protection against theft and accidental damage.

RV insurance works like auto insurance: civil liability is mandatory. Depending on the type of RV (class A, B or C, trailer, fifth-wheel), coverages vary. Most insurers suggest it is prudent to add protection for personal belongings inside the RV, coverage for awnings and accessories, and roadside assistance. A specialized broker can compare offers for you.

An insurance broker is an independent professional certified by the (applicable regulator) who shops around for you among several insurers. Unlike an agent who represents a single company, the broker works for you. They compare offers, negotiate rates and support you in case of a claim. Their service is free.

The broker is independent and represents the client — they compare several insurers. The agent represents a single insurance company and can only offer its products. In Quebec, both must be certified, but only the broker has the obligation and the ability to shop around for you among multiple insurers.

Fill out the quick quote form on AccesDirect.com. A partner broker will analyze your needs and compare offers from several insurers in Quebec. The service is entirely free and with no obligation. You can also call us directly to speak with a broker.

No. The broker is paid by insurance companies through commission. The price you pay for your insurance is the same whether you go through a broker or directly through the insurer. In fact, the broker can often save you money by comparing several offers and identifying discounts.

The (applicable regulator) is the Quebec government body that oversees the insurance and financial services sector. Every insurance broker and agent must be registered in the brokers’ registry to practice legally. Verifying your broker’s registration with the regulator protects you against fraud and ensures you receive professional service.

The deductible is the amount you pay out of pocket before your insurer covers the rest of the damages. For example, with a $500 deductible, if repairs cost $3,000, you pay $500 and the insurer covers $2,500. A higher deductible reduces your premium but increases your expense in case of a claim.

Yes, you can cancel your insurance policy at any time in Quebec. Cancellation fees may apply depending on your insurer, and a prorated refund of the unused premium will generally be paid to you. Always make sure you have a new policy in force before cancelling the old one.

If you have a dispute with your insurer or broker, first contact the company’s complaints handling service. If the problem persists, you can file a complaint with the (applicable regulator), which offers a free mediation process. The regulator’s Information Centre can be reached at.

In the event of a claim: 1) Ensure the safety of everyone present, 2) Call emergency services if necessary, 3) Document the damage with photos, 4) Contact your broker or insurer as soon as possible (ideally within 5 to 7 days), 5) Do not throw anything away before the adjuster’s visit, 6) Keep the receipts for your emergency expenses. Your AccesDirect broker supports you at every step.