Get a free quote in 2 minutes
Our AMF-certified brokers shop for you with multiple insurers across Quebec.
Our Partner Insurers in Quebec
AccesDirect works with 7 leading insurance companies in Quebec. As an independent broker, we have no obligation of favoritism toward any particular insurer — our sole objective is to find you the best coverage at the best price. Here are the insurers we compare quotes with for you.
1. Intact Insurance
Specialty: Auto, home, business, recreational vehicles
Presence: Canada’s largest property and casualty insurer
Intact Insurance is number one in Canada for property and casualty insurance. With a 24/7 claims service network and a wide range of products, Intact is a top choice for auto and home insurance in Quebec. Intact also offers special programs such as the Intact Network vehicle repair program.
→ Learn more about Intact Insurance
2. Aviva Insurance
Specialty: Auto, home, business, travel
Presence: Quebec subsidiary of a global group (London)
Aviva is one of the world’s largest insurance companies, with a strong presence in Quebec. It is recognized for competitive home insurance rates and the flexibility of its products. Aviva also offers options tailored to condo owners and renters.
→ Learn more about Aviva Insurance
3. Promutuel Insurance
Specialty: Home, farm, agricultural business, regional auto
Presence: Quebec mutual founded in 1852, strong in regions
Promutuel is a 100% Quebec mutual company with roots dating back to 1852. It is particularly recognized for its expertise in regional home insurance, agricultural insurance, and coverage for farm owners. Its cooperative values and local anchoring make it a preferred choice outside major urban centers.
→ Learn more about Promutuel Insurance
4. L’Unique Insurance
Specialty: Home, auto, personal and commercial property
Presence: Quebec insurer founded in 1879
L’Unique is one of the oldest and most respected insurers in Quebec. With deep local roots, L’Unique offers home and auto insurance products tailored to Quebec realities. The company is recognized for the quality of its customer service and for its thorough knowledge of the provincial market.
→ Learn more about L’Unique Insurance
5. Echelon Insurance
Specialty: Non-standard market, high-risk drivers, atypical home
Presence: Canadian specialist in difficult-to-insure risks
Echelon Insurance is a specialist in the non-standard market in Canada. For drivers who have difficulty obtaining standard auto insurance — due to a claims history, traffic violations, or a recent license — Echelon offers tailored solutions at reasonable rates.
→ Learn more about Echelon Insurance
6. Pafco Insurance
Specialty: Substandard auto, high-risk drivers
Presence: Specialized division in Quebec
Pafco Insurance is a recognized specialist in auto insurance for drivers with high-risk profiles. Whether you have infractions on your record, a claims history, or are obtaining your license for the first time at an advanced age, Pafco offers accessible coverage tailored to your situation.
→ Learn more about Pafco Insurance
7. Jevco Insurance
Specialty: Substandard auto, recreational vehicles, motorcycles
Presence: Intact Insurance division, specialized in difficult markets
Jevco Insurance is Intact’s specialized division for drivers difficult to insure and recreational vehicle owners. Jevco is one of Quebec’s leading insurers for motorcycles, ATVs, snowmobiles, and antique vehicles — segments where few standard insurers offer complete coverage.
→ Learn more about Jevco Insurance
Why go through AccesDirect instead of directly contacting an insurer?
By contacting each insurer separately, you get one quote at a time — and you repeat your information with each call. Through AccesDirect, you fill out just one form and our AMF-certified brokers compare offers from multiple insurers for you. It’s faster, free, and with no obligation.
Frequently Asked Questions — Our Partner Insurers
How many insurers does AccesDirect work with?
AccesDirect currently works with 7 insurance companies in Quebec: Intact, Aviva, Promutuel, L’Unique, Echelon, Pafco, and Jevco. This network covers all insurance needs for Quebec individuals and businesses.
Is AccesDirect biased toward any particular insurer?
No. AccesDirect is an independent broker, which means it is not exclusively tied to any insurer. Our sole objective is to find you the best coverage at the best price among our partners. We are certified by the Autorité des marchés financiers (AMF) of Quebec.
Do AccesDirect insurers cover all of Quebec?
Yes. Our partner insurers offer coverage throughout Quebec — from major urban centers like Montreal, Quebec City, Laval, and Sherbrooke to regions like Mauricie, Saguenay–Lac-Saint-Jean, Laurentides, and Beauce.
What is the difference between Echelon, Pafco, and Jevco?
All three are specialists in the non-standard market. Echelon covers auto and home for atypical profiles. Pafco specializes in substandard auto for high-risk drivers. Jevco focuses on substandard auto and recreational vehicles (motorcycle, ATV, snowmobile, antique). Your AccesDirect broker will determine which is best suited to your profile.
Can I choose my insurer directly through AccesDirect?
No — AccesDirect acts as an intermediary. You submit your request and our brokers find the insurer that offers the best coverage-to-price ratio for your profile. Of course, you retain the right to refuse a quote if it doesn’t suit you.
Is Promutuel available throughout Quebec?
Promutuel is present in most regions of Quebec, with particular strength outside major urban centers. The company is structured into several regional cooperatives (Promutuel Centre, Promutuel Lévisien, etc.) depending on your location.
Is Intact the cheapest?
Not necessarily. Being the largest insurer does not mean being the cheapest. Rates vary depending on your profile, vehicle, address, and history. This is precisely why it’s important to compare through an independent broker like AccesDirect.
How is AccesDirect compensated?
AccesDirect is compensated by commissions paid by insurers when a policy is purchased. These commissions do not increase your premium — they are included in the price you would have paid by contacting the insurer directly. Our service is therefore 100% free for you.
What happens in case of a claim with a partner insurer?
In case of a claim, you contact your insurer directly (or your AccesDirect broker can guide you through the process). Our brokers remain available to support you throughout the claims process, even after your policy is purchased.
Does AccesDirect offer life and health insurance?
AccesDirect specializes primarily in property and casualty insurance (auto, home, business, recreational vehicles). For term life insurance, we can also direct you to the right insurers. Check our term life insurance page.
Compare Our Partner Insurers — Free Quote
One form, multiple quotes. AMF-certified brokers. 100% free service with no obligation.