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In Quebec, as per automobile insurance regulations, every vehicle owner must carry a minimum of $50,000 in civil liability insurance. However, it's important to note that this $50,000 limit is just a baseline; we recommend consulting with our professionals for personalized advice tailored to your specific needs.

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Assurance automobile au Québec avec groupe afer ltée, un acteur majeur des compagnies financières et d'assurance à Montréal, Québec, Canada.

Car insurance

Optional part

In the insurance industry terminology, the non-compulsory section is labeled as Chapter B within the insurance contract. If you are at fault in an accident, you need to have selected coverage that includes damage to your vehicle, ensuring your insurer will cover the associated expenses.

In this section of your contract, you have various options for protection to consider. It's important to make a thoughtful choice, so we recommend reaching out to one of our professionals for guidance.

Additional protections

• “Deprivation of use” vehicle rental insurance
• Personal insurance
• Replacement value insurance or replacement guarantee
• Insurance for borrowed or rented vehicles.

Our insurers offer packages that include several advantages:

  • No deductible in the case of a hit and run.
  • No deductible in the event of a "total loss."

Combine your insurance!

If, like many individuals, you find yourself paying for both car and home insurance, why not consider combining the two? This approach would enable you to enjoy additional benefits and discounts, with a unified deductible in the event of a claim for both auto and home, simplifying the process.

Any changes? Please keep us informed!

To ensure you consistently receive the best possible protection, please keep us updated on your current situation.

So, for example, it is important to notify us if:

  • You move
  • Your professional situation changes (new job, important promotion, etc.)
  • The distance between your home and your workplace is changing
  • You use – or no longer use – a vehicle for your work
  • You use a vehicle outside Quebec
  • A new driver uses your vehicle
  • Your marital status has changed

 

Also notify us if:

    • You make modifications to your vehicle
    • You have equipment installed that changes its value or performance
    • You install – or deactivate – a tracking system
    • You have an intensive marking system installed
    • You either store a vehicle or, conversely, return to the road after storage.
    • You, as the vehicle's driver, have been found guilty of a traffic offense or have had your license suspended.