Basic coverage |
Third party liability: mandatory for everyone (Section A)
In Québec, all owners of a road vehicle have to buy third party liability insurance from an insurer. This insurance covers damage caused by your car to another person.
Insurance against damage to your vehicle: Protecting your car (Section B)
Four types of coverage are available:
- “Collision or overturning”: Covers damage to your care and to equipment and accessories in case of collision or rollover only
- “Risks that are not a collision or overturning”: Covers damages to your car in case of theft, fire, hail and glass breakage.
- “Comprehensive”: Covers damages to your car and to equipment and accessories.
- “Specified risks”: Covers damages to your car for the risks specifically named in the contract. This coverage is more limited.
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Additional coverage |
Enhance your basic policy by adding the additional coverage that suits you or enrol in Proplan, the all-in-one plan from Promutuel Insurance.
Replacement value, reimbursement of expenses in case of accident, coverage for damage to rented or borrowed vehicles, personal insurance… select according to your needs.
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Prevention tips |
When leaving your car:
- Never leave your car running, not even for a few minutes
- Always take your keys with you
- Lock your doors
- Hide any items that might attract attention in the trunk: wallets, purses, cameras, tablets, etc.
- Lock your front wheels and set your parking brake to make it difficult for thieves that use tow trucks.
- Park in a well-lit, high-traffic area when possible.
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