Assurance auto Québec

Car insurance

There to keep you safe on the road
With Promutuel Insurance, you get more than just car insurance. Whether you’re going to work, the grocery store, the gym, or soccer practice, we’re there to keep watch over you and your loved ones.
With Promutuel Insurance, you get more than just car insurance. Whether you’re going to work, the grocery store, the gym, or soccer practice, we’re there to keep watch over you and your loved ones.

Insure your car with a proud local mutual

For nearly 170 years, we’ve been committed to insuring Quebecers like you. We recommend the best car insurance for your needs and make things easier if you have questions or claims. For us, the most important thing is to give you peace of mind on the road.

Find out what sets us apart


Local advisors who understand you


Personalized, affordable coverage


A local organization involved in your community

Une femme boit assise dans son auto

to help you save

At Promutuel Insurance, we offer a host of car insurance discounts designed to lower the premiums of our insured members. Join us and start saving.

Up To

10

%

de

Off

Winning combination

Winning combination

Insuring your car and home with Promutuel Insurance—now that’s a bright idea! You’ll save up to 10% and get extra coverage for free.

Get a submission

Up To

10

%

de

Off

Multiple vehicle discount

Multiple vehicle discount

Cars, motorcycles, ATVs, snowmobiles, and more: insure all your vehicles with Promutuel Insurance and save up to 10%.

Get a submission

Up To

20

%

de

Off

Claim-free discount

Claim-free discount

No claims for at least 3 years? You can save up to 20%.

Get a submission

Up To

10

%

de

Off

Low mileage discount

Low mileage discount

Do you drive less than 12,000 km a year? Save up to 10% with Promutuel Insurance!

Get a submission

Up To

5

%

de

Off

Anti-theft system discount

Anti-theft system discount

Promutuel Insurance will give you up to 5% off your theft coverage, depending on the type of anti-theft system your car has.

Get a submission

 

 

 

Student discount

Student discount

Get a discount on your collision coverage if you are a full-time university or CEGEP student age 24 or under.

Get a submission
Un père et sa fille sourient dans leur auto

Learn more about car insurance coverage

Mandatory coverage

In Québec, third-party liability is mandatory to cover damage and injury caused to others by your car. This is what some people call “one-way” insurance!

Legal liability

Covers:

  • Property damage to your car in the event of a collision in Québec for which you are not responsible.
  • Property damage and bodily injury resulting from an accident outside Québec.
  • Accidental damage or injury to others for which you would be held responsible.

Recommended coverages

Get “two-way” car insurance by adding property damage coverage to your policy. Perfect when you buy or lease a new car!

Comprehensive

Covers all types of damage to your vehicle, equipment, and accessories, other than the exclusions noted in the policy.

Collision and upset

Covers damage to your vehicle, equipment, and accessories in the event of a collision or upset. 

All perils other than collision or upset

Covers damage to your vehicle in the event of theft, fire, hail, or a broken window, among others.

Specific perils

Covers damage to your vehicle from specific perils listed in the policy, including fire and theft. This is the least extensive coverage. 

Coverage that makes sense

Enhance your coverage with customized extras. The ultimate in peace of mind!

Replacement cost

If you have an accident and your vehicle is a total loss, we will replace it with a new vehicle with the same features and we won’t make any deductions for depreciation.

Travel expenses

Covers rental car, taxi, and public transportation costs if you can’t use your car following a covered accident.

Personal insurance

In the event of the insured’s death in a car accident, we will pay up to $15,000. 

Damage to vehicles not owned by the insured

We will pay up to $75,000 to cover damage to a vehicle you have rented or borrowed in Canada or the United States.

A host of car tips for you

In addition to the commitment of our mutual associations in the heart of the regions, discover the tips and tricks of our specialists. Interesting articles that will help you protect yourself and to prevent hazards on the road. Happy reading!

See all our tips for your vehicle

for all of your insurance needs

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Home
House, condo, cottage, apartment… For us, protecting your home means more than anything.
Motorcycles, snowmobiles, ATVs, caravans, tent trailers, and more. Whatever your passion, Promutuel Insurance has you covered.

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Business
Protecting what has and creates value—now that’s good business sense.

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Farm
Buildings, equipment, animals, crops, products, and more. Protecting what matters to you is in our roots.