Protect your car with the most recommended consumer insurer
Over 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.
Local advisors who understand you
Personalized, affordable coverage
A local organization involved in your community
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.
Winning combination
Owner discount
Low mileage discount
All-electric vehicles discount
Zero claims discount
Multiple vehicle discount
Certain conditions, limitations, and exclusions apply. For details on these discounts, contact a Promutuel Insurance representative.
Benefits with your name on them
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!
Car insurance forms and endorsements
QPF 1 – Owners’ Form
QPF 4 – Garage Form
Proplan Endorsement – Form 4700A15
Proplan VU Endorsement – Form 4802A06