If you own a vehicle (car, truck, motorcycle, etc.), or lease one, you must have automobile insurance.

Your automobile insurance contract consists of two parts:

  1. Civil liability

    This insurance is mandatory in Québec. It covers damage caused by your vehicle.

    It is sometimes called “Section A” coverage.

    • The “civil liability” part of your automobile insurance covers damage caused by your vehicle to another person’s property. For accidents that occur outside Québec, it also covers bodily injury caused to another person. In addition, it will cover damage to your vehicle, but only if the accident wasn’t your fault.
  2. Damage to your vehicle

    This insurance is not mandatory. However, if you take out a loan to buy a vehicle, or if you lease one, the financing company or financial institution will likely require you to buy this insurance.

    This is sometimes called “Section B” coverage.

Insight

Shop around!

The cost of insurance can vary from insurer to insurer for exactly the same coverage and conditions. Make sure you shop around when buying automobile insurance!

End of the insight

Who can sell automobile insurance?

Only damage insuranceDamage insurance is insurance that covers property (home, automobile) or a liability, such as in the event of a fire or accident, for example. brokers and agents are authorized to offer automobile insurance.

Can an automobile dealer offer you insurance?

If you're planning to buy or lease a vehicle from a dealer, you should know about the following two types of insurance:

  • Replacement cost endorsement and replacement insurance
    • These two insurance products are similar.
    • If your vehicle is a total loss, you can get a new vehicle rather than a sum of money corresponding to the actual value of your vehicle.
      • They also cover parts: You'll receive new original equipment manufacturer parts.
    • These two insurance products are not mandatory.
    • For more information, consult our page Replacement cost endorsement and replacement insurance
  • Life, health and loss of employment insurance
    • This insurance reimburses your automobile loan in the event of death, disability or loss of employment.
      • It is not generally mandatory. However, if you take out a loan to buy a vehicle, or if you lease one, the financing company or financial institution may require you to buy this insurance.
    • For more information, consult our page Life, health and loss of employment insurance.