If you own or enter into a long-term lease forlease a vehicle (car, truck, motorcycle, etc.), you are required to have automobile insurance.
Automobile insurance consists of two parts:
- Civil liability
This part of automobile insurance is mandatory in Québec. It covers damage caused by your vehicle to another person’s property. It also covers damage to your vehicle, but only if the accident isn’t your fault, as well as bodily injury caused to other persons by an accident that occurs outside Québec.
This coverage is dealt with in Section A of your automobile insurance contract.
- Damage to your vehicle
In Québec, you’re not required by law to have insurance covering damage to your own vehicle. However, if you borrow money to buy a vehicle or you enter into a long-term lease for a vehicle, the financing company or financial institution will likely require you to have this type of insurance.
This coverage is dealt with in Section B of your automobile insurance contract.
Your automobile insurer can also offer you additional protections known as “endorsements.” These endorsements are called “Q.E.F.s,” or “Québec Endorsement Forms.” Three of the most common Q.E.F.s are:
- Q.E.F. No. 20: lets you do such things as temporarily rent a vehicle at the insurer’s expense in the event of loss.
- Q.E.F. No. 27: provides coverage if you are liable for damage caused to a vehicle that is rented or borrowed by you for less than one year in Canada or the United States.
- Q.E.F. No. 34: provides benefits in the event of death, dismemberment or loss of sight caused by an automobile accident
The replacement cost endorsement (Q.E.F No. 43) and replacement insurance (Q.P.F. No. 5) are offered to cover any loss in your vehicle’s value resulting from an accident or other covered damage. Find out about the features of these two products This link will open in a new window.
Before entering into an automobile insurance contract, check all the protections offered by your insurer, the maximum amounts payable in the event of a claim, and the applicable deductibles.
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. agents and brokers are authorized to offer automobile insurance.
There’s one exception: An automobile dealer can, under certain conditions, offer replacement insurance when you buy or lease a vehicle.
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
Is your representative authorized to offer you an insurance product?
- Consult the Register of firms and individuals authorized to practise
- Contact an AMF Information Centre agent
- Send us a Request for information This link will open in a new window
Documentation and tools
- Let's talk insurance! (pdf - 134 KB)This link will open in a new windowUpdated on 29 October 2018 The purpose of this fact sheet is to inform you of your rights. It does not relieve the insurer or the distributor from their obligations toward you.
- Choosing Auto Insurance (pdf - 382 KB)This link will open in a new windowUpdated on 25 February 2013
- My First Car Insurance Policy (pdf - 1 MB)This link will open in a new windowUpdated on 18 July 2012
- Insurance sold by Lenders and merchants (pdf - 972 KB)This link will open in a new windowUpdated on 29 September 2017