Library
Guides on auto insurance in Québec
Clear reference points with sources cited. We explain; the quotes come from licensed partners.
Understanding auto insurance in Québec
The SAAQ public plan, the Q.P.F. No. 1 policy, the deductible and what moves the premium.
How Auto Insurance Works in Québec
In Québec, the SAAQ compensates injuries and private insurance covers property damage. What is mandatory, what is optional and who pays for what.
Understanding Your Q.P.F. No. 1 Policy, Chapter A and Chapter B
The Q.P.F. No. 1 form explained, from Chapter A (civil liability) to the Chapter B protections, and how to read the Declarations of your own policy.
Understanding Your Auto Insurance Deductible in Québec
In Québec auto insurance, when the deductible applies and when it does not, how it affects the premium and how to pick an amount that fits your savings.
What Affects Your Auto Insurance Premium in Québec
Driving record, claims, vehicle, use, postal code, experience. The factors behind an auto insurance premium in Québec and the ones you can act on.
Before you sign
The endorsements that matter, switching insurers at the right time, insuring a financed or leased car.
Québec Auto Insurance Endorsements, What They Add to Your Policy
Replacement cost, rented cars, travel expenses, roadside assistance. What each endorsement adds to your Québec auto policy and who it can be useful for.
Switching auto insurers in Québec, from renewal to cancellation
Renewal notices, cancelling at any time, premium refunds, start dates and overlaps. How to switch auto insurers in Québec without a coverage gap.
Insuring a financed, leased or used vehicle in Québec
Lender and lessor requirements, the gap between your loan balance and the car's value, replacement cost, used-car purchases and SAAQ registration.
Winter tires, telematics and vehicle use, what matters for your insurance
Winter tires required from December 1 to March 15, declared use, annual mileage, telematics, car sharing and paid driving. What you need to know.
After an accident or a claim
The Direct Compensation Agreement, the steps of a claim, your claims history file.
Québec's Direct Compensation Agreement, explained step by step
After a collision in Québec, each driver deals with their own insurer. Here is how the Agreement sets fault and when your deductible actually applies.
Filing an auto insurance claim in Québec, from the accident to the cheque
Notifying your insurer, police reports, estimates, repair shops, rentals, total losses and disputes. The steps of an auto insurance claim in Québec.
Your claims history file and driving record, what insurers see
The GAA's central claims file and your SAAQ driving record. What they contain, how long entries stay, how to get them and how to correct an error.
Your situation
Young drivers, probationary licences, occasional drivers.
Reference
The short answers, and the vocabulary decoded.
Car Insurance in Québec: The Most Frequently Asked Questions
Mandatory coverage, the SAAQ, deductibles, the joint report, your claims file and winter tires: 25 short, sourced answers about car insurance in Québec.
Glossary of Car Insurance Terms in Québec
Car insurance terms explained simply, with the vocabulary specific to Québec, from Q.P.F. No. 1 to the joint report. 50 sourced definitions.