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Coverage for the unexpected
One day while driving, out of the blue, you lose control of your vehicle and crash into the side of a house. That’s when you’re happy to have Civil Liability coverage on your auto insurance policy to cover the damage to the property. This protection is mandatory.
It also covers bodily injury or death of someone who is hurt in an accident outside the province. In Quebec, bodily injuries that result from car accidents are covered by the Société de l'assurance automobile du Québec (SAAQ). If this is the only coverage you want, you’ll be what’s called “insured on one side” or insured against injury caused to others or damage to their property. Find out what other mandatory coverages you need on your insurance policy.
If you also want coverage for damage to your vehicle, you’ll need Collision and Upset and All Perils other than Collision or Upset. If you add these protections to your insurance policy, you’ll be “insured on both sides.”
You can also add optional coverages to meet your individual needs.
Because you’re under 25, you can save up to 20% on your auto insurance premium.
If you own a low-value older vehicle (over 10 years old), you could save by choosing Civil Liability only.
Talk to one of our P&C insurance agents for advice on the coverage that's right for you.
You can insure your car and apartment with us and save even more. Ask about the Multi-Line discount.
You can increase your deductible (for example, from $250 to $500) to lower your insurance premium.
Discover our auto insurance savings for even more ways to save.
Are the items inside your car covered in case of theft?
If your vehicle is stolen, any accessories (like seat covers and ski racks) are covered by your auto insurance, while items left in the vehicle (like your camera, laptop, or coat) are covered by your home insurance.
Being well protected means being well informed. Lean more about auto insurance:
The information on this page is provided for informational purposes only. The terms and conditions of the coverages described are set out in the insurance policy, which always prevails. Certain conditions, limitations and exclusions may apply.