Quebec car insurance is mandated both publicly (section A) and privately (section B). The public policy is administered by the Société de l'Assurance Automobile du Québec (SAAQ) and ensures all Quebec drivers are covered for injury or death resulting from a car crash regardless of who is at fault. The premiums are flat for each driver but increase depending on demerit points for each user. The minimum civil liability through the public policy is $50,000, however, most people will select a coverage base between $1 million and $2 million. Quebec also mandates private auto insurance where you can add optional coverages, such as collision and comprehensive. Check out the chart below for available car insurance coverages, what they mean, and whether they are available and/or required.
Here is an overview of the available car insurance coverages in Quebec:
Basic auto insurance coverage provided by the Quebec governement (Société de l'assurance automobile du Québec). This includes liability, accident benefits and uninsured motorist coverage.
Auto insurance policies created & sold by private insurance carriers. Though these carriers must still abide by Federal and Provincial regulations.
Having no-fault insurance doesn’t mean you can’t be found at fault. This coverage means you must first deal with your own insurance company for all claims, whether you’re at fault or not. But, Quebec will allow a no-fault driver to sue an at-fault driver for additional damages and costs that are not covered by their accident benefits.
|Third-party Liability Insurance||
Protects against damage caused by you while driving, and includes injury and death to others and property damage. This is the only insurance coverage that is mandatory across Canada. Minimum coverage for Quebec is $50,000.
Covers your medical benefits if you’re injured in a crash, whether you’re at fault or not. The coverage includes your medical costs, while also paying for additional recovery costs, such as rehab, income replacement, and payment for and attendant care, if needed.
|Direct Compensation-Property Damage (DCPD)||
Covers damage to your vehicle and its contents, and for the loss of use of your vehicle when damaged – if another person was at fault. This coverage only applies if the crash occurs in a province where DCPD is mandatory, if two or more insured vehicles are involved, and if both insurers are licensed within that DCPD province.
Uninsured motorist coverage protects against injuries you and your family members sustain in a crash caused by an uninsured motorist. It can also cover your vehicle damages, if the uninsured driver is able to be identified.
Protects against damages sustained in a collision. This insurance covers you if your car is damaged in a crash – in both cases whether you crash into another other car or whether you crash into a stationary object.
Protects against any losses a car owner may suffer, from events not related to driving. Such losses could include theft or damage from attempted theft; vandalism; environmental damage to a car from floods, fallen trees, and hail, etc.
Covers your financial losses for damage caused specific perils – but only for perils chosen specifically for your policy. Available coverages are for theft; fire; damage from hail, lightning, wind, or flooding; earthquakes; explosions; riots; aircraft crash damage; and damage sustained during any transportation relocation.
This combines the coverages you get with collision and comprehensive insurance. Additionally, all-perils also covers you if an employee, or someone who drives or services your car, steals it. It also covers you if someone you live with steals your vehicle.
|Emergency roadside assistance||
This service covers you for roadside callouts for emergencies such as dead batteries, towing, flat tires, keys locked in your car, empty gas tank, etcetera. Many insurance companies offer roadside assistance either included or in addition to other coverages.
*Table information sourced from http://www.ibc.ca (2017)
To find the best car insurance rate in Quebec, it pays to shop around. Yes, an insurance application is pretty standard, but you’ll find that insurance rates can vary between providers. The variance is due to a few factors like who they currently insure, the number of active claims on financial statements, and their overall comfort with risk. There are also several other factors beyond your control that can negatively impact an insurance rate calculation. Historically, the frequency of claims decreases with age for both men and women, so older, more experienced drivers will typically pay less. The average premium in a given area is a result of claims frequency and the average cost per claim, which means if you live in a densely populated area, you’ll probably pay more. In Quebec, you must have four winter tires installed between December and March. In some provinces, installing winter tires can save you money, but in Quebec, driving without winter tires can cost you a fine of $200 to $300.
Here are 7 factors that determine your car insurance premium.
Since July 1997, Quebec has used a graduated licensing system (GLS). This system requires each driver to progress through a 3-step educational program in order to be considered a fully licenced driver. Once you’ve successfully completed the GLS, you can legally operate a car, a motorhome, a tool vehicle, a service vehicle, a moped/motorized scooter, a tractor, and a 3-wheel T-Rex or Slingshot. Let’s take a quick look at this phased approach:
Class 5 learner's licence (or level one) eligibility criteria:
You need to be at least 16 years of age
Have the consent of your parents, or legal guardian, if you are under 18
Present two official pieces of ID (one with a photo)
Complete the required questionnaire before starting the driving course
Register for a driving course recognized by the Association Quebecoise des transports
Get a login for the Road Safety Education Program and complete all the learning phases
Pass a vision test
Pass a written test about the rules of the road administered by your driving school
Have your file opened at a service outlet
Pay the associated written test fees
Can’t consume alcohol and drive
Must be accompanied by an eligible licenced driver
Can’t drive between midnight and 5am
Class 5 probationary licence (or level two) eligibility criteria:
Have a learner’s license for at least 10 months
Book and pass your first road test with the SAAQ
Pay an administrative fee for the road test and the license
Have fewer than 4 demerit points on your driving record
Can’t consume alcohol and drive
Can’t drive between midnight and 5am
Class 5 regular licence (or level three) eligibility criteria:
Must have probationary license for 24 months
Pass a more advanced 30-minute road test and 1-hour knowledge test with the SAAQ
Must remain suspension free for a 2-year period
Must wait at least 24 months to attempt the road test
There is also another administrative fee to pay