Personal auto

Trim level changes the rate more than people expect. The same model in a sport trim can sit two rate groups higher.

The serial number is the only thing that identifies your exact vehicle, including factory options that change the rate. It is on your registration, on the driver’s door frame and at the base of the windshield.

A lender or a leasing company has to be named on the policy and has to receive proof of insurance. Leaving them off can put you in default of your financing agreement.

Replacement cost endorsements are only available within a set number of months of purchase, so the date decides what we can still offer you.

Low annual mileage is a real discount, but an understated figure is a misrepresentation. If you are not sure, the odometer reading and the purchase date give us a reliable average.

This is the single most common reason a Quebec auto claim is denied. A standard policy excludes carrying goods or passengers for compensation, so if anyone in the household does this even occasionally we need to add the right endorsement.

Several insurers now require a tracking device on the models most often stolen in Quebec, and will decline the risk outright without one.

In Quebec the SAAQ covers bodily injury, so this limit responds to property damage and to injuries caused outside Quebec. Going from one to two million is usually a small difference in premium.

Without this endorsement a total loss is settled at depreciated value, which on a three-year-old vehicle is often well below what you still owe on your financing.

Body shop delays in Quebec now run weeks, not days. This endorsement usually costs less per year than four days of rental.

Rentals and borrowed cars are not automatically covered for damage to that vehicle. This endorsement is what lets you decline the counter coverage at the rental desk.

Insurers pull your claims history from the industry database regardless of what you declare. Declaring it yourself is what keeps the quote accurate and protects you: an omission is a misrepresentation, and under article 2408 of the Civil Code of Quebec it can void the policy at claim time.

The size of the claim matters more than the count. Two small claims rate very differently from one large one.

A corrective measure you can describe, a replaced water heater or a new backwater valve, often moves an insurer from declining to accepting.

Continuous coverage is one of the strongest rating credits there is. A gap of even a few weeks moves most insurers to a higher tier.

We quote to line up with your renewal so you are not paying two policies or cancelling mid-term at a short-rate penalty.

This is a question we are required to ask and you are required to answer accurately. A cancellation for non-payment is workable; hiding one is not, because the insurer will find it and can void the contract.

A photo of your current declaration page answers about half of these questions on its own and is the fastest way to get an accurate quote. Photos taken with your phone are fine.