Insurance in Quebec

Since 1978, Quebec has had a mixed public-private plan that differentiates between insurance for bodily injury and insurance for property damage. Are you familiar with it?

Two plans in Quebec

Private plan for property damage: 

Insurance provided by various insurance companies. You need to call an agent or broker to buy this coverage. The insurance covers property damage to your vehicle and civil liability. 

Public plan for bodily injury: 

Insurance provided by the Société de l'assurance automobile du Québec (SAAQ). An insurance amount is included in your driver's license fee. This insurance covers bodily injury sustained in car accident in Quebec or elsewhere.

For information concerning the public plan for bodily injury:

One policy for all

In Quebec, the auto insurance policy is a standard and unique policy. Its content is authorized by the Autorité des marchés financiers (AMF). Every policyholder in Quebec has the exact same contract. Your policy is therefore identical to that of your friend or neighbour. Only the coverage and coverage amounts vary, reflecting the individual choices made. 


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