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
Public plan
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 licence fee.
This insurance covers bodily injury
sustained in car
accident in
Quebec or elsewhere.
Hover the shadows with your mouse to learn more.
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.
For information concerning the public plan for bodily injury: www.saaq.gouv.qc.ca