Good drivers could save up to 25%^¹ on car insurance

In Quebec, car insurance operates through a combination of public and private insurance systems.

The public component, managed by the Société de l'assurance automobile du Québec (SAAQ), covers personal injury resulting from motor vehicle accidents, including medical expenses, rehabilitation, and income replacement, regardless of fault. This no-fault public insurance is funded through vehicle registration and driver's license fees.

The private insurance sector provides coverage for property damage and civil liability. This includes damage to one's own vehicle, damage to others' property, and legal liability in the event of an at-fault accident. Drivers are required to have a minimum of $50,000 in civil liability coverage, though higher limits are often recommended for better protection.

This dual system ensures comprehensive coverage for drivers and passengers in Quebec.

A car insurance policy covers property damage caused by your car, and some damage caused to the vehicle itself. It also provides civil liability coverage to drivers of insured cars.

Yes. The Quebec Government amended its law in August 2019 to let drivers utilize digital insurance certificates as official documentation and proof of auto insurance. You can use the digital proof of insurance in the Intact Insurance app anytime, anywhere in Quebec.