Auto insurance coverage

No matter what vehicle you drive, we have the coverage you need

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Basic coverage

These are the types of coverage to consider when you own and use a car.

Civil liability insurance covers you if you injure another person or cause damage to their property, or if you are involved in an accident that’s not your fault.

In Quebec, no matter how old your vehicle is, you are required by law to carry a minimum of $50,000 in civil liability insurance. However, $1–2 million is the recommended amount.1

1 Chapter A

Covers damage to your vehicle not caused by collision or upset. It may include theft, fire, vandalism, broken windows and weather-related damage.

There is no deductible on windshield repairs.1

1 Chapter B3

Covers damage to your vehicle caused by a collision with another vehicle, object or animal, a rollover (whether or not you are at fault) or a hit and run.

There is no deductible if you are not at fault for the accident.1

1 Chapter B2

Additional coverage

There are a number of options for customizing your coverage. Exclusive Automax coverage bundles together and upgrades a number of options.

Automax is a comprehensive insurance that includes the most popular coverages.

Lost or stolen keys

If your keys are lost or stolen, get reimbursed up to $500 to cover the cost of:

  • Key reprogramming
  • Remote starter reprogramming
  • Lock replacement
Travel expenses

In the event of an incident covered by your policy, if you need to rent a vehicle, or take a taxi or public transit, you will be reimbursed up to $75 a day (maximum of $3,000).

In addition, if the incident occurs during a trip, you will receive a lump-sum payment of up to $1,500 to cover your additional travel, meal and accommodation expenses, if necessary1.

Damage to a rented or borrowed vehicle

This coverage will pay up to $100,000 if you are responsible for damage to a vehicle that’s borrowed or rented for a short time in Canada or the United States.

You will not need to purchase the insurance offered by the car rental company2.

No deductible

If your car is declared a total loss or if you are the victim of a hit-and-run, you will have no deductible to pay, up to $1,0003.

Individual insurance

Get compensation for you or your spouse in the event of accidental death or dismemberment3.

1 Q.E.F. 20a 2 Q.E.F. 27 3 Q.E.F. 41 4 Q.E.F. 34

This coverage lets you get a new vehicle with the same features as your current vehicle in the event of an accident (total loss) or theft. It protects the value of your vehicle against depreciation.

In the event of partial loss, your vehicle will be repaired with new parts.1

1 Q.E.F. 43A and 43E

Covers you in the event of theft or an accident when driving a rented vehicle or a vehicle borrowed from a friend in Canada or the U.S. It covers the cost of repairing or replacing the rented or borrowed vehicle up to a maximum of $50,000. It means you don’t have to take out insurance from car rental agencies.

This coverage is also called “civil liability for damage caused to a vehicle for which the named insured is not the owner.”1

1 Q.E.F. 27

In the event of a claim, this coverage provides you with a replacement vehicle while yours is being repaired. You are entitled to an allowance of up to $50 per day, to a maximum of $1,500 for vehicle rentals.

If the claim occurs during a trip, you are entitled to a lump-sum payment of up to $750 for additional travel, meal and accommodation costs.1

1 Q.E.F. 20a

Provides compensation of up to $15,000 for you or your spouse in the event of death or dismemberment caused by an automobile accident.1

1 Q.E.F. 34

This coverage provides you with four service calls per year:

Battery boost

We boost your vehicle’s battery.

Door unlocking

If you lock your keys in your car, we will attempt to unlock the doors. If your keys are lost or broken or if we are unable to unlock the vehicle, we reimburse up to $100 for a locksmith. If the vehicle cannot be started, towing will be provided according to the terms of the program.

Flat tire change

In the event of a flat tire, we will install your vehicle’s spare tire. If there is no spare tire or it is not in good condition, towing will be provided according to the terms of the program.

Winching

We will winch vehicles that are stuck, provided they are accessible by public roads. If special equipment or more than one person or truck is required, additional fees may be charged.

Gas delivery

If you run out of gas, we will deliver 10 litres of gas free of charge to get you to the nearest gas station.

Towing if your vehicle breaks down

If your vehicle breaks down, we will tow it to any service station within a 25 km radius or to the nearest service station if there is not one within 25 km.

If your vehicle breaks down while towing a trailer that is less than 16 ft. in length for personal use, a trailer designed for transporting small goods or a tent-trailer that is less than 16 ft. in length, the trailer will also be towed, but additional fees may be charged for your trailer if it is loaded.

iA Auto and Home Insurance’s roadside assistance is available 24/7/365.

Want to make a reimbursement claim for roadside assistance? Fill out this form.

Our home and auto insurance products are available only in the province of Quebec.

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Our auto insurance is available only to Quebec residents.