* Our home and car insurance products are available only in the province of Quebec.
Save an average of $510 by bundling your auto and home insurance!
We offer coverage to meet all your needs at an affordable price! Keep reading for more ways to save on your insurance:
Anti-theft discount: Save up to 15% off your premium if you install an approved anti-theft system or vehicle tracking device in your car.
Electric car discount: Get up to 10% off your premium when insuring your electric car.
Taking care of you is what we do
Got questions about your car insurance?
Speak directly with an agent, not an automated phone system.
Nine out of ten clients renew their auto and home insurance with us every year!
Take part in the sharing economy by renting your vehicle with Turo
Get coverage tailored to your vehicle and how you use it. Our team is here to advise you.
Civil liability (mandatory)
In the event of a loss or accident, civil liability insurance covers you if you injure another person or damage their property.
In Quebec, no matter how old your vehicle is, you’re required by law to carry a minimum of $50,000 in civil liability insurance. However, $1–2 million is the recommended amount so you can be adequately protected in the event of a claim.
This mandatory coverage for your vehicle is called Chapter A.
Collision and upset
In the event of a claim, covers damage to your vehicle caused by an (at-fault) collision with another vehicle or object, a rollover or a hit-and-run.
There is no deductible on the claim if you’re not at fault in the accident.
Collision and upset coverage is not mandatory. However, it is the only way to cover damage to your vehicle if you are at fault in an accident.
This protection covers the cost of repair or replacement in the event of material damage to the vehicle, based on its value on the date of the loss.
This coverage is also called Chapter B2.
All perils except collision and upset
This coverage reimburses you for damage to your vehicle not caused by collision or upset. This includes theft, fire, vandalism, glass breakage and weather-related damage.
There is no deductible on windshield repairs, so nothing for you to pay out of pocket!
This coverage is also called Chapter B3.
Automax is all-in-one insurance coverage that bundles together and upgrades the most popular options:
- Lost or stolen keys
- Travel expenses
- Individual insurance
- Damage coverage for borrowed or rental vehicles
- No deductible for a hit-and-run or total loss of your vehicle
Buying or leasing a new car and want to supplement your basic car insurance with total/partial loss or theft coverage? Then you need replacement cost coverage.
A vehicle purchase is a significant expense, so it's good to protect it against any incidents that may arise.
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 a partial loss, your vehicle will be repaired with new (OEM) parts if you have Replacement cost coverage.1
Borrowed or rented vehicles
Do you like to travel and sometimes rent a car to visit the countryside? This is the coverage you are looking for!
This option, included with Automax, covers the cost of repairing or replacing a borrowed or rented vehicle up to a maximum of $75,000.
This coverage is also called “civil liability for damage caused to a vehicle for which the named insured is not the owner.1
This coverage, included with Automax, covers the cost of rental car, taxi or public transportation while your vehicle is being repaired following a loss by your insurance.
iA Auto and Home provides compensation of up to $75 per day, to a maximum of $2,000. In addition, if an incident occurs during a trip, this coverage provides you with a lump sum of up to $1,000 for your additional travel, meal and accommodation expenses, if necessary, during this period. 1
Provides compensation of up to $15,000 for you or your spouse in the event of death or dismemberment caused by a car accident.11 Q.E.F. 34
This coverage provides you with four service calls per year for your vehicle:
- Battery boost
- Door unlocking
- Flat tire change
- Gas delivery
- Towing if your vehicle breaks down
iA Auto and Home roadside assistance is available 24/7.
Want to make a reimbursement claim for roadside assistance? Fill out this form (PDF, 161 kB).
Car insurance advice
Insuring your vehicle “one way” or “two ways”?
Fanny, our insurance adjuster, shows you the difference between insuring your vehicle “one way” or “two ways”
Quick reference – Your car insurance quote
Whether you are a new or experienced driver, here are a few tips to help you with your car insurance quote.