Save an average of $510 by bundling your auto and home insurance!

It’s easy to save
on your auto insurance!

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:

Save up to 10% on your car and home insurance if you have other iA Financial Group products, such as life insurance, disability income insurance, critical illness insurance, an RESP or a savings product.*

Get up to 15% off your car insurance when you insure two or more vehicles on the same policy. Insure your recreational or leisure vehicle too and you'll get a discount of up to 10% when applying.*

Did you know that you can get additional discounts on your insurance if you insure both your car and home with us? What's more, you'll pay only one deductible on claims involving both your home and vehicle. It pays to have all your insurance under the same roof! Don't wait—get a quote today!*

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

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Got questions about your car insurance? 
Our agents are here to support you and make sure your needs are met.

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Nine out of ten clients renew their auto and home insurance with us every year!

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Take part in the sharing economy by renting your vehicle with Turo

Quick and easy claims!


When damages happen, we're here to help. Count on our expert advice and assistance for your car insurance claims.

What to do in case of damages

24/7 claims service

Coverage options

Get coverage tailored to your vehicle and how you use it. Our team is here to advise you.


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.

Learn more about civil liability coverage

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.

Learn more about collision and upset coverage

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.

Learn more about all perils except collision and upset coverage

Additional coverage and options

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
Learn more about Automax coverage

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

1 Q.E.F. 43A and 43E

iAAH offers one of the most attractive Claim Forgiveness options on the market. With this coverage option, you’ll be protected against premium increases after any kind of accident, whether you are at fault or not.

By opting for Claim Forgiveness with your auto insurance, we’ll forgive any not-at-fault accidents and up to two at-fault accidents*. This option also applies to secondary drivers using your car, including your children, no matter their age or driving experience.

It’s an affordable option at just a few dollars a month!

* Certain conditions, limitations and exclusions apply.

Do you like to travel and sometimes rent a car to visit the countryside? This is the coverage you are looking for!

This option covers the cost of repairing or replacing a borrowed or rented vehicle up to a maximum of $50,000.

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 Learn more about borrowed or rented vehicle coverage

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

1 Q.E.F. 20a Learn more about travel coverage

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

1 Q.E.F. 34

This coverage provides you with four service calls per year for your vehicle:

  • Battery boost
  • Door unlocking
  • Flat tire change
  • Winching
  • 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).

Learn more about roadside assistance


Here are a few tips on how to get discounts from your insurance company and save on your auto insurance premium:

  • Bundle your auto and home insurance with the same provider Also, if you have more than one vehicle, including recreational vehicles (snowmobiles, quads, motorcycles or scooters) you can save money by bundling them all under the same insurance policy.
  • Some insurance companies will also give you a discount if you have other products with them. iA Auto and Home Insurance will offer you an additional discount if you have other iA Financial Group products, like life insurance or savings products.
  • A higher deductible can also reduce your insurance premium. However, in case of an accident, you would have to cover more of the cost yourself.
  • If you have any anti-theft protection for your vehicle (markings, etc.), that could also reduce your auto insurance premium.
  • There are lots of discounts available: the hybrid vehicle discount, the good driving record discount, the good credit discount, etc.

Remember that cheap insurance is not necessarily the best insurance. Make sure that your coverage is appropriate for your needs and you’ll be getting services that are up to your expectations in case you have to submit a claim.

Check out our article on how to reduce your auto insurance premium.

The best auto insurance is the one that provides the right coverage to meet your needs. It’s important to ask the right questions before choosing your insurance coverage: how old is your vehicle, do you use it, do you regularly travel outside Quebec, etc.

Some coverages are included with your auto insurance policy and you can upgrade them as needed. For example, civil liability –if you regularly travel outside Quebec, 2 million dollars of civil liability coverage is recommended.

There are also other coverages that can be added as options, such as coverage in case of lost or stolen keys, roadside assistance, replacement cost coverage, etc.

Don’t be afraid to ask your agent any questions you have to make sure you understand the coverages available so that you can get the best auto insurance policy for you.

When you renew your insurance, make sure the coverage you have still meets your needs. If there have been some changes in your life, for example, if you are driving fewer kilometres per year, it’s important to let your insurance company know. These changes could lead to savings.

If you want to shop for new auto insurance, you should compare various insurance companies. You’ll have to be careful, because the insurance company that offers the best price may not necessarily be the one with the best coverage. It’s important to take the time to compare the different coverages they offer. Don’t hesitate to ask your insurance agent any questions you might have.

If you want to get a quote quickly, an online quote is a great option. You can also contact different insurance companies directly by phone. An insurance agent will take the time to answer your questions. Don’t hesitate to contact us at 1-866-650-4689 to get a quote.

Check out our quick reference to get ready for your auto insurance quote.

Auto insurance premiums are customized for each person insured. They’re determined based on each insurance company’s underwriting, which is based on the vehicle to be insured and the driver’s profile.

Other factors can also have an impact on the insurance premium such as the make, model and year of the vehicle you drive, whether it’s a new or used vehicle, whether it’s owned or leased, repair costs, etc.

Your insurance company will also take into consideration how you use the vehicle, your annual mileage, your driving record, where you live, past claims, etc., to determine your insurance premium.

Finally, the coverage you choose will also affect the cost. The deductible amount, added replacement cost coverage, civil liability amount and any other additional coverages you add will have an impact on the cost of your auto insurance.

There are many reasons why you might want to cancel your auto insurance policy. For example, maybe you’re moving out of the country where you will use a vehicle provided for your work. Before cancelling your policy, it’s a good idea to talk to your insurance company. They may be able to advise you and offer you different options.

However, if you are certain that cancelling your policy is your only option, you can do so by email, by letter or by contacting your insurer directly by phone.

Depending on the number of months remaining on your policy, be aware that a cancellation fee may apply.

A Joint Report is an essential document to have in the glove compartment of your vehicle.

In Quebec, this document can be used when there is a fender-bender between two vehicles and no damage is caused to any third parties.

The information contained in the joint report will be very useful when you contact your insurer to make your claim. In addition, it will help establish the responsibility of each motorist in the accident. It is therefore important to accurately identify the people involved in the accident.

Want to get a Joint Report to have on hand? You can order one at You can also print a copy or download the app directly from the Groupement des assureurs automobiles du Québec website.

If you are the victim of an accident with injuries or damage to third parties, an accident outside of Quebec or a criminal act (theft, vandalism, etc.), it is important to contact the police as soon as possible so that a report can be written. In these situations, a Joint Report is not enough and a police report must be provided.

Auto insurance is mandatory in Quebec if you own a vehicle such as a car, motorcycle or truck, or if you lease a vehicle.

When you get your auto insurance quote, your agent will tell you about the two parts to auto insurance: civil liability and damage to your vehicle. This is also what is meant by insuring your vehicle “one way” or “two ways”.

Civil liability is mandatory in Quebec as it provides protection if you cause damage to another vehicle or to another person’s property, or if someone is injured or dies in the accident.

On the other hand, it is not mandatory to insure your own vehicle against damage, but chances are your lease or financing contract will require you to carry this type of insurance.

Lastly, it is also possible to get additional types of coverage under your policy, known as “endorsements.” For example, if you travel regularly using your vehicle, you may be happy to have roadside assistance coverage. Additional coverage is not mandatory, but it will help you get auto insurance that meets all your needs.

You get to your car after a nice dinner at a restaurant and you notice a dent in your door that was not there before. Unfortunately, there is a good chance that you were the victim of a hit-and-run.

Here’s what to do if you find yourself in this unpleasant situation:

  • If you witness the incident, take down all the information you can about the driver and the vehicle: make, model, colour, licence plate number and description of the driver.
  • Contact the police as soon as possible so a report will be filed within 48 hours of the accident.
  • Take down additional information from any witnesses and get their contact information.
  • Take a photo of the damage done to your vehicle.
  • Contact your insurance company to report the incident and provide the police report number. Depending on the coverage included in your auto insurance policy, your insurer will be able to tell you if you are covered for hit-and-run accidents.

It’s easy! Just contact your insurer and tell them you want to add a vehicle to your auto insurance policy. Your insurer will be happy to advise you and offer you coverage that meets your needs.

Has your child just gotten their driver’s licence and you want to add them to your car insurance? To do so, you just need to contact your insurer and tell them you want to add a new driver to your auto insurance policy. The insurance agent will ask you several questions about the new driver to get information about their driving record.

Here is the information you will need to have on hand:

  • Name and date of birth of the driver
  • Their driver’s licence number and date they obtained their licence
  • Information on claims history

In recent years, the insurance industry has had to adapt to new realities that have an impact on the amount of your auto insurance premium.

Most modern vehicles are now equipped with the latest technology. Backup cameras, speed regulators, sensors, all these new components make the cost of parts and labour much higher following an accident. According to the Groupement des assureurs automobiles, the average cost of repairs following an accident has increased 27% over the last ten years.

Here are some ideas that could help you lower your insurance premiums:

  • Insure your auto and your home with the same provider
  • Consider raising your deductible
  • Make sure the coverage you have selected still meets your needs

Good news! You can save money by bundling your auto insurance and your home insurance. This could save you an amount of up to $510. Feel free to get a quick online quote or contact us today!

If your windshield can be repaired, you will not have to pay a deductible. However, if it needs to be replaced, a deductible will apply. It is therefore important not to wait if you see a small chip in your windshield, because it can quickly turn into a large crack.

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* Some conditions apply. Subject to change without notice.

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Our auto insurance is available only to Quebec residents.