No matter what kind of vehicle you are insuring you can choose various levels of coverage, depending on how much protection you want for your car insurance:
Collision and Upset coverage protects you from costs to repair damage to your vehicle caused by impact with another vehicle or an object such as a guardrail.
«Coverage against perils other than collision or upset», previously called Comprehensive, protects you from costs to repair damage to your vehicle from unexpected situations such as fire, theft, vandalism or natural disasters.
All Perils protection combines both of the above coverages.
Specific Perils coverage protects your vehicle only against specific dangers, such as theft or attempted theft, some natural disasters, riots or civil disturbances.
Car Insurance Coverage Based on Your Vehicle
Car insurance liability coverage is mandatory for driving in Canada. Beyond that, there are other options to consider for your ideal coverage.
Drive worry-free, with additional auto insurance protection
If you have a good driving record, it’s only natural that you want to protect it. Do you also want to be able to count on a roadside assistance service in case of trouble along the way? Safeguard your good record and drive worry-free with My auto privilege®. This combination of two coverages adds up to peace of mind and confidence on the road.
my Driving Discount®: an auto insurance program based on your driving habits
Some people have better driving habits than others. That’s why we have our my Driving Discount program that rewards good driving behaviour. Through this program, you could save up to 25%* off your car insurance premium.
If you are an Uber driver in Quebec, Intact now provides a commercial insurance policy that covers you from the moment you make yourself available to accept an Uber ride request, to the moment the last passenger exits your vehicle.
Turo Car Sharing
Is your car sitting idle in your driveway? Put it to work and earn extra income by listing it with Turo — an online marketplace that allows private car owners to rent out their vehicles. It’s simple, safe and you can choose who rents your car and when.
Drive green and save!
Have you made the environmentally responsible choice to buy an electric vehicle or a rechargeable hybrid? Insure it with Intact Insurance and you can receive a 20% discount on your auto insurance premium!
On top of this “electrifying” discount, you can also receive a free* one-year membership in the Association des véhicules électriques du Québec (AVÉQ), an organization dedicated to promoting the advantages of “driving green” and to improving the province’s charging infrastructure. Your AVÉQ membership gives you access to exclusive offers, including discounts on electric car purchases or rentals and on the cost of buying your own charging station.
With Intact Insurance, it pays to plug in!
Certain conditions, limitations and exclusions apply. See the eligibility conditions for details of this offer.
* Purchase or renewal of the membership in AVÉQ is paid for by Intact Insurance. A $44 value.
Get the best value for your money with car insurance and home insurance bundles from Intact Insurance
Synchro Insurance is the perfect marriage between your home insurance and auto insurance. This winning combination gives you superior insurance coverage and up to 15% off your home insurance premium.
Savings and payments on your car insurance
At Intact Insurance, we treat each person as an individual.
We work with local, brokers to offer insurance coverage and premium amounts unique to you. Speak with a broker to help navigate through the different car insurance coverage options to ensure your discounts are built right into the price you pay.
We offer a variety of convenient payment options to help make it easier to manage your payments.
Car Insurance Claims
No one wants to be involved in an accident, but if you need to make a car insurance claim we’ll get you through the process as quickly and efficiently as possible.
30 Minute Claims Guarantee
When you call Intact Insurance to report a claim, we guarantee that within 30 minutes of answering your call, one of our dedicated claims representatives will start your claim.
Third party liability: mandatory for everyone (Section A)
In Québec, all owners of a road vehicle have to buy third party liability insurance from an insurer. This insurance covers damage caused by your car to another person.
Insurance against damage to your vehicle: Protecting your car (Section B)
Four types of coverage are available:
“Collision or overturning”: Covers damage to your care and to equipment and accessories in case of collision or rollover only
“Risks that are not a collision or overturning”: Covers damages to your car in case of theft, fire, hail and glass breakage.
“Comprehensive”: Covers damages to your car and to equipment and accessories.
“Specified risks”: Covers damages to your car for the risks specifically named in the contract. This coverage is more limited.
coverage Enhance your basic policy by adding the additional coverage that suits you or enrol in Proplan, the all-in-one plan from Promutuel Insurance.
Replacement value, reimbursement of expenses in case of accident, coverage for damage to rented or borrowed vehicles, personal insurance… select according to your needs.
When leaving your car:
Never leave your car running, not even for a few minutes
Always take your keys with you
Lock your doors
Hide any items that might attract attention in the trunk: wallets, purses, cameras, tablets, etc.
Lock your front wheels and set your parking brake to make it difficult for thieves that use tow trucks.
Park in a well-lit, high-traffic area when possible.