End of the agricultural season
6 min
What to have on hand
To receive your quote quickly, here is the information you will need to have on hand.
For all types of insurance
- Effective date
- The name of your current insurer, if you are already insured
Auto
- The year, make, and model of the vehicle
- The driver’s license numbers for each driver
- Any traffic violations or claims over the past six years
- The date of purchase, if the vehicle is new
Auto insurance tailored to your needs
Your daily commute, your vehicle, and your budget all matter.
A broker takes the time to understand your situation. They clearly explain your options and guide you toward the coverage that meets your needs.
In Quebec, auto insurance is mandatory. A $2 million liability limit is recommended for adequate protection against liability claims.
Contact us for a quote
Recommended coverage
Your auto insurance coverage helps protect against accidents and damage to your vehicle.
Civil liability
Third-party liability coverage protects you if your vehicle causes bodily injury or damage to other people’s property. This coverage is mandatory for driving in Quebec.
- A pedestrian is injured in an accident involving your vehicle.
- Your vehicle damages a fence after leaving the roadway.
- Your vehicle strikes a utility pole or a guardrail.
All perils excluding collision or upset (comprehensive)
Certain events can damage your vehicle without direct contact with another vehicle. This coverage includes fire, theft, vandalism, and other damage such as glass breakage, hail and wind.
- Your vehicle is stolen or vandalized.
- A fire damages your car.
- A branch or object falls on your vehicle during a storm.
- An animal is struck on the road and damages your vehicle.
- A rock chips your windshield while driving.
Collision
This coverage pays for damage to your vehicle resulting from an impact or accident. It applies if your vehicle collides with another vehicle or object, or if it overturns. A deductible usually applies when a claim is filed.
- Your vehicle collides with another vehicle.
- Your vehicle strikes a pole or a guardrail while parking or turning.
- Your vehicle overturns after losing control on the road.
Accident benefits
This coverage provides a benefit payment if an accident results in serious injury or death. It can help cover certain medical expenses or provide financial support depending on the terms of the insurance contract.
- An accident causes injuries requiring medical treatment or rehabilitation.
- Permanent disabilities result from an accident.
- A death occurs following an accident involving the insured vehicle.
Optional auto insurance coverage
Certain coverage can be added to your auto insurance policy. This allows you to tailor your coverage to your situation
Weekly benefit
If a traffic accident prevents you from working, a weekly amount may be paid to you during your period of disability.
Good record protector
This endorsement must be added to your policy before a loss occurs. If you are at fault for a covered loss, it can prevent a premium increase, subject to the terms and conditions of your contract.
Roadside assistance
Roadside assistance provides help in the event of an unexpected incident on the road. It may cover towing, fuel delivery, or other services, subject to the terms and conditions of the policy.
- Your vehicle needs to be towed after breaking down on the road.
- Fuel delivery is required if you run out of gas.
Replacement cost coverage (Q.E.F. No. 5)
Replacement cost coverage (Q.E.F. No. 5) is an optional policy to your primary auto insurance policy. If your vehicle is declared a total loss or is stolen, this coverage provides additional compensation to help replace your vehicle and offset depreciation.
The amount you receive depends on the condition of the vehicle at the time of purchase and the terms of your policy.
- New vehicle: You are compensated based on the value of a similar new vehicle from the current model year, without depreciation applied.
- Used vehicle:
- Purchased from a dealer: You are compensated based on the purchase price, plus an indexed percentage for each year of ownership.
- Private purchase: You are entitled to a supplementary amount to the compensation from your primary insurer.
- No deductible in the event of a total loss
- Reimbursement of the deductible in the event of a partial loss, depending on the option chosen
- A courtesy vehicle during the claims process
- Premium guaranteed for the entire duration of coverage
- Financing terms available from 12 to 84 months
- TAG discount: Is your vehicle equipped with a tracking system? A discount is applied directly to your premium. The system must be installed within the timeframe specified in the contract for the discount to apply.
- Automobiles
- Motorcycles and three-wheel models
- Snowmobiles
- All-terrain vehicles (ATVs, quads, and side-by-sides)
- Recreational vehicles (RVs)
- Trailers and tent trailers
- Travel trailers and motorhomes
This coverage can be especially valuable during the first years of ownership, when depreciation is at its highest. It may allow you to receive more than your vehicle’s actual cash value in the event of a covered loss.
Contact us for a quote
Auto insurance discounts and savings.
A La Turquoise broker can help identify discounts and savings that may apply to your situation. Eligibility varies by insurer and policy.
Auto and home insurance discounts
Combining your auto and home insurance with the same insurer can often help you get a better rate and lower your premium.
Multi-vehicle
Insuring several vehicles in the same place may qualify you for a discount. This option often applies when several drivers in the same household are insured together.
No violations
A clean driving record can help you get a lower premium. Insurers take your driving history into account when calculating your premium.
Young drivers
Some insurers offer discounts based on the driver’s age. Successfully completing a recognized driver training course may also qualify you for a discount.
Anti-theft system or TAG
Installing an anti-theft system or a tracking device may reduce your premium depending on the equipment installed in your vehicle.
Driving rewards program
Some insurers offer a program that analyzes your driving habits through a mobile app. Careful driving may qualify you for a discount, such as savings on your premium or a gift card.
FADOQ member
Members of the Fédération de l’âge d’or du Québec may have access to discounts offered by participating insurers.
Preferred associations and member programs
La Turquoise collaborates with several associations, professional groups, and organizations to offer benefits to their members. Browse the list to see the associations and programs currently available.
Affinity programs and discounts
- Association of Canadian Travel Agencies (ACTA)
- Association des éducatrices et éducateurs spécialisés du Québec (AEESQ)
- Association des hôteliers du Québec
- Quebec Professional Home Builders Association (APCHQ)
- Association des propriétaires de salons de quilles du Québec (APSQQ)
- Association pour entrepreneurs en construction au Québec (ACQ)
- Fédération des producteurs forestiers du Québec
- NAPA Autopro
- Harnois (essence), Détaillant carburant
- Professionnels de l’esthétique et soins de beauté (APESEQ)
- Regroupement québécois des résidences pour aînés (RQRA)
- Arboriculteurs (Société internationale d’arboriculture Québec – SIAQ)
No results found.
Your questions about auto insurance
Have questions about car insurance in Quebec? Find clear answers about coverage options, legal requirements, and the factors that affect your premium.
The right insurance depends on your vehicle, your driving habits, and the coverage you need. A La Turquoise broker helps you understand the coverage that truly applies to your situation. They explain the options clearly to avoid any confusion and guide you toward the right coverage.
Your premium depends on several factors. A La Turquoise broker will help you understand these factors and identify potential savings based on your profile.
- Your driving record and claims history
- The make, model, year, and value of your vehicle
- Your place of residence
- The use of your vehicle
- The coverage you choose
The accident report form allows you to record the necessary information when an accident occurs between two vehicles with no injuries. It is filled out on the spot by entering the drivers’ contact information, vehicle details, and a clear description of the circumstances.
In Quebec, the Groupement des Assureurs Automobiles’ online accident report form allows you to send the information and photos directly to the insurers involved. Once completed, notify your insurer or broker to begin the claims process.
Access the online accident report form here: Fill out the online accident report form.
You are leaving the La Turquoise website
The online accident report is an external tool managed by the Groupement des Assureurs Automobiles. You will be redirected to their site to fill out your claim.
A broker compares several insurers to find the coverage best suited to your situation. They explain clearly what is and not covered and support you in the event of a change or a loss.
Liability-only covers civil liability for damage caused to others. Adding collision coverage protects your own vehicle in an accident. Comprehensive coverage includes non-collision events, such as theft, fire, or vandalism. The coverage you select, can have an impact on the cost of your premium.
Practical tips for everyday life
See all our tipsEnd of the agricultural season
Cyberattacks and SMEs: understanding cyber risks and the role of cyber insurance
Role, benefits and differences from a direct insurer
Career opportunities in property and casualty insurance
Building a meaningful career through real impact
Breaking into property and casualty insurance: the real path
Insurance solutions for every stage of life
Whether you’re buying your first home, insuring a cottage, protecting your vehicle, or operating a business, insurance solutions can be tailored to your needs.
