Car
Making sure your car is well protected so you can drive worry-free.
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Getting behind the wheel is a cherished freedom, but it also comes with responsibilities. Accidents, breakdowns, and theft can happen to anyone. With our car insurance, you can travel with peace of mind knowing you’re well protected.
Standard coverage
It is everyone’s responsibility to protect themselves.
In Quebec, civil liability insurance is mandatory, with a legal minimum coverage of $50,000. However, this amount is often insufficient for many situations. At Malouin Insurance, we recommend a coverage level of $2 million. You can also add various coverage options based on your specific needs.
Additional coverage
Your situation is unique, and your car insurance should reflect that.
Every driver and vehicle is different. Factors such as your car’s value, how you use it, the number of drivers, and any out-of-state travel can all impact your needs. Therefore, it’s essential to customize your coverage. For instance, you might want to include a rental car option in case of an accident, or you could choose to pay a higher deductible in exchange for a lower premium. We will carefully review all these details with you to ensure that your insurance meets your specific expectations.
FAQ
Answers to your questions!
If I travel outside of Quebec and have an incident with my vehicle, am I covered?
Yes, you are covered. However, if your trip lasts more than 14 days, you must notify your insurer, as the rules vary outside the province.
If I use a rental vehicle while traveling, do I need to take out additional insurance?
In Canada and the United States, you may not need additional coverage if you already have adequate insurance for a vehicle similar to yours. However, in other countries, you will likely need to use the rental company’s insurance. Plus, civil liability and vehicle damage are handled differently. It is always best to discuss your specific situation with your insurance broker.
Is my vehicle insured if I lend it to a friend and they have an accident?
Any driver with a valid driver’s license is allowed to drive your vehicle. In the event of an accident, your coverage will apply based on the insurance you have. However, you must declare any driver residing in your household who holds a valid driver’s license, especially if that person regularly drives your car.
If I am not at fault for the accident, will the other party's insurer cover the damage to my car?
The insurer of the vehicle at fault will generally pay for repairs, depending on your coverage.
I was involved in an accident; another vehicle hit my parked car. Will I have to pay a deductible?
No deductible applies in the case of a non-fault collision.
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Get a quote
At Malouin Assurance, we believe that peace of mind starts with a quote. Our quoting process is simple, personalized, and always tailored to your specific needs.
Talk to a broker 1-888-625-6846
Partners
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