Automobile insurance - Additional protections

To complete you basic contract and offer you a personalized solution, we offer you different endorsements.

Plus Package

Most of our insurance companies offer this endorsement package at a competitive price. Also, if you insure your vehicle and your home with the same insurance company, you will get this package for free. We highly recommend it. The Formulaires de l’Assurance Automobile du Québec (F.A.Q.) explains its contents :

• Drive Other Automobiles Endorsement (Q.E.F. No. 2)

The insured who designates a person, other than his spouse, to benefit from his civil liability protection while he is driving or using another non-designated vehicle, must add this endorsement to his car insurance policy.

• Loss of Use Extension Endorsement (Q.E.F. No. 20A)

In the event of loss or damage to the automobile for which indemnity is provided, this protection covers certain fees, including the cost of a temporary rental car.

• Civil Liability for Damage to Non-Owned Automobiles Endorsement (Q.E.F. No. 27A)

This coverage protects you in the event of loss or damage to a borrowed or rented automobile that does not belong to you. An insurance limit is determined and can vary depending on the insurance company.

• Accident Benefits (Q.E.F. No. 34)

In case of physical injury, the insurer guarantees compensation. The coverage of each division is granted per person and per accident up to the limit stipulated in the special provisions.

• Removal of the Deductible

The deductible is removed (if the entire vehicle is stolen, it is not considered a total loss by all insurers.)

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Replacement Value

In case of total loss, you will be compensated for the price of a new vehicle with the same characteristics, equipment and accessories. If it is not available, a compensation for a new vehicle of similar nature and quality with similar accessories will be provided.

The compensation will be given for the value of the new vehicle, not at the depreciated value of the previous one.

Conditions apply to this protection.

Replacement Guarantee

You are looking for a less rigid product than the replacement value? We offer a replacement guarantee for your new or used vehicle:

• For a new vehicle: in case of total loss of your new vehicle, this guarantee allows the replacement of this vehicle by taking into account the difference between the price to pay for the same vehicle of the current year and the amount paid (depreciated value) by your standard insurance policy.
• For a used vehicle: in case of total loss of your used vehicle, this guarantee allows the replacement of this vehicle without surpassing, in value, the original amount paid indexed of 5% per composed year, calculated according to the number of days between the date of delivery of the vehicle and the date of the accident.

The replacement guarantee offers a coverage period of up to 84 months. As opposed to replacement value, it is a separate contract from your standard insurance policy.

This guarantee offers many advantages:

• You can replace the previous vehicle with a new one from another car maker, as opposed to the replacement guarantee offered at dealerships.
• Paid deductibles in case of total loss (unlimited for vehicles worth less than 80 000$ and up to a maximum amount of 1000$ for vehicles worth 80 001$ to 120 000$) and, in case of partial loss, a maximum of 250$ per event.
• No claim limit for deductibles
• No mileage limit

Interested? For more information, visit the website of our service provider Cime.

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0$ Collision Deductible

We can help you benefit from a 0$ deductible with some of our insurers. In the case of a claim, you would not have to pay anything from your pocket.

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Driving Record Protection

This endorsement allows you to maintain a good driving record even after an accident you are responsible for, and will prevent your insurance premium from going up.

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Roadside Assistance Program

This is a complete roadside assistance program and an aid for drivers that can be added on your insurance contract. The types of services and politics differ depending on the insurance company. Here are the most common ones:

• Towing Service
• Flat Tire Change
• Overvoltage
• Emergency Fuel Service
• Lockout Service
• Accident Towing
• Travel Assistance
• Rebates and Various Promotions

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