In Quebec, the insurance contract for a vehicle (automobile, motorcycle, etc.) is standard. The only difference lies in your choice of coverage. You can add different coverage options in addition to the compulsory civil liability coverage.
All persons driving your vehicle are protected for damage caused to third parties, whether or not they are named in the policy.
The owner is protected for damage to the vehicle itself if the policy includes optional insurance. However, both secondary and occasional drivers of the vehicle should be named in the policy to avoid any surprises.
Under Quebec's Automobile Insurance Act, you are required to have civil liability insurance coverage of at least $50,000. Civil liability coverage protects you for:
However, it's advisable to hold $1 million of civil liability coverage. You'll be better protected if you cause damage to a third party or if you drive outside Quebec. This coverage is available for only a few dollars more.
In insurance jargon, this portion is known as Section A.
The optional portion is known as Section B of the insurance contract. If you were to have an at-fault accident, you need to have coverage for damage to your vehicle if you want your insurer to pay for these damages.
You can choose between different types of coverage in this portion of your automobile insurance policy. Here are a few:
In addition to your compulsory and optional coverage, you can add other types of coverage to your car insurance policy. These additions are called endorsements. One of the most popular is the replacement cost endorsement.