Auto insurance

Claim forgiveness coverage

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or call us to add this coverage!
1 888 522-5260

Avoid premium increases resulting from one or even two auto insurance claims!

For less than $4 a month to ensure peace of mind.

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No obligation

Claim forgiveness continues to apply for as long as you have a personal automobile insured with us, even if you decide to remove the coverage.

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All is forgiven

Even for accidents you are held liable for, or if you're the victim of fire, theft or vandalism, your premium won't increase.

Watch the video (in french only)



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Young drivers

Peace of mind for parents allowing their kids to drive! It's the only coverage of its kind offered to young drivers without requiring at least five years of driving experience.

Watch the video (in french only)

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Competitive rate

It’s worth paying a few dollars a month to avoid what could be a considerable premium increase in the event of a claim.

Get a car insurance quote online or by phone!
 

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Not yet convinced or want to find out more?
Consult our frequently asked questions.

Does the endorsement guarantee that my premium will never increase?

The most significant premium increases are based on loss experience. This endorsement allows you to avoid greater premium increases in the event of a claim. Premiums can always vary slightly from year to year as a result of underwriting revisions or in response to inflation. Such increases are minor. 

I know someone who had this coverage, and when he needed it, it didn't do him any good.

The coverage our competitors offer is not exactly the same as ours. Our coverage offers the best value for your money, because it applies to all types of auto claims. It can also be removed at any time, with no impact on claims to which forgiveness has already been applied. 

I already have this coverage from my current insurer.

The coverage our competitors offer is not exactly the same as ours. Our coverage offers the best value for your money, because it applies to all types of auto claims. It can also be removed at any time, with no impact on claims to which forgiveness has already been applied. 

Because I am on a tight budget, I do not want to pay for this coverage.

We understand the importance of budgets. Actually, this endorsement can help you manage your budget, because it protects you from claim-related increases in your insurance premium. $45 a year works out to a little more than $3 a month. It's worth it to pay this small amount to avoid an increase of up to 25% in the event of a claim. 

I don't need this coverage, because I have never had an accident or a claim.

Actually, this endorsement will protect your good driving record. Anyone at all can be involved in an accident. Once you file a claim, you will no longer be eligible for this coverage, and your premium will increase. Wouldn't it be better to protect your good driving record? Industry data indicate that an insured has an accident at least once every seven years. 

I don't have collision insurance, so I don't need this coverage. 

The claim forgiveness endorsement covers all types of loss that can affect pricing. For example, in the event of theft, you would be covered under your endorsement. If you replace your vehicle with a newer model with more coverage, the forgiveness will still be applied to the theft, and your premium will not increase.

Can I decide when I want to have the endorsement removed?

Certainly! Not only can you have the endorsement removed at any time, but you can also remain insured with La Capitale. Claims that were forgiven while you had the endorsement will have no impact on your premium.

Once the claim forgiveness has been applied to two claims, how much longer will I have to keep the endorsement?

You can decide to have it removed at any time. Furthermore, if you have had two forgiven claims, when the time comes to renew the endorsement, an agent will contact you to ask if you want to have it removed.

Firm in Damage Insurance. At all times, terms and conditions pertaining to coverage are governed solely by the insurance contract. Some conditions and exclusions apply.