Automobile insurance

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Get a car insurance quote online or by phone and find out why 96% of our clients would choose us again!

Benefits of our car insurance



Claim forgiveness coverage: avoid premium increases resulting from one or even two auto claims!



Get full roadside assistance for only $2 per month if you are between 20 and 30 years old!


Up to 20% off for drivers with no claims.


Receive a 15% discount on your electric or hybrid auto insurance.

Claim Forgiveness Coverage


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

Find out more


What is car insurance?



Mandatory coverage: civil liability insurance

This will cover you if you cause bodily injury or property damage to someone else. You will also be covered for damage to your vehicle in the event of a collision, if you are not at fault and the responsible party has been identified.

Insurers generally suggest increasing the coverage amount to $1 million. Drivers who travel outside Quebec are advised to increase their coverage to $2 million.

In the language of insurance, this coverage is called "Chapter A".


Options: coverages for property damage to your vehicle

Most popular options :

  • Collision or upset protection (Section B2), which covers damage to your vehicle in the event of a collision for which you are at fault or when you are the victim of a hit-and-run
  • Coverage against perils other than collision or upset (Section B3), which covers certain types of damage to your vehicle, such as fire, theft, vandalism and glass breakage.

Most popular options

Claim forgiveness coverage
An accident is the cause of an increase in your car insurance premiums? With the claim forgiveness coverage, you can avoid premium increases resulting from one or even two auto claims.

Travel costs (Q.E.F. or endorsement No. 20A)
This protection, useful in the event of an accident that deprives you of your vehicle for several days, covers automobile rental costs or public transportation or taxi expenses. Additional accommodation expenses are also covered if the accident occurs far from home.

Civil liability resulting from damage caused to vehicles of which the named insured is not owner (Q.E.F. or endorsement No. 27)
This protection covers damage to a borrowed or short-term rental vehicle. It often costs less than the insurance offered by the lessor.

Change to Indemnity (Q.E.F. or endorsement Nos. 43A and 43E)
This coverage, better known as “Replacement Value” coverage, is an interesting option if you have a new vehicle. It allows you to obtain a waiver of depreciation in the event of the total loss of your vehicle.
In the event of a partial loss, the insurer uses new parts to replace damaged parts that cannot be repaired.
In the event of a total loss, the indemnity corresponds to the cost of a new vehicle with the same features as those of the insured vehicle.


Add-ons: benefits that make all the difference

No matter what situation you are facing, we are by your side! Benefit form our assistance services offered at a preferred rate or free of charge:

How to file a car insurance claim

If a covered loss occurs: We're available 24 hours a day, 7 days a week, and we will process your claim quickly and fairly.

See the tips below for dealing with the most common situations.

Glass breakage

Civil liability



Partial theft and vandalism

Total theft


Bundle and save! Save up to $360 with our multi-product promotion when you bundle your car, home and leisure vehicle.1

Do you have children under age 16? Our Family promotion is offering you savings on your insurance! Save up to $100 on your new insurance.1

Are you between 20 and 30 years old? Our special offer for young adults was specifically created to help you save on insurance cost! Save up to $100 on your new home, auto or leisure vehicle insurance1 and benefit form full roadside assistance for only $2 per month.

Quebec public service employees and retirees: Exclusive advantages are in store for you! Save Up to 19% in additional discount  on your home, auto or leisure vehicle insurance.


Contests and promotions

Enter the La Capitale's 75th Anniversary contest by requesting an auto insurance quote.

Prizes: a 2015 Nissan Leaf SV electric car, includes a lifetime Airmedic coverage and 8 other Yamaha grand prizes.


Our partners:

Get an auto insurance quote by calling 1 888 522-5260.

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8:30 a.m. to 4:00 p.m. Saturday

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. 1. Savings apply to new two-year policies. Promotion reimbursement by cheque or bank deposit. 2. Source: CROP survey of 600 clients with home and auto claims, May 2014. 3. Maximum reimbursement of $100 per product. Up to $50 on each new one-year home, auto or leisure vehicle policy. Applicable to new two-year home, auto and leisure vehicle policies.