Benefits of insuring your car with La Capitale
No deductible to pay in the case of a total loss or if you are the victim of a hit-and-run2
Free courtesy car while your own car is being repaired as a result of a loss or accident3
You're covered when driving a rented or borrowed car
Pay a single deductible when a loss affects two or more insured items
Which basic car insurance coverage is mandatory for your car?
Which optional car insurance coverages are available?
Your auto insurance must at minimum cover your civil liability, to provide coverage for damage caused to third parties or if your car is damaged as a result of an accident for which you are not at fault.
$1M of third party liability coverage is generally recommended with car insurance. Driving outside Quebec? It is recommended to increase this coverage to $2M.
Property damage coverages
You can add additional insurance coverage to your auto insurance policy to cover property damage to your car in the following situations:
Other worthwhile options for your car insurance
This insurance coverage is an interesting option if you have a new car. It allows you to obtain a waiver of depreciation.
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, you get a new car with the same features as those of the insured car.
Claim Forgiveness Coverage
Avoid premium increases resulting from one or even two auto insurance claims!
Be compensated based on the price you paid for your used car in the event of a total loss!
$0 deductible option
With this car insurance coverage, you’ll have no deductible to pay in the event of a claim
Complete roadside assistance service
For your car, anywhere in Canada and the United States, regardless of who's driving!
Should an accident deprive you of your car for several days, this benefit covers the rental cost of a replacement car or public transportation or taxi expenses. If you are far from home, additional accommodation expenses are also covered. Verify the maximum amount included under your auto insurance contract.
This car insurance protection covers you against damage you cause to a borrowed or short-term rental car. It avoids you paying additional car insurance costs to the vehicle rental company.
Common questions about car insurance
How is the price of auto insurance calculated?
Your car insurance premium is calculated anew every time you request a quote to an insurance company, as well as with each renewal. Each calculation is personalized based on the information in your file, such as:
- Where you live
- Use of the vehicle
- The type of vehicle for which coverage is required
- Your credit rating
- Your claims or accidents during the last several years,
Other external factors come into play when calculating your car insurance premium. Among them, for example, is the price of parts and labour, or an increase or decrease in the number of auto insurance claims in the province.
How can you save on your car insurance?
- Make sure that your coverage is tailored to your needs. Ask your damage insurance agent for advice: that’s why he or she is there!
- Notify your insurance company if you are not using your car as often. Your auto insurance premium could decrease if you are putting less mileage on your vehicle.
- Bundle your car and home insurance with the same insurance company. This way, you may receive a discount on your home and car insurance.
- Mention that you are a member of a professional association when you ask for an auto insurance quote. You may be eligible for exclusive discounts available to members!
- Be a safe driver. Your good driving habits can earn you a discount on your auto insurance.
- Drive an electric or hybrid car. Many insurance companies offer an additional premium discount to drivers of eco-friendly vehicles.
Why does the cost of car insurance increase after a claim?
Statistics have proven that a person who makes an auto insurance claim is more likely to make another one in the following years. When submitting a claim or renewing your auto insurance, insurance companies will therefore check the number of accidents entered in your file at the Automobile Claims Database (FCSA) to determine your risk level. The more accidents you have on file, the higher the risk of being involved in another one and the more your car insurance rates are likely to increase.
Why does your auto insurer want to access your credit information?
One of the key principles of insurance is fairness. In other words, the premium paid must reflect the risk to be insured. Your credit information is part of the factors taken into account by your auto insurance company to determine this risk and your car insurance premium.
How to file a car insurance claim?
Need to make a car insurance claim related to a collision, fire, theft or vandalism?
Feel free to contact us, even if you’re not sure whether you need to file an insurance claim. We’re here to reassure you and help you take stock of the situation, as well as support you at every step of the claim process.
Did your vehicle’s glass break? You don’t need to call us. Take your vehicle as soon as possible to one of our approved glass repair experts. The repair expert will send us the information we need.
See the procedure to follow to settle your claim as soon as possible.
"When it comes to La Capitale's overall process for settling my claim, all I can do is offer my congratulations! My claims adjuster completed my file in less than 48 hours, and I was even able to monitor the progress of my claim online."
- Mr. Naud
“I have received a wonderful service!”
"My agent is efficient, helpful, always answers my questions, and is understanding to my needs. I will definitely continue to refer La Capitale to friends and colleagues!"
- Ms. Canning
Damage insurance agency. At all times, terms and conditions pertaining to coverage are governed solely by the insurance contract. Some conditions and exclusions apply. | 1. Average savings is based on a June 2017 SOM survey of 142 La Capitale clients who saved by bundling at least two products among home, auto and leisure vehicle insurance. In a similar survey conducted between October 2019 and October 2020, 423 clients stated that they saved an average of $560. | 2. Applicable for a hit-and-run in which the at-fault person could not be identified and a police report was provided. | 3. Collision and upset coverage required (Section B, protection 2).