Save up to $360 when you bundle your insurance1
Our Auto insurance has advantages for everyone!
- Young drivers
- Public Services
No matter what happens, we're there for you with services and advantages that make a difference.
Are you between 20 and 30 years old? Exclusive savings and advantages are in store just for you!
Do you have children under age 16? Our Family promotion was designed to help you save money, while taking care of your family!
Quebec public service employees and retirees: Exclusive advantages are in store for you to thank you for being there every day, for us and our families!
- Get an additional discount of up to 19% for you as a public service employee or retiree
- Get an additional discount on your auto insurance if you are a La Capitale partner group member
- Payroll deduction available 2 : we know you have a lot of things to think about. That's why we offer payroll deduction, which spares you from having to manage your savings, premium payments or contributions
- Free accident and accidental death insurance : we want to help lighten your load in the event of accidental death
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.
What does auto insurance include?
You are covered by your auto insurance if you cause damage to other persons and if your vehicle is damaged in an accident in which you are not at fault.
$1M of coverage is generally recommended for civil liability (Section A) in your auto insurance. Driving outside Quebec? It is recommended to increase your coverage to $2M.
for property damage
to your vehicle
Based on your situation, add optional coverage for property damage to your vehicle:
- In the event of a collision in which you are at fault or you are the victim of a hit-and-run (Section B2)
- In the event of fire, theft, vandalism and glass breakage (Section B3)
Other popular auto insurance coverages
When renewing your insurance, you notice that your premium has increased because of an accident. With claim forgiveness, you 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.
Borrowed or short-term rented car (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. In your auto insurance contract, search for "Civil liability resulting from damage caused to vehicles of which the named insured is not owner".
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.
Purchase price option for used cars (Q.E.F. or endorsement No. 43D)
In the event of a total loss, this optional coverage ensures that you will be compensated based on the price paid for your new used car, not considering depreciation.
Your questions about Auto insurance
If I sell my car to another person, what can I do to limit my liability?
It's important to have a written contract. Make sure you include the following in the document:
- your name and that of the buyer
- the make and model, the year of manufacture, the mileage and the serial number of the vehicle
- information on repairs carried out or known problems
- a statement to the effect that the sale is being made with no guarantee against hidden defects or that the vehicle is being bought at the buyer's own risk.
Am I covered in the event of an accident that occurs when I have loaned my car to my child or a friend?
You can lend your car to anyone who has a valid driver's licence. If this person has an accident while driving your car, you will receive compensation based on the coverage provided under your car insurance contract. Someone frequently drives your car? Contact your insurer to make sure you’re properly covered!
What impact does the Automobile Claims Database (FCSA) have on the calculation of my Auto insurance premium?
The Automobile Claims Database catalogues all automobile losses for the last six years, whether or not a claim is filed. It allows your insurer to determine the risk that you represent and establish your premium accordingly.
Why does my Auto insurer want to access my credit information?
One of the key principles of insurance resides in finding the right balance, meaning the premium paid must reflect the risk to be insured. To determine the risk, and the car insurance premium amount to be paid, your insurer will look at different criteria, including your credit information.
"Very satisfied. "
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. "
- M. 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 ! ”
- Mme Canning
Do you often drive to the United States?
If so, you should increase your Civil Liability insurance coverage to $2M
Although the use of hands-free devices is tolerated, it is just as dangerous as holding your cell phone in your hand while driving.
Want to avoid a car insurance premium increase after an auto claim? It's possible with an optional auto claim forgiveness coverage!
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 home, leisure vehicle and car insurance policies, and include a promotion reimbursement by cheque or bank deposit. 2. Participating employers only.