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 vehicle while your own vehicle is being repaired as a result of a loss or accident3
You're covered when driving a rented or borrowed vehicle
Pay a single deductible when a loss affects two or more insured items
Which basic coverage is mandatory for your car?
Which optional 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 vehicle is damaged as a result of an accident for which you are not at fault.
$1M of coverage is generally recommended. Driving outside Quebec? It is recommended to increase your coverage to $2M.
Property damage coverages
You can add additional coverage to cover property damage to your vehicle in the following situations:
Other worthwhile options
This coverage is an interesting option if you have a new vehicle. 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 vehicle with the same features as those of the insured vehicle.
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
No deductible to pay in the event of a claim
Complete roadside assistance service
For your vehicle, anywhere in Canada and the United States, regardless of who's driving!
Should an accident deprive you of your vehicle for several days, this benefit covers the rental cost of a replacement vehicle 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 protection covers you against damage you cause to a borrowed or short-term rental vehicle. It avoids you paying additional insurance costs to the vehicle rental company.
"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).