Frequently Asked Questions – COVID-19

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Last updated on February 4 at 9:00 a.m.


Auto insurance

What did the auto insurance premium reduction consist of?

A premium reduction was offered from April 1 to June 30, 2020 to all of La Capitale’s personal or commercial auto insurance clients.1

I am not using my vehicle as often as I used it to, should I call you?

If the use of your vehicle has changed, you can complete the Change of Use of a Motor Vehicle form to update your file.

You can also contact us:

  • For a personal vehicle, please dial 1 844 780-8136.
  • For a commercial vehicle, please dial 1 844 780-4260.

If eligible, your auto insurance premium may be adjusted to reflect your reduced mileage and actual use of the vehicle.

Can I expect a premium reduction at the time of renewal?

If you did not contact us to indicate changes to the use of your vehicle, your premium on renewal will be calculated based on the usual criteria. Please note that the 20% premium reduction resulting from the confinement period was already applied on our insureds' auto insurance premiums.

If the use of your vehicle has changed, please contact us at the numbers below so that we can update your file:

  • For a personal vehicle, please dial 1 844 780-8136.
  • For a commercial vehicle, please dial 1 844 780-4260.

If eligible, your auto insurance premium may be adjusted to reflect your reduced mileage and actual use of the vehicle.

Does my auto insurance contract allow me to use my personal vehicle to make deliveries?

During the confinement period, we allow all our insureds to temporarily use their personal vehicles for deliveries at no extra cost, to provide essential services to the public. It is therefore important for you to call us at 1 844 780-8136 to update your file if you are using your vehicle for this purpose.


Home insurance

I am teleworking and had to bring home property for occupational use or I use my personal computer for work purposes. Am I insured for that? If so, what are the limits?

Given the current context, we decided to remove the usual limits related to occupational activities performed from home.

Don’t hesitate to contact us at 1 844 780-8136 to check whether the terms and conditions included in your contract meet your needs.

Can I expect a premium reduction at the time of renewal?

Given the significant increase in construction material resulting from the pandemic, it is unlikely that your home insurance premium will decrease on your next renewal;

however, your premium may change if the current situation has brought about changes in your lifestyle. It is important that you contact us at 1 844 780-8136 so that we can update your file.


Commercial insurance

My commercial premises are temporarily unoccupied due to COVID-19. What do I need to do to maintain my business insurance contract in the event of loss?

  • Ensure that your alarm system is in good working order.
  • Do a full visit of your buildings or premises at least once a week and record these visits.
  • Maintain the temperature at a minimum of 15°C.

Do I need to inform you that my business has been temporarily closed?

No, you don’t need to call us if you take the following preventive measures: 

  • Maintain your alarm system in good working order.
  • Do a full visit of your buildings or premises at least once a week and record these visits.
  • Maintain the temperature at a minimum of 15°C.

I have had to temporarily cease my activities. Can I cancel my insurance contract?

Even though your business is temporarily closed, you may have a legal obligation to maintain your insurance coverage in force. This is the case if you have a commercial lease, a creditor or another third party involved in your business. 

Call us at 1 800 644-0607 to find out what the options are in your situation.

I have had to definitively close my business. Can I cancel my insurance contract?

You must ensure that you no longer have any legal obligation to maintain your insurance coverage and take the necessary measures to protect your property. 

Call us at 1 800 644-0607 to find out what the options are in your situation.

Did you apply a premium reduction on my commercial vehicle insurance?

Yes. The collective effort by Quebec residents to respect the COVID-19 confinement measures is lowering the risk of road accidents. This should be reflected in the premium our insureds pay for their commercial vehicles during the confinement period.

A premium reduction was offered from April 1 to June 30, 2020 to all of La Capitale’s personal or commercial auto insurance clients.1

Will I receive a premium reduction on my business insurance?

It is unlikely that the current situation will cause a decrease in commercial insurance premiums.

Your commercial insurance covers a wide range of risks that could affect your commercial property and your civil liability. Most of these risks remain even during a temporary closure of your business. The current situation could even increase certain risks. 

Feel free to call us at 1 800 644-0607 for a monthly projection of the impact of the situation on your commercial insurance premiums or for any other questions.

Do I need to notify you when I resume my business activities?

If you didn’t request any changes to your contract while your activities were interrupted, it is not necessary to notify us when you resume them.

Call us at 1 800 644-0607 if there were changes to your activities, the value of your contents has increased or any other changes occurred that might require a modification of your coverage.

1. The premium reduction applies only to personal or commercial automobile vehicles. It does not apply to Automobile Insurance for garage owners and leisure vehicles such as motorcycles, mopeds, ATVs, snowmobiles, trailers, motorhomes or watercraft.