Auto insurance
What different types of coverages are available?
When it comes to auto insurance, there are basic coverages you can take out along with additional protections.
We care about you
Our auto insurance brokers take the time to listen proactively and understand your needs. We care about your peace of mind and work hard to keep you satisfied and make sure you always have adequate coverage.
Our professionals offer expert guidance and advice to get you the coverages that best meet your needs. You can travel with ease, knowing you’re protected.
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We care about saving you money!
Everyone wants a good deal on insurance. You may think you’re getting a bargain but look a bit closer and you might find there are some important details that are easy to overlook and can have major consequences when it comes time to file a claim.
With a BC ASSUR auto insurance broker working hard for you, you have an expert to help you make sense of all those details you might miss. We want to make sure you have the best coverage possible! In the event of a claim, we think it’s critical to take full advantage of your coverage so it works for you, not the other way around.
That’s one of the advantages of working with BC ASSUR! Our brokers have access to a wide range of markets and insurers in Quebec. Not only do you benefit from our expertise, you also have many options and prices to choose from. Our job is to get you the best coverage at the best price, saving you hours of time searching for the right product.
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Whether you have a regular, electric or hybrid vehicle, there’s no better broker than BC ASSUR to give you insurance advice.
Close to 60 brokers on your side!
BC ASSUR is here for you, no matter where you are in our beautiful province. We can meet you in person at one of our offices located in 8 regions of Quebec. We’re also available by phone or online to serve clients throughout the province.
Our team specializes in all kinds of property and casualty insurance. We’re continually developing our expertise through professional development to respond to changing risks and offer solutions that protect your assets and finances.
Your auto insurance, your way
At BC ASSUR, we know how much freedom a vehicle provides. Not only do we rely on our cars to get to work and run errands, we also use them for recreation and travel.
With a specialized auto insurance broker like BC ASSUR, you can be sure you’re getting high-quality service. Our experts take the time to proactively listen so we can understand what you really need. We help you get the right coverage, from collision, vandalism, liability, theft and more. We’re proud to offer you the widest choice of insurers, which means you get the best coverage at an extremely competitive rate.
Our goal is to get you the best deal. All it takes is one call for our dedicated brokers to protect your interests with insurance companies.
Basic coverage
Mandatory liability insurance:
If you’ve just bought a new vehicle, an important first step is taking out legally required liability insurance from a minimum of $1,000,000 to a maximum of $2,000,000. This insurance covers losses, such as bodily injury or property damage, caused by your vehicle.
You must keep this proof of insurance with you, as it can be requested at any time by a police officer or provincial agent.
Other coverages below.
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All perils :
Covers all types of loss or damage to your vehicle and to equipment and accessories.
Collision or upset :
Covers damage caused by impact with another vehicle or if your car flips over. Also covers damage to equipment and accessories and includes vehicle breakdown.
Comprehensive :
Covers you in the event of theft, fire, vandalism or hail.
Specified perils :
This coverage is more limited to specific risks such as theft and fire.
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Optional coverages :
There are additional coverages you can take out that offer extra protection in the event of a claim.
You can add endorsements to your basic auto insurance policy, such as:
Waiver of depreciation :
In the event of a total loss claim, this endorsement offers replacement value if your new car is stolen or damaged beyond repair, depending on the coverage you choose (2, 3 or 4 years).
Roadside assistance :
Another endorsement you can add to cover breakdowns, fuel delivery, boosts and even towing expenses if you’re unable to drive your vehicle due to a covered loss.
Personal effects :
You can also protect your personal belongings transported in your vehicle in the event of a claim by adding this special endorsement.
Comprehensive :
Covers you in the event of theft, fire, vandalism or hail.
Specified perils :
This coverage is more limited to specific risks such as theft and fire.
Contact us today for an auto insurance quote and get advice from our specialized brokers!
Frequently asked questions :
New driver? An auto insurance broker is on your side as you take those big first steps!
Just bought your first vehicle? BC ASSUR is here for you as you embark on this exciting new adventure. We’ll help you take to Quebec’s roads and highways with peace of mind, just as we’ve done for so many other new drivers.
Our brokers are here to answer any questions, ease your worries and help you get your first auto insurance policy. Get advice from our experts along with auto insurance tips and tricks. It all starts with BC ASSUR!
Have a second vehicle or a second or third driver to insure?
Need a second vehicle? Have a teen who’s just finished driving lessons and wants to borrow your car? Working from home and sharing a vehicle with your spouse?
Whether it’s adding one or more vehicles, or other drivers to your auto insurance coverage, BC ASSUR is here to meet your needs and find you the right product with the right insurer.
Want to insure a hybrid or electric vehicle?
The auto industry is constantly evolving, and innovation is driving the development of new green technology solutions. There has been a huge expansion in the electrification of Quebec’s highways, and EVs are becoming more and more popular.
Since 2021, BC ASSUR has been the official sponsor of the Salon du Véhicule électrique du Saguenay-Lac-Saint-Jean and participated in various related events. We’re preparing for the future, so we can serve this new, ever-growing clientele.
How much does insurance for an electric or hybrid vehicle cost? Do I get a discount or rebate when I insure a zero-emission electric vehicle? These are the kinds of questions we’re sure you have and that our specialized BC ASSUR auto insurance brokers will answer for you, so you get the right insurance for your electric or hybrid vehicle.
Hard to insure?
No worries, BC ASSUR is here to help you get insurance for your vehicle. We’ll look at every last detail of your situation and refer your file to our partners to get you the best possible coverage.
Autres avantages chez BC ASSUR.
Our expert BC ASSUR brokers will not only get you the right auto insurance. In no time at all, we’ll also let you know about all the benefits and discounts provided by the various insurance companies we work with:
- Multi-vehicle discount
- Discount for bundling home and auto insurance
- Discount on certain coverages if you install an anti-theft system
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For more information, contact us today to get an auto insurance quote and expert advice from our specialized brokers!
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