Types of car insurance coverage
No matter what kind of vehicle you are insuring you can choose various levels of coverage, depending on how much protection you want for your car insurance:
- Collision and Upset coverage protects you from costs to repair damage to your vehicle caused by impact with another vehicle or an object such as a guardrail.
- Coverage against perils (other than collision or upset) protects you from costs to repair damage to your vehicle from unexpected situations such as fire, theft, vandalism or natural disasters.
- All Perils protection combines both of the above coverages.
- Specific Perils coverage protects your vehicle only against specific dangers, such as theft or attempted theft, some natural disasters, riots or civil disturbances.
Car Insurance Coverage Based on Your Vehicle
Car insurance liability coverage is mandatory for driving in Canada. Beyond that, there are other options to consider for your ideal coverage.
Learn more on car insurance coverage based on your vehicle
The type of vehicle you drive is one factor that determines what type of car insurance you need.
If you own a brand new car, for example, you may want your insurance policy to cover the full replacement cost in the event of an accident.
Car Insurance Coverage Based on Your Driving Habits
Do you commute every day, or save your driving for weekends? Are you running errands or carpooling?
Learn more on car insurance based on your driving habits
Your driving habits affect your insurance risks.
Drive green and save!
Have you made the environmentally responsible choice to buy an electric vehicle or a rechargeable hybrid? Insure it with Intact Insurance and you can receive a 20% discount on your auto insurance premium!
On top of this “electrifying” discount, you can also receive a free* one-year membership in the Association des Véhicules Électriques du Québec (AVÉQ), an organization dedicated to promoting the advantages of “driving green” and to improving the province’s charging infrastructure. Your AVÉQ membership gives you access to exclusive offers, including discounts on electric car purchases or rentals and on the cost of buying your own charging station.
With Intact Insurance, it pays to plug in!
* Purchase or renewal of the membership in AVÉQ is paid for by Intact Insurance. A $44 value.
Certain conditions, limitations and exclusions apply. See the eligibility conditions for details of this offer.
AVÉQ is the largest electric vehicle association in Canada. It is involved in many events to raise public awareness of the advantages of electric vehicles. AVÉQ has thousands of active members and is a source of information and resources on electric mobility in Quebec. The association’s website hosts several forums where electric car owners can exchange information and ideas.
Get the best value for your money with car insurance and home insurance bundles from Intact Insurance
One bill. One payment. One renewal date. It's that easy!
Savings and payments on your car insurance
At Intact Insurance, we treat each person as an individual.
We work with local, independent brokers to offer insurance coverage and premium amounts unique to you. Speak with a broker to help navigate through the different car insurance coverage options to ensure your discounts are built right into the price you pay.
We offer a variety of convenient payment options to help make it easier to manage your payments.
Car Insurance Claims
No one wants to be involved in an accident, but if you need to make a car insurance claim we'll get you through the process as quickly and efficiently as possible.
30 Minute Claims Guarantee
When you call Intact Insurance to report a claim, we guarantee that within 30 minutes of answering your call, one of our dedicated claims representatives will start your claim.