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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", previously called Comprehensive, 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.

Drive worry-free, with additional auto insurance protection

If you have a good driving record, it’s only natural that you want to protect it. Do you also want to be able to count on a roadside assistance service in case of trouble along the way? Safeguard your good record and drive worry-free with My auto privilege®. This combination of two coverages adds up to peace of mind and confidence on the road.

my Driving Discount®: an auto insurance program based on your driving habits

Some people have better driving habits than others. That's why we have our my Driving Discount program that rewards good driving behaviour. Through this program, you could save up to 25%* off your car insurance premium.

Uber Ridesharing

If you are an Uber driver in Quebec, Intact now provides a commercial insurance policy that covers you from the moment you make yourself available to accept an Uber ride request, to the moment the last passenger exits your vehicle.

Turo Car Sharing

Is your car sitting idle in your driveway? Put it to work and earn extra income by listing it with Turo - an online marketplace that allows private car owners to rent out their vehicles. It’s simple, safe and you can choose who rents your car and when.

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!

Certain conditions, limitations and exclusions apply. See the eligibility conditions for details of this offer.

* Purchase or renewal of the membership in AVÉQ is paid for by Intact Insurance. A $44 value.

Get the best value for your money with car insurance and home insurance bundles from Intact Insurance

Synchro Insurance is the perfect marriage between your home insurance and auto insurance. This winning combination gives you superior insurance coverage and up to 15% off your home insurance premium.

Savings and payments on your car insurance

At Intact Insurance, we treat each person as an individual.

We work with local, 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.

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