Whether you are a new driver in Quebec or a seasoned one, you would want to find the right auto insurance.
You can refer to the questions below to help you in your search for the best and most affordable coverage.
Can an international student get auto insurance in Quebec?
Yes, foreign students in Quebec can obtain auto insurance. However, it may involve more challenges compared to local residents. Policies may also be more expensive. Individuals with no driving history in Canada are considered new drivers and may be charged higher premiums.
Do learners or student drivers also need insurance?
No matter what type of driver’s license you have, even if you are still a learner driver, you are required to have insurance.
Is insurance in Quebec for the account of the car owner or the driver?
Accidents in Quebec are always filed under the driver’s file and not the vehicle owner’s file. Other people can drive your car as indicated in your car insurance. Drivers must have a license and have your consent to drive your car and use it for legal purposes. If the person who borrowed your car has an accident, you can be reimbursed if the driver is not at fault or if you have collision coverage.
Do young drivers really pay the highest premiums?
Yes, because statistically, young drivers are at a higher risk for accidents. For insurance companies, young drivers do not have enough driving experience and are more prone to make mistakes on the road.
Can a young driver just be listed on a parent’s policy?
Yes and no. If a student driver only borrows the car occasionally, he can remain on a parent’s insurance policy. If the young driver has his own car, he needs his own insurance coverage.
Do student drivers really need private auto insurance?
Quebec law mandates all drivers to have public insurance from the Societe de l’Assurance automobile du Quebec (SAAQ). This government insurance actually applies to all residents, with or without a driver’s license. This coverage pays for injuries due to road accidents.
Private auto insurance (referred to as Part B) is also required to cover damage to another person’s vehicle if you are at fault in an accident. This is often referred to as 1-way insurance.
The only optional coverage is damage to your own vehicle if you caused the accident. If you have a new or valuable car that would be costly to repair, it is advisable to get this type of cover. It is also referred to as 2-way insurance.
Do you have more questions in mind? You can fill out the form on this page to connect with reliable insurance experts to help you.