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Frequently Asked Questions on Auto Insurance
Is a copy of my insurance certificate as valid as the original certificate?
In Quebec, yes. The copy of your certificate that you can download and print from our Online Client Services is just as valid as the original certificate.
The copy contains exactly the same information as the original certificate. You can print it in either colour or black and white and not be afraid to show it to a police officer should the need arise. However, you should make sure that all of the information is visible after you print it.
Why do insurance companies check my credit file?
We check your credit file only to offer you the best insurance premium possible.
It has been shown that credit files are effective in predicting future insurance claims. That is why we use this, along with other information about your property or automobile, in order to determine the best insurance premium for you.
When you take out an insurance policy with us, we also use your credit file to determine your payment terms. Afterwards, when it’s time to renew or change your insurance policy, we update information collected so we can continue to offer you a customized price.
Credit agencies distinguish between consulting for insurance purposes and consulting for a loan. This means that when we verify your credit file, it isn’t affected.
What happens if I don’t want my credit file to be checked?
We respect your decision and will offer you an insurance premium, although you might not receive the best insurance premium.
For more information, refer to the brochure All about credit information and insurance published by the Insurance Bureau of Canada.
Can I Let My Friend Drive My Car? Will He or She Be Covered?
If you lend your car, you also lend your insurance. If anything happens, your friend will be covered under your auto insurance policy, as long as he or she has a valid driver’s license and meets the other conditions of your policy.
If your friend is involved in an at-fault accident while driving your car, it could affect your insurance premium.
If you lend your car to someone, remember that your auto insurance coverage may not apply if he or she does not have a valid driver’s license.
By Law, What Coverages Must I Have?
To drive a vehicle in Québec, you must have the following minimum insurance coverage:
This coverage protects you if you’re involved in an accident and you damage someone’s property, or if you accidentally cause an injury or fatality. According to provincial law, you must have at least $50,000 in civil liability coverage for a private passenger vehicle and at least $500,000 for a recreational vehicle such as a snowmobile or a VTT, but most people choose a limit of $1,000,000 or $2,000,000.
Other coverage is optional, but is often required by creditors or lessors if your vehicle is financed or leased.
To find out more, read Choosing the Right Kind of Auto Insurance.