What's covered in case of theft?
If your vehicle is stolen, any accessories (like seat covers and ski racks) are covered by your auto insurance, while items left in the vehicle (like your camera, laptop, or coat) are covered by your home insurance.
Young drivers
Car insurance that works for you
Get great insurance without breaking the bank. If you are a young driver, you could take advantage of our exclusive group rates and an insurance premium that matches your financial reality.
Coverage for the unexpected
One day while driving, out of the blue, you lose control of your vehicle and crash into the side of a house. That’s when you’re happy to have Civil Liability coverage on your auto insurance policy to cover the damage to the property. This protection is mandatory.
It also covers bodily injury or death of someone who is hurt in an accident outside the province. In Quebec, bodily injuries that result from car accidents are covered by the Société de l'assurance automobile du Québec (SAAQ). If this is the only coverage you want, you’ll be what’s called “insured on one side” or insured against injury caused to others or damage to their property. Find out what other mandatory coverages you need on your insurance policy.
If you also want coverage for damage to your vehicle, you’ll need Collision and Upset and All Perils other than Collision or Upset. If you add these protections to your insurance policy, you’ll be “insured on both sides.”
You can also add optional coverages to meet your individual needs.
Potential savings
Young drivers
Older vehicle
If you own a low-value older vehicle (over 10 years old), you could save by choosing Civil Liability only.
Talk to one of our P&C insurance agents for advice on the coverage that's right for you.
Multi-Line discount
You can insure your car and apartment with us and save even more. Ask about the Multi-Line discount.
Higher deductible
You can increase your deductible (for example, from $250 to $500) to lower your insurance premium.
Discover our auto insurance savings for even more ways to save.
The information on this page is provided for informational purposes only. The terms and conditions of the coverages described are set out in the insurance policy, which always prevails. Certain conditions, limitations and exclusions may apply.
Information to have on hand when getting a quote
Information to have on hand when getting a quote
To get a home insurance quote, you'll need the following information about your property:
- Date you want your insurance to start
- Number and description of any past home insurance losses (type of loss, year)
- Home’s year of construction
- Ground floor surface area (excluding the basement)
- Year the entire roof was replaced
- Type of exterior siding (brick, stone, vinyl, aluminum)
- Heating systems (electricity, gas, dual energy, wood-burning stove)
- Information about the fuel oil tank (type, year)
- Information about the electrical panel
- Year the water heater was installed
- Information about your above ground pool (size, year)
- Security systems in the home
- Name and contact information of your mortgage lender
- Banking information for pre-authorized debit payments
Information to have on hand when getting a quote
Information to have on hand when getting a quote
To get a home insurance quote, you'll need the following information about your property:
- Date you want your insurance to start
- Number and description of any past home insurance losses (type of loss, year)
- Home’s year of construction
- Ground floor surface area (excluding the basement)
- Year the entire roof was replaced
- Type of exterior siding (brick, stone, vinyl, aluminum)
- Heating systems (electricity, gas, dual energy, wood-burning stove)
- Information about the fuel oil tank (type, year)
- Information about the electrical panel
- Year the water heater was installed
- Information about your above ground pool (size, year)
- Security systems in the home
- Name and contact information of your mortgage lender
- Banking information for pre-authorized debit payments
Information to have on hand when getting a tenant insurance quote
To get a tenant insurance quote, you'll need the following information about your unit:
General information
- The date you want your insurance to start
- Number of apartments in the building
- Security system in your unit, if applicable
Insurance history
- Number and description of any past home insurance losses (type of loss, year)
If you qualify to buy your tenant insurance online, you will also need the following information:
- Banking information for pre-authorized debit payments
Information to have on hand when getting a quote
Information to have on hand when getting a quote
To get a home insurance quote, you'll need the following information about your property:
- Date you want your insurance to start
- Number and description of any past home insurance losses (type of loss, year)
- Home’s year of construction
- Ground floor surface area (excluding the basement)
- Year the entire roof was replaced
- Type of exterior siding (brick, stone, vinyl, aluminum)
- Heating systems (electricity, gas, dual energy, wood-burning stove)
- Information about the fuel oil tank (type, year)
- Information about the electrical panel
- Year the water heater was installed
- Information about your above ground pool (size, year)
- Security systems in the home
- Name and contact information of your mortgage lender
- Banking information for pre-authorized debit payments
Information to have on hand when getting a quote
Information to have on hand when getting a quote
To get a home insurance quote, you'll need the following information about your property:
- Date you want your insurance to start
- Number and description of any past home insurance losses (type of loss, year)
- Home’s year of construction
- Ground floor surface area (excluding the basement)
- Year the entire roof was replaced
- Type of exterior siding (brick, stone, vinyl, aluminum)
- Heating systems (electricity, gas, dual energy, wood-burning stove)
- Information about the fuel oil tank (type, year)
- Information about the electrical panel
- Year the water heater was installed
- Information about your above ground pool (size, year)
- Security systems in the home
- Name and contact information of your mortgage lender
- Banking information for pre-authorized debit payments
See how you can save!
Information to have on hand when getting a quote
To get an auto insurance quote, you’ll need the following information for you and any other drivers you want to insure:
- The date you want your insurance to start
- Information about all the vehicles you want to insure (year, make, model, odometer reading)
- Current auto insurance provider
- Information on driving violations for each driver(number and type)
- Information on past claims for each driver (number and type)
or
their driver’s licence number
Information to have on hand when getting a quote
To get a home insurance quote, you'll need the following information about your property:
- Year of construction
- Type of exterior siding (brick, stone, vinyl, aluminum)
- Heating sources (electricity, gas, dual energy, wood-burning stove)
- Total ground floor area (excluding the basement)
- Year the roofing material was last fully replaced
- Security systems in the home
Information to have on hand when getting a tenant insurance quote
To get a tenant insurance quote, you'll need the following information about your unit:
General information
- The date you want your insurance to start
- Number of apartments in the building
- Type of business in the building
- Floor you live on
- Amount of insurance for your belongings
- Current insurance provider
- Security systems in your unit
Insurance history
- Number and description of any past home insurance losses (type of loss, year)
If you qualify to buy your tenant insurance online, you will also need the following information:
- Banking information for pre-authorized debit payments
Information to have on hand when getting a condo insurance quote
To get a condo insurance quote, you'll need the following information about your property:
General information
- The date you want your insurance to start
- Name and contact information of your mortgage lender
- Year of construction
- Number of units in the building
- Type of business in the building
- Floor you live on
- Amount of insurance for your belongings
- Current insurance provider
- Security systems in your condo unit
Insurance history
- Number and description of any past home insurance losses (type of loss, year)
If you qualify to buy your condo insurance online, you will also need the following information:
- Banking information for pre-authorized debit payments