Vehicle insurance
Car insurance that will take you far!
Vehicle insurance protects your car, motorcycle, ATV, trailer, whether it’s moving or stationary, and even your luxury car!
Did you know? In Quebec, all vehicle owners must have auto insurance that covers at least civil liability. In addition to this mandatory coverage, AMR offers protection tailored to the specific features of your vehicles! Don’t take a wrong turn. Contact our brokers!
The different types of vehicle insurance
Vehicle insurance is essential to protect you on the road. Whether you drive a car, motorcycle, or SUV, you need the right insurance policy to cover property damage and bodily injury. Explore the available options and find the vehicle insurance that suits your needs, your budget, and your type of vehicle.
-
Car Insurance
Insurance
Whether you own the car of the year or drive your grandmother’s car, your car deserves to be protected!
-
Motorcycle Insurance
Insurance
The world of motorcycles is as varied as it is fascinating. Make sure you have protection that matches your passion!
-
Snowmobile Insurance
Insurance
Snowmobile To make the most of the winter season behind the wheel of your snowmobile, make sure you are well insured!
-
Recreational Vehicle Insurance
Insurance
Because your RV is probably like a second home, insure everything in it, in addition to the passenger compartment.
Young driver Choosing the right car insurance
No matter what type of license they have–learner’s, probationary or regular driver’s license–every driver must be insured. Beyond this requirement, however, there are a number of obstacles that can stand in your way. Beyond this requirement, however, there are a number of obstacles that can stand in your way.
Some insurers are more reluctant to insure young drivers with less driving experience. At AMR, our insurance experts are good advisors: they will be able to guide you towards insurance coverage that will adequately protect your child and help you save money. Giving advice and reassurance is our job!
Having trouble getting insurance?
Do you have a criminal record? Have you failed to declare personal bankruptcy? Does your insurer no longer want to insure you because your situation has changed? Have you made too many claims and your insurer has terminated your contract?
These are just a few examples of situations we deal with. As independent insurance brokers, we are in the best position to help you if you are having difficulty obtaining insurance. We are equipped to defend your interests and find a solution tailored to your situation. Trust our experts to help you find insurance!
Answers to your questions
-
Is it worth combining car and home insurance?
Yes, it is generally worth combining your car and home insurance. Many insurers offer substantial discounts if you take out both policies with them. This also makes it easier to manage your policies and simplifies the claims process if an incident causes damage to both your car and your home.
However, this is not necessarily always the case. Certain specific situations – for example, insuring a century-old house or if you have a poor driving record – may mean that it is more cost-effective to take out specialist insurance rather than pay a higher premium with a standard insurer.
-
Is vehicle insurance mandatory in Quebec?
Yes, in Quebec, the law requires owners of all motor vehicles to have automobile insurance covering civil liability for an amount of at least $50,000.
This protection covers property damage caused to others if you are responsible for an accident. It is also possible to purchase optional coverage for damage to your own vehicle.
-
What does the SAAQ cover?
The Société de l’assurance automobile du Québec (SAAQ) covers only personal injury (injuries, death) resulting from a road traffic accident in Québec or elsewhere in the world. It compensates all Québec residents involved (drivers, passengers, pedestrians, cyclists), even if they are responsible for the accident.
Coverage includes, in particular:
- Medical care and health treatments not covered by the RAMQ.
- Income replacement in the event of incapacity to work.
- Personal care at home and medication.
- Home or vehicle adaptations, and rehabilitation.
- Property damage only in the specific case of a hit-and-run accident.
Property damage to your vehicle is excluded and must be covered by a private insurer.
-
Why does my friend, who has a car similar to mine, pay less with the same insurer?
Although you have the same insurer and similar cars, your insurance premium differs because it is calculated specifically for your unique profile. The insurer assesses the overall risk you represent.
Key factors explaining this price difference include: your driving experience and driving record, how you use your vehicle, where you live, your credit history, the cover you’ve chosen and the amount of your excess.
-
What to do in case of an accident?
In the event of a car accident, it is important to take immediate steps to protect your safety. Here are the steps to follow:
- Make sure everyone is safe and call the emergency services and the police if necessary. If possible, move the vehicles involved out of the way of traffic.
- Exchange details with the other drivers and, if the circumstances of the accident allow, complete an accident report form.
- Take photographs of the accident scene, the damage to the vehicles and any visible injuries.
- Contact your insurance broker as soon as possible to report the accident and provide them with all the information you have.
A claims adjuster will then be assigned to your case to investigate the damage caused and your liability in the accident.
-
Why do frequent claims increase the price of my insurance?
According to statistics, making frequent claims indicates a higher probability that you will make further claims in the future and therefore represents a greater risk for insurers, which translates into a higher insurance premium.
In addition, frequent claims may indicate that you are more likely to cause damage in the future. For example, numerous claims for car accidents could mean that you are a reckless driver.
Also, insurance companies factor the costs associated with processing claims into their premium calculations. The more claims there are, the higher these costs are, which affects the amount of premiums paid by their customers, including those who make frequent claims.
-
Should I file a claim after an accident?
The decision to file a claim after an accident depends on several factors, such as the severity of the accident, the amount of your deductible, your insurance history, and the cost of repairs. To make an informed choice, don’t hesitate to call on the expertise of your AMR insurance broker, who will be able to guide you appropriately.
Tips and advices
-
Electric Vehicle Insurance: What You Need to Know
-
What is the difference between all perils auto insurance and civil liability?
-
Having Trouble With Car Insurance? Read This!
-
How Does Drinking and Driving Affect Your Car Insurance?
-
Car Insurance After a Claim: Our Solutions
-
High-Risk Car Insurance
Why choose us?
When you choose AMR Assurances Multi-Risques, you’re opting for a team of insurance experts. More than just brokers, we are advisors who have your best interests at heart.
Our primary mission is to represent you with various insurers and to offer you a product that meets your needs. And because life moves fast, we negotiate to get you the best insurance contract at the best quality-price ratio to guarantee you peace of mind.
Don’t wait any longer!
We’re passionate about insurance
We compare the best protections
We speak your language
To put one’s foot in it,
whatever the situation, we know what that means.
Don’t panic!
We’re here to help you.
What we also know is that when you’re in trouble, you want to find a solution quickly.
Life is easier with AMR.