Third party liability coverage is mandatory for all vehicle owners. This coverage follows you every step of the way and protects you in case of accidental damage caused by your vehicle to other people or their vehicles. We recommend that you increase your third party liability coverage if you drive outside Quebec and Canada.
All risk coverage includes your third party liability, comprehensive, and collision and upset. This is the most comprehensive coverage of all.
As the name suggests, this coverage insures you in the event of a collision with another vehicle or in the event of an upset. With this coverage, the cost of repairing and replacing your vehicle due to property damage (based on the value on the day of the loss) will be covered. is coverage applies if you collide with another car, with the ground, with an object on the ground or if your vehicle is overturned.
This type of coverage insures your vehicle for loss or damage that is not caused by a collision with another vehicle. What types of incidents are covered? eft or attempted theft, vandalism, damage caused by falling trees or objects, damage caused by an animal (including a collision with a deer) and damage caused by lightning, high winds, rising water, earthquakes or fires.
This protection covers damage to a vehicle rented or borrowed from a third party. This coverage applies in Canada and in the United States.
This protection covers the goods and furniture inside your recreational vehicle in case of theft, vandalism or damage.
In case of theft or accident, this coverage guarantees the repatriation of your vehicle.
In case of theft or accident, this protection guarantees that your vehicle will be repatriated. Did you know that when you store your car, snowmobile, motorcycle or recreational vehicle, you are eligible for a storage credit? This credit is calculated based on the length of time you store your vehicle and the reduction of risks incurred during this period.
This coverage compensates you in the event of death or dismemberment. This protection covers your medical expenses and total disability if you suffer bodily injuries in a car accident.
This protection covers the replacement of your vehicle in the event of a claim. Two options are available to you. You can choose to replace your vehicle with another of equivalent value or obtain financial compensation of equivalent value for the purchase of a vehicle of your choice.
This coverage allows you to replace your property that has been damaged without deduction for depreciation. The premium will be determined based on the new value. It is important to be aware of the exclusions mentioned in the contract.
This coverage applies if you are deprived of your vehicle following an accident for which you are not responsible or if a serious breakdown prevents you from using your vehicle.
This coverage compensates you in the event of death or dismemberment. This protection covers your medical expenses and total disability if you suffer bodily injuries in a car accident.
This coverage ensures that you have access to roadside assistance in the event of an accident or breakdown. In addition to roadside repairs, roadside assistance may also include towing, unlocking doors, jumping the battery, installing a spare tire and providing fuel.
Legal insurance allows you to benefit from financial assistance so you can quickly access legal services from the lawyer of your choice. With the goal of offering you peace of mind, this additional coverage will ensure that your fees are covered.
Modifications made to an automobile (special or personalized paint, lowered suspension, modified engine, transformation into a motorhome, conversion of an engine, etc.), even if they are only aesthetic, influence your insurance contract. All the modifications made must be declared to your insurer so as not to have unpleasant surprises in the event of an incident.
Damaged vehicle following an accident. The seller of the damaged vehicle is obliged to report the damage to the buyer. Some insurers agree to insure seriously damaged vehicles, provided that an inspection is carried out by the Insurance Bureau of Canada.
Cars between 25 and 30 years old are considered antique vehicles. Your vehicle must meet certain conditions in order to be qualified by an insurer as an antique vehicle. Our brokers can advise you on coverage specific to antique vehicles and offer you good civil liability coverage.
Cars from brands such as Bentley, Lamborghini, Maserati, Rolls-Royce cannot be insured by all insurers since they cannot all assume the same degree of risk. Our independent insurance brokers know the difference between a standard automobile and a luxury automobile. They will be able to advise you on the appropriate protections.
Protections for rented vehicles are often limited. It is important to check the limitations of the contract so that you do not have to shell out the difference out of pocket. By adding additional protection for damage to borrowed or rented vehicles in the event of an accident for which you are responsible, you will avoid paying additional costs.
Do you own an electric or hybrid vehicle? You therefore benefit from the environmental advantages offered by these vehicles and government rebates have no doubt been offered to you for this eco-responsible purchase. In terms of insurance, the energy used to operate your car does not change anything. However, advantages could be offered to you! Our independent brokers will be able to direct you to insurers offering attractive rates!
Young driver
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!
