Civil liability

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

All risk coverage includes your third party liability, comprehensive, and collision and upset. This is the most comprehensive coverage of all.

Collision or upset (impact with a vehicle)

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.

Comprehensive incidents

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.

Third party liability for vehicles not owned by the insured

This protection covers damage to a vehicle rented or borrowed from a third party. This coverage applies in Canada and in the United States.

Goods and furniture

This protection covers the goods and furniture inside your recreational vehicle in case of theft, vandalism or damage.

Repatriation guarantee for campers

In case of theft or accident, this coverage guarantees the repatriation of your vehicle.

Storage credit

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.

Equipment and accessories insurance

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.

Replacement insurance

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.

Replacement cost insurance

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.

Loss of use

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.

Life & health insurance and medical expenses

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.

Roadside assistance

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 assistance

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.

Modified vehicle insurance

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 insurance

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.

Antique or collectible car insurance

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.

Luxury car insurance

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.

Rental vehicle insurance

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.

Electric vehicle insurance

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!

Jeunes conducteurs - AMR

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.

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!