International students, permanent residents, immigrants—to all newcomers to Quebec, AMR welcomes you! A new adventure is beginning for you, and we hope that you will find it to be a positive experience. But a “new adventure” also means a “period of adjustment,” and we’re not just talking about winter!
Each country has its own culture, laws, and standards. Since we specialize in property and casualty insurance (standard and non-standard), we thought a short article on auto insurance in Quebec might help you get started! Here is a brief guide to auto insurance for newcomers!
How long can you drive with your foreign license in Quebec?
The answer to this question is quite simple: The holder of a valid foreign license is entitled to drive on Quebec roads for six consecutive months. After this period, they must obtain an international driver’s license and, if they decide to settle in the province, they must obtain a Quebec license, which they can apply for upon arrival. » (SAAQ) Please note that this also applies to non-residents (temporary visitors, tourists, etc.).
International students or interns, on the other hand, can drive with their foreign driver’s license for the duration of their studies in Quebec, provided that it authorizes them to drive the type of vehicle used. If this is your situation, please note that once you have completed your studies, you have six months to apply for a Quebec driver’s license.
Note: To be eligible for a Quebec driver’s license, you must provide proof of residence.
Is it mandatory to insure your vehicle in Quebec?
In Quebec, it is mandatory to have civil liability insurance (Chapter A) for a minimum amount of $50,000. However, we always advise our clients to opt for $2 million in coverage. What is civil liability insurance for?
It protects you:
- If your vehicle is damaged in a collision in Quebec, in the event that you are NOT responsible for the accident.
- If you damage other people’s property (fences, houses, municipal or commercial walls, etc.)
Chapter B, which covers damage to your car, is not mandatory but is highly recommended. For more information on this subject, we recommend reading one of our previous articles by clicking here!
Can you insure your vehicle if you have a foreign driver’s license?
Yes, absolutely. However, you should be aware that the process can be a little more complex. To get the best possible advice on the type of coverage you need for your situation, we recommend that you work with an independent insurance broker.
An independent insurance broker will take all your information, then search for insurance (auto and home or business if needed!) and advise you on the best coverage for you. At Assurances Multi-Risques, for example, we work with many insurers in Canada, which allows us to compare several insurance policy options and find the best premium at the best price for our clients, whether they are foreign nationals or not!
Our best insurance advice:
If you choose to do your own research and take care of your insurance yourself, we strongly advise you to request a letter of experience from the insurer you used in your country of origin.
This certificate will confirm your driving experience, which may then be recognized by certain insurers in Canada. This means you may be able to pay a lower insurance premium than you would if you did not provide this proof.
Please note that some insurers only go back a maximum number of years; there is no established rule in this regard. We obviously suggest that you choose the insurer that will take the most years of experience into consideration!
What if you have trouble getting insurance?
Don’t hesitate to seek advice from an insurance broker, as they will be able to find the right insurer for you and give you peace of mind. It’s our job to help you and guide you step by step through the insurance process!