Auto Insurance

Basic Coverage

In Quebec, under the Automobile Insurance Act, all automobile owners are required to have liability insurance with a private insurer.

Liability insurance covers you when:

  • you cause damage to a third party’s property during an accident that occurs in Quebec (bodily injury is generally covered by SAAQ, under its no-fault plan)
  • you cause bodily injury to a third party and damage to his/her property during an accident that occurs outside Quebec

Damage insurance covers you when:

  • Your vehicle is damaged during an accident caused by you that involves a third party
  • You cause an accident that does not involve any other vehicles (e.g., loss of control)
  • You are the victim of a hit-and-run

All perils other than collision or upset covers you when:

  • Your vehicle is damaged by fire, theft, vandalism, or sustains one or more broken windows


  • Combine your auto and home insurance and save BIG
  • Save $60 when you request an auto quote online.
  • Get a $25 multiproduct welcome discount on your auto insurance if you are a customer of SSQ Financial Group or a shareholder of the Fonds de solidarité FTQ.

Make the most of all these advantages

Kilo ProgramMC

Thanks to SSQauto’s Kilo Program, you pay only for what you need! And if your annual driving distance changes, the Kilo Program will be adjusted.


  • To benefit from the Kilo Program, all you have to do is estimate your annual driving distance.
  • There’s no need to install an electronic tracking system on your vehicle.
  • With the Kilo Program, the distance you travel makes a difference—in fact, your premium is adjusted based on how many kilometres you drive.
  • The Kilo Program is tailored to your needs, no matter how many kilometres you drive.
  • Learn more

Preventive driving lesson

Have fun and improve your reflexes!

Benefi t from theory and hands-on training from ICAR Driving Academy’s professional drivers. Under their supervision, you can learn to handle a vehicle in emergency situations, develop preventive and safe driving techniques on a closed track, and acquire good driving refl exes.

  • Exclusive offer $124,99 $* (value: $249)
  • Get 5% off your auto insurance for completing this course
  • Learn more

Mobile Application: Making a claim has never been easier!

Smart phone users looking for practical solutions can now submit an insurance claim (home and auto), make an inventory of their belongings, and track the repairs made to their vehicle through Body Shop Direct simply by using their mobile phone.

Thanks to SSQauto's mobile application, you can now:

  • Complete a joint report (at the scene of the accident involving two vehicles)
  • Submit an auto insurance claim (one vehicle involved)
  • Submit a home insurance claim
  • Make an inventory of property
  • Learn more

Body Shop DirectMC

Thanks to Body Shop Direct, SSQauto’s insureds will be informed by text message or email after each step of their vehicle’s repairs is completed.

  • Receive email or text message updates on the progress of repairs being done to your vehicle.
  • View photos of the repairs step by step and share them on Facebook.
  • Access lots of useful information: details about repairs done, possible delays and anticipated delivery date.
  • Learn more

Decreasing deductible

Deductible is decreased when you renew your auto insurance without claims*.

Two-year freeze on premium rates

No increase in insurance premiums, even in the event of a claim during this period*.


* Certain conditions, restrictions and limitations may apply.

Certain conditions, restrictions, and exclusions apply. Savings applicable on new auto.