Civil liability
Mandatory coverage in Quebec. It covers property damage and bodily injury you cause to others.
Auto Insurance in Quebec
Offered through our partner. Quote online in minutes
The coverage offered through our partner
Coverage and conditions vary by insurer and by the plan chosen.
Collision and upset
Damage to your own vehicle in a collision or a rollover, including when you are at fault.
Comprehensive
Theft, vandalism, fire, glass breakage, hail and other losses that do not involve a collision.
Optional coverages
Roadside assistance, replacement vehicle, replacement cost and uninsured motorist protection, depending on the insurer.
How it works
Protecto does not act as a property and casualty broker. We direct you to our partner, who handles the quote, the policy and the service that follows.
Several insurers, one process
Our partner compares offers from several Canadian insurers and shows you the price that matches your profile.
A price in minutes
A few questions about your vehicle, your driving record and how you use it are enough to get your quote.
Online or by phone
You buy directly online, or with a licensed representative of our partner if you would rather talk it through.
Protecto does not act as a property and casualty broker. The auto insurance presented here is offered through our partner, who handles the quote, the purchase and the service on your policy.
Auto insurance is mandatory in Quebec. Civil liability (chapter A) is required by law. The coverages that protect your own vehicle, such as collision and comprehensive, are optional but often recommended depending on the value of the vehicle.
What our partner does, and what Protecto does
Our partner is your broker. They compare the offers, issue your policy, answer your questions about your coverages and handle changes to your contract.
Protecto points you to them. We do not sell auto insurance and we have no access to your file. Our financial security advisors handle travel, health and life insurance.
How to get your quote
- You answer a few questions about your vehicle, your driving record and how you use it.
- Our partner compares offers from several insurers and displays your price.
- You buy online, or by phone with a licensed representative of our partner.
What drives your premium
- The model, year and value of the vehicle
- Your driving record and your claims history
- Where you live
- How you use the vehicle: work, leisure, annual mileage
- The coverages and the deductible you choose
Insuring auto and home with the same insurer often lowers the total premium.
If you need to claim
A claim is settled with your insurer, not with Protecto. Contact the company named on your policy directly: they open the file, assess the damage, make the decision and pay the settlement.
Our partner, as the broker on file, can explain your coverages, tell you which documents to provide and follow up with the insurer if things stall.
Have your policy number, the date and time of the event, and the police report if there is one.
Frequently Asked Questions
Is Protecto my auto insurance broker?
No. Protecto does not act as a property and casualty broker. The auto insurance presented on this page is offered through our partner, who issues your policy and services it afterwards. Our financial security advisors handle travel, health and life insurance.
Why go through our partner for auto insurance?
Our partner compares offers from several insurers in a single process. You save time and have a better chance of getting a competitive rate suited to your driver profile, without filling out one form per company.
What factors influence my premium?
The model and year of your vehicle, your driving record, where you live, how you use the vehicle (work or leisure) and your claims history are the main factors.
Can I get a quote with no obligation?
Yes. You get a price and can compare coverages with no obligation to buy.
How do I make an auto claim?
Contact the insurer named on your policy directly. They open the file, assess the damage, make the decision and pay the settlement. Protecto is not your claims contact. Our partner, as the broker on file, can explain your coverages, tell you which documents to provide and follow up with the insurer if things stall. Have your policy number, the date and time of the event, and the police report if there is one, ready.
Ready to get your auto quote?
You will be taken to our partner's platform to get your price and buy online.
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