Automobile insurance - Personal insurance - PMT ROY

With Intact Insurance Roadside Assistance, help is on the way

When it comes to cars, little things going wrong can leave you stranded. Roadside Assistance on the Intact Insurance app is here to help with:

  • Towing
  • Jump-starting your battery
  • Unlocking your car doors (if applicable)
  • Changing a flat tire (if applicable) 
  • Delivering gas
  • Winching (extracting a stuck)

Auto insurance tailored to your needs

Whether you’re a new or experienced driver, no matter what type of vehicle you drive, we can provide you with tailored coverage at a fair price based on your occupation, age, driving record, and place of residence.

Drive with confidence knowing that if something happens, we’ll take care of everything.

Allow us to tell you about you the coverage available

Civil liability (Chapter A): $2,000,000

Collision or upset (Chapter B2): Deductible of $250 or more

Comprehensive excluding collision or upset (Chapter B3): $100 or more

  • Vehicle inspection not required, but strongly recommended
  • 12-month or 24-month policy
  • Vehicle registered in Québec
  • Roadside assistance included (depending on insurer)

*Certain conditions apply

Optional coverage

  • Replacement insurance
  • Non-owned auto insurance
  • Travel expenses (loss of use)
  • Civil liability for damage to non-owned vehicles
  • Personal insurance (medical expenses, death, dismemberment)
  • No deductible in the event of a hit-and-run accident or total loss
  • Replacement cost

Learn more about replacement insurance

After a total loss, you can replace your new vehicle with a similar vehicle of the current year.

For a used vehicle, the replacement cost will be indexed by a percentage for each year of use.
There are several advantages to replacement insurance:

  • Fixed term of up to 7 years
  • At-risk persons and vehicles eligible
  • Replacement of non-repairable damaged parts with new, original manufacturer’s parts following a partial loss
  • Prorated reimbursement of the unused portion (policy not transferable to another vehicle) following a total loss
  • Deductible reimbursement up to $2,500 for a total loss
  • Deductible reimbursement of $250 or $500, determined at the time you purchase the policy, following a partial loss
  • Courtesy vehicle allowance ($75 per day to a maximum of $2,250)
  • Light-duty trucks eligible

Save with FADOQ

Members of the FADOQ network can benefit from exclusive unmatched advantages. FADOQ FreeSpace® is offered by Intact Insurance to people age 50 and over.

Auto insurance advantages

  • No deductible in the event of a hit-and-run accident or total loss
  • Enhanced personal insurance (FAQ34) of $50,000 for the insured and spouse
  • Reduced deductible for a first claim in the last 3 years:
    • Up to $300 under Chapter B2 (collision or upset)
    • Up to $100 under Chapter B3 (comprehensive excluding collision or upset)

Take advantage of additional benefits by combining your home and auto insurance

  • Replacement cost for your property and furniture without the obligation to replace them
  • Free SOS Identity coverage for $25,000

Do you have trouble getting insured?

For various reasons, you may have been refused by an insurer in the past.
We have home and auto insurance solutions specially designed for customers who have had non-payment issues and excessive claims, an unconventional creditor, a suspended driver’s license, or a criminal record*.

*Subject to approval

Frequently asked questions

  • The year, make and model of the vehicle
  • Vehicle use (personal only, personal and commuting to work, used for work, distance travelled between home and work, annual mileage)
  • Your age and occupation
  • Age of all drivers
  • Driver’s record for all drivers (claims file)
  • Driver’s record for all drivers (SAAQ)
  • Number of vehicles you own

Yes, because you will be liable for any damage your car is found to have caused. Contact your broker, who will add a storage rider to your policy. Depending on the insurer, you will receive a credit at the time of storage or when putting your car back on the road.

This has no bearing on the insurance premium. Regardless of whose name appears on the vehicle registration, the coverage and associated premiums are based on the profile of the main driver: your child.

That depends on the answers to the following questions:

  • How old is your child?
  • Do they live with you?
  • Are they a student?
  • How often would they be driving your car?
  • Is your child already the driver/owner of a vehicle?

The reason and period of time that a vehicle is used outside of Québec are factors in the insurer’s decision to maintain or modify your insurance policy.

Contact your insurance broker for more information!

Whether your car is leased or purchased, the first thing you need to know is that you’re required by law to have auto insurance! Your premium will be based on the sum of a set of criteria, such as the make of your vehicle, your driving profile, and your credit rating. The purchase method of your new car will affect your insurance cost, but it will be dependent on all these other factors.

A rider is used to modify your insurance policy. For example, you own a car and you’re the only driver. Occasionally, you would like to lend your car to your children who live with you. In this case, your broker will ask the insurer for a modification (rider) to add them to the policy. Your children’s names will be added to the “driver” section, and you will most likely have to pay an additional amount.

The deductible is the amount that the insured will have to pay in the event of a covered claim.

Let’s assume that the deductible on your auto insurance is $500. You get into an accident and find out the repairs are going to cost $5,000. In this case, the insurer will reimburse you $4,500 and you will have to pay the remaining $500 out of pocket.

However, there are exceptions such as lower deductibles for a good driving record, waiver of deductibles depending on the amount of the loss for certain “home” categories, and the type of coverage chosen.

You must contact your broker to let them know, and they will transfer your call to the claims department, where a claims expert will open a file and guide you through the process. Your damage insurance broker is always ready to help when needed.

Insurance premiums are based on micro-pricing and a customer’s credit rating. A good credit rating represents a lower risk for the insurer and will result in a better premium. We do not have access to our customers’ credit records, and the fact of giving your verbal consent in no way affects your credit rating.