You could save up to $150* on your car insurance in Quebec

It pays to switch your car insurance to belairdirect!

belairdirect has the right car insurance coverage for Quebec drivers

Whether you're in Gatineau or Gaspésie, belairdirect has the car insurance coverage to fit all of your driving needs in Quebec.

We offer customized insurance plans with several ways that you can save. Our online quotes make it as easy as possible to choose the right insurance for you!

No matter if you’re stuck on the 15 going into Montreal from Laval or you live in Gatineau and commute into Ottawa for work everyday, belairdirect has the car insurance for Quebec’s roads to cover you.

Getting a car insurance quote in Quebec
has never been easier

Apply online or call us today to get a quote and see how much you could save on auto insurance in Quebec with belairdirect. It's simple, it's quick and it's absolutely free!

Standard auto insurance for Quebec that gives you peace of mind

When you get a quote for car insurance in Quebec from belairdirect, you’re getting coverage that ensures all provincial requirements are met while fitting your lifestyle.

Standard car insurance in Quebec from belairdirect includes:

Civil Liability Coverage

Step one for getting car insurance in Quebec is getting Civil Liability Coverage. This coverage will protect you if you're responsible for injuring someone or damaging someone else's property.

It may also cover damage to your car if you're in an accident for which you're not at-fault.

Optional car insurance coverages for Quebec drivers

Extend your coverage with these optional car insurance coverages for Quebec.

Accident Forgiveness*

Protect your good driving record at belairdirect and keep your insurance premium from going up as a direct result of your first two at-fault accidents.

Extended coverage means extended peace of mind. That’s what you get with Accident Forgiveness coverage.

We trust that you want to be a good driver and will do what it takes to be one. When you've got Accident Forgiveness, you can rest assured that your good driving record and your insurance premium are protected for as long as you are with belairdirect. That means, at renewal time, you won't face an increase in your car insurance premium as a result of up to two at-fault accidents*.

belairdirect roadside assistance®

Drive with peace of mind with belairdirect roadside assistance. In case of trouble on the road, you can get the support you need!

  • $44 per year
  • Four service requests per year
  • Services available:
    • Towing (within 50km)
    • Wheel change
    • Door unlocking
    • Gas delivery
    • Winching (cars only)
    • Battery boost
  • 24/7 assistance

Collision and Upset

If your car gets damaged because you've collided with something (like a light post, guardrail, or other car), the cost of repairs can really add up. Collision and upset Coverage could cover the cost of those repairs, so you don’t have to pay for those repairs out of your own pocket. You may only need to pay the deductible.

All Perils other than collision or upset Insurance Coverage

If your car is damaged by fire, theft, or vandalism, you can rest assured that the damage is covered when you've got All perils other than collision or upset Coverage.

Increased Civil Liability Coverage

If you want to increase your Liability Coverage above the bare minimum necessary for driving in Quebec, consider increasing it to $2,000,000. This will give you added protection if you’re responsible for damaging someone else’s property.

Replacement Cost Coverage

Replacement Cost coverage is ideal if you've just bought a new car. If your car is stolen or damaged beyond repair, you'll get a new, identical car that reflects the original value of your car, not its depreciated value.


For a few extra dollars, you could gain more peace of mind. Autocomfort gives you a wide range of coverage options to expand your protection in case of an accident.

A few little extras can add up to peace of mind. For a few extra dollars, you can expand your protection to include:

  • Rental of temporary replacement vehicle following an insured loss
  • $60, 000 coverage for damages you may cause to a rented or borrowed vehicle anywhere in Canada and the U.S.
  • No deductible when you’re the victim of a hit and run
  • No deductible in the event of a total loss

Please note: you’ll need to have both Collision and upset coverage and Comprehensive coverage or Specific Perils to be eligible for our Autocomfort coverage.

Autocomfort® is a registered trademark of Belair Insurance Company Inc.

What to expect when
driving in Quebec

The Royal Alexandra
Interprovincial Bridge

The Royal Alexandra Interprovincial Bridge (or the Alexandra Bridge, as the locals say) is a bridge that connects Ottawa, Ontario and Gatineau, Quebec over the Ottawa River. Every day, over 15,000 vehicles cross through the border.

Winter tires mandatory by law

In Quebec, winter tires are mandatory by law during the winter months. From December 15 to March 15, all passenger vehicles must be equipped with them.

Turning right on a red light

On the island of Montreal, you cannot turn right on a red light. Everywhere else in Quebec allows this practice unless specified.

Pothole repairs

Over the next 3 years, the Quebec government plans to spend over $75 million on pothole repairs throughout the province.

Bypassing a red light

In Quebec, you cannot cut through a gas station, parking lot or the local Tim Hortons to bypass a red light at an intersection.

Drive in Quebec

In order to drive in Quebec, you must be at least 16 years of age in order to get your learner's permit. You'll also need consent from a parent or legal guardian if you are under the age of 18. You'll have to pass a classroom component as well. Once you get the learner's permit you can take the test for the full licence after you have had 10 months of practice with another licensed driver beside you.

New drivers in Quebec

So you passed driver's licence test? Congratulations! Driving on your own is a big step in any young person’s life.

Being a new driver means you'll need insurance coverage. Due to your lack of a driving record, your rates may be higher than someone with several years of experience. Statistically speaking, young adults and teenagers between the ages of 20 to 24 are more likely to be involved in accidents resulting in injuries or death.

5 things you need to know when choosing car insurance coverage in Quebec

Just like the rest of Canada, car insurance is absolutely mandatory to be able to drive in Quebec. This ensures that all parties are covered in the event of an accident that causes property damage or personal injury. In Quebec, the minimum liability coverage required by the Automobile Insurance Act must cover third party liability property damage coverage you could cause to others.

The car insurance policy limits required by law in Quebec include:

Car Insurance Policy:
Limits Required by Law

Third party Liability:
50,000 of coverage. This minimum coverage is provided by private insurance companies.

Medical Payments:
Covered by the SAAQ.

Disability Income:
The SAAQ will cover 90% of your annual net income, up to $67,500. Impairment benefits will provide up to $229,887 worth of coverage.

Funeral Expenses:
Funeral Expenses You will receive up to $4,913.

The minimum amount of coverage required in Quebec is $50,000 to cover property damage. Personal injuries are covered by the SAAQ as part of their public auto insurance plan. This is why Quebecers have consistently paid the lowest car insurance rates in Canada since 2009. The minimum amount of coverage doesn't include all eventualities so to ensure you get the right amount of coverage you need, consult with our agents.

No-fault insurance is Quebec’s public automobile insurance plan used to handle bodily injuries or deaths related to automobile insurance claims in the province. It simply means that, regardless of which party is found responsible for an accident, they will be covered by the plan, regardless of who is at fault. This system is one of the founding principles of Quebec's auto insurance plan.

Whenever you have any doubts, check the policy in effect on the car. Insurance is applied to a vehicle, not the driver, and can be extended to multiple drivers. If you borrow a vehicle regularly, you're going to apply as a driver on the vehicle's insurance policy. If you're still not sure, always refer to the policy. Also, always remember: Driving an uninsured vehicle is against the law, no matter who's behind the wheel. Talk to your insurance agent to see what coverage options are best for you.

In the event that you wish to add a secondary driver to your policy so they can drive your vehicle, you'll need to contact your insurance agent. Several criteria may affect how much the new driver will have to pay such as age, marital status, their driving record and how long they've had their licence. Adding your children as secondary drivers could be an excellent way to bring down their insurance premiums while they are still a high risk to insure. Talk to your insurance agent to find the best coverage solutions for your situation.

In Quebec, if you're involved in an accident where you're proven to have not been at fault, you will not have to pay for the deductible on your car insurance. If the accident was a hit-and-run and you were not able to identify who hit you, the SAAQ may compensate you for any property damage you incurred

Ready to compare your current premium or get a new car insurance quote for Quebec

Are you specifically looking for car insurance quotes in Quebec City or for more information about auto insurance in Montreal? We have what you need!

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