“The SAAQ will pay to fix my car.”
Answer : False
The SAAQ only covers bodily injuries. Damage to your vehicle is handled by your private insurer, and only if you chose Chapter B coverage.
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20 statements about home and auto insurance. Swipe each card right if it’s true, left if it’s false. Your score shows at the end.
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“The SAAQ will pay to fix my car.”
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“I rent, so my landlord’s insurance covers my stuff.”
Answer : False
The landlord’s insurance covers the building. Your belongings and your liability, for example if your washer floods the unit next door, are only covered by your own policy.
“Water damage is always covered.”
Answer : False
A sudden, accidental leak usually is. Sewer backup and flooding from an overflowing river or lake often require optional coverage, and slow leaks or seepage are excluded.
“The SAAQ covers my injuries even if the accident was my fault.”
Answer : True
Quebec’s public plan is “no-fault”: a Quebec resident injured in a car accident is compensated by the SAAQ, no matter who caused it.
“Red cars cost more to insure.”
Answer : False
Colour isn’t a rating factor. Make, model, year, repair costs and theft risk are.
“A small omission on my application doesn’t matter.”
Answer : False
In Quebec, you must declare every fact that affects the risk. An omission can reduce your payout. If the misrepresentation was made in bad faith, or if the insurer would not have accepted the risk, it can ask for the policy to be annulled (articles 2408, 2410 and 2411 of the Civil Code of Québec).
“If a friend borrows my car and crashes, their insurance pays.”
Answer : False
Generally, insurance follows the vehicle. Your policy responds first, and your insurer may take it into account at renewal.
“In a condo, I may have to pay the syndicate’s deductible.”
Answer : True
If the loss was caused by your fault or by something in your care, such as your water heater, the syndicate can charge you its deductible. A coverage in your home policy can pay that amount.
“My home policy covers my home business.”
Answer : False
Business equipment, inventory and liability are often excluded or tightly limited. You need to tell your insurer and add an endorsement or a separate policy.
“The cheapest policy is always the best deal.”
Answer : Mostly false
A lower price can come from a higher deductible, lower limits or missing coverages. Compare what’s covered, not just the premium.
“The $50,000 liability minimum is enough.”
Answer : Mostly false
It’s the legal minimum in Quebec, but an accident outside Quebec or damage to a luxury vehicle can easily exceed it. You would then be personally liable for the difference.
“If I’m the victim of a hit-and-run, I don’t pay a deductible.”
Answer : False
It’s the one accident where you’re not at fault and the deductible still applies, unless you have the Q.E.F. 41 endorsement, which waives it up to $1,000. Your car is paid by your collision coverage (B1 or B2). Report it to the police quickly.
“I’m away for two months, my coverage carries on as usual.”
Answer : False
In the standard policy, frozen pipes are excluded after 4 days away, unless someone checks the heat every day, or the water is shut off and the pipes drained. Tell your insurer before you leave.
“Filling out a joint report means admitting fault.”
Answer : False
The report describes the facts. Fault is set afterward by the insurers using a standard chart. Make sure it’s accurate before you sign.
“If the other driver is at fault, their insurer pays for my car.”
Answer : False
In Quebec, under the Direct Compensation Agreement, you claim from your own insurer for an accident in Quebec between two or more vehicles whose owners are different and identified. If you’re not at fault, it pays with no deductible.
“Collision coverage (B2) covers hail damage.”
Answer : False
Hail isn’t a collision. It’s covered by B3 (all perils except collision) or B1 (all risks), not by B2.
“My insurance will pay if my roof leaks because it’s old.”
Answer : False
Wear and lack of maintenance aren’t covered by any policy or endorsement. Insurance covers what is sudden and accidental, like a tree falling on the roof in a storm.
“My roommate is covered by my home insurance.”
Answer : False
No, unless they’re named in the policy. Their belongings and liability aren’t covered by your policy. Simplest: each person gets their own.
“The tax on insurance premiums goes up in Quebec in 2027.”
Answer : True
It rises from 9% to 9.975% on January 1, 2027, on property and casualty premiums such as auto and home.
“After a fender bender with no injuries, I always have to call the police.”
Answer : False
Generally no. Call them if the other driver flees, refuses to give their information or seems impaired. If you hit an empty car and can’t find the owner, you must report it to the nearest police station.