One-way auto insurance is a commonly used expression in Quebec to designate insurance that includes only civil liability, the minimum mandatory coverage required to drive on the roads. It covers damages you could cause to others, but generally does not protect your own vehicle in case of collision, theft, vandalism, fire, or other claims. This option is often preferred for older or lower-value vehicles.
Your peace of mind, our protections
One-way auto insurance is a solution designed for drivers who wish to benefit from mandatory civil liability protection while controlling the cost of their insurance. Often chosen for lower-value vehicles, it can be enhanced with various optional protections according to your situation.
Civil Liability
Civil liability protects you if you unintentionally cause property damage or injuries to another person while using your vehicle. This protection is essential to allow you to drive with complete peace of mind.
Damage Protection
Through the direct compensation agreement (DCA), your vehicle can be compensated even with one-way insurance, according to your share of responsibility.
Optional Protections
Depending on your needs, it is possible to add several coverages to obtain more comprehensive protection. You can notably protect your vehicle against theft, fire, vandalism, glass breakage, certain natural events, collisions with an animal, or damages caused during a collision or rollover. Other options, such as replacement value, replacement insurance, replacement vehicle, or protection for rented or borrowed vehicles, can also be added to better meet your situation.
Your questions about one-way auto insurance
Our teams answer your most frequently asked questions to help you better understand the available protections and choose solutions adapted to your situation.
One-way auto insurance is a popular expression that designates insurance comprising only civil liability, the minimum mandatory coverage in Quebec. It covers damages you could cause to others, but not those sustained by your own vehicle.
It notably covers:
- Property damage caused to other people;
- Injuries or bodily harm for which you could be responsible (according to applicable protections);
- Costs related to your civil liability. It generally does not cover damages to your own vehicle.
As a general rule, this protection does not cover:
- Collisions for which you are responsible;
- Vandalism;
- Theft;
- Fire;
- Hail, storms, or falling trees;
- Damages caused by an animal.
To be protected against these risks, you must add protections for damages to your vehicle.
It may be suitable for owners of older vehicles or those with low market value, when the cost of additional protections exceeds the potential compensation in case of a claim.
It all depends on several factors: the value of your vehicle, your ability to absorb a financial loss, your budget, your level of risk tolerance. Contact one of our brokers who can help you compare costs and benefits to choose the protection best suited to your situation.
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As one of the largest brokerage firms in Quebec with a team of over 120 brokers across 9 branches, our firm is dedicated to property and casualty insurance. We offer a simple, efficient, and transparent approach to our insurance services.
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