Quebec runs a public no-fault plan for injuries from car accidents, and private insurers sell auto liability, home, life and business insurance. Insurance contracts in Quebec follow the Civil Code of Québec.
The Société de l'assurance automobile du Québec (SAAQ) provides no-fault coverage for bodily injury and death from traffic accidents, whoever was at fault, and generally no one can sue over those injuries. Its cost is included in your driver's licence fees. You also need civil liability insurance of at least $50,000 from a private insurer, which covers property damage you cause to others, and you can add coverage for your own vehicle.
Standard home insurance usually covers fire, wind and hail, while flood and earthquake damage are usually optional add-ons. Because Quebec insurance contracts follow the Civil Code, the wording and rules can differ from other provinces, so ask your advisor how they apply to you.
Quebec has more than one regulator. The Autorité des marchés financiers (AMF, lautorite.qc.ca) oversees insurers and the industry. The Chambre de l'assurance de dommages (chad.qc.ca) covers damage insurance representatives, such as for home, auto and business, and the Chambre de la sécurité financière (chambresf.com) covers life insurance and financial planning representatives.
Quebec's public health insurance is run by the Régie de l'assurance maladie du Québec (RAMQ). It generally pays only part of emergency medical costs outside the province, and often much less outside Canada, which is why many travellers look at travel insurance. Read your plan's rules before you go.
General information, not advice. Rules change, so confirm with your province or territory, your insurer or a licensed advisor. Facts on this page were last checked in November 2026.
Yes. Vehicle owners must carry civil liability insurance of at least $50,000 from a private insurer, which covers property damage they cause to others. Bodily injury from traffic accidents is covered by the SAAQ's public no-fault plan.
The SAAQ, a public agency, provides injury coverage for traffic accidents. Auto liability, vehicle damage coverage, and home, life and business insurance are sold by private companies, through brokers and agents.
Check with the Autorité des marchés financiers (AMF), or with the professional chamber that matches the type of insurance: the Chambre de l'assurance de dommages for home, auto and business, or the Chambre de la sécurité financière for life insurance. An advisor should be glad to tell you which licence they hold.
It usually pays only part of emergency medical costs outside Quebec, and often much less outside Canada. Many travellers add travel insurance. Read your plan's rules before you go.
Yes. Tell us what you need and where you live, and we'll pass your request to a licensed insurance advisor who can help in Quebec. It's free, and talking to an advisor carries no obligation. Our site is in English for now. If you'd rather be served in French, say so in your request.