Car insurance in Québec: Quote and buy online today

In Québec, car insurance works a little differently. Injury claims go through the public insurance plan, Société de l’assurance automobile du Québec (SAAQ), while damage to vehicles or property is handled by your private insurance company. 
 
If someone was hurt, you can file a claim with SAAQ online, by mail or in person. You’ll need details like your health card number, the accident date and any receipts or medical reports. 
 
For damage to a vehicle or property, contact us as soon as possible. At Sonnet, you can file a claim online or by phone. Have your policy number ready, along with photos, accident details and any supporting documents. 
 
Once your claim is submitted, we’ll review the details, determine who was at fault and guide you through the next steps.

There are a couple of things you need to consider:

Liability limits. We'll cover you and the people on your policy for valid claims, and the cost of settling those auto insurance claims, if you're held liable for injuries or damage to someone else's property as a result of an auto accident. Tip: Minimize how much you could be financially liable for in the case of a major accident by increasing this limit.

In Quebec, we cover the damages to your vehicle as well as those to someone else’s property. However, injuries are covered under the Quebec public insurance plan, SAAQ.

Extra coverages. If your vehicle would cost more than the deductible amount to repair it, you might consider adding Collision: Your Fault and/or Comprehensive coverage. (In Quebec, Collision coverage is called “Collision and Upset”, and Comprehensive is known as “All Perils Other than Collision and Upset”.) If your vehicle is involved in a collision with another object or tips over, Collision coverage will help cover the damage. Comprehensive covers your vehicle against loss or damage other than what's covered by Collision. This includes falling or flying objects, missiles and vandalism, and all the things listed under Specified Perils.

Have questions about our auto insurance coverage? Just get in touch via chat or email. We’re always happy to help!

Once you've purchased your car insurance, we’ll send you an email with a link to activate your Sonnet account. Your pink slip and proof of insurance will be accessible directly through your account dashboard. Here you can also get the steps to add your eSlip right to your phone’s digital wallet.

If you would like to download an eSlip, here are the steps to add it to your phone:

1. Download the Sonnet Insurance app from the App Store (iOS) or Google Play store app (Android).
2. Log in to your account in the app using the same email and password you set up for your Sonnet account.
3. For first-time users, tap the ‘Get your eSlip’ banner over the ‘More’ tab. Agree to the terms and conditions for eSlips. Choose your vehicle (for single policies) or choose your policy then vehicle (for multiple polices).
4. eSlips will automatically update in your digital wallet app after a policy change or renewal. If you notice that it hasn’t automatically updated, tap on the ‘More’ tab, then tap ‘Pink Slip’. Choose your vehicle (for single policies) or choose your policy then vehicle (for multiple polices).
5. Your eSlip will automatically be added to your phone’s digital wallet.

Heads up! If you are an iOS (iPhone) user, the Background App Refresh setting must always be turned ON. This setting allows eSlips to automatically update when you make a policy change or renew your policy.

Follow these steps to turn this setting ON:

1. Go to your iPhone Settings and scroll down until you see the Sonnet Insurance App.
2. Simply tap the Background App Refresh toggle, so it is ON (green).

Want to view your physical pink slip in your account? Follow these steps: 

1. Log in to your account and click on the ‘Easily access your digital pink slip’ card.
2. For single policies click ’Download’. For multiple policies, choose your policy number and then click ‘Download’.

We’ll also send you a hard copy of your pink slip through the mail (which takes about 5 business days).

Haven’t received your liability slip in the mail? First, double check the mailing address listed on your account. You can do this by signing into your account and selecting Settings. If your mailing address is incorrect or you would like to request a new pink slip be mailed, contact us.

We give you our best price that’s specifically tailored for you. We’ve come up with a number of ways to help make sure you get the best price on your insurance.

There are a number of ways you could save on your auto insurance: 

• Exclusive Sonnet Savings. Self-service has its benefits! You’ll save just for purchasing your insurance online. How easy is that?
• Claims Free. If you’re lucky enough to have been claims-free for six years, you could save.
• Convictions Free. Good driving behaviour deserves to be rewarded!
• Multi-Vehicle. Insuring more than one vehicle with us? Awesome! You may qualify for a multi-vehicle saving.
• Multi-Policy (home and auto). You could save when you insure both your home and your vehicle with us.
• Canadian University Alumni and Canadian College Alumni. You could save when you are a Canadian University or College alumni or student.

In Quebec, the public insurance plan, Société de l’assurance automobile du Québec, covers injuries from car accidents. At Sonnet, we handle the part that protects your car and covers damage you might cause to someone else’s property. We use a mix of personal details and public information about your vehicle to determine the cost of your car insurance, including:

• Number of past claims
• Information about you (e.g. how many years you’ve been a licensed driver)
• Traffic violations (e.g. speeding tickets)
• Where you live
• Your vehicle and how you use it

Using these details and a whole lot of math and statistics, you get the most competitive price – savings included. The whole process takes just minutes and the price you’re quoted is final. Buy online right away or save your quote and lock in your price for 45 days or until the coverage start date (whichever is sooner).

Yes. In order to legally drive in Québec, car owners must hold civil liability coverage of at least $50,000. This covers property damage or injuries you may cause to others.

Depending on your needs you might want to add optional protection for damage to your car, like collision. Collision isn’t required by law. But, it’s highly recommended if you want to avoid paying costly bills out of pocket should your car get damaged in an accident.

Have questions about your policy? Just get in touch via chat or email. We’re always happy to help!

Full coverage can differ from one insurer to the next, and can also change depending on whether you own, lease, or finance your car.

“Full coverage” generally means that you have comprehensive, collision and liability coverage. However, sometimes insurance companies include extra coverages as part of this package, like rental cars or ticket forgiveness.

If you lease or finance your car, your lessor or financing company may have additional or specific coverage requirements for your vehicle as a condition of your agreement with them. It’s always best to compare your agreement and policy to be sure.

When you purchase car insurance through Sonnet, you’re purchasing personal auto insurance. Our personal insurance policies don’t cover you when you use your vehicle for business or commercial purposes. This includes driving for rideshare companies like Lyft and Uber.

Important note: Some ridesharing services provide commercial insurance on your behalf when you drive for the company. Even with this insurance, driving for a rideshare company isn’t covered by Sonnet. Learn more about how to get coverage if you drive for Uber or Lyft.