In collaboration with Macif assurance.
The French group in Quebec has been rising steadily for the previous ten years, to the purpose of just about doubling in quantity since 2005. Amongst all of the formalities to be anticipated, many individuals marvel how automobile insurance coverage works as soon as they get there. What are the degrees of protection? Are there any minimal deductible quantities? How a lot insurance coverage is obligatory? To reply these questions, discover out the primary variations between automobile insurance coverage in France and in Quebec.
Obligatory and elective insurance coverage
In Quebec, there’s a combined car insurance coverage plan. In actual fact, the procedures should not fairly the identical as these for purchasing automobile insurance coverage in France.
On the one hand, there may be the SAAQ – the general public insurance coverage plan – which covers bodily damage. You might be routinely lined by this insurance coverage as quickly as you pay on your driver’s allow (see under for extra info on this topic).
Alternatively, there may be non-public insurance coverage for property injury, that’s to say injury to your automobile or to different automobiles. In Quebec, it’s necessary to insure your car, a minimum of for civil legal responsibility, and for a minimal quantity of $50,000.
In France, solely “civil legal responsibility” protection is required to drive. It covers all damages triggered to 3rd events, by you and/or together with your car.
Different coverages could be taken out optionally relying on the use or potential dangers akin to breakage, theft or climate occasions akin to hail.
Steps to acquire a car registration doc
In Canada, every province points its personal license plate with a selected design. On this plate, you will see that the title of the province and a sequence of numbers and letters.
Not like France, the place motorists pay solely as soon as for his or her registration (inside a month of buying the car), Canadians should pay for his or her registration annually to maintain driving legally.
In France, the automobile registration stays, in precept, legitimate “for all times”, or a minimum of so long as you don’t transfer or change automobiles.
Lastly, to use for a automobile registration card as a Canadian or Quebec resident, you’ll routinely must go to an SAAQ level of service. If you are going to buy your car from a dealership, the dealership can both do the documentation on website or give you a brief registration certificates to be despatched to the SAAQ.
In France, the method is finished on-line solely, with out the opportunity of going to a bodily location. Motorists should submit their software on the ANTS authorities platform.
You now know the primary variations between automobile insurance coverage in France and Quebec. To be able to greatest anticipate your procedures, keep in mind to collect all of the paperwork associated to your car and your driver’s license. In Quebec, you can be requested to current your French driving report while you insure your car.
