Quebec drivers unclear on a number of auto insurance points

Published: June 23, 2016

Updated: July 24, 2018

Author: Luke Jones



Last week a survey commissioned by the Financial Services Commission of Ontario revealed that just 10% of drivers in the province think they are “very knowledgeable” regarding standard auto insurance policies. A new reports out of Quebec shows that Quebecers are similarly unsure of the standard auto insurance policy in the province.

Groupement des Assureurs Automobiles (GAA) commissioned a survey from SOM in its ongoing mission to “play an active role in developing the automobile insurance industry in Quebec and safeguard consumers’ interests, specifically by guaranteeing access to insurance, simplifying claims settlement and promoting fair and equitable rates through the publication of statistical data,” said a release from the Insurance Bureau of Canada (IBC).

The study polled 1,014 drivers in key population centers in the Greater Montreal area, the Greater Quebec City area, and other locations in the province. The results show that claims settlements are a “fuzzy concept” for many drivers in Quebec, which is home to 5 million motorists.

23% of drivers think that it is necessary to call police after a collision, even if no party is injured. 42% do not know that insurance companies take into account policyholder responsibility when deciding compensations. 44% believe that they need to pay a deductible even if they are in a no-fault collision.

The majority (69%) do not know that they are contractually covered when involved in a collision for which they are not liable, even if no vehicle damage coverage is on the policy. This alone is worrying as it means some customers may not be taking advantage of their rightful insurance when they need it.

“We know that insurance is not a favorite topic among consumers, but since motorists are required to be insured, it is in their best interest to know what their policy covers,” said Anne Morin, head of public affairs at the GAA, in the release.

Morin points out that simply taking the time to understand a policy will mean customers are properly covered and get coverage when they need it.

“A better understanding of why we pay a premium not only increases our level of satisfaction but also contributes to ensuring we have the right coverage,” she said.