Serge's advices

For an uneventful ride

During my summer vacation, i like to go on roadtrips. To be certain that my trip goes smoothly, I make sure I have the right protection.

Beyond borders

For my out-of-province trips, although all automobile insurance issued in Quebec also applies outside of the province, I make sure to check my coverage. It is important to contact your broker. They will be able to verify that you have adequate coverage. It is also essential to tell them about the duration of your stay. Then, they can check with your insurer to see if any restrictions apply.

The essential coverages

Before I leave, I check that my automobile insurance policy contains the FAQ 20, which provides for the reimbursement of the cost of renting a temporary replacement vehicle in the event of an accident, as well as several other expenses that could result from an accident during a trip, such as transportation and hotel accommodation. I also need the FAQ 33 since it covers part of the roadside assistance costs, which could be useful in the event of a breakdown. In addition to these guarantees, I confirm with my broker that my civil liability is quite high, although the legal minimum in Quebec is $50,000, it is recommended to increase it to $2,000,000 given the risks of more frequent lawsuits and the exorbitant costs that can follow.

Mechanics are the key

Now that I'm sure I'm properly insured, I check my vehicle to prevent any problems. So what should I check? First, make sure the windshield wipers are in good condition and that I have enough windshield washer fluid on hand. I verify that my tires are properly inflated and that my spare tire is in my vehicle. To be certain that my car is in order, I ask my mechanic to check my battery, my signals, my brakes and any other element deemed relevant to my safety. 

To leave with peace of mind or for any questions : 1 866-961-3553


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