Taking safely to the road on your holidays!

Taking safely to the road on your holidays!

Many of us spend time on the road during the holidays. Whether you travel outside Quebec with your own car or rent one in the United States or in Europe, are you well protected?

There are a number of options available to you: use your own vehicle, rent or even borrow a car from a friend or family member. Whatever you decide, measures must be taken before your departure.

Travelling outside Quebec by car

First notify your insurer if you’re travelling outside Quebec for over 8 weeks.

This is important because in some Canadian provinces and in the United States, if you’re involved in an accident the victims can sue you, which is not the case in Quebec. $2 million in civil liability coverage will give you better coverage.

Beware! Are you thinking about going to Mexico by car or with an RV? Your insurer won’t cover you for the damage you might cause. Before entering Mexico, at the border, you must purchase an auto insurance from a duly authorized Mexican company.

Renting a car during the holydays

In Canada or the United States

Q.E.F. No. 27 – Civil liability resulting from damage to non-owned automobiles endorsment INCLUDING aubomobiles provided by an employer is necessary for the rental of a vehicle in Canada or the United States. This will cover the material damage caused to vehicles you do not own, such as rented vehicles.

This endorsement is often included with full automobile insurance coverage. Ask your insurer for details. If you don’t have it already, you can add it at an affordable cost.

In Europe or elsewhere in the world

You must purchase your auto insurance from the automobile rental agency to be properly covered.

Borrowing a car from a friend or family member

In Canada or the United States

  • Ask the person if the vehicle is insured.

  • Ask your insurer if you have the necessary coverage and have the Q.E.F. No. 27 endorsment added if you haven’t already in order to cover any damage you may cause to a vehicle you have borrowed.

In Europe or elsewhere in the world

Ask the person if the vehicle is insured because your insurance policy does not cover any damages.

Need travel insurance?

Peace of mind is just a phone call away! Learn more.

*Source: Société de l’assurance automobile du Québec (SAAQ)