Car insurance
On the road, like in life, the unexpected doesn’t wait. Our brokers shop the best insurers for you, so you drive with confidence and peace of mind.
Coverage overview
Car insurance is much more than a legal box to tick. At Univesta, our wide network of partner insurers lets us compare and find coverage that matches your situation and how you actually drive — so you can take the wheel with peace of mind.
Civil liability
Covers property damage and bodily injury you might cause to others on the road.
Collision damage
Protects your vehicle in an accident, no matter who’s at fault.
Theft and vandalism
Covers your vehicle if it’s stolen, vandalized or damaged by a malicious act.
Additional coverage
Replacement vehicle, glass breakage, roadside assistance — options for full peace of mind.
Why work with a broker
Part of a team, an independent broker works for you, not an insurer. They compare your options, give you straight, honest advice, support you at claims time, and stand up for your interests at every turn — so you never feel like you’re going it alone.
Access to multiple insurers
Your broker shops a range of insurers on your behalf and brings back the best options — coverage that genuinely fits, at the most competitive price out there.
Advice built around you
No one-size-fits-all here. Your broker gets to know your situation, your assets and your real needs, then recommends the right amount of coverage — not too much, not too little.
An ally at claims time
When something happens, your broker is right there in your corner — guiding you through the claim, speaking up for you with the insurer, and making sure you get everything you’re owed.
How to get a quote online
Getting a price has never been easier! Make your request online in just a few minutes — or, if you’d prefer a personal touch, give our team a call at 1 833 789-9203.
Step 1
Start a conversation with Olivo — click our chatbot to begin your quote.
Step 2
Answer Olivo’s questions — our bot will ask you a series of questions to find you the best coverage at the best price.
Step 3
Connect with our team by phone — our experts can review your quote, advise you on the coverage you’ve chosen, and answer your questions, so you can make an informed choice.
Step 4
Sign up for your new insurance policy — and you’re all set! You’ve now got protection that’s just right for you.
FAQ
Questions about your car insurance? You’re not alone. Here are clear answers to the ones we hear most.
Yes — quite a bit. Tickets, at-fault accidents and past claims all factor in. A clean record can earn you solid discounts. Your Univesta broker knows each insurer’s criteria and can find the best fit for your profile.
Generally yes — insurance follows the vehicle, not just the driver. But if the person behind the wheel isn’t named on your policy and has an accident, restrictions may apply. Check with your broker to be sure everyone in your household is properly covered.
Stressful, but you’re not without options. In Quebec, the SAAQ covers bodily injury regardless of fault. For property damage, your own policy may cover you, depending on what you carry. Your Univesta broker will see you through every step of the claim.
Civil liability covers damage you cause to others — it’s the minimum required in Quebec. All-perils goes further, covering damage to your own vehicle too, whether from a collision, theft or vandalism. Your broker will help you choose what’s right for you.
What matters to you matters to us.
We take the time to really understand your situation, so we can protect you better.