2nd Chance Car Insurance
Has your insurer just cancelled your car insurance policy ? Don’t panic: a cancellation, even for non-payment, false declarations or multiple claims, does not mean the end of your mobility. At Assur360, our AMF-certified brokers have been specializing in substandard auto insurance files in Quebec for over 30 years. We compare several specialized insurers to find you coverage that complies with the Automobile Insurance Act, quickly and without judgment.
IN BRIEF
Car insurance for cancelled drivers
If your last insurer cancelled your policy (non-payment, misrepresentation, multiple accidents), the standard markets will deny your claim for 3-7 years.
Solution: specialized non-standard markets (Pafco, Echelon, Cumis) accept terminated contracts. Increased bonus but possible resumption. An independent broker knows all of these markets.
ASSURANCE AUTO RÉSILIÉE — QUÉBEC 2026
Refusé ou résilié ? Nous trouvons une solution.
Courtiers spécialisés en risques difficiles, réseau de 9+ assureurs au Québec. Soumission confidentielle en 3 minutes, sans engagement.
Obtenir ma soumission gratuite 1-866-357-4451Why choose Assur360 after a car insurance cancellation
Finding an insurer after a cancellation can take dozens of hours — and a lot of refusals. Our brokers know the specialized insurers (sub-standard) who accept difficult files and know how to present your profile to get the best possible premium.
Substandard insurers
Direct access to the market of specialized insurers who accept cancellations for non-payment, fraud, multiple claims or demerit points.
No judgment
Our brokers handle your case with discretion and professionalism. Your history is analyzed objectively, without reproach.
Best Price Guarantee
We compare several sub-standard insurers to find the most competitive premium for your actual situation.
Reasons for cancelling car insurance in Quebec
An insurer cannot cancel a policy arbitrarily. The Quebec Insurance Act strictly regulates accepted reasons. Here are the 5 most common reasons that lead to a cancellation.
Non-payment of premiums
Cause #1: Returned cheque, refused direct debit, delay of more than 15 days. The insurer sends a notice 15 days before the actual termination.
False declaration
Omission or lies about drivers, mileage, commercial use, past claims. The insurer can cancel retroactively (nullity ab initio).
Multiple claims
Three or more claims in 3 years (at fault or not) can trigger a termination for aggravation of the risk.
Demerit points
Accumulation of points on the SAAQ record, excessive speeding, racing, dangerous driving. The insurer adjusts the risk upwards or terminates.
Criminal offences
Drinking and driving, hit-and-run, dangerous driving under the Criminal Code (s. 320). Almost automatic cancellation by the standard insurer.
Non-renewal
The insurer may refuse to renew at maturity. Technically not a termination, but the effect is identical: you have to find new coverage.
Consequences of cancelling car insurance
A cancellation leaves a trace in your insurance file for 3 to 6 years. This marker is visible to all insurers in Quebec via shared databases. Here’s what you need to know.
Trace in your file (3 to 6 years)
Cancellation is recorded in the insurers’ shared databases. It remains visible for 3 years for non-payment and up to 6 years for a false declaration.
Increased premiums (50% to 300%)
Substandard insurers apply a surcharge. Depending on the reason and severity, your premium can double or triple compared to the standard rate.
Liability insurance obligation
In Quebec, the Automobile Insurance Act (CQLR, c. A-25) requires a minimum of $50,000 in civil liability for all vehicles in circulation. Driving without this coverage is an offence punishable by $500 to $1,500 in fines.
Gradual restoration of the file
After 36 months without incident and punctual payments, several standard insurers are accepting your file again. Our brokers follow your profile and switch you back to a normal rate as soon as possible.
Broker Tip: Always Tell the Truth
Attempting to hide a termination when making a new application is a false statement (art. 2408 C.C.Q.) that can result in the nullity of your contract AND the refusal of compensation in the event of a claim. Always declare your full history: we will still find a solution.
Typical surcharges by reason for termination (Quebec 2026)
| Reason for termination | Estimated | surchargeTypical | durationBack to standard |
|---|---|---|---|
| One-time | non-payment+20% to +50% | 1 to 2 years | 24 months |
| non-payment | +75% to +150% | 3 years | 36 months |
| False declaration | +100% to +200% | 5 years | 60 months |
| Multiple Claims (3+) | +50% to +125% | 3 years | 36 months |
| Demerit Points (10+) | +60% to +140% | 2 to 3 years | 36 months |
| Alcohol/Impairment | +150% to +300% | 6 years | 72 months |
*Fourchettes indicatives 2026 basées sur notre réseau d’assureurs sous-standard. Votre prime réelle dépend de votre véhicule, âge, région et historique complet. Obtenez votre prix exact en 3 minutes.
Mandatory honest declaration — legal consequences
According to article 2408 of the Civil Code of Québec, the policyholder must declare all known circumstances that are likely to influence the insurer. Hiding a previous termination, a claim, a criminal conviction or a household driver is a misrepresentation.
Consequences: nullity of the contract, refusal of compensation in the event of a claim, retroactive termination, and registration in the file of false declarations for 6 years. There is always an insurer that will accept your true file — never take that risk.
Deadlines and steps to find car insurance
Rassemblez vos documents
Lettre de résiliation, dossier SAAQ (permis + immatriculation), historique de sinistres (FRE de votre ancien assureur), relevé de conduite. Notre équipe peut vous aider à les obtenir.
Soumission en ligne (3 min)
Remplissez notre formulaire sous-standard. Déclarez toute l’information demandée. Votre dossier est traité confidentiellement.
Comparaison d’assureurs spécialisés
Un courtier dédié analyse votre profil et soumet votre dossier à 3-5 assureurs sous-standard. Vous recevez les meilleures offres en 24 à 48 h.
Souscription et preuve d’assurance
Signature électronique, paiement (mensuel ou annuel) et émission de votre Attestation d’assurance pour la SAAQ le jour même.
Restauration progressive
Après 24 à 36 mois de paiements ponctuels et sans sinistre, nous révisons votre dossier et vous rebasculons vers un assureur standard à meilleur tarif.
SOUMISSION CONFIDENTIELLE
Votre résiliation n’est pas une sentence.
Nos courtiers traitent chaque dossier avec discrétion. Obtenez 3 à 5 offres d’assureurs sous-standard en 24 h.
Soumission gratuite Parler à un courtierTypes of Files We Accept
🧾 Résiliation pour non-paiement
Chèques retournés, paiements automatiques refusés, retards répétés. Solutions disponibles même après plusieurs résiliations.
📋 Fausse déclaration antérieure
Inscription au fichier des fausses déclarations. Nous trouvons des assureurs qui acceptent ce profil après déclaration honnête.
🚑 Sinistres multiples
3 réclamations ou plus en 3 ans. Couverture disponible avec franchise ajustée et protection adaptée.
🚔 Points de démérite SAAQ
Grand excès de vitesse, course, infraction grave au Code de la sécurité routière. Voir aussi après facultés affaiblies.
⚖️ Dossier criminel
Condamnation art. 320 C. cr. ou autre. Consultez notre page assurance auto dossier criminel.
🔁 Non-renouvellement
Votre assureur refuse de renouveler votre police à l’échéance. Nous trouvons rapidement une alternative avant l’expiration.
Service throughout Quebec
Our AMF-certified brokers serve cancelled or refused Quebec motorists throughout the province: Montreal, Quebec City, Laval, Gatineau, Longueuil, Sherbrooke, Trois-Rivières, Saguenay, Lévis, Terrebonne, Saint-Jean-sur-Richelieu, Repentigny, Drummondville and Thetford Mines. Regardless of your region, the support is 100% remote (phone, email, electronic signature) and your certificate of insurance is issued the same day.
Related articles
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Couverture spécialisée après condamnation criminelle au Québec.
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Protégez votre maison même avec un dossier compliqué.
Frequently asked questions — Cancelled car insurance
Why trust Assur360?
SOUMISSION GRATUITE — 3 MIN
Une résiliation, ce n’est pas la fin. C’est un nouveau départ.
Obtenez jusqu’à 5 soumissions d’assureurs sous-standard en 24 h. Sans engagement, 100 % confidentiel.
Obtenir ma soumission 1-866-357-4451