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In Quebec, more than 40% of households are underinsured without knowing it. Between mandatory car insurance, essential home, and often-forgotten coverage (life, recreational vehicles, business), it’s easy to miss out on important coverage. This quiz analyzes your situation in 8 questions and recommends exactly the insurance you need — no more, no less.
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Analysis of your insurance needs
Question 1 of 8
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What is your type of residence?
Your home determines the type of home coverage you need.
🏠
Homeowner Single-family, semi-detached or townhouse
✓
🏢
Owner of a condo Divided co-ownership
✓
🔑
Tenant Apartment or house for rent
✓
👤
I don’t have a residence to insure Staying with a relative
✓
How many vehicles do you own?
Include all registered vehicles (car, truck, SUV).
🚶
No vehicles Public transit or carpooling
✓
🚗
1 vehicle
✓
🚗🚗
2 vehicles
✓
🅿️
3 or more vehicles Fleet insurance option
✓
Do you own recreational vehicles?
Select all that apply.
Multiple choices — click to select/deselect
✓🏍️Motorcycle
✓❄️Snowmobile
✓🏔️Mountain biking / Quad biking
✓⛵Boat / Personal Watercraft
✓🚐RV / Motorhome / Trailer
✓🏎️Antique / Classic Vehicle
What is your professional situation?
Some professional activities require specific coverage.
💼
Employee Employee of a company
✓
🏡
Self-employed at home Freelance, consultant, freelancer
✓
🏪
Small Business Owner Retail, restaurant, professional office
✓
🏗️
Contractor / Construction General or specialized contractor
✓
🌴
Retired
✓
What is your family situation?
Your family influences your life insurance and protection needs.
👤
Single without children
✓
👫
As a couple without children Married or common-law partner
✓
👨👩👧
Family with minor children Dependent children under 18 years of age
✓
👨👩👧👦
Family with adult children
✓
Do you own a cottage or a second home?
Include cottages, vacation homes, or land with buildings.
🏡
Yes
✓
❌
No
✓
What is your age?
Your age can affect your life insurance rates.
👶
18-25 years old
✓
🧑
26-35 years old
✓
🧔
36-45 years old
✓
👴
46-55 years old
✓
👵
56 years old and over
✓
Do you smoke?
Smoking can impact your life insurance premiums.
🚬
Yes
✓
❌
No
✓
“““html
Select(6,this,’yes’)”>🏡
Yes
✓
❌
No
✓
What is your age?
Your age can affect your life insurance premiums.
👶
Under 25
✓
🧑
25 to 35
✓
👨🦳
36 to 50
✓
👴
51 or older
✓
What is your health status?
Your health can impact your life insurance options.
✅
Good health
✓
⚠️
Average health
✓
❌
Poor health
✓
“““html
Select(6,this,’yes’)”>🏕️
Yes, a cottage or second home
✓
🏘️
Yes, a rental property (income) Duplex, triplex, income property
✓
❌
No
✓
Are you travelling outside of Canada?
Travel insurance covers emergency medical expenses abroad.
🏠
Never, or almost never
✓
✈️
1 to 2 trips per year Annual vacation abroad
✓
🌍
Frequent flyer 3+ trips per year or snowbird
✓
Do you have any particular concerns?
Select all that apply.
Multiple choices — click to select/deselect
✓⚠️Challenging driving record
💳✓Poor credit history
✓🔥Claims history
✓🚫Refused by an insurer
✓🏦Mortgage to protect
✓📜Estate planning
0
Recommended insurance for your profile
📋 Your profile
✅ Essential insurance for you
These coverages are highly recommended according to your profile.
💡 Insurance to consider
These protections could be useful depending on your situation.
Ready to get your prizes?
An Assur360 broker compares offers from 20+ insurers for you.
In Quebec, some insurance is mandatory, others are strongly recommended. Here is an overview of the most common coverages:
Insurance
Mandatory?
For whom?
Average price
Auto
Yes (Third Party Liability)
All vehicle owners
$800 – $2,000/year
Housing
No (but required by lenders)
Homeowners and renters
$500 – $1,500/year
Families
with children, mortgage
$25 – $100/month
Business
By sector
Any entrepreneur or SME
$500 – $5,000/year
Non-Travelling
Trips
Outside Canada
$30 – $200/trip
💡 Did you know?
An independent insurance broker compares offers from several insurers to find you the best value for your money. Unlike an agent who represents a single insurer, the broker works for you. On average, our clients save between $200 and $600 per year by using an Assur360 broker.
Our brokers certified by the Autorité des marchés financiers (AMF) serve all of Quebec. Whether you are in Montreal, Quebec City, Laval, Gatineau, Longueuil, Sherbrooke, Trois-Rivières or Saguenay, get quotes tailored to your region.
Frequently asked questions — Insurance quiz
What insurance is mandatory in Quebec?
Automobile insurance (civil liability) is the only legally mandatory insurance in Quebec. However, home insurance is required by virtually all mortgage lenders. Business insurance is mandatory in certain regulated sectors (construction, professional services).
How many different insurances does the average household need?
A typical Quebec household (homeowner couple with 2 vehicles and children) usually needs 3 to 5 insurances : auto (mandatory), home, life, and potentially RV or travel insurance.
Can you bundle your insurance to save money?
Yes! Bundling (multi-product) is one of the best ways to save. By combining car + home with the same insurer, you can get a discount of 5% to 15%. A broker can identify the best combinations.
Why go through a broker rather than a direct insurer?
An independent broker compares the offers of several insurers (9+ at Assur360) to find the best value for money. A direct insurer only offers its own products. The broker’s service is free — his commission is paid by the insurer.
How do I know if I am underinsured?
You’re underinsured if: your home coverage doesn’t reflect the rebuilding value of your property, your auto liability is at a legal minimum of $50,000, or you don’t have life insurance even though you have a mortgage or dependents.
What is liability insurance?
Third-party liability insurance protects you if you cause damage to others (injuries or property damage). It is included in your car insurance (mandatory, minimum $50,000, recommended $2 million) and in your home insurance.
Is home insurance mandatory for tenants?
It is not legally mandatory, but it is strongly recommended and often required by the owner. It covers your personal belongings, liability and living expenses in the event of a claim. Its cost is usually between $200 and $500 per year.
Do I need life insurance if I’m single?
If you are single with no dependents and no debt, life insurance is not a priority. On the other hand, if you have a mortgage, a co-signed car loan, or if you want to cover your funeral expenses, a small policy may make sense. Premiums are very low when you’re young.
Are the quiz results reliable?
This quiz provides general recommendations based on your profile. It is not a substitute for a full analysis by a broker. For personalized recommendations and exact pricing, request a free quote — an Assur360 broker will analyze your situation in detail.
How much does a consultation with an Assur360 broker cost?
It’s 100% free. Consultation, comparison and quotes are free of charge and without obligation. The broker is paid by the insurer of your choice — you pay nothing more than by going directly to the insurer.
🏆 Why trust Assur360?
✓AMF certified brokers
✓9+ insurers compared
✓100% free service
Find the best coverage at the best price
An Assur360 broker compares more than 9 insurers for you. Free quote, no obligation.
