What insurance do you need?
Answer 8 simple questions and get your personalized recommendations in 2 minutes. 100% free, no registration required.
8 questions • 2 minutes • Instant results
Why do the quiz?
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
What is your type of residence?
Your home determines the type of home coverage you need.
How many vehicles do you own?
Include all registered vehicles (car, truck, SUV).
Do you own recreational vehicles?
Select all that apply.
Multiple choices — click to select/deselect
What is your professional situation?
Some professional activities require specific coverage.
What is your family situation?
Your family influences your life insurance and protection needs.
Do you own a cottage or a second home?
Include cottages, vacation homes, or land with buildings.
Are you travelling outside of Canada?
Travel insurance covers emergency medical expenses abroad.
Do you have any particular concerns?
Select all that apply.
Multiple choices — click to select/deselect
Recommended insurance for your profile
📋 Your profile
✅ Essential insurance for you
These coverages are highly recommended according to your profile.
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Essential insurance in Quebec
In Quebec, some insurance is mandatory, others are strongly recommended. Here is an overview of the most common coverages:
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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.
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Cities served in Quebec
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.
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