Pafco Auto Rates — Indicative Ranges by Type of Problem (Quebec, 2025)
The amounts below are monthly estimates for a “at risk” profile and vary by vehicle, region, driver age, history and coverage. Assumption “RC + All risks” with usual deductibles: collision 1 000 /multiple risks 500/rismultiples500.
| Type of issue | Examples/Criteria | Typical Impact vs. Standard Folder | RC only (monthly) | Liability + All Risks (monthly) |
|---|---|---|---|---|
| Simple risk file (reference) | 1 minor incident, 30<day gap | Base | $120–180 | $200–320 |
| Non-payment / recent cancellation | Cancellation for non-payment in the last 24 months | +15–45 % | $140–230 | $230–390 |
| Licence suspension | Suspension 12–36 months (excluding DUI) | +40–90 % | $170–300 | $260–500 |
| Alcohol/Drugs (DUI) | Alcohol/drug conviction or suspension | +90–180% (variable acceptance) | $220–380 | $320–600 |
| Multiple at-fault claims | 2–3 at-fault claims in 24–36 months | +35–80 % | $160–280 | $240–460 |
| Major Offenses / High Points | Major speeding, dangerous driving, multiple reports | +25–70 % | $150–260 | $230–420 |
| New driver in Canada (no history) | Licensed ≤ 2 years in the country, no local history | +10–30 % | $130–210 | $210–350 |
| Young driver + recent claim | < 3 years of licence and at-fault claim < 24 months | +30–85 % | $160–280 | $240–460 |
Pafco – Home & Auto Insurance
Pafco home and auto insurance is the second chance insurance in Quebec, Pafco is a solid broker partner with whom it has advantageous agreements for its customers.
Founded about twenty years ago, Pafco Insurance Company’s mission is to build a solid foundation to be able to offer its policyholders specialized insurance products, as well as customer service worthy of the largest insurance companies, with the help of a network of independent and very dedicated brokers.
Among its services, Pafco can provide auto insurance to private drivers who cannot have coverage in the standard insurance market. In addition, Pafco can even insure you in the event that you have a lack of driving experience, a history of road accidents or insurance interruption, traffic violations or license suspension, in short, anything that could put a brake on a driver’s insurance application in the standard personal insurance market.
So, if you are one of those drivers who would like to improve your insurance record, Pafco will be happy to welcome you with open arms. We can provide you with a non-standard insurance policy at unbeatable prices that is made to meet your needs as an individual.
In case you have a claim to make, you should know that Pafco provides you with a claims service that is available 24/7 all week, which is just as valid for repair programs that will provide you with quality repairs when needed, not to mention the written warranties on all work, as well as the preferred service.
What you will gain with Pafco is a more serene mind and fewer worries in your life! In the event of a claim, Assur360 and its partners have a team of professionals who are highly trained to explain the coverages we offer, but who can also guide you through the claims settlement process.
What Pafco Insurance is generally committed to offering you:
- We will provide brokers and policyholders with a bilingual telephone support, 24 hours a day, 7 days a week;
- We will inform customers of Pafco’s guarantees;
- We will explain how a claim will be handled;
- We will try to provide an accurate and timely assessment of the loss at Pafco;
- We’ll give you a choice by recommending a guaranteed repair service, but you can also choose your own repair service.
We will respond quickly and efficiently to all your requests at Pafco.
Do you have real protection?
For more details on our products, services or Pafco insurance, get a quote quickly !
- Request a quote with Pafco:
- Non-standard car insurance;
- Substandard home insurance;
- 2nd chance credit insurance;
- Comparator substandard home insurance of 2nd chance;
Some basics about Pafco car insurance
Your civil liability
Car insurance is first and foremost a liability as a civil liability. Thanks to it, you will be protected against the claims that people will throw at you in the event of bodily injury or property damage during a road accident.
Third-party liability does not cover property damage to your vehicle.
Car insurance will also cover damage to your vehicle, including its equipment and accessories.
Pafco offers you four types of guarantees that you can choose from:
- Collision and rollover hazards
- Risks except collision and rollover
- All risks except
- Specific risks
To make a good transaction as an insurance consumer, here are some basic principles:
You will need to choose your insurance brokers based on their product and service recommendation as well as their ability to assess your insurance needs.
Your broker will have to make you purchase proposals based solely on the characteristics of the products and services he offers, including the value of his own services.
- It is legitimate for your instructions to be respected by your broker, he must not make transactions that would go against the laws under any circumstances.
- You have the right to have a qualified and professional property and casualty insurance broker, so if you have any doubts about their qualifications, you can contact the appropriate regulatory body .
- You have the right to demand that your personal information be protected, so that it is only used for what it is intended. Unless required or permitted by law without your consent.
- You have the right to know about conflicts of interest and to stop dealing with the broker.
- You have the right to know all the details before making a decision on a financial product.
- You can demand a quick and effective resolution of complaints.
Ask us for a quick quote for your 2nd chance car insurance or your home. Almost no applications were rejected by Pafco. Many second chance car dealerships refer their customers to us for fast service even on weekends and in the evening.
Pafco offers premium financing by direct debit or credit card.
Always consult with a certified Assur360 representative for more details on Pafco and insurance.
Does Pafco insure all drivers?
Eligibility depends on your driving record, claims history, vehicle and postal code. A broker can quickly validate whether Pafco is appropriate or whether another insurer would be more competitive.
What are the benefits of choosing an independent broker?
Since Pafco is a manufacturer of damage insurance, it is essential to acquire a broker who can effectively take care of your case. You must also provide information about your damage insurance needs
If something is not very clear to you, don’t hesitate to ask your Assur360 broker for more information. By doing this, you will avoid misunderstandings and your confidence in the information you have acquired.
