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Difficult to insure a vehicle after a suspension
If you are having trouble insuring your vehicle because you have just picked up your driver’s licence following a suspension, don’t worry. We understand that mistakes can happen and you won’t make them a second time. Here are some tips for you to avoid insurance problems.
For the years to come, it is essential to maintain a good car insurance premium and to respect both the speed limits and the Highway Safety Code. However, don’t be surprised if some insurers refuse to insure you. The most important; Be honest. Do not make false statements. If you don’t say anything about your licence suspension, you may not be compensated in the event of a claim.
Unfortunately, these are the consequences you will have to live with for a few years. You will also need to work with an insurer that specializes in licence suspension.
On the other hand, if you manage to maintain a good driving record, in just a few years, you will be able to be insured with a regular insurer, so it is certain that your insurance premium will decrease.
Tips to help you after a driver’s licence suspension
Here are some tips to help you make the right choices. First of all, prioritize the purchase of a vehicle with a low value, so you can opt for less protection and your insurance premium will decrease. Don’t forget to avoid making small statements to benefit from a good file. Also consider increasing your deductibles. Finally, contact an independent broker who works with several insurers specializing in licence suspension.
Have a good ride and be careful.
Frequently asked questions
How much does car insurance cost in Quebec in 2026?
The average cost of car insurance in Quebec is between $600 and $2,000 per year. The price depends on your age, driving experience, type of vehicle, location and coverage chosen. Get your free quote in minutes.
Quelles sont les protections d'assurance auto recommandées au Québec ?
In addition to the mandatory civil liability, it is recommended to add collision, complete perils (theft, vandalism, bad weather), replacement cost (recent vehicle), roadside assistance and the FAQ 43a endorsement for uninsured damage.
How to reduce the cost of your car insurance in Quebec?
To pay less: compare at least 3 quotes, bundle car + home, increase the deductible, maintain a good driving record, and ask for available discounts (lock, winter tires, low mileage). A broker can trade for you.