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2026 FAQ 33 Endorsement in Quebec: Turo, Communauto and Leased Vehicle

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Do you rent regularly on Turo, do you use Communauto for your groceries or do you take an Enterprise for a weekend? The FAQ 33 endorsement can save you from accepting the premium protection plans at $30-80/day offered by these platforms. Our AMF-certified Assur360 brokers explain its cost, scope and the optimal combo with FAQ 27 in 2026.

Amendment FAQ 33

Rent with peace of mind on Turo and Communauto

Our broker checks whether FAQ 33 is optimal for your rental profile.

Add FAQ 33 for free
$20-40
Annual cost
30 days
Max Duration/Rental
$1-2M
Liability covered
$0
Liability deductible

For whom is the FAQ 33 amendment profitable?

🚗

Regular Turo users

3+ rentals per year. FAQ 33 is reimbursed from the 1strental by avoiding the premium protection plan.

🛴

Active Communauto members

Reduces the loss deductible from $500-1,500 to a few dollars — with no surprises in your monthly budget.

✈️

Business travellers

Frequent Enterprise/Hertz rentals. FAQ 33 replaces the $20/day CDW/LDW at the counter.

How the FAQ 33 amendment fits in with Turo and Communauto

1

Turo: Protection Plan at the time of booking

Turo requires its own paid protection plan. FAQ 33 complements the need to cover uncovered deductibles and grey areas.

2

Communauto: Proof of personal insurance

Communauto accepts your FAQ 33 as proof of insurance to reduce the loss deductible — significant savings in the event of an accident.

3

Airport rental: refuse the CDW

With FAQ 33 (+ FAQ 27 for damages), you can decline the Collision Damage Waiver offered at $15-25/day.

4

Travel USA: Combine FAQ 33 + FAQ 20

To rent in the United States, check that your FAQ 33 extends there, or combine with FAQ 20 for a longer stay.

💡

Combo optimal Assur360

To cover any rental scenario — Turo, Communauto, airport, USA — our brokers recommend the FAQ 33 + FAQ 27 + FAQ 20 combo. Total cost: $70-130/year, compared to $30-80/day of protection plans paid on a case-by-case basis.

Indicative prices FAQ 33 in 2026 in Quebec

ProfileUsageRecommended RidersTotal Cost/Year*
Occasional Turo User3-5 rentals/yearFAQ 33 single$20-30
Regular Turo User10+ Rentals/YearFAQ 33 + FAQ 27$50-70
Active Communauto member15+ trips/monthFAQ 33$25-35
Business Traveler8+ Airport Rentals/YearFAQ 33 + FAQ 27 + FAQ 20$80-130

*Indicative rates 2026. Get your exact price in 3 minutes.

⚠️

Attention: Read the Turo contract

Some Turo hosts require the $80/day premium plan and decline your personal coverage. FAQ 33 does not replace the platform’s contractual requirements — check before you book.

Rent smarter

Add FAQ 33 to your policy in 24 hours

Our brokers compare the FAQ 33 endorsement with several insurers — free in 3 minutes.

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The 3 “rental” amendments to be aware of

🚙

FAQ 33 — Short-term rental vehicle

$20-40/year. Covers RC for Turo, Communauto, Enterprise, Hertz.

🔧

FAQ 27 — Damage to Someone Else’s Vehicle

$40-80/year. Covers damage to the rented or borrowed vehicle.

🚗

FAQ 34 — Replacement Vehicle

$30-70/year. Car rental during repairs after your own loss.

Assur360 covers all of Quebec

Whether you are in Montreal, Quebec City, Laval, Gatineau, Sherbrooke, Trois-Rivières, Saguenay or Thetford Mines, our AMF-certified brokers compare the FAQ 33 endorsement and lease endorsements with several partner insurers in Quebec.

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Frequently asked questions about the FAQ 33 amendment

What is the FAQ 33 addendum?
The FAQ 33 endorsement extends your personal coverage (liability and damages) to the driver of a short-term rental vehicle. This is the key endorsement for users of Turo, Communauto, Getaround, or Enterprise/Discount rentals of less than 30 days.
Do I need FAQ 33 for Communauto or Turo?
Communauto includes basic coverage in its rates, but with a high deductible ($500-1,500). Turo offers several paid protection plans ($30-80/day). With FAQ 33 on your own policy, you’re covered with no additional deductible for liability — and you save on premium plans.
How much does the FAQ 33 endorsement cost in Quebec in 2026?
In 2026, the FAQ 33 endorsement costs $20 to $40 per year depending on the insurer. Compare to $30-80/day for integrated insurance for a service like Turo — the endorsement pays for in a single lease.
FAQ 33 Does it cover damage to the rented vehicle?
FAQ 33 Basic covers civil liability. For damage to the rented vehicle itself, it is often necessary to add the FAQ 27 endorsement (damage to someone else’s vehicle). Our Assur360 brokers often recommend the FAQ 33 + FAQ 27 combo for complete coverage.
Can I use FAQ 33 for an airport rental?
Yes, FAQ 33 applies to short-term rentals (less than 30 days) in Quebec and other provinces. For the United States, check that it applies — often yes, but with the added FAQ 20 endorsement.
Do Turo and Communauto accept FAQ 33 as proof of insurance?
Turo requests its own protection plan at the time of booking (required). FAQ 33 supplements to cover grey areas and deductibles. Communauto accepts your personal policy as proof for the deductible reduction.
Does Endorsement FAQ 33 apply if I drive a friend’s car?
No, FAQ 33 concerns short-term leased vehicles. To drive a friend’s car without being named on his policy, it is the principle of “named perils” of his own policy that comes into play — but with limitations. For regular use, it is better to be added as a secondary driver.
FAQ 33 Replace Visa/Mastercard Insurance?
No, credit card insurance only covers damage to the vehicle (collision and theft), not civil liability. FAQ 33 fills this gap. Ideally, combine the two: FAQ 33 for civil liability, premium credit card for damages.

Why trust Assur360?

✓AMF certified brokers
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✓100,000+ submissions processed
✓Independent comparator
✓Partner firms in Quebec
✓ Bilingual service FR + EN

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