Are you a snowbird in Quebec and you’re going to Florida for 4 months? Are you driving in Ontario for work? Without the FAQ 20 endorsement, your Q.P.F. n°1 auto policy may no longer cover your extended stay outside Quebec. Our Assur360 brokers, AMF certified, will decipher in 2026 when this endorsement becomes mandatory, its cost and the famous yellow card card.
Amendment FAQ 20
Drive safely in the USA and outside Quebec
Our brokers verify that your car policy covers you wherever you drive — Florida, Ontario, New Brunswick.
Add FAQ 20 for freeWhen the FAQ 20 amendment becomes mandatory
Snowbirds Florida
Stay of 3 to 6 months per winter. Without FAQ 20, your insurer can deny the claim as early as the 31st day.
Working outside Quebec
2-6 month contract in Ontario, New Brunswick or the United States with your personal vehicle.
Second home
Cottage in Old Orchard or Cape Cod with your Quebec car parked on site several months a year.
How to add the FAQ 20 addendum
Contact your broker 2 weeks before departure
Our Assur360 brokers adjust your policy within 24 hours and send you the up-to-date Carte Jaune.
Communicate the exact duration and destination
The insurer adjusts the premium according to the number of days and the region (USA, Ontario, other).
Receive the Carte Jaune
This card proves your coverage to U.S. authorities. Keep in the vehicle at all times.
Increase your liability limit
U.S. lawsuits are higher. Go from $1 million to $2 million for about $20-40 more per year.
Snowbirds: the winning combo
Combine FAQ 20 + $2M RCA + Extended Roadside Assistance Endorsement. Total cost: $60-120/year to cover a 6-month stay in Florida, compared to $1,500-3,000 for U.S. term auto insurance.
Indicative prices FAQ 20 in 2026 in Quebec
| Profile | Duration outside QC | Region | Annual cost* |
|---|---|---|---|
| Snowbird Florida | 3-4 months/year | USA (Florida) | $25-45 |
| Snowbird Long Term | 5-6 months/year | USA (Florida, Arizona) | $35-55 |
| Mobile Worker Ontario | 3-6 months | Ontario/NB | $20-35 |
| Secondary Owner USA | Repeat Stays | USA East Coast | $40-60 |
*Indicative rates 2026. Get your exact price in 3 minutes.
Major Financial Risk with No FAQ 20
An at-fault accident in the U.S. without an FAQ 20 endorsement after 30 days can cost you several hundred thousand U.S. dollars. This is not an optional endorsement for snowbirds — it’s a necessity.
Snowbird or mobile worker?
Get your policy checked before you leave
Our brokers add FAQ 20 in 24 hours and provide the Carte Jaune — free service.
Free quote Call a brokerCompare the 3 car mobility endorsements
FAQ 20 — Outside Quebec
$20-50/year. Extends Q.P.F. No. 1 to the USA and other provinces for long stays.
FAQ 34 — Replacement Vehicle
$30-70/year. Car rental during disaster repairs.
FAQ 33 — Rented Vehicle
$20-40/year. Coverage for Turo, Communauto and other short-term rentals.
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 20 endorsement and other auto endorsements with several partner insurers in Quebec.
Related articles
FPQ 5 vs 43A vs 43D Endorsement
The 3 replacement cost coverages in Quebec explained.
Endorsement FAQ 34 — replacement vehicle
How much does the endorsement that provides you with a courtesy car cost?
Endorsement FAQ 33 — Turo and Communauto
The endorsement that covers short-term rentals between individuals.
Comparison of 7 car insurers in Quebec
Price, service, reputation — see the 2026 ranking.
Frequently asked questions about the FAQ 20 amendment
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