Are you involved in an accident in Quebec and your car is immobilized for three weeks? Without the FAQ 34 endorsement, you pay for the rental out of pocket — often $40 to $70/day. Our AMF-certified Assur360 brokers explain how this endorsement works in 2026, how much it costs, the 3 subcategories 34a/34b/34c and when it’s really worth it.
Amendment FAQ 34
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Compare the FAQs 34 endorsements available from our Quebec insurance partners.
Free quoteThe 3 categories of FAQ 34 amendment in 2026
FAQ 34a — Rental only
Covers the rental of a vehicle during repairs. The most economical formula, suitable for urban areas with public transport available.
FAQ 34b — Public Transportation
Reimburse taxi, bus and transportation costs when rental is not required. Useful for customers who prefer Uber or bus.
FAQ 34c — Full Combination
Transportation rental and reimbursement with more generous limits. Default choice for the majority of our Assur360 customers.
How to get your replacement vehicle
Report the claim to your insurer
Contact your insurer or broker as soon as the accident occurs. Mention that you have the FAQ 34 addendum and request immediate activation.
Get Rental Authorization
The insurer confirms the authorized vehicle category (compact, midsize, SUV) according to your daily limit.
Pick up the vehicle from a partner rental company
Insurers have agreements with Enterprise, Discount or Hertz. You don’t advance money — the bill goes directly to the insurer.
Return the vehicle when the repairs are complete
As soon as your car is ready, you return the lease. Coverage ends automatically.
Our broker’s advice
For most Quebecers, the FAQ 34c rider with a limit of $1,500 overall and $45-50/day is the best choice — you’re covered for more than 30 days and for almost any scenario (accident, theft, fire).
Indicative prices FAQ 34 in 2026 in Quebec
| Category | Daily Limit | Overall Limit | Annual Cost* |
|---|---|---|---|
| FAQ 34a — Economy | $30/day | $900 $ | 30-$40 |
| FAQ 34a — standard | $45/day | $1,200 $ | 45-$55 |
| FAQ 34c — full | $45/day | $1,500 $ | 55-65 |
| FAQ 34c — extended | $60/day | $1,800 | $65-75 |
*Indicative rates 2026. Get your exact price in 3 minutes.
Attention: waiting period in case of theft
Some insurers impose a period of 24 to 72 hours before the FAQ 34 endorsement is activated in the event of theft of the vehicle. Confirm this detail with your broker before subscribing.
Compare your endorsements
Add the FAQ 34 endorsement to your car policy
Our brokers compare categories 34a, 34b, 34c with several insurers — free in 3 min.
Free quote Call a brokerAmendment FAQ 34 vs other popular amendments
FAQ 34 — Replacement Vehicle
$30-70/year. Covers rental during repairs. Best ROI among all car endorsements.
FPQ 5 — Replacement Cost
$150-400/year. Repays replacement cost in the event of a total loss for the first 24-60 months.
FAQ 20 — Driving outside Quebec
$20-50/year. Expands coverage to the U.S. and out-of-province Canada.
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 34 endorsement and other auto endorsements with several partner insurers in Quebec.
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Endorsement FAQ 27 — damage to another person’s vehicle
Coverage for damage to the vehicle you rent or borrow.
Endorsement FAQ 20 — Driving Outside Quebec
Extend your auto policy to the United States and other provinces.
FPQ 5 Award in 2026
Price ranges and concrete examples for replacement cost protection.
Frequently asked questions about the FAQ 34 amendment
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