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Assurance auto deuxième chance au crédit Québec 2026 : solutions mauvais dossier

Faillite, non-paiement, résiliation : ces événements affectent votre crédit et votre prime auto. Nous avons des assureurs qui disent oui.

9+
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48h
Average submission time
$0
brokerage fees
10-40%
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Why your credit report affects your car premium in Quebec

Contrary to popular belief, insurers do not ask for your formal credit score in Quebec for cars, but they do check your non-payment record (unpaid premiums, cancellation, history of the Central Auto Claims File). A recent bankruptcy, bounced cheques, or a contract terminated for non-payment classify your profile as substandard — some insurers refuse, others charge high premiums. But specialized insurers accept these files at competitive rates, especially if you can demonstrate financial control.

Second Chance Car Insurance Credit — Assur360

IN BRIEF

Car insurance with bad credit

In Quebec, unlike in other provinces, your credit has a LESSER impact on your car premium (especially since the new AMF rules). However, some insurers take this into account.

Solution: non-standard markets accept difficult profiles (recent bankruptcy, consumer proposal). An independent broker accesses these markets (Echelon, Pafco, Pembridge).

Recent bankruptcy

Declared bankruptcy in the last 3 to 7 years, does not prevent you from taking out insurance. We work with insurers who accept without excessive penalty.

Termination for non-payment

If your previous insurer cancelled you for unpaid premiums, expect a refusal from the direct insurers. Specialized brokers have solutions.

History at FOCAC

The Central Automobile Claims File traces 10 years of history. We find insurers that do not penalize every old claim.

How to do it in 2026

1

Present your case honestly

Be transparent about your history. A broker can target insurers that accept your specific profile.

2

Get multiple quotes

Price differences between specialist insurers can be as high as 40%. Comparing is essential with a bad record.

3

Raise your profile

Drive without claims, pay on time, complete a defensive driving course. In 12-24 months, you will be able to revise downwards.

4

Subscribe and document

Keep all your payments up to date. Every year without incident puts your profile back on track towards a standard rate.

⚠️ Beware of promises that are too good

Some sites promise “guaranteed car insurance, no matter what your file”. Beware of hidden fees and contracts with unfair clauses. Assur360 is registered with the Autorité des marchés financiers (AMF) and only works with recognized insurers in Quebec.

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Quebec regions served

Assur360 supports clients throughout Quebec: Montreal, Quebec City, Laval, Gatineau, Sherbrooke, Trois-Rivières, Saguenay, Lévis, and all regional municipalities. No matter what your postal code is, our AMF-certified brokers are at your service.

Frequently asked questions

What is second chance car insurance on credit?
It is a car insurance adapted to profiles considered substandard: bankruptcy, termination for non-payment, accumulation of claims. Specialist insurers accept these cases at reasonable rates.
How much more does it cost than standard insurance?
In general, 20% to 80% more depending on the severity of the case. With a broker, the gap is quickly reduced over 2-3 years of good behavior.
What documents do I need to provide?
Valid driver’s license, proof of address, proof of ownership (or lease) of the vehicle, cancellation letter from the previous insurer, and if applicable, bankruptcy discharge document.
How long does substandard status last?
Generally 3 years for a termination, 5 years for a bankruptcy. But you can review your premium every year — it often drops before the end of the deadline.
Can I be refused by ALL insurers?
No. In Quebec, the Automobile Insurance Act through the Risk Allocation Plan (PRR) guarantees mandatory minimum access to insurance. A broker helps you avoid PRR if possible.
Do I have to file for bankruptcy?
Yes, always. A false statement cancels your policy. Insurers have access to public bankruptcy registers.
Can a young driver with bad credit get insured?
Yes. We have partner insurers that accept young drivers + bad records. The premiums are high but realistic.
Is monthly payment possible?
Yes, with most specialized insurers. A direct debit is often required.
How can I improve my profile quickly?
1) No defaults for 12 months, 2) No claims, 3) Recognized defensive driving courses, 4) Stable seniority of employment and address.
How long does it take for an Assur360 quote?
48 hours on average. For an urgent case, call us at 1-866-357-4451: we can expedite.

Why do business with Assur360

  • ✓ Firm registered with the Autorité des marchés financiers (AMF)
  • ✓ Certified brokers in the Insurance Chamber and the Insurance Chamber
  • ✓ More than 100,000 customers in Quebec since 2010
  • ✓ Bilingual service available at all times
  • ✓ No cost to the customer: we are paid by the insurer
  • ✓ 9+ insurers compared in a single step

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