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The Only Insurance in Quebec — Compare with Assur360

L’Unique Assurance is one of the few 100% Quebec insurers still active on the market, with more than 45 years of experience in personal and commercial matters. Specializing in non-standard profiles and recreational vehicles, L’Unique offers competitive coverage that few insurers agree to cover. Assur360, an AMF-certified independent broker, is a partner of L’Unique and can provide you with a price offer in less than 3 minutes, with no fees or commitments.

PARTNER BROKER L’UNIQUE

Get a L’Unique quote in 3 minutes

Assur360 gives you access to L’Unique rates — a 100% Quebec insurer available exclusively through an independent broker.

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1978
Founded in
350+
Broker Partners in Quebec
5
Product Lines
100%
Quebecers

About L’Unique Insurance

Founded in 1978 in Quebec City, L’Unique Assurance has built a solid reputation by accepting files that major insurers often refuse: young drivers, accident history, high-risk recreational vehicles or companies with special needs. This inclusive approach, combined with deep local expertise, makes it a key player in the Quebec insurance market.

Unlike some insurers who sell directly online, L’Unique distributes exclusively through a network of more than 350 independent brokers certified by AMF in Quebec. This strategy ensures that each customer receives personalized professional advice, not automated selling. Assur360 is part of this privileged network and can submit a L’Unique offer to you by comparing you with several other insurers simultaneously.

i️

Exclusive access via independent broker

The Unique is not directly accessible to the public. Assur360, an AMF-certified independent broker, gives you access to their best rates — at no additional cost and without commitment on your part.

L’Unique vs other Quebec insurers: 2026 comparison

Before signing with L’Unique, here is how she positions herself against other major insurers in Quebec on the criteria that matter:

Auto DwellingConstruction$$$$$$$$$$$$$$$$$$$$
CriterionThe UniqueIntactDesjardinsPromutuel
Standard✅✅✅✅
Substandard✅ Auto Limited Specialty⚠❌⚠ Limited
Standard✅✅✅✅
Corporate / Commercial✅✅✅✅
✅Surety Specialty⚠❌⚠
Standard Market Price$$$$$$$-$$$$$$$$$$$$$$$$$$$$$$

What to remember : L’Unique is particularly strong on substandard car files (second chance, bad driving record) and construction bonds. For a standard file, Promutuel can offer a better price. Only a quote compared via an independent broker like Assur360 reveals the truth about your own profile.

L’Unique insurance products

🚗

Car insurance

Standard and non-standard vehicles. L’Unique is known for accepting profiles that are more difficult to insure.

  • Young drivers (16-25 years old)
  • History of accidents or violations
  • Multi-vehicle discounts available
🏠

Home insurance

Owners and tenants, single-family homes, condos and apartments. Complete protection against common losses in Quebec.

  • Water damage and sewer backup
  • Theft, breakage and civil liability
  • Multi-policy auto+home discount
🏔️

Recreational vehicles

L’Unique is one of Quebec’s leaders in recreational vehicles, with products adapted to each season.

  • Snowmobile, motorcycle, ATV / quad
  • Boat and pleasure craft
  • Recreational vehicle (RV) and motorized
🏢

Business Insurance

For Quebec SMEs that need flexible coverage adapted to their sector of activity.

  • Commercial General Liability
  • Goods, equipment and stocks
  • Professional errors and omissions
🔒

Suretyship

Surety solutions for construction companies and general contractors in Quebec.

  • Bid Bond
  • Performance bond
  • Payment Bond
insurance 2,200 1,800 insurance 1,600 1,350 700 580 competitive rate
ProductAverage market price (annual)L’Unique Pricing via BrokerPotential savings
🚗 Car$1,400 – $$1,100 – $up to $300
🏠 Home$900 – $$750 – $up to $250
🏔️ Snowmobile$350 – $$280 – $up to $120
🔒 SuretyVaries according to contractNegotiatedOn personalized quote

* Approximate prices for information purposes only. Actual premiums vary depending on your profile, your region and the coverage you choose.

Why use Assur360 for L’Unique?

1

You fill out our form in 3 minutes

Our online form is simple, fast and secure. You provide your basic information: vehicle, address, driving history. No need to call or wait.

2

Our AMF broker analyzes your profile

An AMF-certified broker will review your file and identify the L’Unique products best suited to your situation, including if you have a non-standard file.

3

We submit to L’Unique and other insurers

Your file is submitted simultaneously to L’Unique and to 8 other partner insurers. You receive an honest comparison of the best offers available for your profile.

4

You receive the best offer by email

Your quote is sent to you by email with a clear explanation of the coverages. No obligation to subscribe — you can make your decision with complete freedom.

MULTI-INSURER COMPARISON

Assur360 compares L’Unique with 8 other Quebec insurers to guarantee you the best price.

100% free service. No commitment. Response in less than 24 hours.

Compare now→

Why compare before signing with L’Unique?

L’Unique is an excellent Quebec insurer, especially for sub-standard profiles. But that doesn’t mean it’s automatically the best deal for your situation. Here’s why comparison is still essential:

💰 Price differences of up to 40%

Between L’Unique and its competitors, premiums can vary from $200 to $800/year for the same profile. Without comparison, you don’t know if you’re paying fairly.

🎯 Different specialties

The Unique excels in sub-standard and surety. For a new Tesla or a high-value condo, another insurer may be more competitive.

🛡️ Coverages to compare

Deductibles, endorsements (FPQ5, FAQ 27) and exclusions differ between insurers. For the same price, some policies are worth 2 times more.

⚖️ 100% independent

L’Unique agents sell L’Unique. An AMF-certified Assur360 broker works for you — the insurer pays the commission, not you.

Testimonial: a customer who chose L’Unique via Assur360

“After 3 refusals with direct insurers because of my driving record, Assur360 found me a policy with L’Unique in 3 days. A more reasonable bonus than I expected. Zero stress, zero hidden costs. »

— Martin L., Saguenay (March 2026)
Home + Auto Insured via L’Unique

Frequently Asked Questions about L’Unique Assurance

Is Unique Insurance reliable?
Yes. L’Unique Assurance is a Quebec insurer in operation since 1978, overseen by the Autorité des marchés financiers (AMF) of Quebec. With over 45 years of experience and hundreds of thousands of insured customers, its financial strength and reputation in the industry are well established.
Can I contact L’Unique directly?
No. L’Unique distributes its products exclusively through a network of independent AMF-certified brokers. You can’t get a quote directly from L’Unique — you have to go through a partner broker like Assur360. This approach ensures that you receive professional advice tailored to your situation.
What is the difference between L’Unique and a direct insurer?
A direct insurer (such as those who advertise on television) sells without an intermediary. L’Unique, on the other hand, distributes exclusively through independent brokers. This means that your broker analyzes your profile, compares several insurers and recommends the best option — not just L’Unique. The service is free and the advice is objective.
How long does it take to get a L’Unique quote?
With Assur360, the process is fast: fill out the form in 3 minutes, and you receive your compared quote by email in less than 24 business hours. For standard folders, the response can be even faster. You don’t have to travel or wait in line.
Is Unique Insurance available everywhere in Quebec?
Yes, L’Unique operates throughout Quebec thanks to its network of more than 350 independent brokers. Whether you are in Montreal, Quebec City, in the regions or in a rural area, a broker partner can provide you with a L’Unique offer adapted to your postal code.
Does L’Unique accept bad cases?
This is one of L’Unique’s great strengths: it is known for accepting non-standard profiles that the major direct insurers often refuse. This includes young drivers (16-25 years old), drivers with recent claims, Highway Safety Code violations, or interruptions in coverage. Conditions and premiums vary depending on the profile, but L’Unique has a range of suitable solutions.
Which recreational vehicles does L’Unique insure?
L’Unique offers insurance for a wide range of recreational vehicles: snowmobiles, motorcycles and scooters, ATVs and quads, boats and pleasure craft, as well as recreational vehicles (RVs) and motorized vehicles. It is one of the most comprehensive insurers in Quebec for motorized recreation, with adapted seasonal coverage.
Does L’Unique offer multi-policy discounts?
Yes. L’Unique offers discounts for customers who bundle multiple policies with them, such as a combination of auto + home, or auto + RV. These multi-policy discounts can represent a significant saving on the annual premium. Your Assur360 broker will calculate the optimal scenario to maximize your savings.
Does L’Unique insure companies?
Yes. L’Unique offers commercial insurance products for Quebec SMEs: civil liability, property and equipment insurance, errors and omissions, as well as surety solutions for construction contractors. The needs of companies are assessed on a case-by-case basis by a specialized broker.
Is the quote free with Assur360?
Absolutely. Assur360’s brokerage service is completely free for clients. We are paid by the insurers, not by you. You get an honest comparison of several insurers, including L’Unique, without paying anything and without any obligation to subscribe.

FREE OF CHARGE AND WITHOUT OBLIGATION

Your L’Unique broker, free of charge and without obligation

Fill out our form in 3 minutes. Our team provides you with the best L’Unique offers and compares with 8 other Quebec insurers.

Get my free quote→
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