Are you shopping for your car, home or recreational vehicle insurance and want to know what customers think of L’Unique Assurance? Here is our unbiased analysis based on Assur360’s cumulative experience with L’Unique since 2014, and the real feedback from Quebec customers.
Strengths of L’Unique Assurance
✅ Acceptance of difficult profiles
L’Unique regularly accepts drivers with claims, young licenses, criminal records — where Intact or Desjardins refuse. Customer rating: 4.7/5 on this criterion.
✅ Service in French
100% Quebec — customer service, fitters, advisors based in QC. Customer rating: 4.6/5.
✅ RV Snowmobile Coverage
Excellent partner for recreational vehicles (snowmobile, RV, quad). Rating: 4.5/5.
✅ Multi-policy discount
The combination of car + home + RV generates a cumulative discount of up to 25%. Rating: 4.4/5.
Weaknesses to consider
To keep in mind before signing
- Exclusive broker distribution — no direct quotes on their website.
- Rates are sometimes higher for standard profiles (better to go to Intact or Aviva).
- Limited mobile app compared to large insurers.
- Average complaint time (3-7 days) slightly longer than market leaders.
Verified customer testimonials
⭐⭐⭐⭐⭐
“After 3 refusals with other insurers because of a recent claim, L’Unique accepted me at a very reasonable price. A true partner for non-standard profiles. »
— Mathieu L., Sherbrooke
⭐⭐⭐⭐
“I kept L’Unique 8 years old for my snowmobile and RV. Impeccable French service. Small downside: their app is outdated. »
— Caroline T., Saguenay
⭐⭐⭐⭐⭐
“L’Unique quote via Assur360 = -$420/year on my car compared to Belair Direct. Recommend to all. »
— François D., Trois-Rivières
L’Unique vs other Quebec insurers — Comparison
| Criterion | The Unique | Intact | Desjardins | Promutuel |
|---|---|---|---|---|
| Non-standard profiles | ★★★★★ | ★★ | ★★ | ★★★ |
| Service in French | ★★★★★ | ★★★★ | ★★★★★ | ★★★★★ |
| Recreational vehicles | ★★★★★ | ★★★ | ★★★ | ★★★★ |
| Mobile | ★★ | app★★★★★ | ★★★★★ | ★★★★ |
| Standard | ★★★ | ★★★★ | ★★★★ | ★★★★ | Profile Pricing
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