{"id":15685,"date":"2023-01-12T16:10:55","date_gmt":"2023-01-12T21:10:55","guid":{"rendered":"https:\/\/www.assur360.ca\/impaired-driving-insurance-2\/"},"modified":"2026-04-22T12:51:45","modified_gmt":"2026-04-22T16:51:45","slug":"impaired-driving-insurance-2","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/impaired-driving-insurance-2\/","title":{"rendered":"Impaired Driving Insurance"},"content":{"rendered":"\n<style>#ez-toc-container{display:none!important}<\/style>\n\n<script type=\"application\/ld+json\">{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"InsuranceAgency\",\n  \"name\": \"Assur360 \u2014 Assurance auto facult\u00e9s affaiblies Qu\u00e9bec\",\n  \"url\": \"https:\/\/www.assur360.ca\/assurance-conduite-avec-facultes-affaiblies\/\",\n  \"logo\": \"https:\/\/www.assur360.ca\/wp-content\/uploads\/2024\/01\/logo-assur360.png\",\n  \"telephone\": \"+1-866-357-4451\",\n  \"address\": {\n    \"@type\": \"PostalAddress\",\n    \"streetAddress\": \"795 Boulevard Frontenac E\",\n    \"addressLocality\": \"Thetford Mines\",\n    \"addressRegion\": \"QC\",\n    \"postalCode\": \"G6G 6L5\",\n    \"addressCountry\": \"CA\"\n  },\n  \"areaServed\": {\"@type\": \"AdministrativeArea\", \"name\": \"Qu\u00e9bec\"},\n  \"serviceType\": [\"Assurance auto sous-standard\", \"Assurance apr\u00e8s facult\u00e9s affaiblies\", \"Assurance avec antid\u00e9marreur\"],\n  \"priceRange\": \"$$\",\n  \"member\": [\n    {\"@type\": \"Organization\", \"name\": \"Autorit\u00e9 des march\u00e9s financiers (AMF)\"},\n    {\"@type\": \"Organization\", \"name\": \"Chambre de l'assurance de dommages (ChAD)\"}\n  ]\n}\n<\/script>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:17px;line-height:1.8;color:#334155;\">A conviction for <strong>impaired driving<\/strong> (s. 320.14 of the Criminal Code) permanently changes your insured record. In Quebec, the <strong>SAAQ<\/strong> suspends your license, you often have to install an <strong>alcohol ignition interlock device<\/strong> , and almost all standard insurers refuse your file. Good news: at <strong>Assur360<\/strong>, our <strong>AMF-certified brokers<\/strong> have been specializing in <strong>sub-standard<\/strong> cases for more than 30 years. We find you an insurer that accepts your situation, legally and with the minimum coverage required by the Automobile Insurance Act.   <\/p>\n\n<div style=\"display:flex;align-items:center;gap:40px;margin:40px 0 56px;background:linear-gradient(145deg,#f8fafc,#f0f9ff);border-radius:20px;padding:40px;border:1px solid #e2e8f0;flex-wrap:wrap;\">\n  <img decoding=\"async\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_auto,s_webp:avif\/www.assur360.ca\/wp-content\/uploads\/2026\/04\/assurance-facultes-affaiblies.jpg\" alt=\"Impaired Driving \u2014 Assur360 Insurance\" style=\"width:45%;max-width:420px;border-radius:16px;flex-shrink:0;height:auto;\" loading=\"lazy\"\/>\n  <div style=\"flex:1;min-width:280px;\">\n    <p style=\"color:#10c4c7;font-size:13px;font-weight:700;letter-spacing:2px;text-transform:uppercase;margin:0 0 12px;\">IN BRIEF<\/p>\n    <h2 class=\"wp-block-heading\" style=\"color:#0d1f2d;font-size:26px;font-weight:800;margin:0 0 16px;line-height:1.3;font-family:'Sora',sans-serif;\"><span class=\"ez-toc-section\" id=\"Car-insurance-with-conviction-for-impaired-driving\"><\/span>Car insurance with conviction for impaired driving<span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <p style=\"color:#475569;font-size:16px;line-height:1.7;margin:0 0 12px;\">A <strong>conviction for impaired driving (alcohol, drugs)<\/strong> results in a considerable increase in your car premium (often <strong>2 to 5 times<\/strong> higher) for 3-6 years.<\/p>\n    <p style=\"color:#475569;font-size:15px;line-height:1.7;margin:0;\"><strong>Solution:<\/strong> <strong>non-standard specialist markets<\/strong> (Echelon, Pafco, Cumis) accept these profiles. An independent broker compares these markets to get you the least penalizing premium. <\/p>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">IMPAIRMENT \u2014 QUEBEC 2026<\/p>\n  <h2 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\"><span class=\"ez-toc-section\" id=\"Get-back-on-the-road-legally-after-a-conviction\"><\/span>Get back on the road legally after a conviction<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#94a3b8;margin:0 0 28px;max-width:700px;margin-left:auto;margin-right:auto;\">Brokers specializing in substandard risks. Coverage with ignition interlock, negotiated surcharges, prompt acceptance. 100% confidential.  <\/p>\n  <a href=\"https:\/\/www.assur360.ca\/en\/quick-car-quote\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;margin-right:12px;\">Get my free<\/a>\n quote<a href=\"tel:+18663574451\" style=\"background:transparent;color:#ffffff;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;border:2px solid #ffffff;\">1-866-357-4451<\/a>  \n<\/div>\n\n<div style=\"display:grid;grid-template-columns:repeat(4,1fr);gap:0;margin:0 0 40px;border-radius:12px;overflow:hidden;border:1px solid #e2e8f0;\">\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">9+<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Substandard insurers<\/div>\n  <\/div>\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">24 hrs<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Acceptance time<\/div>\n  <\/div>\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">100%<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Confidential<\/div>\n  <\/div>\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">30 years<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Expertise in difficult risks<\/div>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Understanding-Section-32014-of-the-Criminal-Code\"><\/span>Understanding Section 320.14 of the Criminal Code<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:17px;line-height:1.8;color:#334155;\">Since the <strong>C-46 reform (December 2018),<\/strong> impaired driving is governed by <strong>sections 320.14 to 320.18 of the Criminal Code<\/strong>. Offences include driving with a blood alcohol level of <strong>80 mg\/100 ml<\/strong> or more, driving under the influence of drugs (THC 2 to 5 ng\/ml), refusing to comply with a test order, and dangerous driving. Former section 255 Cr. C. has been replaced by these new provisions.   <\/p>\n\n<div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin:32px 0;\">\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\u2696\ufe0f<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">1st offence (s. 320.19)<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Minimum fine <strong>$1,000<\/strong>, <strong>12-month<\/strong> federal driving ban, criminal record. Mandatory ignition interlock device in Quebec. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udd01<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">2nd offence<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Minimum imprisonment <strong>30 days<\/strong>, driving ban <strong>24 months<\/strong>, record. In Quebec, ignition interlock device for a <strong>minimum period of 3 years<\/strong>. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udeab<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">3rd offence and more<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Minimum imprisonment <strong>120 days<\/strong>, federal prohibition <strong>36 months or life<\/strong>. Revocation of QC license, lifetime ignition interlock possible. <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What-the-SAAQ-imposes-on-you-after-a-conviction\"><\/span>What the SAAQ imposes on you after a conviction<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:17px;line-height:1.8;color:#334155;\">The <strong>Soci\u00e9t\u00e9 de l&#8217;assurance automobile du Qu\u00e9bec (SAAQ)<\/strong> applies its own administrative sanctions, independent of criminal penalties. These restrictions are aimed at the gradual rehabilitation of the driver and the safety of other road users. <\/p>\n\n<div style=\"display:flex;flex-direction:column;gap:20px;margin:32px 0;\">\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">1<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Revocation of licence<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">The SAAQ revokes your licence as soon as you are convicted. You can no longer drive to the shed, even if the criminal prohibition has ended. <\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">2<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Summary or full assessment<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Depending on the blood alcohol level detected: a summary (160 mg or less) or <strong>complete<\/strong> (more than 160 mg, recidivism, drug) <strong>evaluation<\/strong> by a health professional (OPQ \/ CISSS).<\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">3<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Alcohol ignition interlock mandatory<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Installation of an <strong>ignition interlock<\/strong> device (LifeSafer, Ignition Interlock, Draeger) for a minimum of <strong>1 year (1st offense),<\/strong> <strong>3 years (2nd),<\/strong> or <strong>lifetime (3rd or more).<\/strong> Monthly cost ~$100. <\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">4<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Limited licence (former &#8220;conditional&#8221; licence)<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">The SAAQ issues a <strong>limited licence<\/strong> with an ignition interlock condition. You can only drive a vehicle equipped with the device. <\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">5<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Alcofrein Course or Education Program<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Mandatory awareness programme before final reintegration. Duration of 8 to 16 hours depending on the case, provided by approved organizations. <\/p><\/div>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d2d2d,#0a2a2a);border:2px solid #10c4c7;border-radius:12px;padding:24px;margin:32px 0;display:flex;gap:16px;align-items:flex-start;\">\n  <div style=\"font-size:28px;flex-shrink:0;\">\ud83d\udca1<\/div>\n  <div>\n    <p style=\"color:#10c4c7;font-weight:700;font-size:16px;margin:0 0 8px;\">Broker&#8217;s advice: coordinate insurance and ignition interlock<\/p>\n    <p style=\"color:#94a3b8;font-size:14px;margin:0;line-height:1.6;\">Some substandard <strong style=\"color:#ffffff;\">insurers require proof of ignition interlock<\/strong> installation before issuing the policy. Coordinate your installation appointment (LifeSafer, Ignition Interlock, or Smart Start) with your broker to activate coverage on the same day and avoid driving without insurance. <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Sub-standard-insurers-that-accept-impairment-records\"><\/span>Sub-standard insurers that accept impairment records<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:17px;line-height:1.8;color:#334155;\">After a Criminal Code conviction, most traditional insurers refuse to cover you. Our brokers have access to a network of <strong>sub-standard specialized insurers<\/strong> that accept these profiles. Here&#8217;s how the offer and typical surcharges work.  <\/p>\n\n<div style=\"overflow-x:auto;margin:32px 0;\">\n  <table style=\"width:100%;border-collapse:collapse;font-size:14px;\">\n    <thead>\n      <tr style=\"background:#0d1f2d;color:#ffffff;\">\n        <th style=\"padding:14px 16px;text-align:left;border:none;\">Location<\/th>\n<th style=\"padding:14px 16px;text-align:left;border:none;\">Estimated<\/th>\n surcharge<th style=\"padding:14px 16px;text-align:left;border:none;\">Duration restrictions<\/th>\n<th style=\"padding:14px 16px;text-align:left;border:none;\">Back to standard<\/th>                        \n      <\/tr>\n    <\/thead>\n    <tbody>\n      <tr style=\"background:#f8fafc;\">\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">1st offence, blood alcohol level < 120 mg<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">+80% to +150%<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Immobilizer 1 year<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">36 months<\/td>\n      <\/tr>\n      <tr style=\"background:#ffffff;\">\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">1st offence, blood alcohol level > 160 mg<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#ef4444;font-weight:700;\">+150% to +250%<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Immobilizer 2 years<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">48 months<\/td>\n      <\/tr>\n      <tr style=\"background:#f8fafc;\">\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Breathalyzer<\/td>\n refusal<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#ef4444;font-weight:700;\">+150% to +250%<\/td>\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Immobilizer 1 to 2 years<\/td>\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">48 months<\/td>                        \n      <\/tr>\n      <tr style=\"background:#ffffff;\">\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Drug impairment<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#ef4444;font-weight:700;\">+175% to +275%<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Immobilizer 1 to 3 years<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">48 months<\/td>\n      <\/tr>\n      <tr style=\"background:#f8fafc;\">\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">2nd offence<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#ef4444;font-weight:700;\">+200% to +300%<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Immobilizer 3 years<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">60 to 72 months<\/td>\n      <\/tr>\n      <tr style=\"background:#ffffff;\">\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">3rd offence and more<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#ef4444;font-weight:700;\">+250% to +400%<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Immobilizer 3 years to life<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">Variable<\/td>\n      <\/tr>\n    <\/tbody>\n  <\/table>\n<\/div>\n\n<p class=\"wp-block-paragraph\" style=\"color:#64748b;font-size:13px;font-style:italic;text-align:center;\">*2026 indicative ranges. Your actual premium depends on the vehicle, age, region, rest of your file and the program you choose. <a href=\"https:\/\/www.assur360.ca\/en\/substandard-car-insurance-quote\/\">Free personalized quote in 3 minutes<\/a>. <\/p>\n\n<div style=\"background:#fef2f2;border:2px solid #ef4444;border-radius:12px;padding:24px;margin:32px 0;display:flex;gap:16px;align-items:flex-start;\">\n  <div style=\"font-size:28px;flex-shrink:0;\">\u26a0\ufe0f<\/div>\n  <div>\n    <p style=\"color:#991b1b;font-weight:700;font-size:16px;margin:0 0 8px;\">Obligation to make a complete declaration \u2014 art. 2408 C.C.Q.<\/p>\n    <p style=\"color:#7f1d1d;font-size:14px;margin:0 0 8px;line-height:1.6;\">You must declare any <strong>criminal convictions<\/strong>, <strong>any licence withdrawal or revocation<\/strong>, any <strong>ongoing SAAQ evaluations<\/strong> and any <strong>ignition interlock obligations<\/strong> when you apply for insurance. Hiding this information is a serious misrepresentation. <\/p>\n    <p style=\"color:#7f1d1d;font-size:14px;margin:0;line-height:1.6;\">Consequences: <strong>nullity of the contract, refusal of compensation in the event of a claim, civil proceedings<\/strong>, and registration in the file of false declarations. In addition, driving without valid insurance is a separate offence under the Automobile Insurance Act ($500 to $1,500 fine). The honest declaration is always more advantageous.  <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Steps-to-get-your-car-insurance-after-a-conviction\"><\/span>Steps to get your car insurance after a conviction<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:flex;flex-direction:column;gap:20px;margin:32px 0;\">\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">1<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Check your SAAQ licence<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Get your <strong>SAAQ driving record<\/strong> (free on saaq.gouv.qc.ca). It confirms the date of conviction, the ignition interlock device and the current type of licence. <\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">2<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Install the ignition interlock device (if required)<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Choose a supplier approved by the SAAQ (<strong>LifeSafer, Ignition Interlock, Smart Start, Draeger<\/strong>). Installation takes 1-2 hours and costs about $200, plus monthly fees. <\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">3<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Fill out the sub-standard form<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Our <a href=\"https:\/\/www.assur360.ca\/en\/substandard-car-insurance-quote\/\" style=\"color:#10c4c7;\">sub-standard submission form<\/a> takes you 3 minutes. Report the exact offence, the date, the blood alcohol level or substance, the SAAQ conditions. <\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">4<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Comparison of specialist insurers<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">A dedicated broker submits your file to several <strong>sub-standard insurers<\/strong> (Echelon, Optimum, Facility Association, etc.). Offers received within <strong>24 to 48 hours<\/strong>. <\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">5<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Issuance and proof of insurance<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Electronic signature, payment in instalments possible, same-day issuance of the <strong>Certificate of Insurance<\/strong> for the SAAQ and registration.<\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">6<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Rehabilitation of the file (36 to 60 months)<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Punctual payments, no at-fault claims, compliance with SAAQ conditions. After 36 to 60 months, we resubmit your file to <strong>standard insurers<\/strong> to lower your premium. <\/p><\/div>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">FAST ACCEPTANCE \u2014 24 HOURS<\/p>\n  <h3 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\">Your difficult case, our specialty for 30 years.<\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Our AMF-certified brokers negotiate directly with sub-standard insurers. No judgment, 100% confidential. <\/p>\n  <a href=\"https:\/\/www.assur360.ca\/en\/substandard-car-insurance-quote\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;margin-right:12px;\">Free<\/a>\n quote<a href=\"tel:+18663574451\" style=\"background:transparent;color:#ffffff;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;border:2px solid #ffffff;\">Talk to a broker<\/a>  \n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Special-situations-covered\"><\/span>Special situations covered<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:20px;margin:32px 0;\">\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-left:4px solid #10c4c7;border-radius:0 12px 12px 0;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 10px;\">\ud83c\udf7a Drinking and Driving (80 mg+)<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Conviction: s. 320.14(1)(b) Cr. C. \u2014 blood alcohol level between 80 and 160 mg. Moderate surcharge, 1 year immobilizer.  <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-left:4px solid #10c4c7;border-radius:0 12px 12px 0;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 10px;\">\ud83c\udf3f Drugs and Driving (THC)<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">S. 320.14(1)(c) \u2014 presence of drugs above the authorized threshold. Treatment similar to alcohol depending on the concentration. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-left:4px solid #10c4c7;border-radius:0 12px 12px 0;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 10px;\">\ud83d\udeab Refusal to comply<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">S. 320.15 \u2014 refusal to provide a breath sample. Penalties equivalent to a blood alcohol level of 160 mg. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-left:4px solid #10c4c7;border-radius:0 12px 12px 0;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 10px;\">\ud83d\udca5 Causing injury or death<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Ss. 320.14(2) and (3) \u2014 maximum surcharges, Facility Association program often mandatory for 3 to 5 years.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-left:4px solid #10c4c7;border-radius:0 12px 12px 0;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 10px;\">\ud83d\udd01 Recidivism<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">2nd or 3rd conviction \u2014 few private insurers accept, but the <strong>Risk Allocation Plan<\/strong> is a guaranteed solution.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-left:4px solid #10c4c7;border-radius:0 12px 12px 0;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 10px;\">\ud83d\udcf1 Dangerous driving<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Art. 320.13 \u2014 dangerous driving, racing, aggravated texting while driving. Similar substandard treatment. <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How-to-reduce-your-premium-after-a-conviction\"><\/span>How to reduce your premium after a conviction<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin:32px 0;\">\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\u23f1\ufe0f<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Impeccable record over 36 months<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">No offences, no at-fault claims, no late payments. After 3 years, your premium can <strong>drop by 30% to 50%.<\/strong> <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udcb0<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Higher deductible<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Going from $500 to $1,000 or $2,000 deductible reduces your premium by <strong>10% to 25%.<\/strong> Choose according to your ability to pay in the event of a claim. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83c\udf93<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Take recommended courses<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\"><strong>Alcofrein<\/strong> program, defensive driving course, SAAQ evaluations respected. Some insurers offer a discount on proof of rehabilitation. <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Service-throughout-Quebec\"><\/span>Service throughout Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:17px;line-height:1.8;color:#334155;\">Our AMF-certified brokers assist Quebec drivers with an impaired driving record throughout the province: <strong>Montreal<\/strong>, <strong>Quebec City<\/strong>, <strong>Laval<\/strong>, <strong>Gatineau<\/strong>, <strong>Longueuil<\/strong>, <strong>Sherbrooke<\/strong>, <strong>Trois-Rivi\u00e8res<\/strong>, <strong>Saguenay<\/strong>, <strong>L\u00e9vis<\/strong>, <strong>Terrebonne<\/strong>, <strong>Saint-J\u00e9r\u00f4me<\/strong>, <strong>Drummondville<\/strong>, <strong>Granby<\/strong> and <strong>Thetford Mines<\/strong>. All support is done remotely (phone, email, electronic signature) and your certificate of insurance is issued the same day. <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Related-articles\"><\/span>Related articles<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:20px;margin:32px 0;\">\n  <a href=\"https:\/\/www.assur360.ca\/en\/assurance-auto-resilie\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Cancelled car insurance<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Complete solutions after a termination or refusal to renew.<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/assurance-auto-2e-chance\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">2nd chance car insurance<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">A second chance even with a difficult driving record.<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/insurance-with-a-criminal-record\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Car insurance with a criminal record<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Specialized coverage after any Criminal Code conviction.<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/dossier-criminel-habitation\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Home insurance with a criminal record<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Protect your home even if your file is deemed at risk.<\/p>\n  <\/a>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently-Asked-Questions-%E2%80%94-Impaired-Impairment-Insurance\"><\/span>Frequently Asked Questions \u2014 Impaired Impairment Insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"margin:32px 0;\">\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">How long do I have to wait to get impairment insurance?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">You can take out insurance <strong>as soon as the SAAQ authorizes you to drive<\/strong> (restricted licence with ignition interlock). Never drive without valid insurance \u2014 this is a separate offense under <strong>Quebec&#8217;s Automobile Insurance Act<\/strong>. Our brokers issue your certificate within 24 to 48 hours.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">How much does car insurance cost after conviction in Quebec in 2026?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">The sub-standard premium ranges from <strong>$2,500 to $6,000 per year<\/strong> depending on: severity (alcohol, drugs, recidivism), vehicle, age, region and time interlock. A 1st offense under 120 mg costs approximately +80% to +150% of the standard rate. <a href=\"https:\/\/www.assur360.ca\/en\/substandard-car-insurance-quote\/\">Get your price in 3 minutes<\/a>. <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Do I have to declare my conviction to my insurer?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\"><strong>Yes, you have to.<\/strong>  Any Criminal Code convictions, licence revocations or suspensions, and ignition interlock requirements must be reported. Article 2408 of the Civil Code of Qu\u00e9bec requires a complete declaration. Omitting this information = false declaration = nullity of the contract and refusal of compensation in the event of a claim. <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">How long does the immobilizer obligation last?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Minimum duration set by the SAAQ: <strong>1 year for a 1st offence<\/strong>, <strong>3 years for a 2nd<\/strong> offence, <strong>3 years for life for a 3rd or more<\/strong> offence. Aggravated offences (injuries, death, very high blood alcohol levels) can extend these durations. Consult your SAAQ file for the exact end date.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">How much does an alcohol ignition interlock device cost in Quebec?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Installation: <strong>$150 to $250<\/strong>. Monthly fee: <strong>$80 to $130<\/strong> (monthly calibration included). Uninstall: <strong>$50 to $100<\/strong>. SAAQ approved suppliers: LifeSafer, Ignition Interlock, Smart Start, Draeger Interlock XT.   <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Does my insurance cover an accident that occurred under the influence of alcohol?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\"><strong>Third-party liability generally<\/strong> remains covered (protection of other drivers). On the other hand, <strong>damage to your own vehicle<\/strong> (collision, complete perils) is often <strong>excluded<\/strong> if you were driving impaired. SAAQ benefits (injuries) are not affected. Read your contract carefully or give us a call.   <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">What happens if no insurer wants me?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">The <strong>Facility Association<\/strong> is a last-resort coverage guaranteed by the Quebec industry for any driver unable to insure himself on the private market. The premium is higher but you are legally insured. Our brokers handle the demand for you.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">How long before you go back to a standard insurer?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">In general, <strong>36 to 60 months<\/strong> after the end of all SAAQ restrictions, with an impeccable record (no claims, no late payments, no violations). Our brokers follow your profile and resubmit you to standard insurers to reduce your premium as soon as possible. <\/div>\n  <\/details>\n<\/div>\n\n<script type=\"application\/ld+json\">{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [\n    {\"@type\": \"Question\", \"name\": \"Combien de temps dois-je attendre avant d'obtenir une assurance apr\u00e8s facult\u00e9s affaiblies ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Vous pouvez souscrire une assurance d\u00e8s que la SAAQ vous autorise \u00e0 reconduire (permis restreint avec antid\u00e9marreur). Ne conduisez jamais sans assurance valide. Nos courtiers \u00e9mettent votre attestation en 24 \u00e0 48 h.\"}},\n    {\"@type\": \"Question\", \"name\": \"Combien co\u00fbte une assurance auto apr\u00e8s une condamnation au Qu\u00e9bec en 2026 ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"La prime sous-standard varie de 2 500 $ \u00e0 6 000 $ par ann\u00e9e selon la gravit\u00e9, le v\u00e9hicule, votre \u00e2ge, votre r\u00e9gion et la dur\u00e9e d'antid\u00e9marreur. Une 1re infraction \u00e0 moins de 120 mg co\u00fbte environ +80 % \u00e0 +150 % du tarif standard.\"}},\n    {\"@type\": \"Question\", \"name\": \"Dois-je d\u00e9clarer ma condamnation \u00e0 mon assureur ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui, obligatoirement. Toute condamnation au Code criminel, toute r\u00e9vocation ou suspension de permis, et toute obligation d'antid\u00e9marreur doivent \u00eatre d\u00e9clar\u00e9es. L'article 2408 du Code civil du Qu\u00e9bec impose la d\u00e9claration compl\u00e8te.\"}},\n    {\"@type\": \"Question\", \"name\": \"Combien de temps dure l'obligation d'antid\u00e9marreur ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Dur\u00e9e minimale fix\u00e9e par la SAAQ : 1 an pour une 1re infraction, 3 ans pour une 2e, 3 ans \u00e0 vie pour une 3e ou plus. Les infractions aggrav\u00e9es peuvent prolonger ces dur\u00e9es.\"}},\n    {\"@type\": \"Question\", \"name\": \"Combien co\u00fbte un antid\u00e9marreur \u00e9thylom\u00e9trique au Qu\u00e9bec ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Installation : 150 $ \u00e0 250 $. Frais mensuels : 80 $ \u00e0 130 $ (calibration mensuelle incluse). D\u00e9sinstallation : 50 $ \u00e0 100 $. Fournisseurs agr\u00e9\u00e9s SAAQ : LifeSafer, Ignition Interlock, Smart Start, Draeger Interlock XT.\"}},\n    {\"@type\": \"Question\", \"name\": \"Mon assurance couvre-t-elle un accident survenu sous l'effet de l'alcool ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"La responsabilit\u00e9 civile envers les tiers reste g\u00e9n\u00e9ralement couverte. En revanche, les dommages \u00e0 votre propre v\u00e9hicule (collision, risques complets) sont souvent exclus si vous conduisiez avec les facult\u00e9s affaiblies. Les indemnit\u00e9s SAAQ (blessures) ne sont pas touch\u00e9es.\"}},\n    {\"@type\": \"Question\", \"name\": \"Que se passe-t-il si aucun assureur ne veut de moi ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Le Plan de r\u00e9partition des risques (Facility Association) est une couverture de dernier recours garantie par l'industrie qu\u00e9b\u00e9coise pour tout conducteur incapable de s'assurer sur le march\u00e9 priv\u00e9.\"}},\n    {\"@type\": \"Question\", \"name\": \"Combien de temps avant de revenir \u00e0 un assureur standard ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"En g\u00e9n\u00e9ral, 36 \u00e0 60 mois apr\u00e8s la fin de toutes les restrictions SAAQ, avec un dossier impeccable (aucun sinistre, aucun paiement en retard, aucune infraction).\"}}\n  ]\n}\n<\/script>\n\n<div style=\"background:#f0fdfa;border:1px solid #10c4c7;border-radius:12px;padding:28px;margin:32px 0;\">\n  <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 16px;\">Why trust Assur360?<\/h3>\n  <div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:12px;\">\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>AMF<\/strong> certified firm<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>ChAD<\/strong> Member<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>100,000+<\/strong> submissions processed<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>30+ years<\/strong> in hard risks<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>Independent<\/strong> broker<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>100% confidential<\/strong> service<\/span><\/div>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">FREE QUOTE \u2014 3 MIN<\/p>\n  <h3 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\">Get back on the road legally. Without judgment, without taboos. <\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Get up to 5 quotes from substandard insurers in 24 hours. Immobilizer, negotiated surcharges. <\/p>\n  <a href=\"https:\/\/www.assur360.ca\/en\/substandard-car-insurance-quote\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;margin-right:12px;\">Get My Quote<\/a>\n  <a href=\"tel:+18663574451\" style=\"background:transparent;color:#ffffff;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;border:2px solid #ffffff;\">1-866-357-4451<\/a>\n<\/div>\n\n<script type=\"application\/ld+json\">{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"BreadcrumbList\",\n  \"itemListElement\": [\n    {\"@type\": \"ListItem\", \"position\": 1, \"name\": \"Accueil\", \"item\": \"https:\/\/www.assur360.ca\/\"},\n    {\"@type\": \"ListItem\", \"position\": 2, \"name\": \"Assurance auto\", \"item\": \"https:\/\/www.assur360.ca\/assurance-auto\/\"},\n    {\"@type\": \"ListItem\", \"position\": 3, \"name\": \"Facult\u00e9s affaiblies\", \"item\": \"https:\/\/www.assur360.ca\/assurance-conduite-avec-facultes-affaiblies\/\"}\n  ]\n}\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>A conviction for impaired driving (s. 320.14 of the Criminal Code) permanently changes your insured record. 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