{"id":15689,"date":"2023-01-12T16:11:39","date_gmt":"2023-01-12T21:11:39","guid":{"rendered":"https:\/\/www.assur360.ca\/insurance-with-a-criminal-record\/"},"modified":"2026-04-20T15:14:14","modified_gmt":"2026-04-20T19:14:14","slug":"insurance-with-a-criminal-record","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/insurance-with-a-criminal-record\/","title":{"rendered":"Insurance with a criminal record"},"content":{"rendered":"\n<style>#ez-toc-container{display:none!important}<\/style>\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"Article\",\"@id\":\"https:\/\/www.assur360.ca\/assurance-avec-dossier-criminel\/#article\",\"headline\":\"Assurance avec Dossier Criminel au Qu\u00e9bec \u2014 Solutions 2026\",\"url\":\"https:\/\/www.assur360.ca\/assurance-avec-dossier-criminel\/\",\"dateModified\":\"2026-04-17T12:00:00\",\"author\":{\"@type\":\"Person\",\"name\":\"Jean Boissonneault\",\"url\":\"https:\/\/www.assur360.ca\/blog\/author\/admin\/\",\"description\":\"Jean Boissonneault est courtier d'assurance de dommages associ\u00e9 depuis plus de 30 ans au Qu\u00e9bec et propri\u00e9taire d'Assur360.\",\"hasCredential\":{\"@type\":\"EducationalOccupationalCredential\",\"credentialCategory\":\"Permis de cabinet en assurance de dommages\",\"recognizedBy\":{\"@type\":\"Organization\",\"name\":\"Autorit\u00e9 des march\u00e9s financiers\",\"url\":\"https:\/\/lautorite.qc.ca\"}}},\"publisher\":{\"@type\":\"Organization\",\"name\":\"Assur360\",\"url\":\"https:\/\/www.assur360.ca\",\"logo\":{\"@type\":\"ImageObject\",\"url\":\"https:\/\/www.assur360.ca\/wp-content\/uploads\/2024\/01\/assur360-logo.png\",\"width\":200,\"height\":60}},\"inLanguage\":\"fr-CA\",\"isPartOf\":{\"@type\":\"WebSite\",\"url\":\"https:\/\/www.assur360.ca\",\"name\":\"Assur360\"},\"description\":\"Obtenez une assurance auto ou habitation malgr\u00e9 un dossier criminel au Qu\u00e9bec. Solutions sp\u00e9cialis\u00e9es, prix et \u00e9tapes. Soumission confidentielle gratuite.\"}\n<\/script>\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"BreadcrumbList\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\/\/www.assur360.ca\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Assurance avec dossier criminel\",\"item\":\"https:\/\/www.assur360.ca\/assurance-avec-dossier-criminel\/\"}]}\n<\/script>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d 0%,#1a3a4a 100%);padding:60px 24px;text-align:center;border-radius:0 0 16px 16px;margin-bottom:40px;\">\n  <p style=\"color:#10c4c7;font-size:14px;font-weight:700;letter-spacing:3px;text-transform:uppercase;margin:0 0 16px;\">CRIMINAL RECORD AND INSURANCE<\/p>\n  <h2 style=\"color:#ffffff;font-size:36px;font-weight:800;margin:0 0 20px;line-height:1.3;\"><span class=\"ez-toc-section\" id=\"Home-and-Auto-Insurance-with-a-Criminal-Record-in-Quebec\"><\/span>Home and Auto Insurance with a Criminal Record in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#94a3b8;font-size:17px;margin:0 auto 32px;max-width:720px;line-height:1.7;\">Obtaining <strong style=\"color:#ffffff;\">insurance despite a criminal record<\/strong> is possible in Quebec. Our specialist brokers work with non-standard insurers to find you the right coverage, in complete <strong style=\"color:#ffffff;\">confidentiality<\/strong>. <\/p>\n  <div style=\"display:flex;gap:16px;justify-content:center;flex-wrap:wrap;\">\n    <a href=\"https:\/\/www.assur360.ca\/en\/quick-car-quote\/\" style=\"display:inline-block;background:#10c4c7;color:#ffffff;padding:14px 32px;border-radius:8px;text-decoration:none;font-weight:700;font-size:16px;\">Free<\/a>\n confidential quote<a href=\"tel:+18663574451\" style=\"display:inline-block;background:transparent;color:#ffffff;padding:14px 32px;border-radius:8px;text-decoration:none;font-weight:700;font-size:16px;border:2px solid #ffffff;\">1-866-357-4451<\/a>    \n  <\/div>\n<\/div>\n\n<div style=\"display:grid;grid-template-columns:repeat(4,1fr);gap:24px;max-width:1000px;margin:0 auto 48px;padding:0 16px;\">\n  <div style=\"text-align:center;padding:20px;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;\">85%+<\/div>\n    <div style=\"color:#64748b;font-size:14px;margin-top:4px;\">Acceptance Rate<\/div>\n  <\/div>\n  <div style=\"text-align:center;padding:20px;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;\">9+<\/div>\n    <div style=\"color:#64748b;font-size:14px;margin-top:4px;\">Insurer Partners<\/div>\n  <\/div>\n  <div style=\"text-align:center;padding:20px;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;\">100%<\/div>\n    <div style=\"color:#64748b;font-size:14px;margin-top:4px;\">Guaranteed confidentiality<\/div>\n  <\/div>\n  <div style=\"text-align:center;padding:20px;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;\">3 min<\/div>\n    <div style=\"color:#64748b;font-size:14px;margin-top:4px;\">For a quote<\/div>\n  <\/div>\n<\/div>\n\n<div style=\"display:flex;gap:32px;align-items:center;max-width:1200px;margin:32px auto;padding:32px;background:#ffffff;border:1px solid #e2e8f0;border-radius:16px;box-shadow:0 4px 24px rgba(13,31,45,0.08);flex-wrap:wrap;\">\n  <div style=\"flex:1 1 280px;min-width:260px;max-width:380px;\">\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\/auto-dossier-criminel.jpg\" alt=\"Quebec Criminal Record Car Insurance - Confidential Quote\" style=\"width:100%;height:auto;border-radius:12px;display:block;\" loading=\"lazy\"\/>\n  <\/div>\n  <div style=\"flex:2 1 360px;min-width:280px;\">\n    <p style=\"color:#10c4c7;font-size:13px;font-weight:700;letter-spacing:2px;text-transform:uppercase;margin:0 0 12px;\">At a glance<\/p>\n    <h2 class=\"wp-block-heading\" style=\"color:#0d1f2d;font-size:26px;font-weight:800;margin:0 0 16px;line-height:1.3;\"><span class=\"ez-toc-section\" id=\"Can-you-get-insurance-with-a-criminal-record-in-Quebec\"><\/span>Can you get insurance with a criminal record in Quebec?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n      <p style=\"color:#334155;font-size:16px;line-height:1.7;margin:0 0 16px;\"><strong>Yes, it is possible to get car and home insurance even with a criminal record in Quebec.<\/strong>  Contrary to popular belief, having a criminal record does not automatically mean being refused by all insurers. There are specialized insurance companies in the <strong>non-standard<\/strong> market that accept clients with criminal histories. <\/p>\n      <p style=\"color:#334155;font-size:16px;line-height:1.7;margin:0 0 0;\">Standard insurers (Intact, Aviva, L&#8217;Unique) generally refuse files with a criminal history. That&#8217;s why it&#8217;s essential to go through a <strong>specialized insurance broker<\/strong> like Assur360, who knows the insurers willing to accept these profiles and can negotiate the best terms for you. <\/p>\n  <\/div>\n<\/div>\n\n<div style=\"background:#fef2f2;border:2px solid #ef4444;border-radius:12px;padding:24px 28px;margin:0 0 40px;\">\n  <h3 style=\"color:#dc2626;font-size:18px;margin:0 0 12px;\">\u26a0\ufe0f Impaired driving (alcohol or drugs)<\/h3>\n  <p style=\"color:#7f1d1d;font-size:15px;line-height:1.7;margin:0;\">Impaired driving offences are the most penalizing in car insurance. They lead to a <strong>significant additional premium<\/strong> (sometimes 200 to 400% more) and a limitation to non-standard insurers for 3 to 6 years. If you are in this situation, contact us immediately: our brokers work with insurers such as Pafco and Echelon who accept these files.  <\/p>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Scroll-vs-criminal-record-what-is-the-difference\"><\/span>Scroll vs criminal record: what is the difference?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Many people confuse the <strong>scroll<\/strong> with the <strong>criminal record<\/strong>. Understanding the difference is essential to your insurance journey. <\/p>\n\n<div style=\"display:grid;grid-template-columns:1fr 1fr;gap:24px;margin:0 0 40px;padding:0 16px;\">\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:8px;padding:28px 24px;\">\n    <h3 style=\"margin:0 0 16px;font-size:20px;color:#0d1f2d;\">The Scroll<\/h3>\n    <p style=\"color:#475569;font-size:15px;line-height:1.6;margin:0;\">The docket is a <strong>public registry<\/strong> of courts that contains the history of all court proceedings (civil and criminal). Anyone can consult the docket online via the <a href=\"https:\/\/services.justice.gouv.qc.ca\/\" target=\"_blank\" rel=\"noopener nofollow\" style=\"color:#10c4c7;\">website of the Ministry of Justice<\/a>. Insurers systematically consult him.  <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border-top:4px solid #f59e0b;border-radius:8px;padding:28px 24px;\">\n    <h3 style=\"margin:0 0 16px;font-size:20px;color:#0d1f2d;\">Criminal record<\/h3>\n    <p style=\"color:#475569;font-size:15px;line-height:1.6;margin:0;\">The criminal record is a <strong>federal registry<\/strong> maintained by the RCMP that contains only criminal convictions. It can be erased after a certain period of time via a <strong>record suspension<\/strong> (formerly sorry). The scroll, on the other hand, remains accessible even after a pardon.  <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Types-of-Violations-and-Impact-on-Your-Insurance\"><\/span>Types of Violations and Impact on Your Insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Not all violations have the same impact on your ability to obtain insurance. Here is an overview of the main categories and their consequences. <\/p>\n\n<div style=\"overflow-x:auto;margin:0 0 40px;\">\n<table style=\"width:100%;border-collapse:collapse;font-size:15px;\">\n<thead>\n<tr style=\"background:#0d1f2d;color:#ffffff;\">\n<th style=\"padding:14px 16px;text-align:left;font-weight:700;\">Type of Offence<\/th>\n<th style=\"padding:14px 16px;text-align:left;font-weight:700;\">Impact on car<\/th>\n insurance<th style=\"padding:14px 16px;text-align:left;font-weight:700;\">Impact on home<\/th>\n insurance<th style=\"padding:14px 16px;text-align:center;font-weight:700;\">Difficulty<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr style=\"background:#f8fafc;\">\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;\"><strong>Impaired<\/strong><\/td>\n driving<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;\">200-400% surcharge, non-standard insurers only<\/td>\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;\">Moderate<\/td>\n impact<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;text-align:center;\">\ud83d\udd34 High<\/td>\n<\/tr>\n<tr style=\"background:#ffffff;\">\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;\"><strong>Dangerous<\/strong><\/td>\n driving<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;\">Large additional premium, possible<\/td>\n restrictions<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;\">Low<\/td>\n impact<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;text-align:center;\">\ud83d\udfe0 Medium<\/td>\n<\/tr>\n<tr style=\"background:#f8fafc;\">\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;\"><strong>Hit and run<\/strong><\/td>\nSignificant \n <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;\">additional premium, frequent refusals<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;\">Low<\/td>\n impact<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;text-align:center;\">\ud83d\udfe0 Medium<\/td>\n<\/tr>\n<tr style=\"background:#ffffff;\">\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;\"><strong>Fraud\/misrepresentation<\/strong><\/td>\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;\">Almost systematic refusal, residual<\/td>\n market<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;\">Almost systematic<\/td>\n refusal<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;text-align:center;\">\ud83d\udd34 High<\/td>\n<\/tr>\n<tr style=\"background:#f8fafc;\">\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;\"><strong>Arson \/ vandalism<\/strong><\/td>\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;\">Moderate<\/td>\n impact<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;\">Very frequent<\/td>\n refusal<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;text-align:center;\">\ud83d\udd34 High<\/td>\n<\/tr>\n<tr style=\"background:#ffffff;\">\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;\"><strong>Theft \/ Receiving Stolen Property \/ Breaking and Entering<\/strong><\/td>\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;\">Moderate<\/td>\n impact<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;\">Significant<\/td>\n additional premium<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;text-align:center;\">\ud83d\udfe0 Medium<\/td>\n<\/tr>\n<tr style=\"background:#f8fafc;\">\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;\"><strong>Assault\/Uttering Threats<\/strong><\/td>\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;\">Low to moderate<\/td>\n impact<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;\">Low to moderate<\/td>\n impact<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;text-align:center;\">\ud83d\udfe1 Low<\/td>\n<\/tr>\n<tr style=\"background:#ffffff;\">\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;\"><strong>Other offences (drugs, mischief)<\/strong><\/td>\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;\">Impact varies according to nature<\/td>\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;\">Variable<\/td>\n impact<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;text-align:center;\">\ud83d\udfe1 Low to medium<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Insurers-specializing-in-criminal-cases\"><\/span>Insurers specializing in criminal cases<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Many insurers in Quebec accept customers with a criminal record. These companies specialize in the <strong>non-standard market<\/strong> and evaluate each case individually. <\/p>\n\n<div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin:0 0 48px;padding:0 16px;\">\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:8px;padding:28px 24px;\">\n    <h3 style=\"margin:0 0 12px;font-size:20px;color:#0d1f2d;\">Pafco<\/h3>\n    <p style=\"color:#475569;font-size:15px;line-height:1.6;margin:0;\">Number one non-standard auto specialist in Quebec. Accepts records involving impairment, excessive demerit points, hit-and-run, and criminal record. <a href=\"https:\/\/www.assur360.ca\/en\/blog\/home-insurance-in-quebec-2\/pafco-insurance-home-auto\/\" style=\"color:#10c4c7;\">Learn more about Pafco<\/a>. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:8px;padding:28px 24px;\">\n    <h3 style=\"margin:0 0 12px;font-size:20px;color:#0d1f2d;\">Echelon<\/h3>\n    <p style=\"color:#475569;font-size:15px;line-height:1.6;margin:0;\">Non-standard insurer with a good risk appetite for drivers with a criminal history. Competitive pricing for less severe cases. Auto and home options.  <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:8px;padding:28px 24px;\">\n    <h3 style=\"margin:0 0 12px;font-size:20px;color:#0d1f2d;\">Lloyd&#8217;s (via MGA)<\/h3>\n    <p style=\"color:#475569;font-size:15px;line-height:1.6;margin:0;\">Tailor-made solutions for the most complex cases via underwriting agents (MGA). Accepts profiles that others decline. Customized policies based on the level of risk.  <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How-much-does-insurance-with-a-criminal-record-cost\"><\/span>How much does insurance with a criminal record cost?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">The cost of insurance with a criminal record depends on several factors: the type of offence, the number of offences, the length of time since the last offence and your overall profile. Here are some indicative price ranges for car insurance. <\/p>\n\n<div style=\"overflow-x:auto;margin:0 0 40px;\">\n<table style=\"width:100%;border-collapse:collapse;font-size:15px;\">\n<thead>\n<tr style=\"background:#0d1f2d;color:#ffffff;\">\n<th style=\"padding:14px 16px;text-align:left;font-weight:700;\">Location<\/th>\n<th style=\"padding:14px 16px;text-align:center;font-weight:700;\">Estimated<\/th>\n car premium<th style=\"padding:14px 16px;text-align:center;font-weight:700;\">Premium vs. Standard<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr style=\"background:#f8fafc;\">\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;\">Criminal record (minor offences, 5+ years)<\/td>\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;text-align:center;\">$1,200 \u2014 $2,000 \/ year<\/td>\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;text-align:center;\">+25 to 50%<\/td>\n<\/tr>\n<tr style=\"background:#ffffff;\">\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;\">Impaired Driving (Recent)<\/td>\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;text-align:center;\">$2,500 \u2014 $5,000 \/ year<\/td>\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;text-align:center;\">+200 to 400%<\/td>\n<\/tr>\n<tr style=\"background:#f8fafc;\">\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;\">Hit-and-run \/ dangerous<\/td>\n driving<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;text-align:center;\">$2,000 \u2014 $3,500 \/ year<\/td>\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;text-align:center;\">+100 to 250%<\/td>\n<\/tr>\n<tr style=\"background:#ffffff;\">\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;\">Multiple offences \/ heavy<\/td>\n record<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;text-align:center;\">$3,500 \u2014 $7,000 \/ year<\/td>\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;text-align:center;\">+300 to 500%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d 0%,#1a3a4a 100%);border:2px solid #10c4c7;border-radius:12px;padding:32px;margin:0 0 40px;\">\n  <h3 style=\"color:#10c4c7;font-size:18px;margin:0 0 16px;\">\ud83d\udca1 Advice from our expert brokers<\/h3>\n  <p style=\"color:#e2e8f0;font-size:16px;line-height:1.7;margin:0;\">The good news: premiums go down over time. Each year without violations or claims improves your record. After <strong style=\"color:#ffffff;\">3 years without incident<\/strong>, some standard insurers start to accept your file. After <strong style=\"color:#ffffff;\">6 years<\/strong>, your premiums are closer to the regular market. Don&#8217;t lose hope \u2014 patience is your best ally.    <\/p>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Situations-our-brokers-can-address\"><\/span>Situations our brokers can address<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Our Assur360 specialized brokers have the experience to find insurance solutions in the most complex situations. Here are the most common cases we deal with. <\/p>\n\n<div style=\"display:grid;grid-template-columns:1fr 1fr;gap:16px;margin:0 0 40px;padding:0 16px;\">\n  <div style=\"padding:16px 20px;background:#f0fdf4;border-left:4px solid #10c4c7;border-radius:0 8px 8px 0;\">\n    <p style=\"margin:0;font-size:15px;color:#475569;\">\u2705 <strong>Criminal record or scroll<\/strong><\/p>\n  <\/div>\n  <div style=\"padding:16px 20px;background:#f0fdf4;border-left:4px solid #10c4c7;border-radius:0 8px 8px 0;\">\n    <p style=\"margin:0;font-size:15px;color:#475569;\">\u2705 <strong>Impaired driving<\/strong><\/p>\n  <\/div>\n  <div style=\"padding:16px 20px;background:#f0fdf4;border-left:4px solid #10c4c7;border-radius:0 8px 8px 0;\">\n    <p style=\"margin:0;font-size:15px;color:#475569;\">\u2705 <strong>Criminal hit-and-run<\/strong><\/p>\n  <\/div>\n  <div style=\"padding:16px 20px;background:#f0fdf4;border-left:4px solid #10c4c7;border-radius:0 8px 8px 0;\">\n    <p style=\"margin:0;font-size:15px;color:#475569;\">\u2705 <strong>Dangerous driving<\/strong><\/p>\n  <\/div>\n  <div style=\"padding:16px 20px;background:#f0fdf4;border-left:4px solid #10c4c7;border-radius:0 8px 8px 0;\">\n    <p style=\"margin:0;font-size:15px;color:#475569;\">\u2705 <strong>False declaration of insurance<\/strong><\/p>\n  <\/div>\n  <div style=\"padding:16px 20px;background:#f0fdf4;border-left:4px solid #10c4c7;border-radius:0 8px 8px 0;\">\n    <p style=\"margin:0;font-size:15px;color:#475569;\">\u2705 <strong>Licence suspension for alcohol in the blood<\/strong><\/p>\n  <\/div>\n  <div style=\"padding:16px 20px;background:#f0fdf4;border-left:4px solid #10c4c7;border-radius:0 8px 8px 0;\">\n    <p style=\"margin:0;font-size:15px;color:#475569;\">\u2705 <strong>Too many demerit points<\/strong><\/p>\n  <\/div>\n  <div style=\"padding:16px 20px;background:#f0fdf4;border-left:4px solid #10c4c7;border-radius:0 8px 8px 0;\">\n    <p style=\"margin:0;font-size:15px;color:#475569;\">\u2705 <strong>Non-renewal by an insurer<\/strong><\/p>\n  <\/div>\n  <div style=\"padding:16px 20px;background:#f0fdf4;border-left:4px solid #10c4c7;border-radius:0 8px 8px 0;\">\n    <p style=\"margin:0;font-size:15px;color:#475569;\">\u2705 <strong>High frequency of complaints<\/strong><\/p>\n  <\/div>\n  <div style=\"padding:16px 20px;background:#f0fdf4;border-left:4px solid #10c4c7;border-radius:0 8px 8px 0;\">\n    <p style=\"margin:0;font-size:15px;color:#475569;\">\u2705 <strong>Foreign Driver&#8217;s License<\/strong><\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Home-insurance-with-a-criminal-record\"><\/span>Home insurance with a criminal record<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Home insurance with a criminal record presents similar challenges to car insurance, but with important nuances. Insurers mainly assess whether <strong>the offence is related to property<\/strong> (arson, theft, break and enter, vandalism). <\/p>\n\n<p class=\"wp-block-paragraph\">If your offence is not related to property (e.g., impaired driving, assault), the impact on your home insurance will generally be <strong>less severe<\/strong> than on your car insurance. Some standard insurers may even accept your file. <\/p>\n\n<p class=\"wp-block-paragraph\">On the other hand, if your record includes offences related to arson or insurance fraud, getting home insurance will be much more difficult. In these cases, only specialist insurers via Lloyd&#8217;s or the residual market will be able to help you. <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Steps-to-get-your-insurance\"><\/span>Steps to get your insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"max-width:800px;margin:0 auto 40px;padding:0 16px;\">\n  <div style=\"display:flex;align-items:flex-start;gap:16px;margin-bottom:24px;\">\n    <div style=\"width:36px;height:36px;min-width:36px;background:#10c4c7;color:#ffffff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:18px;\">1<\/div>\n    <div>\n      <h4 style=\"margin:0 0 6px;color:#0d1f2d;font-size:17px;\">Fill out the online form<\/h4>\n      <p style=\"color:#475569;font-size:15px;line-height:1.6;margin:0;\">Complete our 3-minute submission form. All information is treated <strong>100% confidentially<\/strong>. <\/p>\n    <\/div>\n  <\/div>\n  <div style=\"display:flex;align-items:flex-start;gap:16px;margin-bottom:24px;\">\n    <div style=\"width:36px;height:36px;min-width:36px;background:#10c4c7;color:#ffffff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:18px;\">2<\/div>\n    <div>\n      <h4 style=\"margin:0 0 6px;color:#0d1f2d;font-size:17px;\">A specialized broker contacts you<\/h4>\n      <p style=\"color:#475569;font-size:15px;line-height:1.6;margin:0;\">An experienced broker in non-standard records calls you to understand your situation and gather the necessary details.<\/p>\n    <\/div>\n  <\/div>\n  <div style=\"display:flex;align-items:flex-start;gap:16px;margin-bottom:24px;\">\n    <div style=\"width:36px;height:36px;min-width:36px;background:#10c4c7;color:#ffffff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:18px;\">3<\/div>\n    <div>\n      <h4 style=\"margin:0 0 6px;color:#0d1f2d;font-size:17px;\">We compare insurers for you<\/h4>\n      <p style=\"color:#475569;font-size:15px;line-height:1.6;margin:0;\">Your broker submits your file to several specialized insurers (Pafco, Echelon, Lloyd&#8217;s) to obtain the best conditions.<\/p>\n    <\/div>\n  <\/div>\n  <div style=\"display:flex;align-items:flex-start;gap:16px;\">\n    <div style=\"width:36px;height:36px;min-width:36px;background:#10c4c7;color:#ffffff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:18px;\">4<\/div>\n    <div>\n      <h4 style=\"margin:0 0 6px;color:#0d1f2d;font-size:17px;\">You choose and are covered<\/h4>\n      <p style=\"color:#475569;font-size:15px;line-height:1.6;margin:0;\">We present the available options with prices. You choose the one that&#8217;s right for you, and your coverage starts immediately. <\/p>\n    <\/div>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Rehabilitation-times-and-impact-on-premiums\"><\/span>Rehabilitation times and impact on premiums<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">The good news is that the impact of a criminal record on your premiums <strong>decreases over time<\/strong>. Insurers mainly evaluate the last 3 to 6 years. Here are the typical insurance rehabilitation times.  <\/p>\n\n<div style=\"overflow-x:auto;margin:0 0 40px;\">\n<table style=\"width:100%;border-collapse:collapse;font-size:15px;\">\n<thead>\n<tr style=\"background:#0d1f2d;color:#ffffff;\">\n<th style=\"padding:14px 16px;text-align:left;font-weight:700;\">Incident-free<\/th>\n period<th style=\"padding:14px 16px;text-align:left;font-weight:700;\">Effect on your record<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr style=\"background:#f8fafc;\">\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;\"><strong>0 \u2014 3 years<\/strong><\/td>\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;\">Non-standard insurers only. Highest additional premiums. Patience required.  <\/td>\n<\/tr>\n<tr style=\"background:#ffffff;\">\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;\"><strong>3 \u2014 5 years<\/strong><\/td>\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;\">Beginning of improvement. Some standard insurers are starting to consider your file. Premiums falling.  <\/td>\n<\/tr>\n<tr style=\"background:#f8fafc;\">\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;\"><strong>5 \u2014 6 years<\/strong><\/td>\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;\">Significant improvement. More standard insurers accept your file. Premiums are getting closer to the regular market.  <\/td>\n<\/tr>\n<tr style=\"background:#ffffff;\">\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;\"><strong>6+ years<\/strong><\/td>\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;\">Almost normalized profile. Access to standard insurers with competitive premiums. Record suspensions possible.  <\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The-importance-of-being-honest-with-your-insurer\"><\/span>The importance of being honest with your insurer<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">It is <strong>absolutely essential<\/strong> to report your criminal record to your insurer. Leaving out this information is a <strong>misrepresentation<\/strong> that can result in the cancellation of your policy and the denial of any claims. <\/p>\n\n<p class=\"wp-block-paragraph\">If you are involved in an accident and your insurer discovers an undeclared criminal record, they can legally refuse to pay your claim and retroactively cancel your policy. You would then be <strong>personally liable for<\/strong> all damages, which could cost you tens of thousands of dollars. <\/p>\n\n<p class=\"wp-block-paragraph\">An Assur360 broker will help you present your file in the best possible way while respecting your reporting obligation. This is the safest and most advantageous strategy in the long term. <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Insurance-with-criminal-record-by-region-in-Quebec\"><\/span>Insurance with criminal record by region in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Our specialized brokers serve clients with a criminal record throughout Quebec. Whether you are in <strong>Montreal<\/strong>, <strong>Quebec City<\/strong>, <strong>Laval<\/strong>, <strong>Longueuil<\/strong>, <strong>Gatineau<\/strong>, <strong>Sherbrooke<\/strong>, <strong>Trois-Rivi\u00e8res<\/strong> or <strong>Saguenay<\/strong>, we can help you find insurance that is right for you. <\/p>\n\n<p class=\"wp-block-paragraph\">Premiums vary slightly depending on your region. <strong>Drivers in Montreal<\/strong> usually pay the highest premiums due to the density of traffic. In the regions, rates can be 10 to 20% lower. No matter where you live in Quebec, our brokers have access to the same specialized insurers and can get you the best possible conditions.   <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Useful-links\"><\/span>Useful links<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:1fr 1fr;gap:16px;margin:0 0 48px;padding:0 16px;\">\n  <a href=\"https:\/\/www.assur360.ca\/en\/blog\/home-insurance-in-quebec-2\/pafco-insurance-home-auto\/\" style=\"display:block;background:#f8fafc;border:1px solid #e2e8f0;border-radius:8px;padding:20px 24px;text-decoration:none;color:#0d1f2d;font-weight:600;font-size:16px;\">Pafco \u2014 Non-Standard Car Insurance \u2192<\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/blog\/comparator-price-in-3-minutes\/car-insurance-company\/\" style=\"display:block;background:#f8fafc;border:1px solid #e2e8f0;border-radius:8px;padding:20px 24px;text-decoration:none;color:#0d1f2d;font-weight:600;font-size:16px;\">Comparison of car insurers in Quebec\u2192<\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/blog\/comparator-price-in-3-minutes\/electric-vehicle-insurance\/\" style=\"display:block;background:#f8fafc;border:1px solid #e2e8f0;border-radius:8px;padding:20px 24px;text-decoration:none;color:#0d1f2d;font-weight:600;font-size:16px;\">Electric vehicle insurance \u2192<\/a>\n  <a href=\"\/intact\/\" style=\"display:block;background:#f8fafc;border:1px solid #e2e8f0;border-radius:8px;padding:20px 24px;text-decoration:none;color:#0d1f2d;font-weight:600;font-size:16px;\">Intact \u2014 \u2192 Home  Auto Insurance<\/a>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently-asked-questions-%E2%80%94-Criminal-record-and-insurance\"><\/span>Frequently asked questions \u2014 Criminal record and insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"max-width:800px;margin:0 auto 40px;\">\n  <details id=\"peut-on-obtenir-assurance-avec-casier-judiciaire\" style=\"border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px;\">\n    <summary style=\"padding:16px 20px;background:#f8fafc;cursor:pointer;font-weight:600;font-size:16px;color:#0d1f2d;\">Can you get car insurance with a criminal record in Quebec?<\/summary>\n    <div style=\"padding:16px 20px;font-size:15px;line-height:1.7;color:#475569;\">Yes, it is possible to get car insurance even with a criminal record. Non-standard specialty insurers such as Pafco, Echelon and Lloyd&#8217;s accept these cases. Premiums will be higher, but an Assur360 broker can compare options to find you the best price.  <\/div>\n  <\/details>\n  <details id=\"difference-plumitif-casier-judiciaire\" style=\"border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px;\">\n    <summary style=\"padding:16px 20px;background:#f8fafc;cursor:pointer;font-weight:600;font-size:16px;color:#0d1f2d;\">What is the difference between a scroll and a criminal record?<\/summary>\n    <div style=\"padding:16px 20px;font-size:15px;line-height:1.7;color:#475569;\">The scroll is a public registry of the courts of Quebec that contains the history of all legal proceedings. The criminal record is a federal RCMP registry containing only criminal convictions. The scroll remains accessible even after a record suspension (pardon). Insurers consult both.   <\/div>\n  <\/details>\n  <details id=\"combien-coute-assurance-dossier-criminel\" style=\"border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px;\">\n    <summary style=\"padding:16px 20px;background:#f8fafc;cursor:pointer;font-weight:600;font-size:16px;color:#0d1f2d;\">How much does car insurance with a criminal record cost?<\/summary>\n    <div style=\"padding:16px 20px;font-size:15px;line-height:1.7;color:#475569;\">The cost depends on the type of offence and the length of service. For a record with minor violations that are more than 5 years old, expect a premium of $1,200 to $2,000\/year. For recent impaired driving, premiums can reach $2,500 to $5,000\/year. The premiums decrease every year without incident.   <\/div>\n  <\/details>\n  <details id=\"dois-je-declarer-dossier-criminel-assureur\" style=\"border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px;\">\n    <summary style=\"padding:16px 20px;background:#f8fafc;cursor:pointer;font-weight:600;font-size:16px;color:#0d1f2d;\">Do I have to declare my criminal record to my insurer?<\/summary>\n    <div style=\"padding:16px 20px;font-size:15px;line-height:1.7;color:#475569;\">Yes, absolutely. Failure to declare your criminal record is a false statement that can result in the cancellation of your policy and the denial of any claims. If your insurer discovers an undeclared record after a claim, they may refuse to pay and you will remain personally liable for the damages.  <\/div>\n  <\/details>\n  <details id=\"assurance-habitation-dossier-criminel\" style=\"border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px;\">\n    <summary style=\"padding:16px 20px;background:#f8fafc;cursor:pointer;font-weight:600;font-size:16px;color:#0d1f2d;\">Can you insure your house with a criminal record?<\/summary>\n    <div style=\"padding:16px 20px;font-size:15px;line-height:1.7;color:#475569;\">Yes, it is possible in most cases. The impact depends on the type of offence. Non-property offences (driving, assault) have a moderate impact. Property-related offences (arson, theft) make it much more difficult to obtain. A specialized broker can guide you.    <\/div>\n  <\/details>\n  <details id=\"apres-combien-temps-prime-baisse\" style=\"border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px;\">\n    <summary style=\"padding:16px 20px;background:#f8fafc;cursor:pointer;font-weight:600;font-size:16px;color:#0d1f2d;\">How long will it take for my premium to drop?<\/summary>\n    <div style=\"padding:16px 20px;font-size:15px;line-height:1.7;color:#475569;\">Premiums start to go down after 3 years without incident. After 5-6 years, some standard insurers accept your file and your premiums are closer to the regular market. The key is to maintain a clean record and compare your options with a broker each year.  <\/div>\n  <\/details>\n  <details id=\"conduite-facultes-affaiblies-assurance\" style=\"border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px;\">\n    <summary style=\"padding:16px 20px;background:#f8fafc;cursor:pointer;font-weight:600;font-size:16px;color:#0d1f2d;\">How to insure yourself after impaired driving?<\/summary>\n    <div style=\"padding:16px 20px;font-size:15px;line-height:1.7;color:#475569;\">Offences for impairment are the most penalizing. Only non-standard insurers (Pafco, Echelon) accept these applications, with additional premiums of 200 to 400%. An Assur360 broker will submit your file to several specialized insurers to get the best price. Premiums decrease significantly after 3 years.   <\/div>\n  <\/details>\n  <details id=\"bureau-assurance-canada-aide\" style=\"border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px;\">\n    <summary style=\"padding:16px 20px;background:#f8fafc;cursor:pointer;font-weight:600;font-size:16px;color:#0d1f2d;\">Can the Insurance Bureau of Canada help me?<\/summary>\n    <div style=\"padding:16px 20px;font-size:15px;line-height:1.7;color:#475569;\">The Insurance Bureau of Canada (IBC) offers a last-resort insurance program for drivers who cannot find private insurance. However, the premiums are usually high. Before using this program, consult an Assur360 broker who can often find better options with specialized insurers.  <\/div>\n  <\/details>\n  <details id=\"suspension-casier-pardon-aide-assurance\" style=\"border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px;\">\n    <summary style=\"padding:16px 20px;background:#f8fafc;cursor:pointer;font-weight:600;font-size:16px;color:#0d1f2d;\">Does a record suspension (pardon) help with insurance?<\/summary>\n    <div style=\"padding:16px 20px;font-size:15px;line-height:1.7;color:#475569;\">A record suspension erases your record from the RCMP&#8217;s federal registry, which can help with some insurers. However, the scroll (provincial register) remains publicly accessible. Even with a pardon, some insurers will continue to consider your background. Let your broker know.   <\/div>\n  <\/details>\n  <details id=\"arrete-sans-assurance-quebec\" style=\"border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px;\">\n    <summary style=\"padding:16px 20px;background:#f8fafc;cursor:pointer;font-weight:600;font-size:16px;color:#0d1f2d;\">What happens if I drive without insurance in Quebec?<\/summary>\n    <div style=\"padding:16px 20px;font-size:15px;line-height:1.7;color:#475569;\">Driving without insurance in Quebec is a serious offence punishable by a fine of $325 to $2,325, seizure of the vehicle and suspension of the licence. In the event of an accident, you would be personally liable for all damage caused. Even with a criminal record, there are insurance solutions \u2014 never take the risk of driving without coverage.  <\/div>\n  <\/details>\n<\/div>\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Peut-on obtenir une assurance auto avec un casier judiciaire au Quebec ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui, il est possible d'obtenir une assurance auto meme avec un casier judiciaire. Les assureurs specialises non standard comme Pafco, Echelon et Lloyd's acceptent ces dossiers.\"}},{\"@type\":\"Question\",\"name\":\"Quelle est la difference entre un plumitif et un casier judiciaire ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Le plumitif est un registre public des tribunaux du Quebec. Le casier judiciaire est un registre federal de la GRC contenant uniquement les condamnations criminelles.\"}},{\"@type\":\"Question\",\"name\":\"Combien coute une assurance auto avec un dossier criminel ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Pour un casier avec infractions mineures datant de plus de 5 ans, attendez-vous a 1 200$ a 2 000$\/an. Pour une conduite avec facultes affaiblies recente, 2 500$ a 5 000$\/an.\"}},{\"@type\":\"Question\",\"name\":\"Dois-je declarer mon dossier criminel a mon assureur ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui, absolument. Ne pas declarer constitue une fausse declaration qui peut entrainer l'annulation de votre police et le refus de toute reclamation.\"}},{\"@type\":\"Question\",\"name\":\"Peut-on assurer sa maison avec un dossier criminel ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui, c'est possible dans la plupart des cas. L'impact depend du type d'infraction et de son lien avec la propriete.\"}},{\"@type\":\"Question\",\"name\":\"Apres combien de temps ma prime va-t-elle baisser ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Les primes commencent a baisser apres 3 ans sans incident. Apres 5-6 ans, certains assureurs standard acceptent votre dossier.\"}},{\"@type\":\"Question\",\"name\":\"Comment s'assurer apres une conduite avec facultes affaiblies ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Seuls les assureurs non standard (Pafco, Echelon) acceptent ces dossiers, avec des surprimes de 200 a 400%. Les primes diminuent apres 3 ans.\"}},{\"@type\":\"Question\",\"name\":\"Le Bureau d'assurance du Canada peut-il m'aider ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Le BAC offre un programme de dernier recours, mais les primes y sont elevees. Un courtier peut souvent trouver de meilleures options.\"}},{\"@type\":\"Question\",\"name\":\"Une suspension du casier aide-t-elle pour l'assurance ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Elle efface le casier federal mais le plumitif provincial reste accessible. Certains assureurs en tiendront quand meme compte.\"}},{\"@type\":\"Question\",\"name\":\"Que se passe-t-il si je conduis sans assurance au Quebec ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Amende de 325$ a 2 325$, saisie du vehicule et suspension du permis. En cas d'accident, responsabilite personnelle totale.\"}}]}\n<\/script>\n\n<div style=\"background:#f0fdfa;border-radius:12px;padding:32px;margin:0 0 40px;\">\n  <h3 style=\"color:#0d1f2d;font-size:20px;margin:0 0 20px;\">Why trust Assur360?<\/h3>\n  <div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:20px;\">\n    <div style=\"display:flex;align-items:flex-start;gap:10px;\">\n      <span style=\"color:#10c4c7;font-size:20px;\">\n\u2713<span style=\"color:#475569;font-size:15px;\"><strong>AMF certified<\/strong> \u2014 All our brokers are licensed by the Autorit\u00e9 des march\u00e9s financiers du Qu\u00e9bec<\/span>      <\/span>\n    <\/div>\n    <div style=\"display:flex;align-items:flex-start;gap:10px;\">\n      <span style=\"color:#10c4c7;font-size:20px;\">\n\u2713<span style=\"color:#475569;font-size:15px;\"><strong>ChAD members<\/strong> \u2014 Chambre de l&#8217;assurance de dommages (P Insurance Chamber), a guarantee of professionalism and ethics<\/span>      <\/span>\n    <\/div>\n    <div style=\"display:flex;align-items:flex-start;gap:10px;\">\n      <span style=\"color:#10c4c7;font-size:20px;\">\n\u2713<span style=\"color:#475569;font-size:15px;\"><strong>100,000+ quotes<\/strong> \u2014 More than 30 years of experience in insurance brokerage in Quebec<\/span>      <\/span>\n    <\/div>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d 0%,#1a3a4a 100%);padding:48px 24px;text-align:center;max-width:1200px;margin:0 auto;border-radius:16px;\">\n  <p style=\"color:#10c4c7;font-size:14px;font-weight:700;letter-spacing:3px;text-transform:uppercase;margin:0 0 12px;\">CONFIDENTIAL AND NON-JUDGMENTAL<\/p>\n  <h2 style=\"color:#ffffff;font-size:28px;font-weight:800;margin:0 0 16px;\"><span class=\"ez-toc-section\" id=\"Get-your-insurance-despite-your-record\"><\/span>Get your insurance despite your record<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#94a3b8;font-size:16px;margin:0 0 28px;\">Our specialized brokers treat your file in complete confidentiality. Free quote, no obligation. <\/p>\n  <div style=\"display:flex;gap:16px;justify-content:center;flex-wrap:wrap;\">\n    <a href=\"https:\/\/www.assur360.ca\/en\/quick-car-quote\/\" style=\"display:inline-block;background:#10c4c7;color:#ffffff;padding:14px 32px;border-radius:8px;text-decoration:none;font-weight:700;font-size:16px;\">Free<\/a>\n confidential quote<a href=\"tel:+18663574451\" style=\"display:inline-block;background:transparent;color:#ffffff;padding:14px 32px;border-radius:8px;text-decoration:none;font-weight:700;font-size:16px;border:2px solid #ffffff;\">1-866-357-4451<\/a>    \n  <\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>CRIMINAL RECORD AND INSURANCE Home and Auto Insurance with a Criminal Record in Quebec Obtaining insurance despite a criminal record is possible [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":45777,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_titles_title":"Insurance with Criminal Record in Quebec \u2014 Solutions 2026 | Assur360","_seopress_titles_desc":"Get car or home insurance despite having a criminal record in Quebec. 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