{"id":15733,"date":"2019-08-01T13:56:16","date_gmt":"2019-08-01T17:56:16","guid":{"rendered":"https:\/\/www.assur360.ca\/commercial-vehicle-insurance\/"},"modified":"2026-04-28T23:18:42","modified_gmt":"2026-04-29T03:18:42","slug":"commercial-vehicle-insurance","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/commercial-vehicle-insurance\/","title":{"rendered":"Commercial Vehicle Insurance"},"content":{"rendered":"\n<style>#ez-toc-container{display:none!important}<\/style>\n<div style=\"background:linear-gradient(135deg,#0d1f2d 0%,#1a3a4a 100%);padding:60px 30px;border-radius:12px;margin-bottom:40px;text-align:center;\">\n  <p style=\"color:#10c4c7;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin-bottom:10px;font-weight:600;\">Free comparator 2026<\/p>\n  <h2 style=\"color:#ffffff;font-size:36px;line-height:1.2;margin:0 0 20px 0;font-weight:700;\"><span class=\"ez-toc-section\" id=\"Commercial-Vehicle-Insurance-in-Quebec\"><\/span>Commercial Vehicle Insurance in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#b0c4d8;font-size:18px;max-width:700px;margin:0 auto 12px auto;line-height:1.6;\">Protect your commercial truck or fleet. Compare <strong style=\"color:#ffffff;\">9 AMF-certified insurers<\/strong> in minutes to get the <strong style=\"color:#10c4c7;\">best coverage at the best price<\/strong>. <\/p>\n  <p style=\"color:#64748b;font-size:14px;margin:0 0 28px 0;\">Mandatory coverages + options adapted to your use<\/p>\n  <div style=\"display:flex;gap:15px;justify-content:center;flex-wrap:wrap;\">\n    <a href=\"https:\/\/www.assur360.ca\/en\/quick-car-quote\/\" style=\"display:inline-block;background:#10c4c7;color:#0d1f2d;padding:16px 40px;border-radius:30px;text-decoration:none;font-weight:700;font-size:17px;\">Compare prices now<\/a>\n    <a href=\"tel:18663574451\" style=\"display:inline-block;background:transparent;color:#ffffff;padding:16px 32px;border-radius:30px;text-decoration:none;font-weight:600;font-size:16px;border:2px solid rgba(255,255,255,0.3);\">1-866-357-4451<\/a>\n  <\/div>\n<\/div>\n\n<div style=\"display:grid;grid-template-columns:repeat(4,1fr);gap:20px;margin:0 0 40px 0;text-align:center;\">\n  <div style=\"padding:20px;background:#f8fafc;border-radius:8px;\">\n    <div style=\"color:#10c4c7;font-size:28px;font-weight:800;line-height:1;\">9<\/div>\n    <div style=\"color:#64748b;font-size:13px;margin-top:6px;\">Insurer Partners<\/div>\n  <\/div>\n  <div style=\"padding:20px;background:#f8fafc;border-radius:8px;\">\n    <div style=\"color:#10c4c7;font-size:28px;font-weight:800;line-height:1;\">100K+<\/div>\n    <div style=\"color:#64748b;font-size:13px;margin-top:6px;\">Clients protected<\/div>\n  <\/div>\n  <div style=\"padding:20px;background:#f8fafc;border-radius:8px;\">\n    <div style=\"color:#10c4c7;font-size:28px;font-weight:800;line-height:1;\">3 min<\/div>\n    <div style=\"color:#64748b;font-size:13px;margin-top:6px;\">To compare<\/div>\n  <\/div>\n  <div style=\"padding:20px;background:#f8fafc;border-radius:8px;\">\n    <div style=\"color:#10c4c7;font-size:28px;font-weight:800;line-height:1;\">AMF<\/div>\n    <div style=\"color:#64748b;font-size:13px;margin-top:6px;\">Certified brokers<\/div>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading has-text-color\" id=\"definition\" style=\"color:#0d1f2d;font-family:Sora;font-size:28px;font-weight:700\"><span class=\"ez-toc-section\" id=\"What-is-a-commercial-vehicle\"><\/span>What is a commercial vehicle?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p style=\"font-family:DM Sans;font-size:16px\">In Quebec, a <strong>commercial vehicle<\/strong> refers to any motor vehicle used primarily for commercial or professional purposes. Unlike a passenger vehicle, it is used to transport goods, materials or equipment in the course of an economic activity. <\/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\/vehicule-utilitaire-1.jpg\" alt=\"Commercial Utility Vehicle \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=\"Commercial-Vehicle-Insurance-Commercial\"><\/span>Commercial Vehicle Insurance (Commercial)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <p style=\"color:#475569;font-size:16px;line-height:1.7;margin:0 0 12px;\"><strong>Commercial utility vehicles<\/strong> (vans, vans, minivans) used for deliveries, construction sites or the transport of equipment must be insured on a commercial basis.<\/p>\n    <p style=\"color:#475569;font-size:15px;line-height:1.7;margin:0;\"><strong>Personal difference:<\/strong> Your personal auto policy EXCLUDES commercial use. A commercial green plate (SAAQ) AND a commercial policy are mandatory as soon as the vehicle is used for your professional activity. <\/p>\n  <\/div>\n<\/div>\n\n<p style=\"font-family:DM Sans;font-size:16px\">According to the <a href=\"https:\/\/saaq.gouv.qc.ca\/immatriculation\/categories-vehicules\" target=\"_blank\" rel=\"noopener\">Soci\u00e9t\u00e9 de l&#8217;assurance automobile du Qu\u00e9bec (SAAQ),<\/a> commercial vehicles are classified according to their gross vehicle weight rating (GVWR), which directly influences registration, licensing and insurance requirements.<\/p>\n\n<p style=\"font-family:DM Sans;font-size:16px\">Commercial vehicle insurance differs from personal car insurance in the nature of the risks covered: heavy commercial use, transportation of valuables, liability to customers and third parties, and sometimes the presence of paid passengers.<\/p>\n\n<h2 class=\"wp-block-heading has-text-color\" id=\"types\" style=\"color:#0d1f2d;font-family:Sora;font-size:28px;font-weight:700\"><span class=\"ez-toc-section\" id=\"Types-of-Commercial-Vehicles-Covered\"><\/span>Types of Commercial Vehicles Covered<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p style=\"font-family:DM Sans;font-size:16px\">Quebec insurers offer coverage for a wide variety of commercial vehicles. Here are the main categories: <\/p>\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-92515837 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading has-text-color\" style=\"color:#10c4c7;font-family:Sora;font-size:20px;font-weight:600\">Light Vehicles<\/h3>\n\n\n\n<ul style=\"font-size:15px\" class=\"wp-block-list has-dm-sans-font-family\">\n<li><strong>Pickups<\/strong> \u2014 Ford F-150, Ram 1500, Chevrolet Silverado<\/li>\n\n\n\n<li><strong>Cargo vans<\/strong> \u2014 Ford Transit, Mercedes Sprinter, Ram ProMaster<\/li>\n\n\n\n<li><strong>Commercial SUVs<\/strong> \u2014 used for customer visits or transporting equipment<\/li>\n\n\n\n<li><strong>Service vehicles<\/strong> \u2014 plumbers, electricians, technicians<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading has-text-color\" style=\"color:#10c4c7;font-family:Sora;font-size:20px;font-weight:600\">Heavy vehicles<\/h3>\n\n\n\n<ul style=\"font-size:15px\" class=\"wp-block-list has-dm-sans-font-family\">\n<li><strong>Straight trucks<\/strong> \u2014 cube, flatbed, dump<\/li>\n\n\n\n<li><strong>Tractor-trailers \u2014 long-haul<\/strong> transport<\/li>\n\n\n\n<li><strong>Vocational vehicles<\/strong> \u2014 boom lifts, mobile cranes, concrete mixers<\/li>\n\n\n\n<li><strong>Buses and minibuses<\/strong> \u2014 staff or school transport<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n<p style=\"font-family:DM Sans;font-size:16px\">For <a href=\"https:\/\/www.assur360.ca\/en\/trucking-insurance-2\/\">trucking<\/a> companies, specific coverage is added depending on the type of goods transported and the distances travelled. Check out our guide to <a href=\"https:\/\/www.assur360.ca\/en\/trucking-insurance-2\/\">trucking insurance<\/a> to learn more. <\/p>\n\n<h2 class=\"wp-block-heading has-text-color\" id=\"couvertures-obligatoires\" style=\"color:#0d1f2d;font-family:Sora;font-size:28px;font-weight:700\"><span class=\"ez-toc-section\" id=\"Mandatory-coverage-in-Quebec\"><\/span>Mandatory coverage in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p style=\"font-family:DM Sans;font-size:16px\">Quebec&#8217;s automobile insurance plan is unique in Canada. It combines a public plan (SAAQ) for bodily injury and mandatory private insurance for property damage. For a commercial vehicle, here is what is <strong>mandatory<\/strong> :  <\/p>\n\n<h3 class=\"wp-block-heading has-text-color\" style=\"color:#0d1f2d;font-family:Sora;font-size:22px;font-weight:600\">1. Civil liability (minimum $50,000)<\/h3>\n\n<p style=\"font-family:DM Sans;font-size:16px\">Quebec law requires a minimum of <strong>$50,000<\/strong> in civil liability, but for a utility vehicle, brokers strongly recommend a minimum of <strong>$2,000,000<\/strong>. In the event of an accident involving significant material damage (goods, road infrastructure, third-party vehicles), the legal minimum is largely insufficient. <\/p>\n\n<h3 class=\"wp-block-heading has-text-color\" style=\"color:#0d1f2d;font-family:Sora;font-size:22px;font-weight:600\">2. Chapter A \u2014 Owner&#8217;s civil liability<\/h3>\n\n<p style=\"font-family:DM Sans;font-size:16px\">This section of the insurance policy covers property damage caused to others by your commercial vehicle. It is <strong>mandatory<\/strong> to register any vehicle in Qu\u00e9bec, whether personal or commercial. <\/p>\n\n<h3 class=\"wp-block-heading has-text-color\" style=\"color:#0d1f2d;font-family:Sora;font-size:22px;font-weight:600\">3. Quebec Homeowners&#8217; Insurance Form (Q.P.F.)<\/h3>\n\n<p style=\"font-family:DM Sans;font-size:16px\">Your commercial vehicle insurance policy is governed by <strong>Q.P.F. No. 1<\/strong> (civil liability insurance) approved by the <a href=\"https:\/\/lautorite.qc.ca\/grand-public\/assurance\/assurance-automobile\" target=\"_blank\" rel=\"noopener\">Autorit\u00e9 des march\u00e9s financiers (AMF).<\/a> The AMF regulates all insurance policies sold in Qu\u00e9bec and ensures consumer protection. <\/p>\n\n<div class=\"wp-block-group has-background is-layout-constrained wp-container-core-group-is-layout-9f0269b8 wp-block-group-is-layout-constrained\" style=\"border-width:0px;border-radius:12px;background-color:#f0fafa;padding-top:25px;padding-right:30px;padding-bottom:25px;padding-left:30px\">\n<p style=\"color:#0d1f2d;font-family:DM Sans;font-size:16px;font-weight:600\">(i) Good to know<\/p>\n\n\n\n<p style=\"font-family:DM Sans;font-size:15px\">In Quebec, <strong>bodily<\/strong> injury is covered by the SAAQ public plan, regardless of who is at fault for the accident. Private insurance only covers <strong>property<\/strong> damage. This is called the &#8220;no-fault&#8221; regime for injuries.  <\/p>\n<\/div>\n\n<h2 class=\"wp-block-heading has-text-color\" id=\"couvertures-optionnelles\" style=\"color:#0d1f2d;font-family:Sora;font-size:28px;font-weight:700\"><span class=\"ez-toc-section\" id=\"Recommended-Optional-Coverages\"><\/span>Recommended Optional Coverages<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p style=\"font-family:DM Sans;font-size:16px\">Beyond the mandatory minimum, several additional coverages are strongly recommended for a commercial vehicle. These coverages fall under <strong>Chapter B<\/strong> of your policy (Q.P.F. No. 5). <\/p>\n\n<h3 class=\"wp-block-heading has-text-color\" style=\"color:#10c4c7;font-family:Sora;font-size:20px;font-weight:600\">Collision and Rollover<\/h3>\n\n<p style=\"font-family:DM Sans;font-size:16px\">Covers damage to your own commercial vehicle in the event of a collision with another vehicle, a fixed object or in the event of an overpayment. Essential if your truck is financed or leased. <\/p>\n\n<h3 class=\"wp-block-heading has-text-color\" style=\"color:#10c4c7;font-family:Sora;font-size:20px;font-weight:600\">All risks (additional risks)<\/h3>\n\n<p style=\"font-family:DM Sans;font-size:16px\">Protects against theft, vandalism, glass breakage, bad weather (hail, flooding), fire and animal impacts. Particularly relevant in Quebec where winter conditions can cause significant damage. <\/p>\n\n<h3 class=\"wp-block-heading has-text-color\" style=\"color:#10c4c7;font-family:Sora;font-size:20px;font-weight:600\">Contents and Equipment Insurance<\/h3>\n\n<p style=\"font-family:DM Sans;font-size:16px\">Covers tools, materials, and specialized equipment carried in your vehicle. An electrician or plumber can have thousands of dollars worth of tools in their van \u2014 a must-have cover. <\/p>\n\n<h3 class=\"wp-block-heading has-text-color\" style=\"color:#10c4c7;font-family:Sora;font-size:20px;font-weight:600\">In-Transit Cargo Insurance<\/h3>\n\n<p style=\"font-family:DM Sans;font-size:16px\">If you are transporting the goods of customers or third parties, this coverage protects against loss or damage to the goods during transport. Essential for delivery and <a href=\"https:\/\/www.assur360.ca\/en\/trucking-insurance-2\/\">trucking<\/a> companies. <\/p>\n\n<h3 class=\"wp-block-heading has-text-color\" style=\"color:#10c4c7;font-family:Sora;font-size:20px;font-weight:600\">Replacement vehicle<\/h3>\n\n<p style=\"font-family:DM Sans;font-size:16px\">Covers the rental of a replacement vehicle while yours is being repaired. For a business, every day without a commercial vehicle can represent significant revenue losses. <\/p>\n\n<h3 class=\"wp-block-heading has-text-color\" style=\"color:#10c4c7;font-family:Sora;font-size:20px;font-weight:600\">Replacement Cost<\/h3>\n\n<p style=\"font-family:DM Sans;font-size:16px\">In the event of a total loss in the first few years, you receive the replacement value at replacement rather than the depreciated value. This is particularly advantageous for new commercial vehicles, which depreciate quickly. <\/p>\n\n<hr class=\"wp-block-separator has-text-color has-alpha-channel-opacity has-background is-style-wide\" style=\"background-color:#e0e0e0;color:#e0e0e0\"\/>\n\n<h2 class=\"wp-block-heading has-text-color\" id=\"flotte\" style=\"color:#0d1f2d;font-family:Sora;font-size:28px;font-weight:700\"><span class=\"ez-toc-section\" id=\"Commercial-Vehicle-Fleet-Insurance\"><\/span>Commercial Vehicle Fleet Insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p style=\"font-family:DM Sans;font-size:16px\">If your business <strong>owns three or more commercial vehicles, it&#8217;s<\/strong> a good idea to purchase <strong>commercial fleet insurance<\/strong>. This type of policy groups all your vehicles under a single contract, with several benefits: <\/p>\n\n<ul style=\"font-size:16px\" class=\"wp-block-list has-dm-sans-font-family\">\n<li><strong>Volume Discounts<\/strong> \u2014 Premiums are reduced through bundling<\/li>\n\n\n\n<li><strong>Simplified management<\/strong> \u2014 One policy, one renewal date<\/li>\n\n\n\n<li><strong>Flexibility<\/strong> \u2014 Easy addition or removal of vehicles during the year<\/li>\n\n\n\n<li><strong>Uniform Coverages<\/strong> \u2014 Same Coverage for the Entire Fleet<\/li>\n\n\n\n<li><strong>Experience Rating<\/strong> \u2014 Your claims history directly influences your premium<\/li>\n<\/ul>\n\n<p style=\"font-family:DM Sans;font-size:16px\">For fleets of taxis or transport vehicles, consult our specialized page on <a href=\"\/assurance-flotte-de-taxis\/\">taxi fleet insurance<\/a>. For your broader business needs, check out our comprehensive <a href=\"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/\">business insurance<\/a> . <\/p>\n\n<div class=\"wp-block-group has-background is-layout-constrained wp-container-core-group-is-layout-edcd9cee wp-block-group-is-layout-constrained\" style=\"border-width:0px;border-radius:12px;background-color:#0d1f2d;padding-top:30px;padding-right:30px;padding-bottom:30px;padding-left:30px\">\n<h3 class=\"wp-block-heading has-text-align-center has-text-color\" style=\"color:#ffffff;font-family:Sora;font-size:22px;font-weight:700\">Get your quote in minutes<\/h3>\n\n\n\n<p class=\"has-text-align-center has-text-color\" style=\"color:#cccccc;font-family:DM Sans;font-size:16px\">Our commercial insurance brokers compare the best insurers to provide you with the optimal coverage at the best price.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-text-color has-background has-custom-font-size wp-element-button\" href=\"https:\/\/www.assur360.ca\/en\/commercial-insurance-quote-comparator-1\/\" style=\"border-radius:8px;color:#ffffff;background-color:#10c4c7;padding-top:14px;padding-right:32px;padding-bottom:14px;padding-left:32px;font-family:Sora;font-size:16px;font-weight:700\">Compare your prices now<\/a><\/div>\n<\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading has-text-color\" id=\"facteurs-prix\" style=\"color:#0d1f2d;font-family:Sora;font-size:28px;font-weight:700\"><span class=\"ez-toc-section\" id=\"Factors-that-influence-the-cost-of-commercial-vehicle-insurance\"><\/span>Factors that influence the cost of commercial vehicle insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p style=\"font-family:DM Sans;font-size:16px\">The cost of commercial truck insurance in Quebec varies considerably from one company to another. Here are the main factors evaluated by insurers: <\/p>\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-92515837 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading has-text-color\" style=\"color:#0d1f2d;font-family:Sora;font-size:20px;font-weight:600\">Vehicle-related<\/h3>\n\n\n\n<ul style=\"font-size:15px\" class=\"wp-block-list has-dm-sans-font-family\">\n<li><strong>Vehicle Type and Weight<\/strong> (GVWR)<\/li>\n\n\n\n<li><strong>Year, make and model<\/strong><\/li>\n\n\n\n<li><strong>Value<\/strong> of the vehicle and equipment<\/li>\n\n\n\n<li><strong>Special facilities<\/strong> (crane, refrigeration, cherry picker)<\/li>\n\n\n\n<li><strong>Expected annual mileage<\/strong><\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading has-text-color\" style=\"color:#0d1f2d;font-family:Sora;font-size:20px;font-weight:600\">Related to the company<\/h3>\n\n\n\n<ul style=\"font-size:15px\" class=\"wp-block-list has-dm-sans-font-family\">\n<li><strong>Industry<\/strong> (construction, delivery, services)<\/li>\n\n\n\n<li><strong>Radius of operation<\/strong> (local, regional, interprovincial)<\/li>\n\n\n\n<li><strong>Number of drivers<\/strong> and their experience<\/li>\n\n\n\n<li><strong>Company Claims History<\/strong><\/li>\n\n\n\n<li><strong>Security measures<\/strong> (GPS, cameras, anti-theft)<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n<p style=\"font-family:DM Sans;font-size:16px\">As a guide, insurance for a pickup truck used for business in Quebec typically costs between <strong>$1,500 and $4,000 per year<\/strong>, while a heavy-duty truck can easily exceed <strong>$5,000 to $12,000<\/strong> depending on usage. A <a href=\"https:\/\/www.assur360.ca\/en\/insurance-broker-get-a-quick-quote\/business-insurance-broker-get-a-quote\/\">broker specializing in business insurance<\/a> can get you the best rates by shopping around with several insurers. <\/p>\n\n<h2 class=\"wp-block-heading has-text-color\" id=\"economiser\" style=\"color:#0d1f2d;font-family:Sora;font-size:28px;font-weight:700\"><span class=\"ez-toc-section\" id=\"How-to-save-on-your-commercial-vehicle-insurance\"><\/span>How to save on your commercial vehicle insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p style=\"font-family:DM Sans;font-size:16px\">Here are proven strategies to reduce your business insurance premiums without sacrificing your coverages:<\/p>\n\n<h3 class=\"wp-block-heading has-text-color\" style=\"color:#0d1f2d;font-family:Sora;font-size:20px;font-weight:600\">1. Bundle your insurance<\/h3>\n\n<p style=\"font-family:DM Sans;font-size:16px\">By combining your <a href=\"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/\">business insurance<\/a>, commercial vehicle insurance and professional liability insurance with the same insurer, you can get discounts ranging from 10% to 20%.<\/p>\n\n<h3 class=\"wp-block-heading has-text-color\" style=\"color:#0d1f2d;font-family:Sora;font-size:20px;font-weight:600\">2. Increase your deductible<\/h3>\n\n<p style=\"font-family:DM Sans;font-size:16px\">Going from a $500 deductible to $1,000 or $2,500 can significantly reduce your annual premium. However, make sure you have the necessary cash flow in the event of a claim. <\/p>\n\n<h3 class=\"wp-block-heading has-text-color\" style=\"color:#0d1f2d;font-family:Sora;font-size:20px;font-weight:600\">3. Invest in prevention<\/h3>\n\n<p style=\"font-family:DM Sans;font-size:16px\">GPS systems, dash cams, anti-theft systems and driver training demonstrate to the insurer that you are actively managing your risks, which can result in premium reductions.<\/p>\n\n<h3 class=\"wp-block-heading has-text-color\" style=\"color:#0d1f2d;font-family:Sora;font-size:20px;font-weight:600\">4. Maintain a good driving record<\/h3>\n\n<p style=\"font-family:DM Sans;font-size:16px\">A loss-free history for several years is your best bet. Select your drivers carefully and require a clean driving record before hiring. <\/p>\n\n<h3 class=\"wp-block-heading has-text-color\" style=\"color:#0d1f2d;font-family:Sora;font-size:20px;font-weight:600\">5. Use a broker<\/h3>\n\n<p style=\"font-family:DM Sans;font-size:16px\">A <a href=\"https:\/\/www.assur360.ca\/en\/insurance-broker-get-a-quick-quote\/business-insurance-broker-get-a-quote\/\">commercial insurance broker<\/a> has access to multiple insurers and can trade on your behalf. Their expertise often makes it possible to find savings that you would not find on your own. At Assur360, our broker partners shop for you.  <\/p>\n\n<h2 class=\"wp-block-heading has-text-color\" id=\"reclamation\" style=\"color:#0d1f2d;font-family:Sora;font-size:28px;font-weight:700\"><span class=\"ez-toc-section\" id=\"Claims-process-in-the-event-of-a-claim\"><\/span>Claims process in the event of a claim<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p style=\"font-family:DM Sans;font-size:16px\">In the event of an accident or claim involving your commercial vehicle, here are the steps to follow:<\/p>\n\n<ol style=\"font-size:16px\" class=\"wp-block-list has-dm-sans-font-family\">\n<li><strong>Secure the scene<\/strong> \u2014 Ensure the safety of all occupants and mark the area if necessary.<\/li>\n\n\n\n<li><strong>Call emergency services<\/strong> \u2014 Police (for report), ambulance if injuries are involved.<\/li>\n\n\n\n<li><strong>Document the damage<\/strong> \u2014 Take photos of the vehicle, the scene, and any visible damage. Write down the contact information of the witnesses. <\/li>\n\n\n\n<li><strong>Fill out the joint report<\/strong> \u2014 If both parties can agree, fill out the joint report of motor vehicle accident.<\/li>\n\n\n\n<li><strong>Contact your broker or insurer<\/strong> \u2014 Report the claim as soon as possible (ideally within 24 hours).<\/li>\n\n\n\n<li><strong>Get an estimate of the repairs<\/strong> \u2014 The insurer will appoint a claims adjuster to assess the damage.<\/li>\n\n\n\n<li><strong>Follow the process<\/strong> \u2014 Keep all receipts and keep a log of communications.<\/li>\n<\/ol>\n\n<div class=\"wp-block-group has-background is-layout-constrained wp-container-core-group-is-layout-9f0269b8 wp-block-group-is-layout-constrained\" style=\"border-width:0px;border-radius:12px;background-color:#f0fafa;padding-top:25px;padding-right:30px;padding-bottom:25px;padding-left:30px\">\n<p style=\"color:#0d1f2d;font-family:DM Sans;font-size:16px;font-weight:600\">(i) Important advice<\/p>\n\n\n\n<p style=\"font-family:DM Sans;font-size:15px\">If you are not satisfied with the resolution of your claim, you can file a complaint with the <a href=\"https:\/\/lautorite.qc.ca\/grand-public\/assistance-et-plainte\" target=\"_blank\" rel=\"noopener\">Autorit\u00e9 des march\u00e9s financiers (AMF),<\/a> the organization that oversees insurers in Quebec.<\/p>\n<\/div>\n\n<hr class=\"wp-block-separator has-text-color has-alpha-channel-opacity has-background is-style-wide\" style=\"background-color:#e0e0e0;color:#e0e0e0\"\/>\n\n<h2 class=\"wp-block-heading has-text-color\" id=\"faq\" style=\"color:#0d1f2d;font-family:Sora;font-size:28px;font-weight:700\"><span class=\"ez-toc-section\" id=\"Frequently-asked-questions-about-commercial-vehicle-insurance\"><\/span>Frequently asked questions about commercial vehicle insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>What is the difference between personal car insurance and commercial vehicle insurance?<\/strong><\/summary>\n<p style=\"font-family:DM Sans;font-size:15px\">Personal car insurance covers a vehicle used for private travel. Commercial vehicle insurance covers a vehicle used for commercial purposes: transporting goods, visiting customers, deliveries. If you use your personal vehicle for work without the right coverage, your insurer may deny a claim.  <\/p>\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>Does my personal insurance cover my vehicle if I use it for work?<\/strong><\/summary>\n<p style=\"font-family:DM Sans;font-size:15px\">In general, no. If you regularly use your personal vehicle to transport tools, equipment or goods in the course of your job or business, you need business insurance. Failure to declare commercial use may result in a denial of coverage in the event of a claim.  <\/p>\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>How much does commercial vehicle insurance cost in Quebec?<\/strong><\/summary>\n<p style=\"font-family:DM Sans;font-size:15px\">Premiums vary greatly depending on the type of vehicle and the use. For a pickup truck used locally, expect to pay between $1,500 and $4,000 per year. A straight truck can cost anywhere from $5,000 to $12,000. Fleets of heavy-duty vehicles for interprovincial use can exceed $15,000 per vehicle. The best way to get an accurate price is to <a href=\"https:\/\/www.assur360.ca\/en\/commercial-insurance-quote-comparator-1\/\">request a free quote<\/a>.    <\/p>\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>From how many vehicles can I get fleet insurance?<\/strong><\/summary>\n<p style=\"font-family:DM Sans;font-size:15px\">Most insurers offer fleet policies for three vehicles or more. Some accept two vehicles or more. The main advantage is the volume discount and administrative simplification with a single policy and a single renewal date.  <\/p>\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>My commercial vehicle is leased or financed. What coverage is required? <\/strong><\/summary>\n<p style=\"font-family:DM Sans;font-size:15px\">If your vehicle is leased or financed, the creditor will typically require collision and upset coverage, as well as comprehensive coverage, in addition to mandatory liability. Replacement cost is also strongly recommended for new vehicles. <\/p>\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>Are modifications and special accommodations covered?<\/strong><\/summary>\n<p style=\"font-family:DM Sans;font-size:15px\">Special accommodations (refrigerated box, cherry picker, crane, interior shelves, work equipment) must be declared to your insurer and added to the policy. Without a declaration, they will not be covered in the event of a claim. Make sure you have an up-to-date appraisal of the total value of your converted vehicle.  <\/p>\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>Do I need insurance if my commercial vehicle is only driven on private property?<\/strong><\/summary>\n<p style=\"font-family:DM Sans;font-size:15px\">Even if your commercial vehicle is not driven on public roads (for example, a forklift in a warehouse or a construction vehicle), it is recommended that it be covered. Civil liability may apply in the event of damage to third parties on your property, and insurance also protects against theft or fire. <\/p>\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>What documents are required to insure a commercial vehicle in Quebec?<\/strong><\/summary>\n<p style=\"font-family:DM Sans;font-size:15px\">You will generally need the vehicle&#8217;s registration certificate, the designated driver&#8217;s licence (appropriate class), the Qu\u00e9bec enterprise number (NEQ), the claims history and a description of the intended use of the vehicle (type of goods, operating radius, expected annual mileage).<\/p>\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>Can I insure a commercial vehicle in my company&#8217;s name?<\/strong><\/summary>\n<p style=\"font-family:DM Sans;font-size:15px\">Yes, and it&#8217;s even recommended. By registering and insuring the vehicle in the name of your incorporated company, you benefit from better legal protection and possible tax advantages. Business insurance premiums are a tax-deductible business expense.  <\/p>\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>What happens if an employee has an accident with my commercial vehicle?<\/strong><\/summary>\n<p style=\"font-family:DM Sans;font-size:15px\">If the employee is duly licensed and registered as a driver, the commercial vehicle insurance policy covers the accident. However, if the driver is not licensed or licensed, the insurer may deny coverage. That&#8217;s why it&#8217;s crucial to declare all potential drivers.  <\/p>\n<\/details>\n\n<hr class=\"wp-block-separator has-text-color has-alpha-channel-opacity has-background is-style-wide\" style=\"background-color:#e0e0e0;color:#e0e0e0\"\/>\n\n<h2 class=\"wp-block-heading has-text-color\" style=\"color:#0d1f2d;font-family:Sora;font-size:28px;font-weight:700\"><span class=\"ez-toc-section\" id=\"Protect-your-commercial-vehicles-today\"><\/span>Protect your commercial vehicles today<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p style=\"font-family:DM Sans;font-size:16px\">Whether you own a single utility truck or an entire fleet, our commercial insurance broker partners are ready to help. They will compare offers from several insurers to find you the best coverage at the best price. <\/p>\n\n<div class=\"wp-block-group has-background is-layout-constrained wp-container-core-group-is-layout-8b29b751 wp-block-group-is-layout-constrained\" style=\"border-width:0px;border-radius:12px;background-color:#0d1f2d;padding-top:35px;padding-right:30px;padding-bottom:35px;padding-left:30px\">\n<h3 class=\"wp-block-heading has-text-align-center has-text-color\" style=\"color:#ffffff;font-family:Sora;font-size:24px;font-weight:700\">Request your free quote<\/h3>\n\n\n\n<p class=\"has-text-align-center has-text-color\" style=\"color:#cccccc;font-family:DM Sans;font-size:16px\">Fill out our online form and receive competitive quotes for your commercial vehicle insurance in Quebec. It&#8217;s fast, free and without obligation. <\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-text-color has-background has-custom-font-size wp-element-button\" href=\"https:\/\/www.assur360.ca\/en\/commercial-insurance-quote-comparator-1\/\" style=\"border-radius:8px;color:#ffffff;background-color:#10c4c7;padding-top:16px;padding-right:40px;padding-bottom:16px;padding-left:40px;font-family:Sora;font-size:17px;font-weight:700\">Get my free quote<\/a><\/div>\n<\/div>\n<\/div>\n\n<p class=\"has-text-align-center has-text-color\" style=\"color:#888888;font-family:DM Sans;font-size:14px\">Do you have other needs? Explore our pages on <a href=\"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/\">business insurance<\/a>, <a href=\"https:\/\/www.assur360.ca\/en\/trucking-insurance-2\/\">trucking insurance<\/a> and <a href=\"https:\/\/www.assur360.ca\/en\/restaurant-insurance-quote-in-3-minutes\/\">restaurant insurance<\/a>. <\/p>\n<p><!-- \/wp:post-content --><\/p>\n<p><!-- wp:html --><br \/>\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Quelle est la diff\u00e9rence entre une assurance auto personnelle et une assurance v\u00e9hicule utilitaire?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"L'assurance auto personnelle couvre un v\u00e9hicule utilis\u00e9 pour des d\u00e9placements priv\u00e9s. L'assurance v\u00e9hicule utilitaire couvre un v\u00e9hicule utilis\u00e9 \u00e0 des fins commerciales : transport de marchandises, visites de clients, livraisons. Si vous utilisez votre v\u00e9hicule personnel pour le travail sans la bonne couverture, votre assureur pourrait refuser une r\u00e9clamation.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Est-ce que mon assurance personnelle couvre mon v\u00e9hicule si je l'utilise pour le travail?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"En g\u00e9n\u00e9ral, non. Si vous utilisez r\u00e9guli\u00e8rement votre v\u00e9hicule personnel pour transporter des outils, du mat\u00e9riel ou des marchandises dans le cadre de votre emploi ou de votre entreprise, vous avez besoin d'une assurance commerciale. Le d\u00e9faut de d\u00e9clarer l'usage commercial peut entra\u00eener un refus de couverture en cas de sinistre.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Combien co\u00fbte une assurance v\u00e9hicule utilitaire au Qu\u00e9bec?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Les primes varient \u00e9norm\u00e9ment selon le type de v\u00e9hicule et l'usage. Pour une camionnette utilis\u00e9e localement, comptez entre 1 500 $ et 4 000 $ par ann\u00e9e. Un camion porteur peut co\u00fbter de 5 000 $ \u00e0 12 000 $. Les flottes de v\u00e9hicules lourds avec usage interprovincial peuvent d\u00e9passer les 15 000 $ par v\u00e9hicule.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"\u00c0 partir de combien de v\u00e9hicules puis-je avoir une assurance flotte?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"La plupart des assureurs offrent des polices flotte \u00e0 partir de trois v\u00e9hicules. Certains acceptent d\u00e8s deux v\u00e9hicules. L'avantage principal est le rabais de volume et la simplification administrative avec une seule police et une seule date de renouvellement.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Mon v\u00e9hicule utilitaire est lou\u00e9 ou financ\u00e9. 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