{"id":15809,"date":"2016-10-25T16:48:32","date_gmt":"2016-10-25T20:48:32","guid":{"rendered":"https:\/\/www.assur360.ca\/2nd-chance-car-insurance-quote-the-solution-2\/2nd-chance-car-insurance-2\/"},"modified":"2026-05-22T00:54:56","modified_gmt":"2026-05-22T04:54:56","slug":"2nd-chance-car-insurance-2","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/2nd-chance-car-insurance-quote-the-solution-2\/2nd-chance-car-insurance-2\/","title":{"rendered":"2nd Chance Car Insurance"},"content":{"rendered":"\n<style>#ez-toc-container{display:none!important}<\/style>\n\n<h1 style=\"font-family:'Sora',sans-serif;font-size:clamp(28px,4vw,38px);font-weight:800;line-height:1.2;color:#0d1f2d;margin:32px 0 24px;\"><span class=\"ez-toc-section\" id=\"2nd-Chance-Car-Insurance\"><\/span>2nd Chance Car Insurance<span class=\"ez-toc-section-end\"><\/span><\/h1>\n\n<script type=\"application\/ld+json\">{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"InsuranceAgency\",\n  \"name\": \"Assur360 \u2014 Assurance auto r\u00e9sili\u00e9e Qu\u00e9bec\",\n  \"url\": \"https:\/\/www.assur360.ca\/soumission-assurance-auto-2e-chance-la-solution\/assurance-auto-resilie\/\",\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 r\u00e9siliation\", \"Assurance dossier difficile\"],\n  \"priceRange\": \"$$\",\n  \"member\": [\n    {\"@type\": \"Organization\", \"name\": \"Autorit\u00e9 des march\u00e9s financiers (AMF)\"},\n    {\"@type\": \"Organization\", \"name\": \"Chambre de l'assurance\"}\n  ]\n}\n<\/script>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:17px;line-height:1.8;color:#334155;\">Has your insurer just <strong>cancelled your car insurance policy<\/strong> ? Don&#8217;t panic: a cancellation, even for non-payment, false declarations or multiple claims, does not mean the end of your mobility. At <strong>Assur360<\/strong>, our <strong>AMF-certified brokers<\/strong> have been specializing in <strong>substandard auto insurance<\/strong> files in Quebec for over 30 years. We compare several specialized insurers to find you coverage that complies with <strong>the Automobile Insurance Act<\/strong>, quickly and without judgment.   <\/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-auto-resilie-1.jpg\" alt=\"Car insurance for cancelled drivers \u2014 Assur360\" 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-for-cancelled-drivers\"><\/span>Car insurance for cancelled drivers<span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <p style=\"color:#475569;font-size:16px;line-height:1.7;margin:0 0 12px;\">If your last insurer <strong>cancelled your policy<\/strong> (non-payment, misrepresentation, multiple accidents), the standard markets will deny your claim for <strong>3-7 years<\/strong>.<\/p>\n    <p style=\"color:#475569;font-size:15px;line-height:1.7;margin:0;\"><strong>Solution:<\/strong> <strong>specialized non-standard markets<\/strong> (Pafco, Echelon, Cumis) accept terminated contracts. Increased bonus but possible resumption. An independent broker knows all of these markets.  <\/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;\">ASSURANCE AUTO R\u00c9SILI\u00c9E \u2014 QU\u00c9BEC 2026<\/p>\n  <h2 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\"><span class=\"ez-toc-section\" id=\"Refuse-ou-resilie-Nous-trouvons-une-solution\"><\/span>Refus\u00e9 ou r\u00e9sili\u00e9 ? Nous trouvons une solution.<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;\">Courtiers sp\u00e9cialis\u00e9s en risques difficiles, r\u00e9seau de 9+ assureurs au Qu\u00e9bec. Soumission confidentielle en 3 minutes, sans engagement.<\/p>\n  <a href=\"https:\/\/www.assur360.ca\/soumission-auto-en-ligne\/\" 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;\">Obtenir ma soumission gratuite<\/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<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;\">Insurers Compared<\/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;\">3 min<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Online Quote<\/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=\"Why-choose-Assur360-after-a-car-insurance-cancellation\"><\/span>Why choose Assur360 after a car insurance cancellation<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;\">Finding an insurer after a cancellation can take dozens of hours \u2014 and a lot of refusals. Our brokers know the specialized insurers (<strong>sub-standard<\/strong>) who accept difficult files and know how to present your profile to get the best possible premium. <\/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;\">\ud83d\udee1\ufe0f<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Substandard insurers<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Direct access to the <strong>market of specialized insurers<\/strong> who accept cancellations for non-payment, fraud, multiple claims or demerit points.<\/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;\">\ud83e\udd1d<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">No judgment<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Our brokers handle your case with <strong>discretion and professionalism<\/strong>. Your history is analyzed objectively, without reproach. <\/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;\">Best Price Guarantee<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">We compare <strong>several sub-standard insurers<\/strong> to find the most competitive premium for your actual situation.<\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Reasons-for-cancelling-car-insurance-in-Quebec\"><\/span>Reasons for cancelling car insurance in 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;\">An insurer cannot cancel a policy arbitrarily. The <strong>Quebec Insurance Act<\/strong> strictly regulates accepted reasons. Here are the 5 most common reasons that lead to a cancellation.  <\/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;\">\ud83d\udcb3<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Non-payment of premiums<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Cause #1: Returned cheque, refused direct debit, delay of more than 15 days. The insurer sends a <strong>notice 15 days<\/strong> before the actual termination. <\/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\udcdd<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">False declaration<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Omission or lies about drivers, mileage, commercial use, past claims. The insurer can cancel <strong>retroactively (nullity ab initio).<\/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\udca5<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Multiple claims<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Three or more claims in 3 years (at fault or not) can trigger a termination for <strong>aggravation of the risk<\/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\udea8<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Demerit points<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Accumulation of points on the <strong>SAAQ record<\/strong>, excessive speeding, racing, dangerous driving. The insurer adjusts the risk upwards or terminates. <\/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;\">\u2696\ufe0f<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Criminal offences<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Drinking and driving, hit-and-run, dangerous driving under the <strong>Criminal Code (s. 320).<\/strong> Almost automatic cancellation by the standard insurer. <\/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\udd04<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Non-renewal<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">The insurer may refuse to renew at maturity. Technically not a termination, but the effect is identical: you have to find new coverage. <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Consequences-of-cancelling-car-insurance\"><\/span>Consequences of cancelling car insurance<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;\">A cancellation leaves a trace in your <strong>insurance file<\/strong> for <strong>3 to 6 years<\/strong>. This marker is visible to all insurers in Quebec via shared databases. Here&#8217;s what you need to know.  <\/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;\">Trace in your file (3 to 6 years)<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Cancellation is recorded in the insurers&#8217; shared databases. It remains visible <strong>for 3 years for non-payment<\/strong> and up to <strong>6 years for a false declaration<\/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;\">2<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Increased premiums (50% to 300%)<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Substandard insurers apply a surcharge. Depending on the reason and severity, your premium can double or triple compared to the standard rate. <\/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;\">Liability insurance obligation<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">In Quebec, the <strong>Automobile Insurance Act (CQLR, c. A-25)<\/strong> requires a minimum of <strong>$50,000<\/strong> in civil liability for all vehicles in circulation. Driving without this coverage is an offence punishable by <strong>$500 to $1,500 in fines<\/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;\">4<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Gradual restoration of the file<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">After 36 months without incident and punctual payments, several standard insurers are accepting your file again. Our brokers follow your profile and switch you back to a normal rate as soon as possible. <\/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 Tip: Always Tell the Truth<\/p>\n    <p style=\"color:#94a3b8;font-size:14px;margin:0;line-height:1.6;\">Attempting to hide a termination when making a new application is a <strong style=\"color:#ffffff;\">false statement (art. 2408 C.C.Q.)<\/strong> that can result in the nullity of your contract AND the refusal of compensation in the event of a claim. Always declare your full history: we will still find a solution. <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Typical-surcharges-by-reason-for-termination-Quebec-2026\"><\/span>Typical surcharges by reason for termination (Quebec 2026)<span class=\"ez-toc-section-end\"><\/span><\/h2>\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;\">Reason for termination<\/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;\">Typical<\/th>\n duration<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;\">One-time<\/td>\n non-payment<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">+20% to +50%<\/td>\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">1 to 2 years<\/td>\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">24 months<\/td>                        \n      <\/tr>\n      <tr style=\"background:#ffffff;\">\n        Repeated \n <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">non-payment<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">+75% to +150%<\/td>\n<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">3 years<\/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:#f8fafc;\">\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">False declaration<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#ef4444;font-weight:700;\">+100% to +200%<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">5 years<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">60 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;\">Multiple Claims (3+)<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">+50% to +125%<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">3 years<\/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:#f8fafc;\">\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Demerit Points (10+)<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">+60% to +140%<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">2 to 3 years<\/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;\">Alcohol\/Impairment<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#ef4444;font-weight:700;\">+150% to +300%<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">6 years<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">72 months<\/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;\">*Fourchettes indicatives 2026 bas\u00e9es sur notre r\u00e9seau d&#8217;assureurs sous-standard. Votre prime r\u00e9elle d\u00e9pend de votre v\u00e9hicule, \u00e2ge, r\u00e9gion et historique complet. <a href=\"https:\/\/www.assur360.ca\/soumission-assurance-auto-sous-standard\/\">Obtenez votre prix exact en 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;\">Mandatory honest declaration \u2014 legal consequences<\/p>\n    <p style=\"color:#7f1d1d;font-size:14px;margin:0 0 8px;line-height:1.6;\">According to <strong>article 2408 of the Civil Code of Qu\u00e9bec<\/strong>, the policyholder must declare <strong>all known circumstances<\/strong> that are likely to influence the insurer. Hiding a previous termination, a claim, a criminal conviction or a household driver is a <strong>misrepresentation<\/strong>. <\/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, retroactive termination, and registration in the file of false declarations for 6 years<\/strong>. There is always an insurer that will accept your true file \u2014 never take that risk. <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Deadlines-and-steps-to-find-car-insurance\"><\/span>Deadlines and steps to find car insurance<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;\">Rassemblez vos documents<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Lettre de r\u00e9siliation, dossier SAAQ (permis + immatriculation), historique de sinistres (FRE de votre ancien assureur), relev\u00e9 de conduite. Notre \u00e9quipe peut vous aider \u00e0 les obtenir.<\/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;\">Soumission en ligne (3 min)<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Remplissez notre <a href=\"https:\/\/www.assur360.ca\/soumission-assurance-auto-sous-standard\/\" style=\"color:#10c4c7;\">formulaire sous-standard<\/a>. D\u00e9clarez toute l&#8217;information demand\u00e9e. Votre dossier est trait\u00e9 confidentiellement.<\/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;\">Comparaison d&#8217;assureurs sp\u00e9cialis\u00e9s<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Un courtier d\u00e9di\u00e9 analyse votre profil et soumet votre dossier \u00e0 3-5 assureurs sous-standard. Vous recevez les meilleures offres en <strong>24 \u00e0 48 h<\/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;\">4<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Souscription et preuve d&#8217;assurance<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Signature \u00e9lectronique, paiement (mensuel ou annuel) et \u00e9mission de votre <strong>Attestation d&#8217;assurance<\/strong> pour la SAAQ le jour m\u00eame.<\/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;\">Restauration progressive<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Apr\u00e8s 24 \u00e0 36 mois de paiements ponctuels et sans sinistre, nous r\u00e9visons votre dossier et vous rebasculons vers un assureur <strong>standard<\/strong> \u00e0 meilleur tarif.<\/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;\">SOUMISSION CONFIDENTIELLE<\/p>\n  <h3 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\">Votre r\u00e9siliation n&#8217;est pas une sentence.<\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Nos courtiers traitent chaque dossier avec discr\u00e9tion. Obtenez 3 \u00e0 5 offres d&#8217;assureurs sous-standard en 24 h.<\/p>\n  <a href=\"https:\/\/www.assur360.ca\/soumission-assurance-auto-sous-standard\/\" 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;\">Soumission gratuite<\/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;\">Parler \u00e0 un courtier<\/a>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Types-of-Files-We-Accept\"><\/span>Types of Files We Accept<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;\">\ud83e\uddfe R\u00e9siliation pour non-paiement<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Ch\u00e8ques retourn\u00e9s, paiements automatiques refus\u00e9s, retards r\u00e9p\u00e9t\u00e9s. Solutions disponibles m\u00eame apr\u00e8s <strong>plusieurs r\u00e9siliations<\/strong>.<\/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\udccb Fausse d\u00e9claration ant\u00e9rieure<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Inscription au fichier des fausses d\u00e9clarations. Nous trouvons des assureurs qui acceptent ce profil apr\u00e8s d\u00e9claration honn\u00eate.<\/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\ude91 Sinistres multiples<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">3 r\u00e9clamations ou plus en 3 ans. Couverture disponible avec franchise ajust\u00e9e et protection adapt\u00e9e.<\/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\ude94 Points de d\u00e9m\u00e9rite SAAQ<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Grand exc\u00e8s de vitesse, course, infraction grave au Code de la s\u00e9curit\u00e9 routi\u00e8re. Voir aussi <a href=\"https:\/\/www.assur360.ca\/assurance-conduite-avec-facultes-affaiblies\/\" style=\"color:#10c4c7;\">apr\u00e8s facult\u00e9s affaiblies<\/a>.<\/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;\">\u2696\ufe0f Dossier criminel<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Condamnation art. 320 C. cr. ou autre. Consultez notre page <a href=\"https:\/\/www.assur360.ca\/assurance-avec-dossier-criminel\/\" style=\"color:#10c4c7;\">assurance auto dossier criminel<\/a>.<\/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 Non-renouvellement<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Votre assureur refuse de renouveler votre police \u00e0 l&#8217;\u00e9ch\u00e9ance. Nous trouvons rapidement une alternative avant l&#8217;expiration.<\/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 serve cancelled or refused Quebec motorists 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-Jean-sur-Richelieu<\/strong>, <strong>Repentigny<\/strong>, <strong>Drummondville<\/strong> and <strong>Thetford Mines<\/strong>. Regardless of your region, the support is 100% remote (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\/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;\">Assurance auto 2e chance<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Une deuxi\u00e8me chance pour reprendre la route apr\u00e8s un refus ou une r\u00e9siliation.<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/assurance-conduite-avec-facultes-affaiblies\/\" 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;\">Assurance apr\u00e8s facult\u00e9s affaiblies<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Solutions d&#8217;assurance auto apr\u00e8s une condamnation art. 320 C. cr.<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/assurance-avec-dossier-criminel\/\" 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;\">Assurance auto avec dossier criminel<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Couverture sp\u00e9cialis\u00e9e apr\u00e8s condamnation criminelle au Qu\u00e9bec.<\/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;\">Assurance habitation avec dossier criminel<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Prot\u00e9gez votre maison m\u00eame avec un dossier compliqu\u00e9.<\/p>\n  <\/a>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently-asked-questions-%E2%80%94-Cancelled-car-insurance\"><\/span>Frequently asked questions \u2014 Cancelled car 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;\">Puis-je encore conduire apr\u00e8s une r\u00e9siliation d&#8217;assurance auto ?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Non. La <strong>Loi sur l&#8217;assurance automobile du Qu\u00e9bec (RLRQ c. A-25)<\/strong> exige un minimum de 50 000 $ de responsabilit\u00e9 civile. Conduire sans assurance est passible de 500 $ \u00e0 1 500 $ d&#8217;amende, plus l&#8217;immobilisation du v\u00e9hicule. Souscrivez une nouvelle police avant de prendre le volant \u2014 nos courtiers \u00e9mettent votre attestation en 24 h.<\/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;\">Combien de temps une r\u00e9siliation reste-t-elle dans mon dossier ?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Selon le motif : <strong>3 ans pour un non-paiement<\/strong>, <strong>3 \u00e0 5 ans pour des sinistres multiples<\/strong>, <strong>6 ans pour une fausse d\u00e9claration<\/strong>. Les assureurs consultent les bases de donn\u00e9es partag\u00e9es de l&#8217;industrie au Qu\u00e9bec lors de chaque souscription.<\/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;\">Combien co\u00fbte une assurance auto apr\u00e8s r\u00e9siliation au Qu\u00e9bec en 2026 ?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Une prime sous-standard varie typiquement entre <strong>1 800 $ et 4 500 $ par ann\u00e9e<\/strong> selon le motif, le v\u00e9hicule, votre \u00e2ge et votre r\u00e9gion. Un non-paiement unique peut co\u00fbter +20 % \u00e0 +50 % de la prime normale, alors qu&#8217;une fausse d\u00e9claration peut doubler ou tripler votre prime. <a href=\"https:\/\/www.assur360.ca\/soumission-assurance-auto-sous-standard\/\">Obtenez votre soumission exacte en 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;\">Dois-je d\u00e9clarer ma r\u00e9siliation \u00e0 un nouvel assureur ?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\"><strong>Oui, obligatoirement.<\/strong> L&#8217;article 2408 du Code civil du Qu\u00e9bec impose la d\u00e9claration de toutes les circonstances connues. Omettre une r\u00e9siliation ant\u00e9rieure est une fausse d\u00e9claration qui peut entra\u00eener la <strong>nullit\u00e9 de votre nouveau contrat<\/strong> et le refus d&#8217;indemnisation en cas de sinistre. Nos courtiers sp\u00e9cialis\u00e9s trouveront un assureur qui accepte votre profil honn\u00eatement.<\/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;\">Que faire si tous les assureurs standards me refusent ?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">C&#8217;est exactement notre sp\u00e9cialit\u00e9. Nous avons acc\u00e8s au <strong>march\u00e9 sous-standard<\/strong> (assureurs Echelon, Optimum, Facility Association, etc.). Si aucun assureur priv\u00e9 n&#8217;accepte, le <strong>Plan de r\u00e9partition des risques (Facility Association)<\/strong> est une couverture de dernier recours garantie par l&#8217;industrie qu\u00e9b\u00e9coise. Nos courtiers s&#8217;en occupent pour vous.<\/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;\">Comment restaurer mon dossier d&#8217;assurance apr\u00e8s une r\u00e9siliation ?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Maintenez votre nouvelle police en vigueur <strong>sans interruption pendant 24 \u00e0 36 mois<\/strong>, payez \u00e0 temps, \u00e9vitez tout sinistre responsable et respectez scrupuleusement le Code de la s\u00e9curit\u00e9 routi\u00e8re. Apr\u00e8s cette p\u00e9riode, nos courtiers resoumettent votre dossier \u00e0 des <strong>assureurs standards<\/strong> pour r\u00e9duire significativement votre prime.<\/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;\">Puis-je obtenir une assurance auto le jour m\u00eame ?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Oui. Lorsque votre dossier sous-standard est accept\u00e9 et le paiement confirm\u00e9, nous \u00e9mettons l&#8217;<strong>attestation d&#8217;assurance<\/strong> la m\u00eame journ\u00e9e par courriel. Vous pouvez ensuite aller \u00e0 la SAAQ pour votre immatriculation si n\u00e9cessaire.<\/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;\">Une r\u00e9siliation d&#8217;un conducteur du foyer affecte-t-elle ma police ?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Oui, les assureurs \u00e9valuent <strong>tous les conducteurs occasionnels<\/strong> de votre foyer. Si votre conjoint(e) ou enfant majeur a \u00e9t\u00e9 r\u00e9sili\u00e9, cela impacte le risque \u00e9valu\u00e9. Vous devez le d\u00e9clarer sinon votre police peut \u00eatre annul\u00e9e pour fausse d\u00e9claration.<\/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\": \"Puis-je encore conduire apr\u00e8s une r\u00e9siliation d'assurance auto ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Non. La Loi sur l'assurance automobile du Qu\u00e9bec exige un minimum de 50 000 $ de responsabilit\u00e9 civile. Conduire sans assurance est passible de 500 $ \u00e0 1 500 $ d'amende, plus l'immobilisation du v\u00e9hicule. 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Vous devez le d\u00e9clarer sinon votre police peut \u00eatre annul\u00e9e pour fausse d\u00e9claration.\"}}\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>Member of the Insurance Chamber<\/strong><\/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;\">SOUMISSION GRATUITE \u2014 3 MIN<\/p>\n  <h3 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\">Une r\u00e9siliation, ce n&#8217;est pas la fin. C&#8217;est un nouveau d\u00e9part.<\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Obtenez jusqu&#8217;\u00e0 5 soumissions d&#8217;assureurs sous-standard en 24 h. Sans engagement, 100 % confidentiel.<\/p>\n  <a href=\"https:\/\/www.assur360.ca\/soumission-assurance-auto-sous-standard\/\" 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;\">Obtenir ma soumission<\/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\": \"Assurance auto r\u00e9sili\u00e9e\", \"item\": \"https:\/\/www.assur360.ca\/soumission-assurance-auto-2e-chance-la-solution\/assurance-auto-resilie\/\"}\n  ]\n}\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>2nd Chance Car Insurance Has your insurer just cancelled your car insurance policy ? Don&#8217;t panic: a cancellation, even for non-payment, false [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":46357,"parent":15548,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_titles_title":"Cancelled Car Insurance Quebec 2026 | Solutions after termination","_seopress_titles_desc":"Car insurance cancelled or refused? Our AMF brokers find a substandard insurer within 24 hours. Free quote in 3 min. Call 1-866-357-4451.   ","_seopress_robots_index":"","_seopress_robots_follow":"","_seopress_robots_imageindex":"","_seopress_robots_snippet":"","_seopress_robots_primary_cat":"","_seopress_robots_breadcrumbs":"","_seopress_robots_freeze_modified_date":"","_seopress_robots_custom_modified_date":"","_seopress_robots_canonical":"","_seopress_social_fb_title":"2nd Chance Car Insurance","_seopress_social_fb_desc":"Compare the best car insurance offers in Quebec. AMF certified broker.  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