{"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":"2026-04-22T12:51:45","modified_gmt":"2026-04-22T16:51:45","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<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 de dommages (ChAD)\"}\n  ]\n}\n<\/script>\n\n<p 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;\">CANCELLED CAR INSURANCE \u2014 QUEBEC 2026<\/p>\n  <h2 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\"><span class=\"ez-toc-section\" id=\"Refused-or-terminated-We-find-a-solution\"><\/span>Refused or terminated? We find a 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;\">Brokers specializing in difficult risks, network of 9+ insurers in Quebec. Confidential quote in 3 minutes, without obligation. <\/p>\n  <a href=\"https:\/\/www.assur360.ca\/en\/quick-car-quote\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;margin-right:12px;\">Get my free<\/a>\n quote<a href=\"tel:+18663574451\" style=\"background:transparent;color:#ffffff;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;border:2px solid #ffffff;\">1-866-357-4451<\/a>  \n<\/div>\n\n<div style=\"display:grid;grid-template-columns:repeat(4,1fr);gap:0;margin:0 0 40px;border-radius:12px;overflow:hidden;border:1px solid #e2e8f0;\">\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">9+<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">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 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 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 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 style=\"color:#64748b;font-size:13px;font-style:italic;text-align:center;\">*2026 indicative ranges based on our network of sub-standard insurers. Your actual premium depends on your vehicle, age, region and complete history. <a href=\"https:\/\/www.assur360.ca\/en\/substandard-car-insurance-quote\/\">Get your exact price in 3 minutes<\/a>. <\/p>\n\n<div style=\"background:#fef2f2;border:2px solid #ef4444;border-radius:12px;padding:24px;margin:32px 0;display:flex;gap:16px;align-items:flex-start;\">\n  <div style=\"font-size:28px;flex-shrink:0;\">\u26a0\ufe0f<\/div>\n  <div>\n    <p style=\"color:#991b1b;font-weight:700;font-size:16px;margin:0 0 8px;\">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;\">Gather your documents<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Cancellation letter, SAAQ file (licence + registration), claims history (FRE from your former insurer), driving record. Our team can help you get them. <\/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;\">Online Submission (3 min)<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Fill out our <a href=\"https:\/\/www.assur360.ca\/en\/substandard-car-insurance-quote\/\" style=\"color:#10c4c7;\">sub-standard form<\/a>. Declare all the information requested. Your file is treated confidentially.  <\/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;\">Comparison of specialist insurers<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">A dedicated broker analyzes your profile and submits your file to 3-5 substandard insurers. You receive the best offers within <strong>24 to 48 hours<\/strong>. <\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">4<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Underwriting and proof of insurance<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Electronic signature, payment (monthly or annual) and issuance of your <strong>Certificate of Insurance<\/strong> for the SAAQ the same day.<\/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;\">Gradual restoration<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">After 24 to 36 months of punctual, claim-free payments, we review your file and switch you back to a <strong>standard<\/strong> insurer at a better rate.<\/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;\">CONFIDENTIAL SUBMISSION<\/p>\n  <h3 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\">Your termination is not an award.<\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Our brokers treat each case with discretion. Get 3 to 5 substandard insurance quotes in 24 hours. <\/p>\n  <a href=\"https:\/\/www.assur360.ca\/en\/substandard-car-insurance-quote\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;margin-right:12px;\">Free<\/a>\n quote<a href=\"tel:+18663574451\" style=\"background:transparent;color:#ffffff;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;border:2px solid #ffffff;\">Talk to a broker<\/a>  \n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"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 Termination for non-payment<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Cheques returned, automatic payments declined, repeated delays. Solutions available even after <strong>several cancellations<\/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 Prior misrepresentation<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Registration in the file of false declarations. We find insurers who accept this profile after honest declaration. <\/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 Multiple claims<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">3 or more claims in 3 years. Coverage available with an adjusted deductible and adapted protection. <\/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 SAAQ demerit points<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Excessive speeding, racing, serious violation of the Highway Safety Code. See also <a href=\"https:\/\/www.assur360.ca\/en\/impaired-driving-insurance-2\/\" style=\"color:#10c4c7;\">after impairment<\/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 Criminal record<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Conviction s. 320 Cr. C. or other. See our <a href=\"https:\/\/www.assur360.ca\/en\/insurance-with-a-criminal-record\/\" style=\"color:#10c4c7;\">criminal record car insurance<\/a> page.  <\/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-renewal<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Your insurer refuses to renew your policy when it expires. We quickly find an alternative before 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 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;\">2nd chance car insurance<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">A second chance to get back on the road after a refusal or termination.<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/impaired-driving-insurance-2\/\" 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;\">Impaired Impairment Insurance<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Auto insurance solutions after a conviction, s. 320 Cr. C.<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/insurance-with-a-criminal-record\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Car insurance with a criminal record<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Specialized coverage after a criminal conviction in Quebec.<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/dossier-criminel-habitation\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Home insurance with a criminal record<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Protect your home even with a complicated backrest.<\/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;\">Can I still drive after a car insurance cancellation?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">No. The <strong>Quebec Automobile Insurance Act (CQLR c. A-25)<\/strong> requires a minimum of $50,000 in civil liability. Driving without insurance is punishable by a fine of $500 to $1,500, plus immobilization of the vehicle. Get a new policy before you get behind the wheel \u2014 our brokers issue your certificate within 24 hours.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">How long does a termination stay on my file?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Depending on the reason: <strong>3 years for non-payment<\/strong>, <strong>3 to 5 years for multiple claims<\/strong>, <strong>6 years for a false declaration<\/strong>. Insurers consult shared industry databases in Quebec with each underwriting. <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">How much does car insurance cost after cancellation in Quebec in 2026?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">A sub-standard premium typically ranges from <strong>$1,800 to $4,500 per year<\/strong> depending on the reason, vehicle, age and region. A one-time non-payment can cost +20% to +50% of the normal premium, while a false declaration can double or triple your premium. <a href=\"https:\/\/www.assur360.ca\/en\/substandard-car-insurance-quote\/\">Get your exact quote in 3 minutes<\/a>. <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Do I have to declare my cancellation to a new insurer?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\"><strong>Yes, you have to.<\/strong>  Article 2408 of the Civil Code of Qu\u00e9bec requires the declaration of all known circumstances. Omitting a previous termination is a false declaration that can lead to the <strong>nullity of your new contract<\/strong> and the refusal of compensation in the event of a claim. Our specialized brokers will find an insurer that accepts your profile honestly. <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">What should I do if all standard insurers refuse me?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">This is exactly our specialty. We have access to the <strong>sub-standard market<\/strong> (Echelon insurers, Optimum, Facility Association, etc.). If no private insurer agrees, the <strong>Facility Association<\/strong> is a last resort coverage guaranteed by the Quebec industry. Our brokers take care of it for you.   <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">How do I restore my insurance file after a cancellation?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Keep your new policy in force <strong>continuously for 24 to 36 months<\/strong>, pay on time, avoid at-fault claims and scrupulously comply with the Highway Safety Code. After this period, our brokers resubmit your file to <strong>standard insurers<\/strong> to significantly reduce your premium. <\/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;\">Can I get same-day car insurance?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Yes. When your sub-standard file is accepted and payment confirmed, we issue the <strong>certificate of insurance<\/strong> the same day by email. You can then go to the SAAQ for your registration if necessary. <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Does a household driver cancellation affect my policy?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Yes, insurers assess <strong>all occasional drivers<\/strong> in your household. If your spouse or adult child has been terminated, this has an impact on the assessed risk. You must declare this or your policy may be cancelled for misrepresentation.  <\/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. Souscrivez une nouvelle police avant de prendre le volant \u2014 nos courtiers \u00e9mettent votre attestation en 24 h.\"}},\n    {\"@type\": \"Question\", \"name\": \"Combien de temps une r\u00e9siliation reste-t-elle dans mon dossier ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Selon le motif : 3 ans pour un non-paiement, 3 \u00e0 5 ans pour des sinistres multiples, 6 ans pour une fausse d\u00e9claration. Les assureurs consultent les bases de donn\u00e9es partag\u00e9es de l'industrie au Qu\u00e9bec lors de chaque souscription.\"}},\n    {\"@type\": \"Question\", \"name\": \"Combien co\u00fbte une assurance auto apr\u00e8s r\u00e9siliation au Qu\u00e9bec en 2026 ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Une prime sous-standard varie typiquement entre 1 800 $ et 4 500 $ par ann\u00e9e 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'une fausse d\u00e9claration peut doubler ou tripler votre prime.\"}},\n    {\"@type\": \"Question\", \"name\": \"Dois-je d\u00e9clarer ma r\u00e9siliation \u00e0 un nouvel assureur ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui, obligatoirement. L'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 nullit\u00e9 de votre nouveau contrat et le refus d'indemnisation en cas de sinistre.\"}},\n    {\"@type\": \"Question\", \"name\": \"Que faire si tous les assureurs standards me refusent ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"C'est exactement notre sp\u00e9cialit\u00e9. Nous avons acc\u00e8s au march\u00e9 sous-standard. Si aucun assureur priv\u00e9 n'accepte, le Plan de r\u00e9partition des risques (Facility Association) est une couverture de dernier recours garantie par l'industrie qu\u00e9b\u00e9coise.\"}},\n    {\"@type\": \"Question\", \"name\": \"Comment restaurer mon dossier d'assurance apr\u00e8s une r\u00e9siliation ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Maintenez votre nouvelle police en vigueur sans interruption pendant 24 \u00e0 36 mois, 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 assureurs standards pour r\u00e9duire significativement votre prime.\"}},\n    {\"@type\": \"Question\", \"name\": \"Puis-je obtenir une assurance auto le jour m\u00eame ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui. Lorsque votre dossier sous-standard est accept\u00e9 et le paiement confirm\u00e9, nous \u00e9mettons l'attestation d'assurance la m\u00eame journ\u00e9e par courriel.\"}},\n    {\"@type\": \"Question\", \"name\": \"Une r\u00e9siliation d'un conducteur du foyer affecte-t-elle ma police ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui, les assureurs \u00e9valuent tous les conducteurs occasionnels de votre foyer. Si votre conjoint 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.\"}}\n  ]\n}\n<\/script>\n\n<div style=\"background:#f0fdfa;border:1px solid #10c4c7;border-radius:12px;padding:28px;margin:32px 0;\">\n  <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 16px;\">Why trust Assur360?<\/h3>\n  <div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:12px;\">\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>AMF<\/strong> certified firm<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>ChAD<\/strong> Member<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>100,000+<\/strong> submissions processed<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>30+ years<\/strong> in hard risks<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>Independent<\/strong> broker<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>100% confidential<\/strong> service<\/span><\/div>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">FREE QUOTE \u2014 3 MIN<\/p>\n  <h3 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\">Termination is not the end. It&#8217;s a new beginning. <\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Get up to 5 quotes from substandard insurers in 24 hours. No obligation, 100% confidential. <\/p>\n  <a href=\"https:\/\/www.assur360.ca\/en\/substandard-car-insurance-quote\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;margin-right:12px;\">Get My Quote<\/a>\n  <a href=\"tel:+18663574451\" style=\"background:transparent;color:#ffffff;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;border:2px solid #ffffff;\">1-866-357-4451<\/a>\n<\/div>\n\n<script type=\"application\/ld+json\">{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"BreadcrumbList\",\n  \"itemListElement\": [\n    {\"@type\": \"ListItem\", \"position\": 1, \"name\": \"Accueil\", \"item\": \"https:\/\/www.assur360.ca\/\"},\n    {\"@type\": \"ListItem\", \"position\": 2, \"name\": \"Assurance auto\", \"item\": \"https:\/\/www.assur360.ca\/assurance-auto\/\"},\n    {\"@type\": \"ListItem\", \"position\": 3, \"name\": \"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>Has your insurer just cancelled your car insurance policy ? Don&#8217;t panic: a cancellation, even for non-payment, false declarations or multiple claims, [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":46357,"parent":15548,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_robots_primary_cat":"","_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.   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