{"id":19835,"date":"2025-05-07T15:16:35","date_gmt":"2025-05-07T19:16:35","guid":{"rendered":"https:\/\/www.assur360.ca\/business-insurance-3-minute-quote\/car-dealership-insurance-compare-coverage\/"},"modified":"2026-04-19T21:24:29","modified_gmt":"2026-04-20T01:24:29","slug":"car-dealership-insurance-compare-coverage","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/car-dealership-insurance-compare-coverage\/","title":{"rendered":"Dealership Insurance \u2014 2026 Premium, Lot, Test Drive"},"content":{"rendered":"\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);padding:60px 28px;border-radius:12px;color:#fff;text-align:center;margin-bottom:32px\">\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_83 ez-toc-wrap-center counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">sommaire interactif<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #5b5b5b;color:#5b5b5b\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #5b5b5b;color:#5b5b5b\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-1'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/car-dealership-insurance-compare-coverage\/#2026-Quebec-Car-Dealership-Insurance-%E2%80%94-Lot-Test-RC\" >2026 Quebec Car Dealership Insurance \u2014 Lot, Test, RC<\/a><ul class='ez-toc-list-level-2' ><li class='ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/car-dealership-insurance-compare-coverage\/#Risks-specific-to-your-car-dealership\" >Risks specific to your car dealership<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/car-dealership-insurance-compare-coverage\/#Essential-Protections-to-Include\" >Essential Protections to Include<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/car-dealership-insurance-compare-coverage\/#Premium-2026-%E2%80%94-indicative-table\" >Premium 2026 \u2014 indicative table<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/car-dealership-insurance-compare-coverage\/#Tips-for-lowering-your-premium\" >Tips for lowering your premium<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/car-dealership-insurance-compare-coverage\/#Frequently-Asked-Questions-%E2%80%94-Car-Dealership-Insurance\" >Frequently Asked Questions \u2014 Car Dealership Insurance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/car-dealership-insurance-compare-coverage\/#Helpful-Resources\" >Helpful Resources<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/car-dealership-insurance-compare-coverage\/#Ready-to-protect-your-car-dealership\" >Ready to protect your car dealership?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h1 style=\"color:#fff;font-size:2.1em;margin:0 0 16px;font-family:Sora,sans-serif\"><span class=\"ez-toc-section\" id=\"2026-Quebec-Car-Dealership-Insurance-%E2%80%94-Lot-Test-RC\"><\/span>2026 Quebec Car Dealership Insurance \u2014 Lot, Test, RC<span class=\"ez-toc-section-end\"><\/span><\/h1>\n<p style=\"color:#cbd5e1;font-size:1.15em;max-width:780px;margin:0 auto 24px;line-height:1.6\">Independent Broker AMF \u2014 15+ insurers compared. Affordable premium, coverage tailored to the specific risks of your industry. <\/p>\n<a href=\"https:\/\/www.assur360.ca\/en\/online-business-insurance-quote\/\" style=\"display:inline-block;background:#10c4c7;color:#fff;padding:14px 32px;border-radius:8px;text-decoration:none;font-weight:600;font-size:1.05em\">Free quote in 3 minutes<\/a>\n<div style=\"margin-top:16px;color:#94a3b8\">or call <a href=\"tel:+18663574451\" style=\"color:#10c4c7;font-weight:600\">1-866-357-4451<\/a><\/div>\n<\/div>\n\n<p class=\"wp-block-paragraph\">A car dealership in Quebec requires a <strong>Garage Policy<\/strong> \u2014 a highly specialized commercial policy. It covers both the vehicles in the lot (new and used), <strong>customer test drives<\/strong>, damage in the mechanical workshop, and the special liability related to the sale\/rental of vehicles. <\/p>\n\n<p class=\"wp-block-paragraph\">Garage Policy Quebec includes: <strong>lot coverage<\/strong> (based on average inventory), dealer plates, RC test drives, RC products and services, workshop and lifting, equipment breakdown. Variable premium depending on volume: <strong>$6,000 to $45,000\/year<\/strong> for SME dealers. <\/p>\n\n<div style=\"background:#f8fafc;padding:28px 20px;border-radius:12px;margin:32px 0;display:grid;grid-template-columns:repeat(4,1fr);gap:16px\">\n<div style=\"text-align:center\">\n<div style=\"font-size:2em;font-weight:700;color:#10c4c7;line-height:1\">$6K+<\/div>\n<div style=\"color:#64748b;font-size:0.9em;margin-top:4px\">concession premium. SME <\/div>\n<\/div><div style=\"text-align:center\">\n<div style=\"font-size:2em;font-weight:700;color:#10c4c7;line-height:1\">25-100<\/div>\n<div style=\"color:#64748b;font-size:0.9em;margin-top:4px\">Vehicles in bundles<\/div>\n<\/div><div style=\"text-align:center\">\n<div style=\"font-size:2em;font-weight:700;color:#10c4c7;line-height:1\">Garage<\/div>\n<div style=\"color:#64748b;font-size:0.9em;margin-top:4px\">Mandatory Policy<\/div>\n<\/div><div style=\"text-align:center\">\n<div style=\"font-size:2em;font-weight:700;color:#10c4c7;line-height:1\">$5-10M<\/div>\n<div style=\"color:#64748b;font-size:0.9em;margin-top:4px\">Typical RC<\/div>\n<\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Risks-specific-to-your-car-dealership\"><\/span>Risks specific to your car dealership<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:20px;margin:24px 0 40px\">\n<div style=\"background:#fff;border-top:4px solid #10c4c7;padding:24px;border-radius:8px;box-shadow:0 2px 8px rgba(0,0,0,0.05)\">\n<h3 style=\"color:#0d1f2d;margin:0 0 12px;font-size:1.15em\">Customer test drives<\/h3>\n<p style=\"color:#334155;margin:0;line-height:1.6\">Customer who destroys a new VW ID.4 during a test drive: $55,000 in damage. The Garage Policy covers, but a high deductible ($1,000-5,000). <strong>License + proof of insurance<\/strong> from each essential tester. <\/p>\n<\/div><div style=\"background:#fff;border-top:4px solid #10c4c7;padding:24px;border-radius:8px;box-shadow:0 2px 8px rgba(0,0,0,0.05)\">\n<h3 style=\"color:#0d1f2d;margin:0 0 12px;font-size:1.15em\">Theft of the lot<\/h3>\n<p style=\"color:#334155;margin:0;line-height:1.6\">Night theft of vehicles on the lot: very frequent (Jeep Wrangler, Ford F-150, Honda CR-V). Fence, lighting, cameras, OEM immobilizers recommended \u2014 10-20% discount. <\/p>\n<\/div><div style=\"background:#fff;border-top:4px solid #10c4c7;padding:24px;border-radius:8px;box-shadow:0 2px 8px rgba(0,0,0,0.05)\">\n<h3 style=\"color:#0d1f2d;margin:0 0 12px;font-size:1.15em\">Product &#038; Service Liability<\/h3>\n<p style=\"color:#334155;margin:0;line-height:1.6\">Car sold with defect \u2192 accident \u2192 chase. Mechanical service that misses a brake repair \u2192 collision. <strong>RC $5-10 million<\/strong> minimum, separate work-comp endorsement. <\/p>\n<\/div><div style=\"background:#fff;border-top:4px solid #10c4c7;padding:24px;border-radius:8px;box-shadow:0 2px 8px rgba(0,0,0,0.05)\">\n<h3 style=\"color:#0d1f2d;margin:0 0 12px;font-size:1.15em\">Workshop pollution<\/h3>\n<p style=\"color:#334155;margin:0;line-height:1.6\">Used oils, fluids, solvents: spill covered only with <strong>sudden pollution &#038; accidental<\/strong> endorsement (or expanded CGL). Mandatory in modern Garage Policy. <\/p>\n<\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Essential-Protections-to-Include\"><\/span>Essential Protections to Include<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:16px;margin:20px 0 36px\">\n<div style=\"background:#f8fafc;padding:20px;border-radius:8px;border-left:4px solid #10c4c7\">\n<h4 style=\"color:#0d1f2d;margin:0 0 8px;font-size:1.05em\">Coverage lot (Dealer&#8217;s Open Lot)<\/h4>\n<p style=\"color:#475569;margin:0;font-size:0.95em;line-height:1.5\">New and used vehicles in inventory, total value.<\/p>\n<\/div><div style=\"background:#f8fafc;padding:20px;border-radius:8px;border-left:4px solid #10c4c7\">\n<h4 style=\"color:#0d1f2d;margin:0 0 8px;font-size:1.05em\">Dealer Plates<\/h4>\n<p style=\"color:#475569;margin:0;font-size:0.95em;line-height:1.5\">Demo vehicles, conveying, delivery.<\/p>\n<\/div><div style=\"background:#f8fafc;padding:20px;border-radius:8px;border-left:4px solid #10c4c7\">\n<h4 style=\"color:#0d1f2d;margin:0 0 8px;font-size:1.05em\">RC test vehicles<\/h4>\n<p style=\"color:#475569;margin:0;font-size:0.95em;line-height:1.5\">Coverage for customers who drive on test drives.<\/p>\n<\/div><div style=\"background:#f8fafc;padding:20px;border-radius:8px;border-left:4px solid #10c4c7\">\n<h4 style=\"color:#0d1f2d;margin:0 0 8px;font-size:1.05em\">Garage Keepers<\/h4>\n<p style=\"color:#475569;margin:0;font-size:0.95em;line-height:1.5\">Customer vehicles in mechanical workshops.<\/p>\n<\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border:2px solid #10c4c7;padding:32px 24px;border-radius:12px;text-align:center;color:#fff;margin:36px 0\">\n<h3 style=\"color:#fff;margin:0 0 12px;font-size:1.4em\">Get your personalized car dealership quote<\/h3>\n<p style=\"color:#cbd5e1;margin:0 0 20px\">Compare up to 3 specialist insurers \u2013 free and without obligation<\/p>\n<a href=\"https:\/\/www.assur360.ca\/en\/online-business-insurance-quote\/\" style=\"display:inline-block;background:#10c4c7;color:#fff;padding:14px 32px;border-radius:8px;text-decoration:none;font-weight:600\">Start my quote<\/a>\n<div style=\"margin-top:12px\"><a href=\"tel:+18663574451\" style=\"color:#fff\">\u260e 1-866-357-4451<\/a><\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Premium-2026-%E2%80%94-indicative-table\"><\/span>Premium 2026 \u2014 indicative table<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"overflow-x:auto;margin:20px 0\">\n<table style=\"width:100%;border-collapse:collapse;background:#fff;border-radius:8px;overflow:hidden;box-shadow:0 2px 8px rgba(0,0,0,0.05)\">\n<thead style=\"background:#0d1f2d;color:#fff\"><tr><th style=\"padding:14px;text-align:left\">Profile<\/th><th style=\"padding:14px;text-align:left\">Volume \/ Detail<\/th><th style=\"padding:14px;text-align:left\">Annual Bonus<\/th><\/tr><\/thead>\n<tbody><tr><td style=\"padding:12px;border-bottom:1px solid #e2e8f0\">Motorcycle\/ATV\/Small<\/td><td style=\"padding:12px;border-bottom:1px solid #e2e8f0;color:#64748b\">Volume &lt;3 M$\/an{{{wpml_tag_18}}}{{{wpml_tag_19}}}6 000 $ \u2013 14 000 ${{{wpml_tag_20}}}{{{wpml_tag_21}}}{{{wpml_tag_22}}}{{{wpml_tag_23}}}Concessionnaire usag\u00e9 ind\u00e9pendant{{{wpml_tag_24}}}{{{wpml_tag_25}}}Volume 3-8 M$\/an{{{wpml_tag_26}}}{{{wpml_tag_27}}}12 000 $ \u2013 22 000 ${{{wpml_tag_28}}}{{{wpml_tag_29}}}{{{wpml_tag_30}}}{{{wpml_tag_31}}}Concession franchis\u00e9e (Toyota, Honda\u2026){{{wpml_tag_32}}}{{{wpml_tag_33}}}Volume 15-40 M$\/an{{{wpml_tag_34}}}{{{wpml_tag_35}}}22 000 $ \u2013 38 000 ${{{wpml_tag_36}}}{{{wpml_tag_37}}}{{{wpml_tag_38}}}{{{wpml_tag_39}}}Grande concession + atelier + pi\u00e8ces{{{wpml_tag_40}}}{{{wpml_tag_41}}}Volume >Dealership $40 million\/year<\/td><td style=\"padding:12px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#10c4c7\">$36,000 \u2013 $60,000<\/td><\/tr><\/tbody>\n<\/table>\n<\/div>\n\n<p class=\"wp-block-paragraph\"><em>The amounts are indicative. Your actual premium depends on your claims history, location, security systems, and coverage chosen. <\/em><\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Tips-for-lowering-your-premium\"><\/span>Tips for lowering your premium<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<ul style=\"background:#f0fdfa;padding:24px 28px 24px 44px;border-radius:12px;color:#0d1f2d;margin:20px 0 36px\">\n<li style=\"margin-bottom:10px;line-height:1.6\"><strong>Daily Inventory System<\/strong> (VIN scanning): Needed to check thefts + claims.<\/li><li style=\"margin-bottom:10px;line-height:1.6\"><strong>Test drive protocol<\/strong> : photocopy of license + customer insurance + seller accompaniment if vehicle >$40K.<\/li><li style=\"margin-bottom:10px;line-height:1.6\"><strong>Environmental plan<\/strong> (OCME, obvious used oil): avoids exclusion of pollution.<\/li><li style=\"margin-bottom:10px;line-height:1.6\"><strong>CNESST workshop training<\/strong> : reduces employee bonuses and claims.<\/li>\n<\/ul>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently-Asked-Questions-%E2%80%94-Car-Dealership-Insurance\"><\/span>Frequently Asked Questions \u2014 Car Dealership Insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<details class=\"is-layout-flow wp-block-details-is-layout-flow\" style=\"background:#fff;border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px\"><summary style=\"padding:16px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;background:#f8fafc;border-radius:8px\">How much does car dealer insurance cost in Quebec in 2026?<\/summary><div style=\"padding:16px 20px;color:#475569;line-height:1.65\">Prime moyenne : <strong>6 000 $ \u00e0 60 000 $\/an<\/strong> selon la taille, le volume de ventes, l&#8217;emplacement et votre historique de sinistres. Les tarifs 2026 refl\u00e8tent la hausse du co\u00fbt des mat\u00e9riaux et pi\u00e8ces.<\/div><\/details><details class=\"is-layout-flow wp-block-details-is-layout-flow\" style=\"background:#fff;border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px\"><summary style=\"padding:16px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;background:#f8fafc;border-radius:8px\">What protections are essential for a car dealership?<\/summary><div style=\"padding:16px 20px;color:#475569;line-height:1.65\">Minimum : <strong>RC commerciale (2-5 M$)<\/strong>, b\u00e2timent\/contenu (valeur \u00e0 neuf), \u00e9quipement, pertes d&#8217;exploitation. Les avenants sp\u00e9cifiques \u00e0 votre industrie (Coverage lot (Dealer&#8217;s Open Lot), Plaques marchand (Dealer Plates)) sont souvent cruciaux.<\/div><\/details><details class=\"is-layout-flow wp-block-details-is-layout-flow\" style=\"background:#fff;border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px\"><summary style=\"padding:16px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;background:#f8fafc;border-radius:8px\">Is the CNESST included?<\/summary><div style=\"padding:16px 20px;color:#475569;line-height:1.65\">Non. La CNESST est une <strong>cotisation obligatoire<\/strong> g\u00e9r\u00e9e s\u00e9par\u00e9ment par l&#8217;employeur. L&#8217;assurance commerciale compl\u00e8te la CNESST pour les poursuites civiles RC hors travail (clients, tiers).<\/div><\/details><details class=\"is-layout-flow wp-block-details-is-layout-flow\" style=\"background:#fff;border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px\"><summary style=\"padding:16px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;background:#f8fafc;border-radius:8px\">Do I have to declare all my income exactly?<\/summary><div style=\"padding:16px 20px;color:#475569;line-height:1.65\">Oui. Une <strong>sous-d\u00e9claration<\/strong> peut entra\u00eener une p\u00e9nalit\u00e9 proportionnelle (<em>r\u00e8gle proportionnelle<\/em>) en cas de sinistre : si vous avez d\u00e9clar\u00e9 400 k$ mais faites 800 k$ r\u00e9els, vous recevez <strong>50 % de l&#8217;indemnisation<\/strong> due.<\/div><\/details><details class=\"is-layout-flow wp-block-details-is-layout-flow\" style=\"background:#fff;border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px\"><summary style=\"padding:16px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;background:#f8fafc;border-radius:8px\">Are my subcontractors covered by my policy?<\/summary><div style=\"padding:16px 20px;color:#475569;line-height:1.65\"><strong>Non<\/strong>. Chaque sous-traitant doit avoir sa propre RC. Demandez toujours <strong>certificat d&#8217;assurance<\/strong> et ajoutez-vous comme <em>additional insured<\/em> sur leur police. Sinon, vous restez responsable des dommages qu&#8217;ils causent.<\/div><\/details><details class=\"is-layout-flow wp-block-details-is-layout-flow\" style=\"background:#fff;border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px\"><summary style=\"padding:16px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;background:#f8fafc;border-radius:8px\">What is a replacement cost vs depreciated value?<\/summary><div style=\"padding:16px 20px;color:#475569;line-height:1.65\"><strong>Valeur \u00e0 neuf<\/strong> : vous \u00eates rembours\u00e9 du prix actuel d&#8217;un \u00e9quipement neuf \u00e9quivalent. <strong>Valeur d\u00e9pr\u00e9ci\u00e9e<\/strong> : montant r\u00e9duit de l&#8217;usure (ex : frigo 10 ans = 30 % de sa valeur neuf). Valeur \u00e0 neuf est recommand\u00e9e \u2014 co\u00fbt suppl\u00e9mentaire 10-15 %.<\/div><\/details><details class=\"is-layout-flow wp-block-details-is-layout-flow\" style=\"background:#fff;border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px\"><summary style=\"padding:16px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;background:#f8fafc;border-radius:8px\">Can I insure my commercial vehicles with the same policy?<\/summary><div style=\"padding:16px 20px;color:#475569;line-height:1.65\">Souvent oui, mais parfois plus avantageux de <strong>s\u00e9parer<\/strong> : police flotte commerciale distincte. Nous comparons les deux sc\u00e9narios pour choisir le plus \u00e9conomique.<\/div><\/details><details class=\"is-layout-flow wp-block-details-is-layout-flow\" style=\"background:#fff;border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px\"><summary style=\"padding:16px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;background:#f8fafc;border-radius:8px\">How long does it take to be compensated after a claim?<\/summary><div style=\"padding:16px 20px;color:#475569;line-height:1.65\">Avec <strong>inventaire \u00e0 jour + photos + documents financiers<\/strong> : r\u00e8glement en 4-8 semaines. Sans preuves : peut tra\u00eener 4-12 mois. C&#8217;est pourquoi nous recommandons un inventaire num\u00e9rique sauvegard\u00e9 hors site.<\/div><\/details><details class=\"is-layout-flow wp-block-details-is-layout-flow\" style=\"background:#fff;border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px\"><summary style=\"padding:16px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;background:#f8fafc;border-radius:8px\">What should I do if my insurer refuses to renew it?<\/summary><div style=\"padding:16px 20px;color:#475569;line-height:1.65\">Causes courantes : sinistres \u00e0 r\u00e9p\u00e9tition, changement d&#8217;activit\u00e9, d\u00e9m\u00e9nagement. Assur360 a acc\u00e8s \u00e0 15+ assureurs (dont 3-4 sp\u00e9cialis\u00e9s en risques difficiles). Nous trouvons g\u00e9n\u00e9ralement une solution dans 90 % des cas \u2014 appelez le 1-866-357-4451.<\/div><\/details><details class=\"is-layout-flow wp-block-details-is-layout-flow\" style=\"background:#fff;border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px\"><summary style=\"padding:16px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;background:#f8fafc;border-radius:8px\">How do I get my car dealership quote?<\/summary><div style=\"padding:16px 20px;color:#475569;line-height:1.65\">Remplissez notre <a href=\"https:\/\/www.assur360.ca\/soumission-assurance-entreprise-en-ligne\/\" style=\"color:#10c4c7;font-weight:600\">formulaire 3 minutes<\/a> avec vos revenus annuels, superficie, nombre d&#8217;employ\u00e9s, et couvertures actuelles. Vous recevez jusqu&#8217;\u00e0 3 soumissions compar\u00e9es sous 24-48 h ouvrables. Gratuit, sans engagement. \u260e 1-866-357-4451.<\/div><\/details>\n<div style=\"background:#f0fdfa;padding:32px 24px;border-radius:12px;margin:40px 0\">\n<h3 style=\"color:#0d1f2d;margin:0 0 16px\">Why choose Assur360<\/h3>\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:16px\">\n<div><strong style=\"color:#10c4c7\">\u2713 AMF &#038; ChAD<\/strong><br \/><span style=\"color:#475569;font-size:0.95em\">Accredited and certified firm<\/span><\/div>\n<div><strong style=\"color:#10c4c7\">\u2713 15+ insurers compared<\/strong><br \/><span style=\"color:#475569;font-size:0.95em\">Intact, Desjardins, Beneva, Aviva, Economical, Belair&#8230;<\/span><\/div>\n<div><strong style=\"color:#10c4c7\">\u2713 100,000+ Quebecers served<\/strong><br \/><span style=\"color:#475569;font-size:0.95em\">Since 2008<\/span><\/div>\n<div><strong style=\"color:#10c4c7\">\u2713 No cost, no obligation<\/strong><br \/><span style=\"color:#475569;font-size:0.95em\">Our commission is paid by the insurer<\/span><\/div>\n<\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Helpful-Resources\"><\/span>Helpful Resources<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:12px;margin:20px 0\">\n<a href=\"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/\" style=\"display:block;padding:16px;background:#f8fafc;border-radius:8px;text-decoration:none;color:#0d1f2d;border:1px solid #e2e8f0\">\u2192 Business Insurance Overview<\/a>\n<a href=\"\/assurance-responsabilite-civile-entreprise\/\" style=\"display:block;padding:16px;background:#f8fafc;border-radius:8px;text-decoration:none;color:#0d1f2d;border:1px solid #e2e8f0\">\u2192 Commercial General Liability $<\/a>\n2-5M<a href=\"\/assurance-biens-commerciaux\/\" style=\"display:block;padding:16px;background:#f8fafc;border-radius:8px;text-decoration:none;color:#0d1f2d;border:1px solid #e2e8f0\">\u2192 Commercial Properties (Building + Content)<\/a>\n<a href=\"\/assurance-cyber-risques\/\" style=\"display:block;padding:16px;background:#f8fafc;border-radius:8px;text-decoration:none;color:#0d1f2d;border:1px solid #e2e8f0\">\u2192 Cyber Risks &#038; Wire Fraud<\/a>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);padding:40px 24px;border-radius:12px;text-align:center;color:#fff;margin:40px 0 24px\">\n<h2 style=\"color:#fff;margin:0 0 12px\"><span class=\"ez-toc-section\" id=\"Ready-to-protect-your-car-dealership\"><\/span>Ready to protect your car dealership?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"color:#cbd5e1;margin:0 0 24px\">3 minutes \u2014 up to 3 quotes compared \u2014 no commitment<\/p>\n<a href=\"https:\/\/www.assur360.ca\/en\/online-business-insurance-quote\/\" style=\"display:inline-block;background:#10c4c7;color:#fff;padding:14px 32px;border-radius:8px;text-decoration:none;font-weight:600;margin:4px\">Start my quote<\/a>\n<a href=\"tel:+18663574451\" style=\"display:inline-block;background:transparent;color:#fff;padding:14px 32px;border-radius:8px;text-decoration:none;font-weight:600;border:2px solid #fff;margin:4px\">\u260e 1-866-357-4451<\/a>\n<\/div>\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"Article\",\"headline\":\"Assurance concessionnaire automobile au Qu\u00e9bec 2026 \u2014 lot, essai, RC\",\"image\":\"https:\/\/www.assur360.ca\/wp-content\/uploads\/2024\/05\/Assurance-entreprise.jpg\",\"datePublished\":\"2026-04-19\",\"dateModified\":\"2026-04-19\",\"author\":{\"@type\":\"Organization\",\"name\":\"Assur360\"},\"publisher\":{\"@type\":\"Organization\",\"name\":\"Assur360\",\"logo\":{\"@type\":\"ImageObject\",\"url\":\"https:\/\/www.assur360.ca\/wp-content\/uploads\/2024\/05\/logo.png\"}}}\n<\/script>\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"BreadcrumbList\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\/\/www.assur360.ca\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Assurance entreprise\",\"item\":\"https:\/\/www.assur360.ca\/assurance-entreprise\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Concessionnaire automobile\",\"item\":\"https:\/\/www.assur360.ca\/assurance-entreprise\/concessionnaire-automobile\/\"}]}\n<\/script>\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"InsuranceAgency\",\"name\":\"Assur360\",\"telephone\":\"+1-866-357-4451\",\"url\":\"https:\/\/www.assur360.ca\/assurance-entreprise\/concessionnaire-automobile\/\",\"areaServed\":{\"@type\":\"State\",\"name\":\"Qu\u00e9bec\"},\"hasOfferCatalog\":{\"@type\":\"OfferCatalog\",\"name\":\"Assurance Concessionnaire automobile\",\"itemListElement\":[{\"@type\":\"Offer\",\"itemOffered\":{\"@type\":\"Service\",\"name\":\"Assurance concessionnaire automobile Qu\u00e9bec\"}}]}}\n<\/script>\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Combien co\u00fbte une assurance concessionnaire automobile au Qu\u00e9bec en 2026 ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Prime moyenne : 6 000 $ \u00e0 60 000 $\/an selon la taille, le volume de ventes, l'emplacement et votre historique de sinistres. 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Sinon, vous restez responsable des dommages qu'ils causent.\"}},{\"@type\":\"Question\",\"name\":\"Qu'est-ce qu'une valeur \u00e0 neuf vs valeur d\u00e9pr\u00e9ci\u00e9e ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Valeur \u00e0 neuf : vous \u00eates rembours\u00e9 du prix actuel d'un \u00e9quipement neuf \u00e9quivalent. Valeur d\u00e9pr\u00e9ci\u00e9e : montant r\u00e9duit de l'usure (ex : frigo 10 ans = 30 % de sa valeur neuf). Valeur \u00e0 neuf est recommand\u00e9e \u2014 co\u00fbt suppl\u00e9mentaire 10-15 %.\"}},{\"@type\":\"Question\",\"name\":\"Puis-je assurer mes v\u00e9hicules commerciaux avec la m\u00eame police ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Souvent oui, mais parfois plus avantageux de s\u00e9parer : police flotte commerciale distincte. 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