{"id":58675,"date":"2026-04-21T14:58:40","date_gmt":"2026-04-21T18:58:40","guid":{"rendered":"https:\/\/www.assur360.ca\/assur360-simulators-free-tools-for-your-financial-decisions\/q-p-f-decision-tree-no-5-which-replacement-protection-to-choose-in-2026\/"},"modified":"2026-04-23T18:16:10","modified_gmt":"2026-04-23T22:16:10","slug":"q-p-f-decision-tree-no-5-which-replacement-protection-to-choose-in-2026","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/assur360-simulators-free-tools-for-your-financial-decisions\/q-p-f-decision-tree-no-5-which-replacement-protection-to-choose-in-2026\/","title":{"rendered":"Q.P.F. Decision Tree No. 5: Which Replacement Protection to Choose in 2026"},"content":{"rendered":"\n<style>#ez-toc-container{display:none!important}\n.fpq-wrap *{box-sizing:border-box}\n.fpq-wrap{font-family:'DM Sans',system-ui,sans-serif;background:#ffffff;border:1px solid #e2e8f0;border-radius:16px;margin:32px 0;overflow:hidden;box-shadow:0 20px 60px -20px rgba(13,31,45,.15)}\n.fpq-head{background:linear-gradient(135deg,#0d1f2d,#1a3a4a);padding:32px;color:#fff;text-align:center}\n.fpq-head h3{color:#fff;font-size:26px;margin:0 0 8px;font-weight:800}\n.fpq-head p{color:#94a3b8;margin:0;font-size:15px}\n.fpq-progress{background:rgba(255,255,255,.08);height:4px;margin-top:20px;border-radius:3px;overflow:hidden}\n.fpq-progress-bar{background:#10c4c7;height:100%;width:0;transition:width .4s ease}\n.fpq-progress-txt{color:#94a3b8;font-size:12px;text-transform:uppercase;letter-spacing:1.5px;margin-top:10px;font-weight:700}\n.fpq-body{padding:32px;background:#f8fafc;min-height:360px}\n.fpq-step{display:none}\n.fpq-step.active{display:block}\n.fpq-q{color:#0d1f2d;font-size:20px;font-weight:800;margin:0 0 8px;text-align:center}\n.fpq-sub{color:#64748b;font-size:14px;text-align:center;margin:0 0 28px}\n.fpq-choices{display:grid;gap:14px}\n.fpq-choice{background:#ffffff;border:2px solid #e2e8f0;border-radius:12px;padding:20px;cursor:pointer;text-align:left;transition:all .15s;display:flex;gap:16px;align-items:flex-start;width:100%;font-family:inherit}\n.fpq-choice:hover{border-color:#10c4c7;background:#f0fdfa;transform:translateY(-1px);box-shadow:0 6px 16px -8px rgba(16,196,199,.4)}\n.fpq-choice .ico{font-size:28px;flex-shrink:0;line-height:1}\n.fpq-choice .tit{color:#0d1f2d;font-size:15px;font-weight:700;margin:0 0 4px}\n.fpq-choice .des{color:#64748b;font-size:13px;margin:0;line-height:1.5}\n.fpq-result{padding:32px;background:linear-gradient(135deg,#0d1f2d,#1a3a4a);color:#fff;display:none}\n.fpq-result.show{display:block}\n.fpq-restart{background:transparent;color:#10c4c7;padding:12px 24px;border:2px solid #10c4c7;border-radius:8px;font-weight:700;font-size:14px;cursor:pointer;margin-top:20px;font-family:inherit}\n.fpq-restart:hover{background:#10c4c7;color:#0d1f2d}\n@media(max-width:768px){.fpq-head h3{font-size:20px}.fpq-body{padding:22px}.fpq-q{font-size:17px}.fpq-choice{padding:16px}.fpq-choice .ico{font-size:22px}}\n<\/style><div class=\"fpq-wrap\" id=\"fpq\"><div class=\"fpq-head\"><h3>Arbre de d\u00e9cision F.P.Q. n\u00b05 \u2014 Protection de remplacement<\/h3><p>6 questions pour savoir quel avenant choisir (5a, 5b, 5c ou garantie de remplacement).<\/p><div class=\"fpq-progress\"><div class=\"fpq-progress-bar\" id=\"fpq_progress_bar\"><\/div><\/div><div class=\"fpq-progress-txt\" id=\"fpq_progress_txt\">\u00c9tape 1 sur 6<\/div><\/div><div class=\"fpq-body\"><div class=\"fpq-step\" id=\"fpq_step_1\"><h4 class=\"fpq-q\">Quel est le type de v\u00e9hicule ?<\/h4><p class=\"fpq-sub\">Choisissez l&#8217;\u00e9tat du v\u00e9hicule au moment de l&#8217;achat.<\/p><div class=\"fpq-choices\"><button class=\"fpq-choice\" data-answer=\"type=neuf\"><span class=\"ico\">\ud83c\udd95<\/span><div><div class=\"tit\">Neuf (z\u00e9ro km, concessionnaire)<\/div><div class=\"des\">Achet\u00e9 ou lou\u00e9 directement du concessionnaire, sortie d&#8217;usine, d\u00e9mo r\u00e9cent avec moins de 5 000 km.<\/div><\/div><\/button><button class=\"fpq-choice\" data-answer=\"type=usage_recent\"><span class=\"ico\">\ud83d\udd01<\/span><div><div class=\"tit\">Usag\u00e9 r\u00e9cent (moins de 5 ans)<\/div><div class=\"des\">Achat d&#8217;occasion d&#8217;un v\u00e9hicule de 1 \u00e0 5 ans, encore sous garantie du fabricant.<\/div><\/div><\/button><button class=\"fpq-choice\" data-answer=\"type=usage_vieux\"><span class=\"ico\">\ud83d\udcc5<\/span><div><div class=\"tit\">Usag\u00e9 plus vieux (6 ans et plus)<\/div><div class=\"des\">V\u00e9hicule plus \u00e2g\u00e9 \u2014 la plupart des assureurs n&#8217;offrent plus F.P.Q. 5 \u00e0 cet \u00e2ge.<\/div><\/div><\/button><button class=\"fpq-choice\" data-answer=\"type=collection\"><span class=\"ico\">\ud83d\udc8e<\/span><div><div class=\"tit\">Collection, antique, luxe ou modifi\u00e9<\/div><div class=\"des\">V\u00e9hicule sp\u00e9cialis\u00e9 dont la valeur ne suit pas la d\u00e9pr\u00e9ciation normale \u2014 Ferrari, Porsche classique, Mustang &#8217;67, etc.<\/div><\/div><\/button><\/div><\/div><div class=\"fpq-step\" id=\"fpq_step_2\"><h4 class=\"fpq-q\">Quelle fourchette de prix d&#8217;achat ?<\/h4><p class=\"fpq-sub\">Pour estimer les limites d&#8217;assurabilit\u00e9.<\/p><div class=\"fpq-choices\"><button class=\"fpq-choice\" data-answer=\"prix=moins40\"><span class=\"ico\">\ud83d\udcb5<\/span><div><div class=\"tit\">Moins de 40 000 $<\/div><div class=\"des\">V\u00e9hicule compact, berline ou VUS d&#8217;entr\u00e9e de gamme.<\/div><\/div><\/button><button class=\"fpq-choice\" data-answer=\"prix=40a80\"><span class=\"ico\">\ud83d\udcb0<\/span><div><div class=\"tit\">40 000 $ \u00e0 80 000 $<\/div><div class=\"des\">VUS milieu-haut de gamme, camion pleine grandeur, berline premium.<\/div><\/div><\/button><button class=\"fpq-choice\" data-answer=\"prix=plus80\"><span class=\"ico\">\ud83d\udc8e<\/span><div><div class=\"tit\">Plus de 80 000 $<\/div><div class=\"des\">V\u00e9hicule de luxe \u2014 v\u00e9rifiez les plafonds et franchises applicables aupr\u00e8s de votre courtier.<\/div><\/div><\/button><\/div><\/div><div class=\"fpq-step\" id=\"fpq_step_3\"><h4 class=\"fpq-q\">Combien de temps pr\u00e9voyez-vous le garder ?<\/h4><p class=\"fpq-sub\">Cela d\u00e9termine la dur\u00e9e optimale de la protection.<\/p><div class=\"fpq-choices\"><button class=\"fpq-choice\" data-answer=\"duree=court\"><span class=\"ico\">\u23f1<\/span><div><div class=\"tit\">Moins de 3 ans<\/div><div class=\"des\">Location 36 mois ou volont\u00e9 de changer rapidement \u2014 option 24 mois suffit.<\/div><\/div><\/button><button class=\"fpq-choice\" data-answer=\"duree=moyen\"><span class=\"ico\">\ud83d\udcc6<\/span><div><div class=\"tit\">3 \u00e0 5 ans<\/div><div class=\"des\">Dur\u00e9e moyenne des Qu\u00e9b\u00e9cois \u2014 l&#8217;option 48 mois est le meilleur compromis.<\/div><\/div><\/button><button class=\"fpq-choice\" data-answer=\"duree=long\"><span class=\"ico\">\ud83d\udd50<\/span><div><div class=\"tit\">5 ans et plus<\/div><div class=\"des\">V\u00e9hicule que vous conservez longtemps \u2014 option 60 mois recommand\u00e9e pour du neuf.<\/div><\/div><\/button><\/div><\/div><div class=\"fpq-step\" id=\"fpq_step_4\"><h4 class=\"fpq-q\">Quel est le type de mod\u00e8le ?<\/h4><p class=\"fpq-sub\">Certains mod\u00e8les se d\u00e9pr\u00e9cient diff\u00e9remment.<\/p><div class=\"fpq-choices\"><button class=\"fpq-choice\" data-answer=\"modele=courant\"><span class=\"ico\">\ud83d\ude97<\/span><div><div class=\"tit\">Mod\u00e8le grand public<\/div><div class=\"des\">Toyota, Honda, Hyundai, Ford, Chevrolet, Kia, Nissan, Mazda \u2014 d\u00e9pr\u00e9ciation normale.<\/div><\/div><\/button><button class=\"fpq-choice\" data-answer=\"modele=electrique\"><span class=\"ico\">\u26a1<\/span><div><div class=\"tit\">V\u00e9hicule \u00e9lectrique ou hybride rechargeable<\/div><div class=\"des\">Tesla, Ioniq, EV6, Mach-E, Bolt \u2014 d\u00e9pr\u00e9ciation souvent plus rapide que la moyenne.<\/div><\/div><\/button><button class=\"fpq-choice\" data-answer=\"modele=luxe\"><span class=\"ico\">\ud83c\udfce<\/span><div><div class=\"tit\">Marque premium ou de performance<\/div><div class=\"des\">BMW, Mercedes, Audi, Lexus, Porsche, Jaguar, Land Rover \u2014 d\u00e9pr\u00e9ciation acc\u00e9l\u00e9r\u00e9e la 1\u02b3\u1d49 ann\u00e9e.<\/div><\/div><\/button><\/div><\/div><div class=\"fpq-step\" id=\"fpq_step_5\"><h4 class=\"fpq-q\">Le concessionnaire vous a-t-il propos\u00e9 une garantie de remplacement ?<\/h4><p class=\"fpq-sub\">GARE, Guardian, SecuriKey, AssurExperts, Programme Or, etc. \u2014 payable une seule fois \u00e0 l&#8217;achat.<\/p><div class=\"fpq-choices\"><button class=\"fpq-choice\" data-answer=\"concess=non\"><span class=\"ico\">\u274c<\/span><div><div class=\"tit\">Non, rien n&#8217;a \u00e9t\u00e9 offert<\/div><div class=\"des\">Vous cherchez uniquement une protection via votre police d&#8217;assurance.<\/div><\/div><\/button><button class=\"fpq-choice\" data-answer=\"concess=oui_option\"><span class=\"ico\">\ud83c\udfea<\/span><div><div class=\"tit\">Oui, offerte en option (1 500 \u00e0 3 500 $)<\/div><div class=\"des\">Vous h\u00e9sitez entre l&#8217;option concessionnaire et la F.P.Q. 5.<\/div><\/div><\/button><button class=\"fpq-choice\" data-answer=\"concess=oui_incluse\"><span class=\"ico\">\ud83d\udccb<\/span><div><div class=\"tit\">Oui, incluse dans le financement propos\u00e9<\/div><div class=\"des\">On vous l&#8217;a ajout\u00e9e au pr\u00eat \u2014 vous voulez savoir si vous pouvez la refuser et prendre F.P.Q. 5 \u00e0 la place.<\/div><\/div><\/button><\/div><\/div><div class=\"fpq-step\" id=\"fpq_step_6\"><h4 class=\"fpq-q\">Usage principal du v\u00e9hicule ?<\/h4><p class=\"fpq-sub\">Certains usages peuvent exclure ou limiter la F.P.Q. 5.<\/p><div class=\"fpq-choices\"><button class=\"fpq-choice\" data-answer=\"usage=perso\"><span class=\"ico\">\ud83d\udc68\u200d\ud83d\udc69\u200d\ud83d\udc67<\/span><div><div class=\"tit\">Usage personnel r\u00e9gulier<\/div><div class=\"des\">Maison-travail, famille, loisirs \u2014 moins de 25 000 km \/ an.<\/div><\/div><\/button><button class=\"fpq-choice\" data-answer=\"usage=perso_km\"><span class=\"ico\">\ud83d\udee3<\/span><div><div class=\"tit\">Usage personnel \u00e0 haut kilom\u00e9trage<\/div><div class=\"des\">Plus de 25 000 km \/ an \u2014 navettes longues, voyages fr\u00e9quents.<\/div><\/div><\/button><button class=\"fpq-choice\" data-answer=\"usage=commercial\"><span class=\"ico\">\ud83d\ude9a<\/span><div><div class=\"tit\">Usage commercial ou partag\u00e9<\/div><div class=\"des\">Livraison, repr\u00e9sentant, Uber\/Lyft, partage de voiture \u2014 la F.P.Q. 5 est g\u00e9n\u00e9ralement exclue.<\/div><\/div><\/button><\/div><\/div><div class=\"fpq-result\" id=\"fpq_result\"><div id=\"fpq_result_content\"><\/div><div style=\"text-align:center;\"><button class=\"fpq-restart\" data-reset=\"1\">\u21bb Recommencer<\/button><\/div><\/div><\/div><\/div>\n\n<p style=\"font-size:17px;line-height:1.8;color:#334155;\">In Quebec, the <strong>Q.P.F. No. 5<\/strong> endorsement (Quebec Policy Form) is the official mechanism to protect the value of a vehicle in the event of a total loss. There are three versions \u2014 <strong>5a, 5b and 5c<\/strong> \u2014 and each one is aimed at a different situation. Add to that the replacement warranties sold by dealers (GARE, Guardian, SecuriKey&#8230;), and it becomes difficult to know what to choose. This free guidance tool, designed by <strong>Assur360<\/strong> brokers ( <strong>AMF<\/strong> certified firm), gives you the most relevant recommendation in less than 2 minutes.   <\/p>\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;\"><div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">3<\/div><div style=\"color:#64748b;font-size:13px;\">Q.P.F. Endorsements No. 5<\/div><\/div>\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\"><div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">60 months<\/div><div style=\"color:#64748b;font-size:13px;\">Max Replacement Cost Protection<\/div><\/div>\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\"><div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">30 %<\/div><div style=\"color:#64748b;font-size:13px;\">Depreciation in the 1st year<\/div><\/div>\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;\"><div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">$120<\/div><div style=\"color:#64748b;font-size:13px;\">Premium F.P.Q. 5a typical\/year<\/div><\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Understanding-the-3-QPF-n%C2%B05-Endorsements\"><\/span>Understanding the 3 Q.P.F. n\u00b05 Endorsements<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p style=\"font-size:16px;line-height:1.8;color:#334155;\">The Q.P.F. n\u00b05 is an <strong>endorsement<\/strong>, i.e. an addition to your standard car insurance policy. It changes the way in which the insurer compensates in the event of <strong>a total loss<\/strong> (theft not recovered or damage greater than the cost of repair). The three versions \u2014 5a, 5b and 5c \u2014 are aimed at different profiles.  <\/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;\">\ud83c\udd95<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Q.P.F. 5a \u2014 Replacement Cost<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0 0 10px;\"><strong>For whom?<\/strong> <strong>New<\/strong> vehicles (0 km) purchased from a dealership. Available in 24, 48 or 60 month options depending on the insurer. <\/p>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\"><strong>What it does:<\/strong> In the event of a total loss within the period covered, the insurer will reimburse the <strong>purchase price new<\/strong> or replace it with an equivalent new vehicle from the current year.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #8b5cf6;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udc8e<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Q.P.F. 5b \u2014 Agreed Value<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0 0 10px;\"><strong>For whom?<\/strong> <strong>Collector&#8217;s, antique, modified or prestige<\/strong> vehicles whose market value does not reflect the actual value.<\/p>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\"><strong>What it does:<\/strong> You and the insurer agree in advance on a <strong>fixed value<\/strong> that will be paid in full in the event of a total loss, without discussion.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #f59e0b;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udd01<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Q.P.F. 5c \u2014 Limited depreciation<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0 0 10px;\"><strong>For whom?<\/strong> Used vehicles <strong>less than 5 years old<\/strong> at the time of purchase (the limit varies depending on the insurer).<\/p>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\"><strong>What it does:<\/strong> Instead of the market value (which is often very low), the insurer pays the <strong>cost of an equivalent vehicle<\/strong> at the time of the loss \u2014 the depreciation is &#8220;limited.&#8221;<\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Comparison-Chart-QPF-5a-vs-5b-vs-5c-vs-dealer-warranty\"><\/span>Comparison Chart: Q.P.F. 5a vs 5b vs 5c vs dealer warranty<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;min-width:760px;\">\n    <thead>\n      <tr style=\"background:#0d1f2d;color:#ffffff;\">\n        <th style=\"padding:14px 16px;text-align:left;border:none;\">Criterion<\/th>\n        <th style=\"padding:14px 16px;text-align:left;border:none;\">F.P.Q. 5a (new)<\/th>\n        <th style=\"padding:14px 16px;text-align:left;border:none;\">Q.P.F. 5b (agreed)<\/th>\n        <th style=\"padding:14px 16px;text-align:left;border:none;\">Q.P.F. 5c (used)<\/th>\n        <th style=\"padding:14px 16px;text-align:left;border:none;\">Concession Guarantee.<\/th>\n      <\/tr>\n    <\/thead>\n    <tbody>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Vehicle age<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;\">New (0 km)<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;\">All ages (collection)<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;\">Less than 5 years<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;\">New especially<\/td><\/tr>\n      <tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Duration of coverage<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;\">24, 48 or 60 months<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;\">Annual renewable<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;\">Up to 7 years (variable)<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;\">4 to 5 years typically<\/td><\/tr>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Payment Method<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:600;\">: Annual ($60-180)<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;\">Annual (variable)<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:600;\">Annual ($80-180)<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#ef4444;font-weight:600;\">One-time ($1,500-3,500)<\/td><\/tr>\n      <tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Cancellable at any time<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">\u2713 Yes<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">\u2713 Yes<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">\u2713 Yes<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#ef4444;font-weight:700;\">\u2717 Difficult (partial refund)<\/td><\/tr>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Portable on a new car?<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">\u2713 Yes (new contract)<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">\u2713 Yes<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">\u2713 Yes<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#ef4444;font-weight:700;\">\u2717 Vehicle related<\/td><\/tr>\n      <tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Replacement with new equivalent<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">\u2713 Yes<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;\">Agreed value<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">\u2713 Yes (used equivalent)<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:600;\">Yes (according to contract)<\/td><\/tr>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Loss Deductible<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">$0 (total loss)<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">$0<\/td> <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">$0 $<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#ef4444;\">500 to $1,500 often<\/td><\/tr>\n      <tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">AMF Regulated<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">\u2713 Yes<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">\u2713 Yes<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">\u2713 Yes<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#ef4444;\">Depends on the product (third party)<\/td><\/tr>\n    <\/tbody>\n  <\/table>\n<\/div>\n\n<p style=\"color:#64748b;font-size:13px;font-style:italic;text-align:center;\">*Indicative data 2026. The exact conditions vary depending on the insurer. <a href=\"https:\/\/www.assur360.ca\/en\/fast-online-car-quote\/\">Get your car quote in 3 minutes<\/a>. <\/p>\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;\">Assur360 Brokers&#8217; Advice<\/p>\n    <p style=\"color:#94a3b8;font-size:14px;margin:0;line-height:1.6;\">In <strong style=\"color:#ffffff;\">9 out of 10 cases<\/strong>, the F.P.Q. n\u00b05 via your insurance policy is <strong style=\"color:#ffffff;\">more advantageous<\/strong> than a replacement warranty sold by the dealership: annual cost instead of a single amount, cancellable at any time, portable on a new vehicle, no deductible in the event of a total loss, and regulated by the AMF. Refuse the addition to the financing and take out the Q.P.F. 5 endorsement through your broker. <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3-numerical-examples-%E2%80%94-which-protection-to-choose\"><\/span>3 numerical examples \u2014 which protection to choose?<span class=\"ez-toc-section-end\"><\/span><\/h2>\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=\"color:#10c4c7;font-size:13px;text-transform:uppercase;letter-spacing:1.5px;font-weight:700;margin-bottom:10px;\">EXAMPLE 1<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:17px;margin:0 0 12px;\">New 2026 Toyota RAV4 \u2014 $42,000<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0 0 10px;\">Quebec City family, 5-year conservation, 18,000 km\/year.<\/p>\n    <p style=\"color:#0d1f2d;font-weight:700;font-size:14px;margin:0;\">\u2192 Q.P.F. 5a 60-month option ($\u2248 $140\/year)<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #f59e0b;border-radius:12px;padding:28px;\">\n    <div style=\"color:#f59e0b;font-size:13px;text-transform:uppercase;letter-spacing:1.5px;font-weight:700;margin-bottom:10px;\">EXAMPLE 2<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:17px;margin:0 0 12px;\">Used 2023 Honda CR-V \u2014 $32,000<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0 0 10px;\">Young professional, Montreal, second-hand purchase at 3 years old.<\/p>\n    <p style=\"color:#0d1f2d;font-weight:700;font-size:14px;margin:0;\">\u2192 Q.P.F. 5c limited depreciation ($\u2248 $120\/year)<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #8b5cf6;border-radius:12px;padding:28px;\">\n    <div style=\"color:#8b5cf6;font-size:13px;text-transform:uppercase;letter-spacing:1.5px;font-weight:700;margin-bottom:10px;\">EXAMPLE 3<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:17px;margin:0 0 12px;\">Restored 1968 Mustang \u2014 value $65,000<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0 0 10px;\">Collector, limited use in summer, controlled garage.<\/p>\n    <p style=\"color:#0d1f2d;font-weight:700;font-size:14px;margin:0;\">\u2192 Q.P.F. 5b agreed value (\u2248 $350\/year, specialized insurer)<\/p>\n  <\/div>\n<\/div>\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;\">Pitfalls to avoid at all costs<\/p>\n    <p style=\"color:#7f1d1d;font-size:14px;margin:0;line-height:1.7;\"><strong>1.<\/strong> Never accept a replacement warranty sold by the dealership without comparing it with your broker&#8217;s Q.P.F. No. 5. <strong>2.<\/strong> On vehicles over $80,000, check the limits \u2014 some insurers refuse F.P.Q. 5a. <strong>3.<\/strong> F.P.Q. 5a does not cover commercial uses: Uber, delivery, representative \u2192 take a commercial policy. <strong>4.<\/strong> The dealer&#8217;s warranty often has a hidden deductible ($500 to $1,500) that does not exist in F.P.Q. 5. <strong>5.<\/strong> Never sign a financing offer that contains a &#8220;free&#8221; replacement guarantee: it is added to the amount financed, so you pay with interest over 5-7 years.    <\/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;\">NEXT STEP<\/p>\n  <h3 style=\"color:#ffffff;font-size:26px;margin:0 0 16px;\">Get your quote with F.P.Q. 5 included<\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Assur360 compares 30+ insurers and automatically adds the recommended endorsement to you. Fair premium, bilingual service. <\/p>\n  <a href=\"https:\/\/www.assur360.ca\/en\/fast-online-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;\">Free<\/a>\n car 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<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Availability-of-the-FPQ-5-in-Quebec-cities\"><\/span>Availability of the F.P.Q. 5 in Quebec cities<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p style=\"font-size:16px;line-height:1.8;color:#334155;\">Q.P.F. Endorsement No. 5 is a <strong>provincial standard regulated by the AMF<\/strong>, and is therefore available everywhere in Quebec through a certified broker: <strong>Montreal<\/strong>, <strong>Quebec City<\/strong>, <strong>Laval<\/strong>, <strong>Gatineau<\/strong>, <strong>Longueuil<\/strong>, <strong>Sherbrooke<\/strong>, <strong>Saguenay<\/strong>, <strong>L\u00e9vis<\/strong>, <strong>Trois-Rivi\u00e8res<\/strong>, <strong>Drummondville<\/strong>, <strong>Saint-J\u00e9r\u00f4me<\/strong>, <strong>Granby<\/strong>, <strong>Saint-Hyacinthe<\/strong>, <strong>Thetford Mines<\/strong>. Premiums vary slightly by region (theft rate, claims) \u2014 a local broker often gets better terms than an anonymous online platform. <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Related-tools\"><\/span>Related tools<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\/en\/assur360-simulators-free-tools-for-your-financial-decisions\/landlord-or-tenant-calculator-2026-should-i-buy-or-rent\/\" 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;\">Owner or tenant calculator<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Compare the real cost of buying vs. renting your home over 1 to 30 years.<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/assur360-simulators-free-tools-for-your-financial-decisions\/free-insurance-quiz-2026-what-insurance-do-you-need-in-quebec-assur360\/\" 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;\">Quiz \u2014 What insurance do you need?<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">8 questions to identify the essential protections for your situation.<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-3-minute-quote\/\" 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 in Quebec<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Complete Guide to Coverages, Exclusions and Discounts \u2014 for Vehicle Owners and Renters.<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/assur360-simulators-free-tools-for-your-financial-decisions\/mortgage-calculators-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;\">Mortgage calculators<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Borrowing capacity, monthly payments, amortization \u2014 our official tools.<\/p>\n  <\/a>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently-asked-questions\"><\/span>Frequently asked questions<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;\">What is the difference between F.P.Q. 5a and F.P.Q. 5c?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\"><strong>Q.P.F. 5a<\/strong> applies exclusively to <strong>new vehicles (0 km)<\/strong> purchased directly from the dealership. In the event of a total loss within the period covered (24, 48 or 60 months), it will refund the purchase price new or replace it with an equivalent new vehicle. <strong>Q.P.F. 5c<\/strong> applies to <strong>used vehicles<\/strong> less than 5 years old: it limits depreciation by guaranteeing the cost of an equivalent vehicle at the time of the loss, rather than the depressed market value.  <\/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;\">Is the F.P.Q. 5a really necessary?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">For a new vehicle, yes \u2014 highly recommended. A vehicle loses <strong>20 to 30% of its value<\/strong> in the 1st year (Canadian Black Book, 2025). In the event of a total loss in the 1st year without Q.P.F. 5a, the insurer pays the market value \u2014 often 25% less than the price paid. On a $40,000 vehicle, that&#8217;s $10,000 lost for an annual premium of $\u2248,120.   <\/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 is the difference between Q.P.F. 5 and the dealer&#8217;s replacement warranty?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\"><strong>Q.P.F. No. 5<\/strong> is an insurance endorsement regulated by the <strong>AMF<\/strong>, payable annually ($60-180), cancellable at any time and portable on a new vehicle. The <strong>dealer&#8217;s replacement warranty<\/strong> (GARE, Guardian, SecuriKey, AssurExperts) is an unregulated product sold at the time of purchase, costs $1,500 to $3,500 at once (often financed with interest), difficult to cancel, tied to the specific vehicle and often includes a deductible. In most cases, the F.P.Q. 5 is more advantageous.  <\/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 void the dealer warranty and take F.P.Q. 5 instead?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Yes, in most cases. Quebec&#8217;s Consumer Protection Act generally allows cancellations within <strong>10 days<\/strong> of the purchase with a full refund. After 10 days, a <strong>prorated<\/strong> refund is possible according to the terms of the contract. Call your dealer and ask for the cancellation form, then contact Assur360 to add the Q.P.F. 5 endorsement to your policy.   <\/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 the F.P.Q. 5 cost per year?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Premiums vary depending on the insurer, the value of the vehicle, your driving record and the region. Orders of magnitude 2026: <strong>F.P.Q. 5a<\/strong> 24-month option: $60-90\/year \u00b7 48-month option: $90-140\/year \u00b7 60-month option: $120-180\/year. <strong>Q.P.F. 5c<\/strong> : $80-180\/year depending on the age of the vehicle. <strong>Q.P.F. 5b<\/strong> (agreed value): variable according to value \u2014 request a specialized quote. Use our <a href=\"https:\/\/www.assur360.ca\/en\/fast-online-car-quote\/\">car quote<\/a> form for the exact price.  <\/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 F.P.Q. 5 apply if I rent my car?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Yes \u2014 and it&#8217;s <strong>highly recommended for rental<\/strong>. In the event of a total loss of a leased vehicle, you are responsible for the &#8220;gap&#8221; between the market value paid by the insurer and the residual balance of the lease contract (often several thousand dollars). F.P.Q. 5a covers this difference by reimbursing the new purchase price. Many rental companies even require F.P.Q. 5a as a condition of the contract.   <\/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;\">Is the F.P.Q. 5c available for all used vehicles?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">No. Most insurers in Quebec impose an <strong>age limit of 5 years<\/strong> on purchase (some accept up to 7 years). Exclusions also apply to vehicles with a major history (title rebuilt, prior total loss), commercial vehicles, and vehicles with very high mileage. Ask your Assur360 broker for a specific check on your vehicle.  <\/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;\">F.P.Q. 5b: How is the &#8220;agreed value&#8221; determined?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">The agreed value is established jointly by you and the insurer, usually using a <strong>professional appraisal<\/strong> (collector car expert, Barrett-Jackson auction report, Hagerty, RM Sotheby&#8217;s, or a local firm such as Volo Auto Museum). Typically considered: year, model, restoration, mileage, originality of parts, mechanical and bodywork condition, history. This value is reviewed at each renewal.  <\/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;\">Is this decision tree official?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">No, it is a <strong>guidance tool<\/strong> based on the general rules of the Quebec market in 2026. Each insurer (Intact, Desjardins, Promutuel, SSQ, Wawanesa, La Capitale, etc.) applies its own criteria, limits and exclusions. For a binding recommendation, consult an <strong>AMF-certified broker<\/strong>. Assur360 offers a free, independent service \u2014 <a href=\"https:\/\/www.assur360.ca\/en\/need-help-contact-assur360-now\/\">contact us<\/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;\">If I have an accident, how does compensation work with F.P.Q. 5a?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">The insurer first assesses whether it is a <strong>total loss<\/strong> (damage greater than the cost of repair or vehicle not recovered after theft). If yes, there are two options: (1) direct replacement with a new vehicle equivalent to the current year of the same model and options, or (2) refund of the new purchase price stated in the contract. You keep the driver assistance of a replacement vehicle for the duration of the assessment (if coverage is added).  <\/div>\n  <\/details>\n<\/div>\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> Broker Members<\/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>13 partner firms<\/strong> in Quebec<\/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;\">Independent \u2014 <strong>30+ insurers<\/strong> compared<\/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;\">Source: <strong>AMF<\/strong>, official F.P.Q. policy n\u00b05<\/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<\/p>\n  <h3 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\">Talk to a broker to add F.P.Q. 5 to your policy<\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">In 3 minutes, 30+ insurers compared. The broker will recommend the optimal endorsement for your vehicle. <\/p>\n  <a href=\"https:\/\/www.assur360.ca\/en\/fast-online-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;\">Free<\/a>\n car 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;\">Call a broker<\/a>  \n<\/div>\n\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"InsuranceAgency\", \"name\": \"Assur360\", \"url\": \"https:\/\/assur360.ca\", \"logo\": \"https:\/\/assur360.ca\/wp-content\/uploads\/2024\/01\/logo-assur360.png\", \"telephone\": \"+1-866-357-4451\", \"address\": {\"@type\": \"PostalAddress\", \"addressLocality\": \"Thetford Mines\", \"addressRegion\": \"QC\", \"addressCountry\": \"CA\"}, \"areaServed\": \"Qu\u00e9bec\", \"serviceType\": [\"Assurance auto\", \"Courtier en assurance\", \"F.P.Q. n\u00b05\"]}<\/script><script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"FAQPage\", \"mainEntity\": [{\"@type\": \"Question\", \"name\": \"Quelle est la diff\u00e9rence entre F.P.Q. 5a et F.P.Q. 5c ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"F.P.Q. 5a s'applique aux v\u00e9hicules neufs (0 km) et rembourse le prix d'achat neuf en cas de perte totale. F.P.Q. 5c s'applique aux v\u00e9hicules usag\u00e9s de moins de 5 ans et limite la d\u00e9pr\u00e9ciation en garantissant un \u00e9quivalent au moment du sinistre.\"}}, {\"@type\": \"Question\", \"name\": \"La F.P.Q. 5a est-elle n\u00e9cessaire ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Pour un v\u00e9hicule neuf, fortement recommand\u00e9e. Un v\u00e9hicule perd 20 \u00e0 30 % de sa valeur la 1\u02b3\u1d49 ann\u00e9e. La prime annuelle (\u2248120 $) est d\u00e9risoire compar\u00e9e \u00e0 la perte potentielle.\"}}, {\"@type\": \"Question\", \"name\": \"F.P.Q. 5 ou garantie concessionnaire ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Dans la majorit\u00e9 des cas, F.P.Q. 5 est plus avantageuse : co\u00fbt annuel (60-180 $) au lieu d'un montant unique (1500-3500 $), annulable, portable sur nouveau v\u00e9hicule, sans franchise, r\u00e9glement\u00e9e par l'AMF.\"}}, {\"@type\": \"Question\", \"name\": \"Puis-je annuler la garantie concessionnaire ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui, g\u00e9n\u00e9ralement dans les 10 jours avec remboursement complet, puis au prorata ensuite. La Loi sur la protection du consommateur du Qu\u00e9bec encadre cette annulation.\"}}, {\"@type\": \"Question\", \"name\": \"Combien co\u00fbte la F.P.Q. 5 par ann\u00e9e ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"F.P.Q. 5a : 60-180 $\/an selon l'option (24-60 mois). F.P.Q. 5c : 80-180 $\/an. F.P.Q. 5b : variable selon la valeur convenue.\"}}, {\"@type\": \"Question\", \"name\": \"F.P.Q. 5 s'applique-t-elle en location ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui, et elle est fortement recommand\u00e9e. Elle couvre l'\u00e9cart entre la valeur marchande et le solde du contrat de location (gap) en cas de perte totale.\"}}, {\"@type\": \"Question\", \"name\": \"F.P.Q. 5c est-elle disponible pour tous v\u00e9hicules usag\u00e9s ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Non. La plupart des assureurs imposent une limite d'\u00e2ge de 5 ans (certains 7 ans). Des exclusions s'appliquent aux v\u00e9hicules avec ant\u00e9c\u00e9dents majeurs ou usage commercial.\"}}, {\"@type\": \"Question\", \"name\": \"Comment est fix\u00e9e la valeur convenue en F.P.Q. 5b ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Par une \u00e9valuation professionnelle (expert collection, rapport Hagerty\/Barrett-Jackson) consid\u00e9rant ann\u00e9e, mod\u00e8le, restauration, kilom\u00e9trage, originalit\u00e9, \u00e9tat. R\u00e9vis\u00e9e \u00e0 chaque renouvellement.\"}}]}<\/script><script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"BreadcrumbList\", \"itemListElement\": [{\"@type\": \"ListItem\", \"position\": 1, \"name\": \"Accueil\", \"item\": \"https:\/\/assur360.ca\/\"}, {\"@type\": \"ListItem\", \"position\": 2, \"name\": \"Simulateurs\", \"item\": \"https:\/\/assur360.ca\/simulation\/\"}, {\"@type\": \"ListItem\", \"position\": 3, \"name\": \"Arbre de d\u00e9cision F.P.Q. n\u00b05\", \"item\": \"https:\/\/assur360.ca\/simulation\/fpq-5-choisir-protection-remplacement\/\"}]}<\/script>\n","protected":false},"excerpt":{"rendered":"<p>Free decision tree to choose between Q.P.F. 5a (replacement value), 5b (agreed value), 5c (used limited depreciation) and dealer warranty. 6 questions, numerical verdict, AMF method. <\/p>\n","protected":false},"author":49,"featured_media":59143,"parent":58627,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_robots_primary_cat":"","_seopress_titles_title":"Q.P.F. n\u00b05: Choosing the Right Replacement Protection 2026","_seopress_titles_desc":"Free decision tree: 5a, 5b, 5c or dealer warranty? Compare in 6 questions. AMF method, certified brokers in Quebec.  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