{"id":105248,"date":"2026-09-07T15:00:00","date_gmt":"2026-09-07T19:00:00","guid":{"rendered":"https:\/\/www.assur360.ca\/blog\/home-insurance-in-quebec-2\/2026-faq-33-endorsement-in-quebec-turo-communauto-and-leased-vehicle\/"},"modified":"2026-09-07T15:00:40","modified_gmt":"2026-09-07T19:00:40","slug":"2026-faq-33-endorsement-in-quebec-turo-communauto-and-leased-vehicle","status":"publish","type":"post","link":"https:\/\/www.assur360.ca\/en\/blog\/my-finances-2\/2026-faq-33-endorsement-in-quebec-turo-communauto-and-leased-vehicle\/","title":{"rendered":"2026 FAQ 33 Endorsement in Quebec: Turo, Communauto and Leased Vehicle"},"content":{"rendered":"\n<style>#ez-toc-container{display:none!important}.entry-content .ez-toc-widget-container{display:none!important}<\/style>\n\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"InsuranceAgency\", \"name\": \"Assur360\", \"url\": \"https:\/\/www.assur360.ca\", \"logo\": \"https:\/\/www.assur360.ca\/wp-content\/uploads\/2024\/logo-assur360.png\", \"telephone\": \"1-866-357-4451\", \"address\": {\"@type\": \"PostalAddress\", \"addressLocality\": \"Thetford Mines\", \"addressRegion\": \"QC\", \"addressCountry\": \"CA\"}, \"areaServed\": \"QC\"}<\/script>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:17px;line-height:1.8;color:#334155;\">Do you rent regularly on <strong>Turo<\/strong>, do you use <strong>Communauto<\/strong> for your groceries or do you take an Enterprise for a weekend? The <strong>FAQ 33 endorsement<\/strong> can save you from accepting the premium protection plans at $30-80\/day offered by these platforms. Our AMF-certified <strong>Assur360 brokers<\/strong> explain its cost, scope and the optimal combo with FAQ 27 in 2026.  <\/p>\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;\">Amendment FAQ 33<\/p>\n  <h2 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\"><span class=\"ez-toc-section\" id=\"Rent-with-peace-of-mind-on-Turo-and-Communauto\"><\/span>Rent with peace of mind on Turo and Communauto<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Our broker checks whether FAQ 33 is optimal for your rental profile.<\/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;\">Add FAQ 33 for free<\/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;\"><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;\">$20-40<\/div><div style=\"color:#64748b;font-size:13px;\">Annual cost<\/div><\/div><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 days<\/div><div style=\"color:#64748b;font-size:13px;\">Max Duration\/Rental<\/div><\/div><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;\">$1-2M<\/div><div style=\"color:#64748b;font-size:13px;\">Liability covered<\/div><\/div><div style=\"background:#f8fafc;padding:24px;text-align:center;\"><div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">$0<\/div><div style=\"color:#64748b;font-size:13px;\">Liability deductible<\/div><\/div><\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"For-whom-is-the-FAQ-33-amendment-profitable\"><\/span>For whom is the FAQ 33 amendment profitable?<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;\"><div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\"><div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\ude97<\/div><h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Regular Turo users<\/h3><p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">3+ rentals per year. FAQ 33 is reimbursed from the 1st<sup>rental by<\/sup> avoiding the premium protection plan. <\/p><\/div><div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\"><div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udef4<\/div><h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Active Communauto members<\/h3><p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Reduces the loss deductible from $500-1,500 to a few dollars \u2014 with no surprises in your monthly budget.<\/p><\/div><div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\"><div style=\"font-size:32px;margin-bottom:16px;\">\u2708\ufe0f<\/div><h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Business travellers<\/h3><p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Frequent Enterprise\/Hertz rentals. FAQ 33 replaces the $20\/day CDW\/LDW at the counter. <\/p><\/div><\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How-the-FAQ-33-amendment-fits-in-with-Turo-and-Communauto\"><\/span>How the FAQ 33 amendment fits in with Turo and Communauto<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:flex;flex-direction:column;gap:20px;margin:32px 0;\"><div style=\"display:flex;gap:20px;align-items:flex-start;\"><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><div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Turo: Protection Plan at the time of booking<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Turo <strong>requires<\/strong> its own paid protection plan. FAQ 33 complements the need to cover uncovered deductibles and grey areas. <\/p><\/div><\/div><div style=\"display:flex;gap:20px;align-items:flex-start;\"><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><div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Communauto: Proof of personal insurance<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Communauto accepts your FAQ 33 as proof of insurance to reduce the loss deductible \u2014 significant savings in the event of an accident.<\/p><\/div><\/div><div style=\"display:flex;gap:20px;align-items:flex-start;\"><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><div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Airport rental: refuse the CDW<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">With FAQ 33 (+ FAQ 27 for damages), you can decline the Collision Damage Waiver offered at $15-25\/day.<\/p><\/div><\/div><div style=\"display:flex;gap:20px;align-items:flex-start;\"><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><div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Travel USA: Combine FAQ 33 + FAQ 20<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">To rent in the United States, check that your FAQ 33 extends there, or combine with FAQ 20 for a longer stay.<\/p><\/div><\/div><\/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;\">Combo optimal Assur360<\/p>\n    <p style=\"color:#94a3b8;font-size:14px;margin:0;line-height:1.6;\">To cover <strong style=\"color:#ffffff;\">any rental scenario<\/strong> \u2014 Turo, Communauto, airport, USA \u2014 our brokers recommend the FAQ <strong style=\"color:#ffffff;\">33 + FAQ 27 + FAQ 20<\/strong> combo. Total cost: $70-130\/year, compared to $30-80\/day of protection plans paid on a case-by-case basis. <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Indicative-prices-FAQ-33-in-2026-in-Quebec\"><\/span>Indicative prices FAQ 33 in 2026 in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"overflow-x:auto;margin:32px 0;\"><table style=\"width:100%;border-collapse:collapse;font-size:14px;\"><thead><tr style=\"background:#0d1f2d;color:#ffffff;\"><th style=\"padding:14px 16px;text-align:left;border:none;\">Profile<\/th><th style=\"padding:14px 16px;text-align:left;border:none;\">Usage<\/th><th style=\"padding:14px 16px;text-align:left;border:none;\">Recommended Riders<\/th><th style=\"padding:14px 16px;text-align:left;border:none;\">Total Cost\/Year*<\/th><\/tr><\/thead><tbody><tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;font-weight:600;color:#0d1f2d;\">Occasional Turo User<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">3-5 rentals\/year<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">FAQ 33 single<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$20-30<\/td><\/tr><tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;font-weight:600;color:#0d1f2d;\">Regular Turo User<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">10+ Rentals\/Year<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">FAQ 33 + FAQ 27<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$50-70<\/td><\/tr><tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;font-weight:600;color:#0d1f2d;\">Active Communauto member<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">15+ trips\/month<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">FAQ 33<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$25-35<\/td><\/tr><tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;font-weight:600;color:#0d1f2d;\">Business Traveler<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">8+ Airport Rentals\/Year<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">FAQ 33 + FAQ 27 + FAQ 20<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$80-130<\/td><\/tr><\/tbody><\/table><\/div>\n\n<p class=\"wp-block-paragraph\" style=\"color:#64748b;font-size:13px;font-style:italic;text-align:center;\">*Indicative rates 2026. <a href=\"https:\/\/www.assur360.ca\/en\/quick-car-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;\">Attention: Read the Turo contract<\/p>\n    <p style=\"color:#7f1d1d;font-size:14px;margin:0;line-height:1.6;\">Some Turo hosts <strong>require<\/strong> the $80\/day premium plan and decline your personal coverage. FAQ 33 does not replace the platform&#8217;s contractual requirements \u2014 check before you book. <\/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;\">Rent smarter<\/p>\n  <h3 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\">Add FAQ 33 to your policy in 24 hours<\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Our brokers compare the FAQ 33 endorsement with several insurers \u2014 free in 3 minutes.<\/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;\">Free 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;\">Call a broker<\/a>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The-3-%E2%80%9Crental%E2%80%9D-amendments-to-be-aware-of\"><\/span>The 3 &#8220;rental&#8221; amendments to be aware of<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;\"><div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\"><div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\ude99<\/div><h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">FAQ 33 \u2014 Short-term rental vehicle<\/h3><p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">$20-40\/year. Covers RC for Turo, Communauto, Enterprise, Hertz. <\/p><\/div><div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\"><div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udd27<\/div><h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">FAQ 27 \u2014 Damage to Someone Else&#8217;s Vehicle<\/h3><p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">$40-80\/year. Covers damage to the rented or borrowed vehicle. <\/p><\/div><div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\"><div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\ude97<\/div><h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">FAQ 34 \u2014 Replacement Vehicle<\/h3><p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">$30-70\/year. Car rental during repairs after your own loss. <\/p><\/div><\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Assur360-covers-all-of-Quebec\"><\/span>Assur360 covers all of Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:16px;line-height:1.8;color:#334155;\">Whether you are in <strong>Montreal<\/strong>, <strong>Quebec City<\/strong>, <strong>Laval<\/strong>, <strong>Gatineau<\/strong>, <strong>Sherbrooke<\/strong>, <strong>Trois-Rivi\u00e8res<\/strong>, <strong>Saguenay<\/strong> or <strong>Thetford Mines<\/strong>, our AMF-certified brokers compare the FAQ 33 endorsement and lease endorsements with several partner insurers in Quebec.<\/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;\"><a href=\"https:\/\/www.assur360.ca\/en\/blog\/insurance\/car-4\/endorsement-faq-27-in-car-insurance-in-quebec-complete-guide-2026\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\"><h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Endorsement FAQ 27 \u2014 damage to another person&#8217;s vehicle<\/h3><p style=\"color:#64748b;font-size:14px;margin:0;\">Combine FAQ 33 with FAQ 27 for complete rental coverage.<\/p><\/a><a href=\"https:\/\/www.assur360.ca\/en\/blog\/my-finances-2\/endorsement-faq-34-in-quebec-2026-replacement-vehicle-cost-and-effective-date\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\"><h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Endorsement FAQ 34 \u2014 replacement vehicle<\/h3><p style=\"color:#64748b;font-size:14px;margin:0;\">The endorsement that provides you with a courtesy car after a loss.<\/p><\/a><a href=\"https:\/\/www.assur360.ca\/en\/blog\/my-finances-2\/endorsement-faq-20-in-quebec-2026-out-of-province-driving-usa-and-canada\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\"><h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Endorsement FAQ 20 \u2014 Driving Outside Quebec<\/h3><p style=\"color:#64748b;font-size:14px;margin:0;\">Extend your auto policy to the USA and other provinces.<\/p><\/a><a href=\"https:\/\/www.assur360.ca\/en\/blog\/insurance\/car-4\/i-compared-7-car-insurers-quebec-2026-400-difference-broker-guide\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\"><h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Comparison of 7 Quebec Auto Insurers<\/h3><p style=\"color:#64748b;font-size:14px;margin:0;\">Price, service, endorsements available \u2014 see the 2026 ranking.<\/p><\/a><\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently-asked-questions-about-the-FAQ-33-amendment\"><\/span>Frequently asked questions about the FAQ 33 amendment<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"margin:32px 0;\"><details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\"><summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">What is the FAQ 33 addendum?<\/summary><div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">The FAQ 33 endorsement extends your personal coverage (liability and damages) to the driver of a short-term rental vehicle. This is the key endorsement for users of Turo, Communauto, Getaround, or Enterprise\/Discount rentals of less than 30 days. <\/div><\/details><details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\"><summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Do I need FAQ 33 for Communauto or Turo?<\/summary><div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Communauto includes basic coverage in its rates, but with a high deductible ($500-1,500). Turo offers several paid protection plans ($30-80\/day). With FAQ 33 on your own policy, you&#8217;re covered with no additional deductible for liability \u2014 and you save on premium plans.  <\/div><\/details><details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\"><summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">How much does the FAQ 33 endorsement cost in Quebec in 2026?<\/summary><div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">In 2026, the FAQ 33 endorsement costs $20 to $40 per year depending on the insurer. Compare to $30-80\/day for integrated insurance for a service like Turo \u2014 the endorsement pays for in a single lease. <\/div><\/details><details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\"><summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">FAQ 33 Does it cover damage to the rented vehicle?<\/summary><div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">FAQ 33 Basic covers civil liability. For damage to the rented vehicle itself, it is often necessary to add the FAQ 27 endorsement (damage to someone else&#8217;s vehicle). Our Assur360 brokers often recommend the FAQ 33 + FAQ 27 combo for complete coverage.  <\/div><\/details><details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\"><summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Can I use FAQ 33 for an airport rental?<\/summary><div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Yes, FAQ 33 applies to short-term rentals (less than 30 days) in Quebec and other provinces. For the United States, check that it applies \u2014 often yes, but with the added FAQ 20 endorsement. <\/div><\/details><details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\"><summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Do Turo and Communauto accept FAQ 33 as proof of insurance?<\/summary><div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Turo requests its own protection plan at the time of booking (required). FAQ 33 supplements to cover grey areas and deductibles. Communauto accepts your personal policy as proof for the deductible reduction.  <\/div><\/details><details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\"><summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Does Endorsement FAQ 33 apply if I drive a friend&#8217;s car?<\/summary><div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">No, FAQ 33 concerns short-term leased vehicles. To drive a friend&#8217;s car without being named on his policy, it is the principle of &#8220;named perils&#8221; of his own policy that comes into play \u2014 but with limitations. For regular use, it is better to be added as a secondary driver.  <\/div><\/details><details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\"><summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">FAQ 33 Replace Visa\/Mastercard Insurance?<\/summary><div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">No, credit card insurance only covers damage to the vehicle (collision and theft), not civil liability. FAQ 33 fills this gap. Ideally, combine the two: FAQ 33 for civil liability, premium credit card for damages.  <\/div><\/details><\/div>\n\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"FAQPage\", \"mainEntity\": [{\"@type\": \"Question\", \"name\": \"Qu'est-ce que l'avenant FAQ 33 ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"L'avenant FAQ 33 \u00e9tend votre couverture personnelle (responsabilit\u00e9 civile et dommages) au conducteur d'un v\u00e9hicule lou\u00e9 \u00e0 court terme. C'est l'avenant cl\u00e9 pour les utilisateurs de Turo, Communauto, Getaround, ou les locations Enterprise\/Discount de moins de 30 jours.\"}}, {\"@type\": \"Question\", \"name\": \"Ai-je besoin de FAQ 33 pour Communauto ou Turo ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Communauto inclut une couverture de base dans ses tarifs, mais avec une franchise \u00e9lev\u00e9e (500-1 500 $). Turo offre plusieurs plans de protection payants (30-80 $\/jour). Avec FAQ 33 sur votre propre police, vous \u00eates couvert sans franchise suppl\u00e9mentaire pour la responsabilit\u00e9 civile \u2014 et vous \u00e9conomisez sur les plans premium.\"}}, {\"@type\": \"Question\", \"name\": \"Combien co\u00fbte l'avenant FAQ 33 au Qu\u00e9bec en 2026 ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"En 2026, l'avenant FAQ 33 co\u00fbte 20 \u00e0 40 $ par ann\u00e9e selon l'assureur. Comparez au 30-80 $\/jour pour l'assurance int\u00e9gr\u00e9e d'un service comme Turo \u2014 l'avenant se rembourse en une seule location.\"}}, {\"@type\": \"Question\", \"name\": \"FAQ 33 couvre-t-il les dommages au v\u00e9hicule lou\u00e9 ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"FAQ 33 base couvre la responsabilit\u00e9 civile. Pour les dommages au v\u00e9hicule lou\u00e9 lui-m\u00eame, il faut souvent ajouter l'avenant FAQ 27 (dommages au v\u00e9hicule d'autrui). Nos courtiers Assur360 recommandent souvent le combo FAQ 33 + FAQ 27 pour une couverture compl\u00e8te.\"}}, {\"@type\": \"Question\", \"name\": \"Puis-je utiliser FAQ 33 pour une location \u00e0 l'a\u00e9roport ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui, FAQ 33 s'applique aux locations courte dur\u00e9e (moins de 30 jours) au Qu\u00e9bec et dans les autres provinces. Pour les \u00c9tats-Unis, v\u00e9rifiez qu'elle s'applique \u2014 souvent oui, mais avec l'avenant FAQ 20 ajout\u00e9.\"}}, {\"@type\": \"Question\", \"name\": \"Turo et Communauto acceptent-ils FAQ 33 comme preuve d'assurance ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Turo demande son propre plan de protection au moment de la r\u00e9servation (obligatoire). FAQ 33 vient en compl\u00e9ment pour couvrir les zones grises et les franchises. Communauto accepte votre police personnelle comme preuve pour la r\u00e9duction de franchise.\"}}, {\"@type\": \"Question\", \"name\": \"L'avenant FAQ 33 s'applique-t-il si je conduis l'auto d'un ami ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Non, FAQ 33 concerne les v\u00e9hicules lou\u00e9s \u00e0 court terme. Pour conduire l'auto d'un ami sans \u00eatre nomm\u00e9 sur sa police, c'est le principe du \\\"named perils\\\" de sa propre police qui joue \u2014 mais avec des limitations. Pour un usage r\u00e9gulier, mieux vaut \u00eatre ajout\u00e9 comme conducteur secondaire.\"}}, {\"@type\": \"Question\", \"name\": \"FAQ 33 remplace-t-il l'assurance offerte par Visa\/Mastercard ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Non, l'assurance carte de cr\u00e9dit couvre uniquement les dommages au v\u00e9hicule (collision et vol), pas la responsabilit\u00e9 civile. FAQ 33 comble cette lacune. Id\u00e9alement, combinez les deux : FAQ 33 pour la RC, carte de cr\u00e9dit premium pour les dommages.\"}}]}<\/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 brokers<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span> <span style=\"color:#334155;font-size:14px;\"><strong>Member of the Insurance Chamber<\/strong><\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>100,000+<\/strong> submissions processed<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>Independent<\/strong> comparator<\/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;\">Partner firms in <strong>Quebec<\/strong><\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span> <span style=\"color:#334155;font-size:14px;\"><strong>Bilingual<\/strong> service FR + EN<\/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;\">Ready for your next rental?<\/p>\n  <h3 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\">Add FAQ 33 in 24 hours<\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Free quote with analysis of your leasing profile by our AMF-certified brokers.<\/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;\">Free 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;\">Call a broker<\/a>\n<\/div>\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\": \"Mes finances\", \"item\": \"https:\/\/www.assur360.ca\/blog\/mes-finances\/\"}, {\"@type\": \"ListItem\", \"position\": 3, \"name\": \"Avenant FAQ 33\", \"item\": \"https:\/\/www.assur360.ca\/blog\/mes-finances\/avenant-faq-33-vehicule-loue-turo-communauto\/\"}]}<\/script>\n","protected":false},"excerpt":{"rendered":"<p>2026 FAQ 33 Endorsement in Quebec: Turo, Communauto, Enterprise. Cost $20-40\/year and combos with FAQ 27\/FAQ 20 \u2014 explained by our brokers. <\/p>\n","protected":false},"author":49,"featured_media":105249,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_seopress_titles_title":"2026 FAQ 33 Endorsement: Turo, Communauto, Car Rental | Assur360","_seopress_titles_desc":"Endorsement FAQ 33 in Quebec 2026: short-term leased vehicle coverage (Turo, Communauto). Cost $20-40\/year. 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