{"id":20189,"date":"2017-04-05T16:19:42","date_gmt":"2017-04-05T20:19:42","guid":{"rendered":"https:\/\/www.assur360.ca\/blog\/home-insurance-in-quebec-2\/car-insurance-following-a-drivers-licence-suspension-2\/"},"modified":"2026-06-03T10:14:38","modified_gmt":"2026-06-03T14:14:38","slug":"car-insurance-following-a-drivers-licence-suspension-2","status":"publish","type":"post","link":"https:\/\/www.assur360.ca\/en\/blog\/insurance\/car-insurance-following-a-drivers-licence-suspension-2\/","title":{"rendered":"Car insurance following a driver&#8217;s licence suspension"},"content":{"rendered":"\n<script type=\"application\/ld+json\">\n{\"@context\":\"https:\/\/schema.org\",\"@type\":\"Article\",\"@id\":\"https:\/\/www.assur360.ca\/blog\/assurance\/assurance-auto-suspension-de-permis\/#article\",\"headline\":\"Assurance auto suite \u00e0 une suspension de permis de conduire\",\"url\":\"https:\/\/www.assur360.ca\/blog\/assurance\/assurance-auto-suspension-de-permis\/\",\"datePublished\":\"2017-04-05T16:19:42-04:00\",\"dateModified\":\"2026-06-03T10:13:04-04:00\",\"author\":{\"@type\":\"Person\",\"name\":\"Jean Boissonneault\",\"url\":\"https:\/\/www.assur360.ca\/blog\/author\/admin\/\",\"description\":\"Jean Boissonneault est courtier d'assurance de dommages associ\u00e9 depuis plus de 30 ans au Qu\u00e9bec et propri\u00e9taire d'Assur360.\",\"hasCredential\":{\"@type\":\"EducationalOccupationalCredential\",\"credentialCategory\":\"Permis de cabinet en assurance de dommages\",\"recognizedBy\":{\"@type\":\"Organization\",\"name\":\"Autorit\u00e9 des march\u00e9s financiers\",\"url\":\"https:\/\/lautorite.qc.ca\"}}},\"publisher\":{\"@type\":\"Organization\",\"name\":\"Assur360\",\"url\":\"https:\/\/www.assur360.ca\",\"logo\":{\"@type\":\"ImageObject\",\"url\":\"https:\/\/www.assur360.ca\/wp-content\/uploads\/2024\/01\/assur360-logo.png\",\"width\":200,\"height\":60}},\"image\":\"https:\/\/www.assur360.ca\/wp-content\/uploads\/2026\/06\/assurance-auto-suspension-permis-quebec-2026.jpg\",\"inLanguage\":\"fr-CA\",\"isPartOf\":{\"@type\":\"WebSite\",\"url\":\"https:\/\/www.assur360.ca\",\"name\":\"Assur360\"},\"description\":\"Suspension de permis au Qu\u00e9bec : comment vous faire assurer apr\u00e8s une suspension SAAQ, alcool, points d'inaptitude ou exc\u00e8s de vitesse. Tarifs 2026, \u00e9tapes, courtier sp\u00e9cialis\u00e9.\"}\n<\/script>\n<script type=\"application\/ld+json\">\n{\"@context\":\"https:\/\/schema.org\",\"@type\":\"BreadcrumbList\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\/\/www.assur360.ca\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Blogue\",\"item\":\"https:\/\/www.assur360.ca\/blog\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Assurance auto\",\"item\":\"https:\/\/www.assur360.ca\/assurance-auto\/\"},{\"@type\":\"ListItem\",\"position\":4,\"name\":\"Suspension de permis\",\"item\":\"https:\/\/www.assur360.ca\/blog\/assurance\/assurance-auto-suspension-de-permis\/\"}]}\n<\/script>\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px 36px;margin:32px auto;box-shadow:0 10px 30px rgba(13,31,45,0.18);max-width:100%;\">\n  <div style=\"display:flex;gap:32px;align-items:center;justify-content:center;flex-wrap:wrap;\">\n    <div style=\"flex:1 1 380px;min-width:280px;text-align:left;\">\n      <p style=\"color:#10c4c7;font-size:13px;font-weight:700;text-transform:uppercase;letter-spacing:3px;margin:0 0 10px;\">LICENCE SUSPENSION<\/p>\n      <p style=\"color:#ffffff;font-size:28px;font-weight:800;margin:0 0 12px;line-height:1.25;font-family:inherit;\">2nd chance car insurance<\/p>\n      <p style=\"color:#94a3b8;font-size:16px;line-height:1.6;margin:0 0 22px;\">Partner firms specialising in cases of increased risk. Free quote, no obligation. <\/p>\n      <div style=\"display:flex;gap:10px;flex-wrap:wrap;\">\n        <a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-quote-7-2\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:14px 26px;border-radius:8px;font-weight:700;text-decoration:none;font-size:15px;display:inline-block;\">Get My Quote<\/a>\n        <a href=\"tel:+18663574451\" style=\"background:transparent;color:#ffffff;padding:14px 26px;border-radius:8px;font-weight:700;text-decoration:none;font-size:15px;display:inline-block;border:2px solid #ffffff;\">\ud83d\udcde 1-866-357-4451<\/a>\n      <\/div>\n    <\/div>\n    <div style=\"flex:0 0 240px;text-align:center;\"><img decoding=\"async\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_auto,s_webp:avif\/www.assur360.ca\/wp-content\/uploads\/2025\/02\/courtier-comparateur-assurance-auto-au-quebec.png\" alt=\"Orso, car insurance comparison site in Quebec\" style=\"max-width:240px;width:100%;height:auto;display:block;margin:0 auto;filter:drop-shadow(0 6px 16px rgba(16,196,199,0.3));\" loading=\"lazy\"\/><\/div>\n  <\/div>\n<\/div>\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));gap:18px;margin:32px 0;padding:24px;background:#f8fafc;border-radius:12px;border-top:4px solid #10c4c7;\">\n  <div style=\"text-align:center;\"><div style=\"font-size:30px;font-weight:800;color:#10c4c7;line-height:1;\">+30 %<\/div><div style=\"font-size:13px;color:#64748b;margin-top:6px;\">Average surcharge after suspension<\/div><\/div>\n  <div style=\"text-align:center;\"><div style=\"font-size:30px;font-weight:800;color:#10c4c7;line-height:1;\">3 to 6 years old<\/div><div style=\"font-size:13px;color:#64748b;margin-top:6px;\">Duration of impact on the file<\/div><\/div>\n  <div style=\"text-align:center;\"><div style=\"font-size:30px;font-weight:800;color:#10c4c7;line-height:1;\">100 %<\/div><div style=\"font-size:13px;color:#64748b;margin-top:6px;\">You can be insured in Quebec<\/div><\/div>\n  <div style=\"text-align:center;\"><div style=\"font-size:30px;font-weight:800;color:#10c4c7;line-height:1;\">30+<\/div><div style=\"font-size:13px;color:#64748b;margin-top:6px;\">Insurers Compared<\/div><\/div>\n<\/div>\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_84 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-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.assur360.ca\/en\/blog\/insurance\/car-insurance-following-a-drivers-licence-suspension-2\/#Difficult-to-insure-a-vehicle-after-a-suspension\" >Difficult to insure a vehicle after a suspension<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.assur360.ca\/en\/blog\/insurance\/car-insurance-following-a-drivers-licence-suspension-2\/#Types-of-licence-suspensions-in-Quebec-in-2026\" >Types of licence suspensions in Quebec in 2026<\/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\/blog\/insurance\/car-insurance-following-a-drivers-licence-suspension-2\/#How-a-suspension-affects-your-car-insurance-premium\" >How a suspension affects your car insurance premium<\/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\/blog\/insurance\/car-insurance-following-a-drivers-licence-suspension-2\/#How-to-Get-Insured-After-a-Suspension-%E2%80%94-5-Steps\" >How to Get Insured After a Suspension \u2014 5 Steps<\/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\/blog\/insurance\/car-insurance-following-a-drivers-licence-suspension-2\/#Tips-for-reducing-your-premium-after-a-licence-suspension\" >Tips for reducing your premium after a licence suspension<\/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\/blog\/insurance\/car-insurance-following-a-drivers-licence-suspension-2\/#Regions-and-cities-served-in-Quebec\" >Regions and cities served in Quebec<\/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\/blog\/insurance\/car-insurance-following-a-drivers-licence-suspension-2\/#Frequently-asked-questions-%E2%80%94-Insurance-after-licence-suspension\" >Frequently asked questions \u2014 Insurance after licence suspension<\/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\/blog\/insurance\/car-insurance-following-a-drivers-licence-suspension-2\/#Ready-to-take-the-leap-Our-comparator-is-free\" >Ready to take the leap? Our comparator is free<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Difficult-to-insure-a-vehicle-after-a-suspension\"><\/span>Difficult to insure a vehicle after a suspension<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">If you are having <a href=\"\/2e-chance-assurance-auto\/\">trouble insuring your vehicle<\/a> because you have just recovered your driver&#8217;s licence after a suspension, know that <strong>you will be insured<\/strong>. In Quebec, no licensed driver can be left without coverage: the <a href=\"https:\/\/gaa.qc.ca\/\" target=\"_blank\" rel=\"noopener nofollow\">Groupement des assureurs automobiles (GAA)<\/a> requires all insurers to participate in the <strong>risk distribution plan<\/strong> (the Quebec equivalent of the &#8220;FAR&#8221;) for files refused on the regular market. <\/p>\n\n<figure class=\"wp-block-image alignright\"><img alt=\"Licence suspension in Quebec \u2014 car insurance remains accessible\" decoding=\"async\" width=\"960\" height=\"240\" src=\"https:\/\/www.assur360.ca\/wp-content\/uploads\/2017\/04\/suspension-de-permis-de-conduire-au-Qu\u00e9bec.jpg\" loading=\"lazy\"\/><\/figure>\n\n<p class=\"wp-block-paragraph\">The real question is therefore not &#8221; <em>can I be insured?<\/em> &#8220;, but <em>&#8220;at what price and with which broker?<\/em> &#8220;. For the years following a suspension, it is essential to maintain a good driving record, to respect speed limits and the Highway Safety Code. Above all, <strong>be honest when quoting<\/strong> : a false statement on your driving record may result in the denial of compensation in the event of a claim, or even the nullity of the contract (arts. 2408 and 2410 of the Civil Code of Qu\u00e9bec).  <\/p>\n\n<p class=\"wp-block-paragraph\">If you manage to drive without incident for 3 to 6 years, the majority of regular insurers will take over your file and your premium will return to normal.<\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Types-of-licence-suspensions-in-Quebec-in-2026\"><\/span>Types of licence suspensions in Quebec in 2026<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Not all suspensions are equal in the eyes of insurers. The reason and duration weigh directly on your <a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-quote-7-2\/\">car insurance premium<\/a>. <\/p>\n\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:18px;margin:24px 0;\">\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:10px;padding:22px;\">\n    <h3 style=\"margin:0 0 10px;color:#0d1f2d;font-size:18px;\">Suspension administrative SAAQ<\/h3>\n    <p style=\"margin:0;color:#475569;font-size:15px;line-height:1.6;\">Issued by the SAAQ for demerit points (7-14+ points), non-payment of fees, failure to undergo a medical examination. Duration: 3 to 12 months. Prime Impact: <strong>+15 to +30%.<\/strong>  <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:10px;padding:22px;\">\n    <h3 style=\"margin:0 0 10px;color:#0d1f2d;font-size:18px;\">Suspension for alcohol\/drugs<\/h3>\n    <p style=\"margin:0;color:#475569;font-size:15px;line-height:1.6;\">Drinking and driving (\u226580 mg, or &#8220;zero tolerance&#8221; 21 years of age and under). Immediate suspension 90 days + revocation. Impact Prime: <strong>+50 to +200%,<\/strong> alcohol ignition interlock required.  <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:10px;padding:22px;\">\n    <h3 style=\"margin:0 0 10px;color:#0d1f2d;font-size:18px;\">Excessive speeding<\/h3>\n    <p style=\"margin:0;color:#475569;font-size:15px;line-height:1.6;\">40 km\/h in the \u226460 zone, 50 km\/h in the 90 zone, 60 km\/h in the \u2265100 zone. Suspension 7 to 60 days depending on the second offence. Prime Impact: <strong>+25 to +75%.<\/strong>  <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:10px;padding:22px;\">\n    <h3 style=\"margin:0 0 10px;color:#0d1f2d;font-size:18px;\">Judicial suspension<\/h3>\n    <p style=\"margin:0;color:#475569;font-size:15px;line-height:1.6;\">Court-ordered (hit-and-run, dangerous driving, street racing, ss. 320.11 et seq. C.cr.). Often 1 to 3 years. Prime impact: <strong>+75 to +250%,<\/strong> specialized market required.  <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How-a-suspension-affects-your-car-insurance-premium\"><\/span>How a suspension affects your car insurance premium<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">When you apply, the insurer consults the <strong>GAA&#8217;s central automobile claims file (FCSA)<\/strong> and your SAAQ file. A recent suspension appears for 3 to 6 years depending on the severity. Insurers then categorize your profile:  <\/p>\n\n<ul style=\"background:#fef2f2;border-left:4px solid #ef4444;border-radius:8px;padding:18px 22px 18px 38px;margin:20px 0;color:#374151;line-height:1.7;\">\n  <li><strong>Regular profile<\/strong> \u2014 no insurer refuses, average surcharge <strong>+15%.<\/strong><\/li>\n  <li><strong>Sub-standard profile<\/strong> \u2014 1-2 years after suspension, premium <strong>+30 to +60%,<\/strong> specialized broker market.<\/li>\n  <li><strong>Aggravated risk profile<\/strong> \u2014 recent alcohol or judicial suspension, + <strong>75 to +200%<\/strong> premium, GAA risk distribution plan if all refuse.<\/li>\n<\/ul>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How-to-Get-Insured-After-a-Suspension-%E2%80%94-5-Steps\"><\/span>How to Get Insured After a Suspension \u2014 5 Steps<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:flex;flex-direction:column;gap:14px;margin:24px 0;\">\n  <div style=\"display:flex;gap:16px;align-items:flex-start;background:#ffffff;border:1px solid #e2e8f0;border-radius:10px;padding:18px;\">\n    <div style=\"flex:0 0 36px;height:36px;background:#10c4c7;color:#ffffff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:16px;\">1<\/div>\n    <div><strong style=\"color:#0d1f2d;\">Pick up your licence and your SAAQ driving statement.<\/strong>  You will need it for the submission. Cost: $7.40 via the SAAQ website. <\/div>\n  <\/div>\n  <div style=\"display:flex;gap:16px;align-items:flex-start;background:#ffffff;border:1px solid #e2e8f0;border-radius:10px;padding:18px;\">\n    <div style=\"flex:0 0 36px;height:36px;background:#10c4c7;color:#ffffff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:16px;\">2<\/div>\n    <div><strong style=\"color:#0d1f2d;\">Choose a low-value vehicle for<\/strong> the first 1-2 years. You can opt for civil liability only (section A) and lower the premium. <\/div>\n  <\/div>\n  <div style=\"display:flex;gap:16px;align-items:flex-start;background:#ffffff;border:1px solid #e2e8f0;border-radius:10px;padding:18px;\">\n    <div style=\"flex:0 0 36px;height:36px;background:#10c4c7;color:#ffffff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:16px;\">3<\/div>\n    <div><strong style=\"color:#0d1f2d;\">Go through a substandard specialist broker.<\/strong>  Online comparators for the general public often refuse high-risk cases; a broker has access to specialized insurers (Pafco, Echelon, Trillium, etc.).<\/div>\n  <\/div>\n  <div style=\"display:flex;gap:16px;align-items:flex-start;background:#ffffff;border:1px solid #e2e8f0;border-radius:10px;padding:18px;\">\n    <div style=\"flex:0 0 36px;height:36px;background:#10c4c7;color:#ffffff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:16px;\">4<\/div>\n    <div><strong style=\"color:#0d1f2d;\">Declare EVERYTHING.<\/strong>  Previous suspensions, convictions, refusals. Transparency avoids the nullity of the contract (art. 2408 C.C.Q.). <\/div>\n  <\/div>\n  <div style=\"display:flex;gap:16px;align-items:flex-start;background:#ffffff;border:1px solid #e2e8f0;border-radius:10px;padding:18px;\">\n    <div style=\"flex:0 0 36px;height:36px;background:#10c4c7;color:#ffffff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:16px;\">5<\/div>\n    <div><strong style=\"color:#0d1f2d;\">Renegotiate every year.<\/strong>  After 12 months without incident, the regular market can take over your file \u2014 savings of 20 to 40%.<\/div>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Tips-for-reducing-your-premium-after-a-licence-suspension\"><\/span>Tips for reducing your premium after a licence suspension<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">In addition to the choice of insurer, there are several levers that can reduce the bill from the first year:<\/p>\n\n<ul style=\"line-height:1.8;color:#374151;\">\n  <li><strong>Increase your deductibles<\/strong> (from $500 to $1,000 or $1,500) \u2014 savings 8% to 15%.<\/li>\n  <li><strong>Do not report small claims<\/strong> below the deductible amount.<\/li>\n  <li><strong>Combine car + home<\/strong> at the same firm \u2014 5 to 15% multi-product discount.<\/li>\n  <li><strong>Install an approved lock<\/strong> (Tag, Sherlock, Boomerang) \u2014 required on certain high-risk models, otherwise 5% discount.<\/li>\n  <li><strong>Opt for telematics<\/strong> if available (Intact Drive, Belair Auto +) \u2014 discount depending on driving, useful after a suspension.<\/li>\n  <li><strong>Postpone the purchase of a newer vehicle<\/strong> until your profile becomes regular again.<\/li>\n<\/ul>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border:2px solid #10c4c7;border-radius:14px;padding:28px;margin:32px 0;color:#ffffff;\">\n  <p style=\"margin:0 0 10px;color:#10c4c7;font-size:13px;font-weight:700;text-transform:uppercase;letter-spacing:2px;\">\ud83d\udca1 Broker&#8217;s advice<\/p>\n  <p style=\"margin:0;font-size:16px;line-height:1.7;\">Never accept the first submission after a suspension. The price difference between two specialty insurers can be as high <strong style=\"color:#10c4c7;\">as $800 to $1,500\/year<\/strong> for the same vehicle and coverage. An independent broker compares the entire market for you, in a single step.  <\/p>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Regions-and-cities-served-in-Quebec\"><\/span>Regions and cities served in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Assur360&#8217;s partner firms support drivers with licence suspensions throughout Quebec: <strong>Montreal<\/strong>, <strong>Laval<\/strong>, <strong>Longueuil<\/strong>, <strong>Quebec City<\/strong>, <strong>Gatineau<\/strong>, <strong>Sherbrooke<\/strong>, <strong>Trois-Rivi\u00e8res<\/strong> and <strong>Saguenay<\/strong>, as well as in the regions (Mauricie, Estrie, Outaouais, C\u00f4te-Nord, Bas-Saint-Laurent).<\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently-asked-questions-%E2%80%94-Insurance-after-licence-suspension\"><\/span>Frequently asked questions \u2014 Insurance after licence suspension<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<details class=\"wp-block-details\" style=\"border:1px solid #e2e8f0;border-radius:8px;margin:10px 0;padding:0;\"><summary style=\"background:#f8fafc;padding:14px 18px;cursor:pointer;font-weight:600;color:#0d1f2d;border-radius:8px 8px 0 0;\">Can I really be insured after a licence suspension in Quebec?<\/summary><div style=\"padding:16px 18px;color:#374151;line-height:1.7;\">Yes. Any driver with a valid licence must be able to insure himself in Qu\u00e9bec. If all the regular insurers refuse your file, the <strong>GAA risk distribution plan<\/strong> (the Quebec equivalent of the FAR) must assign an insurer to your file. In practice, a specialized broker settles 95% of cases without even going through the plan.  <\/div><\/details>\n<details class=\"wp-block-details\" style=\"border:1px solid #e2e8f0;border-radius:8px;margin:10px 0;padding:0;\"><summary style=\"background:#f8fafc;padding:14px 18px;cursor:pointer;font-weight:600;color:#0d1f2d;border-radius:8px 8px 0 0;\">How much does car insurance cost after a license suspension?<\/summary><div style=\"padding:16px 18px;color:#374151;line-height:1.7;\">Count on an <strong>additional premium of 15 to 30%<\/strong> after an SAAQ administrative suspension (demerit points), <strong>50 to 200%<\/strong> after a suspension for alcohol, and up to <strong>+250%<\/strong> after a recent judicial suspension. An annual premium that would have been $950 can climb to $1,400-2,800 depending on the severity, the vehicle and the region. <\/div><\/details>\n<details class=\"wp-block-details\" style=\"border:1px solid #e2e8f0;border-radius:8px;margin:10px 0;padding:0;\"><summary style=\"background:#f8fafc;padding:14px 18px;cursor:pointer;font-weight:600;color:#0d1f2d;border-radius:8px 8px 0 0;\">How long does a suspension remain on my insurance file?<\/summary><div style=\"padding:16px 18px;color:#374151;line-height:1.7;\">Insurers generally consult your file for <strong>3 years (minor suspensions)<\/strong> and <strong>6 years (suspensions for alcohol or judicial).<\/strong> Beyond that, it no longer affects your premium. SAAQ demerit points automatically disappear 2 years after the offence.  <\/div><\/details>\n<details class=\"wp-block-details\" style=\"border:1px solid #e2e8f0;border-radius:8px;margin:10px 0;padding:0;\"><summary style=\"background:#f8fafc;padding:14px 18px;cursor:pointer;font-weight:600;color:#0d1f2d;border-radius:8px 8px 0 0;\">Do I have to declare my suspension to my current insurer?<\/summary><div style=\"padding:16px 18px;color:#374151;line-height:1.7;\">Yes, under article 2466 of the Civil Code of Qu\u00e9bec, you must declare any aggravation of the risk. Failure to do so may result in the <strong>nullity of the contract<\/strong> and the refusal of compensation in the event of a claim. Your broker can often negotiate with your current insurer before you change firms.  <\/div><\/details>\n<details class=\"wp-block-details\" style=\"border:1px solid #e2e8f0;border-radius:8px;margin:10px 0;padding:0;\"><summary style=\"background:#f8fafc;padding:14px 18px;cursor:pointer;font-weight:600;color:#0d1f2d;border-radius:8px 8px 0 0;\">Which insurers in Quebec accept suspended licenses?<\/summary><div style=\"padding:16px 18px;color:#374151;line-height:1.7;\">Specialized <strong>sub-standard insurers<\/strong> in Quebec include Pafco, Echelon, Trillium, Optimum, JEVCO and National Security (a sub-standard subsidiary of Intact). Access is <strong>only through brokers<\/strong> \u2014 these companies do not sell directly. Our comparator brings together all these partners in a single submission.  <\/div><\/details>\n<details class=\"wp-block-details\" style=\"border:1px solid #e2e8f0;border-radius:8px;margin:10px 0;padding:0;\"><summary style=\"background:#f8fafc;padding:14px 18px;cursor:pointer;font-weight:600;color:#0d1f2d;border-radius:8px 8px 0 0;\">Can my current insurer refuse to renew me after a suspension?<\/summary><div style=\"padding:16px 18px;color:#374151;line-height:1.7;\">Yes. An insurer may refuse a renewal by sending <strong>30 days<\/strong> &#8216; notice before the expiry date (art. 2477 C.C.Q.). He can also terminate during the contract with 15 days&#8217; notice if the aggravation of the risk justifies it. In both cases, you need to find a new insurer without interruption \u2014 going through a broker avoids the &#8220;coverage break&#8221; that worsens your profile.  <\/div><\/details>\n<details class=\"wp-block-details\" style=\"border:1px solid #e2e8f0;border-radius:8px;margin:10px 0;padding:0;\"><summary style=\"background:#f8fafc;padding:14px 18px;cursor:pointer;font-weight:600;color:#0d1f2d;border-radius:8px 8px 0 0;\">Is the alcohol ignition interlock covered by my insurance?<\/summary><div style=\"padding:16px 18px;color:#374151;line-height:1.7;\">The installation and rental of the ignition interlock device (~$125\/month) is <strong>at your expense<\/strong> and not reimbursed by car insurance. However, the ignition interlock device has no negative impact on your premium \u2014 on the contrary, it often reassures the insurer that they can accept your file. <\/div><\/details>\n<details class=\"wp-block-details\" style=\"border:1px solid #e2e8f0;border-radius:8px;margin:10px 0;padding:0;\"><summary style=\"background:#f8fafc;padding:14px 18px;cursor:pointer;font-weight:600;color:#0d1f2d;border-radius:8px 8px 0 0;\">After how many years does my premium return to normal?<\/summary><div style=\"padding:16px 18px;color:#374151;line-height:1.7;\">For an SAAQ suspension (demerit points), allow <strong>2 to 3 years<\/strong> without incident to return to the regular market. For an alcohol-related suspension, <strong>4 to 6 years<\/strong> are usually required. Every year counts: have your premium recompared at renewal.  <\/div><\/details>\n<script type=\"application\/ld+json\">\n{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[\n{\"@type\":\"Question\",\"name\":\"Puis-je vraiment \u00eatre assur\u00e9 apr\u00e8s une suspension de permis au Qu\u00e9bec ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui. Tout conducteur titulaire d'un permis valide doit pouvoir s'assurer au Qu\u00e9bec. Si tous les assureurs r\u00e9guliers refusent votre dossier, le plan de r\u00e9partition des risques du GAA (\u00e9quivalent qu\u00e9b\u00e9cois du FAR) attribue obligatoirement un assureur. En pratique, un courtier sp\u00e9cialis\u00e9 r\u00e8gle 95 % des cas sans m\u00eame passer par le plan.\"}},\n{\"@type\":\"Question\",\"name\":\"Combien co\u00fbte l'assurance auto apr\u00e8s une suspension de permis ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Surprime de 15 \u00e0 30 % apr\u00e8s une suspension SAAQ pour points d'inaptitude, 50 \u00e0 200 % apr\u00e8s une suspension pour alcool, jusqu'\u00e0 +250 % apr\u00e8s une suspension judiciaire r\u00e9cente. Une prime annuelle de 950 $ peut grimper \u00e0 1 400-2 800 $ selon la gravit\u00e9, le v\u00e9hicule et la r\u00e9gion.\"}},\n{\"@type\":\"Question\",\"name\":\"Combien de temps une suspension reste-t-elle \u00e0 mon dossier d'assurance ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Les assureurs consultent votre dossier sur 3 ans pour les suspensions mineures et 6 ans pour les suspensions pour alcool ou judiciaires. Au-del\u00e0, elle n'affecte plus votre prime. Les points d'inaptitude SAAQ disparaissent automatiquement 2 ans apr\u00e8s l'infraction.\"}},\n{\"@type\":\"Question\",\"name\":\"Dois-je d\u00e9clarer ma suspension \u00e0 mon assureur actuel ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui. L'article 2466 du Code civil du Qu\u00e9bec exige la d\u00e9claration de toute aggravation du risque. Le d\u00e9faut peut entra\u00eener la nullit\u00e9 du contrat et le refus d'indemnisation en cas de r\u00e9clamation.\"}},\n{\"@type\":\"Question\",\"name\":\"Quels assureurs au Qu\u00e9bec acceptent les permis suspendus ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Les assureurs sous-standards sp\u00e9cialis\u00e9s au Qu\u00e9bec incluent Pafco, Echelon, Trillium, Optimum, JEVCO et S\u00e9curit\u00e9 Nationale. L'acc\u00e8s se fait uniquement par courtier ; ces compagnies ne vendent pas en direct.\"}},\n{\"@type\":\"Question\",\"name\":\"Mon assureur actuel peut-il refuser de me renouveler apr\u00e8s une suspension ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui. Un assureur peut refuser un renouvellement avec pr\u00e9avis de 30 jours avant l'\u00e9ch\u00e9ance (art. 2477 C.c.Q.), ou r\u00e9silier en cours de contrat avec pr\u00e9avis de 15 jours si l'aggravation du risque le justifie.\"}},\n{\"@type\":\"Question\",\"name\":\"L'antid\u00e9marreur \u00e9thylom\u00e9trique est-il couvert par mon assurance ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"L'installation et la location de l'antid\u00e9marreur (~125 $\/mois) sont \u00e0 votre charge et non rembours\u00e9es par l'assurance auto. L'antid\u00e9marreur n'a pas d'impact n\u00e9gatif sur la prime, il rassure souvent l'assureur.\"}},\n{\"@type\":\"Question\",\"name\":\"Apr\u00e8s combien d'ann\u00e9es ma prime redevient-elle normale ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Pour une suspension SAAQ pour points d'inaptitude, 2 \u00e0 3 ans sans incident suffisent pour retrouver le march\u00e9 r\u00e9gulier. Pour une suspension li\u00e9e \u00e0 l'alcool, 4 \u00e0 6 ans sont g\u00e9n\u00e9ralement n\u00e9cessaires.\"}}\n]}\n<\/script>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Ready-to-take-the-leap-Our-comparator-is-free\"><\/span>Ready to take the leap? Our comparator is free <span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:flex;gap:14px;flex-wrap:wrap;justify-content:center;margin:24px 0;\">\n  <a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-quote-7-2\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 32px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;\">Compare 30+ insurers for free<\/a>\n  <a href=\"\/2e-chance-assurance-auto\/\" style=\"background:transparent;color:#0d1f2d;padding:16px 32px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;border:2px solid #0d1f2d;\">Learn more about 2nd chance<\/a>\n<\/div>\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:16px;margin:32px 0;\">\n  <a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-3-minute-quote\/\" style=\"display:block;background:#f8fafc;border:1px solid #e2e8f0;border-radius:10px;padding:18px;text-decoration:none;color:#0d1f2d;\"><strong style=\"color:#10c4c7;display:block;margin-bottom:6px;font-size:13px;text-transform:uppercase;letter-spacing:1px;\">Related<\/strong>Auto Insurance Quebec<\/a>\n<a href=\"\/2e-chance-assurance-auto\/\" style=\"display:block;background:#f8fafc;border:1px solid #e2e8f0;border-radius:10px;padding:18px;text-decoration:none;color:#0d1f2d;\"><strong style=\"color:#10c4c7;display:block;margin-bottom:6px;font-size:13px;text-transform:uppercase;letter-spacing:1px;\">Related<\/strong>2nd Chance<\/a>\n Car Insurance<a href=\"https:\/\/www.assur360.ca\/en\/insurance-broker-get-a-quick-quote\/\" style=\"display:block;background:#f8fafc;border:1px solid #e2e8f0;border-radius:10px;padding:18px;text-decoration:none;color:#0d1f2d;\"><strong style=\"color:#10c4c7;display:block;margin-bottom:6px;font-size:13px;text-transform:uppercase;letter-spacing:1px;\">Related<\/strong>Find a Broker<\/a>    \n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>LICENCE SUSPENSION 2nd chance car insurance Partner firms specialising in cases of increased risk. Free quote, no obligation. Get My Quote \ud83d\udcde [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":72787,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_seopress_titles_title":"Car Insurance After Licence Suspension \u2014 2026 Quebec Rates","_seopress_titles_desc":"SAAQ suspension, alcohol or judicial? Compare 30+ sub-standard insurers in Quebec. Free quote in 3 minutes, 2nd chance broker.","_seopress_robots_index":"","_seopress_robots_follow":"","_seopress_robots_imageindex":"","_seopress_robots_snippet":"","_seopress_robots_primary_cat":"Array","_seopress_robots_breadcrumbs":"","_seopress_robots_freeze_modified_date":"","_seopress_robots_custom_modified_date":"","_seopress_robots_canonical":"","_seopress_social_fb_title":"Car Insurance After Licence Suspension \u2014 2026 Quebec Rates","_seopress_social_fb_desc":"SAAQ suspension, alcohol or judicial? Compare 30+ sub-standard insurers in Quebec. Free quote in 3 minutes, 2nd chance broker.","_seopress_social_fb_img":"https:\/\/www.assur360.ca\/wp-content\/uploads\/2026\/06\/assurance-auto-suspension-permis-quebec-2026.jpg","_seopress_social_fb_img_attachment_id":0,"_seopress_social_fb_img_width":0,"_seopress_social_fb_img_height":0,"_seopress_social_twitter_title":"Car Insurance After Licence Suspension \u2014 2026 Quebec Rates","_seopress_social_twitter_desc":"SAAQ suspension, alcohol or judicial? Compare 30+ sub-standard insurers in Quebec. 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