{"id":96584,"date":"2026-08-20T13:48:39","date_gmt":"2026-08-20T17:48:39","guid":{"rendered":"https:\/\/www.assur360.ca\/blog\/home-insurance-in-quebec-2\/fpq-5-vs-endorsement-43a-vs-43d-which-one-to-choose-in-2026\/"},"modified":"2026-08-20T13:48:55","modified_gmt":"2026-08-20T17:48:55","slug":"fpq-5-vs-endorsement-43a-vs-43d-which-one-to-choose-in-2026","status":"publish","type":"post","link":"https:\/\/www.assur360.ca\/en\/blog\/my-finances-2\/fpq-5-vs-endorsement-43a-vs-43d-which-one-to-choose-in-2026\/","title":{"rendered":"FPQ 5 vs Endorsement 43A vs 43D: which one to choose in 2026?"},"content":{"rendered":"\n<style>#ez-toc-container{display:none!important}<\/style>\n\n<section style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);color:#fff;padding:64px 24px;border-radius:16px;text-align:center;margin-bottom:32px\">\n  <div style=\"max-width:900px;margin:0 auto\">\n    <span style=\"display:inline-block;background:rgba(16,196,199,.15);color:#10c4c7;padding:6px 14px;border-radius:999px;font-size:13px;font-weight:600;letter-spacing:.5px;text-transform:uppercase;margin-bottom:16px\">Car Insurance Comparison<\/span>\n    <h1 style=\"font-size:40px;line-height:1.15;margin:0 0 16px;color:#fff;font-weight:800\"><span class=\"ez-toc-section\" id=\"FPQ-5-Endorsement-43A-or-43D-Which-one-to-choose-in-2026\"><\/span>FPQ 5, Endorsement 43A or 43D: Which one to choose in 2026?<span class=\"ez-toc-section-end\"><\/span><\/h1>\n    <p style=\"font-size:18px;color:#cbd5e1;max-width:720px;margin:0 auto 28px;line-height:1.6\">Three different types of protection against the loss of value of your vehicle. All useful, but in very different situations. Here is the clear comparison and use cases.  <\/p>\n    <a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-quote-7-2\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:14px 28px;border-radius:8px;text-decoration:none;font-weight:700;font-size:16px;display:inline-block\">Compare coverage for free<\/a>\n  <\/div>\n<\/section>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:17px;line-height:1.8;color:#334155\">You have just bought a vehicle in Quebec and your broker \u2014 or dealer \u2014 offers you a &#8221; <strong>replacement cost<\/strong> .&#8221; There are three formulas: the <strong>FPQ 5<\/strong> contract, the <strong>43A endorsement<\/strong> and the <strong>43D endorsement<\/strong>. They look similar at first glance, but each has its own rules, duration, mechanism and cost. This guide helps you choose the right formula for your situation.   <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The-comparison-in-a-table\"><\/span>The comparison in a table<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"overflow-x:auto;margin:24px 0\">\n<table style=\"width:100%;border-collapse:collapse;font-size:15px\">\n  <thead>\n    <tr style=\"background:#0d1f2d;color:#fff\">\n      <th style=\"padding:14px;text-align:left\">Feature<\/th>\n      <th style=\"padding:14px;text-align:left\">FPQ 5<\/th>\n      <th style=\"padding:14px;text-align:left\">Endorsement 43A<\/th>\n      <th style=\"padding:14px;text-align:left\">Endorsement 43D<\/th>\n    <\/tr>\n  <\/thead>\n  <tbody>\n    <tr style=\"background:#f8fafc\"><td style=\"padding:12px;border-bottom:1px solid #e2e8f0\"><strong>Legal<\/strong><\/td> <td style=\"padding:12px;border-bottom:1px solid #e2e8f0\"><strong>Stand-alone<\/strong>Contract<\/td><td style=\"padding:12px;border-bottom:1px solid #e2e8f0\">Auto Policy Endorsement<\/td><td style=\"padding:12px;border-bottom:1px solid #e2e8f0\">Auto Policy Endorsement<\/td><\/tr>\n    <tr><td style=\"padding:12px;border-bottom:1px solid #e2e8f0\"><strong>Eligible vehicles<\/strong><\/td><td style=\"padding:12px;border-bottom:1px solid #e2e8f0\">New, demo, used up to 10 years<\/td><td style=\"padding:12px;border-bottom:1px solid #e2e8f0\">New only<\/td><td style=\"padding:12px;border-bottom:1px solid #e2e8f0\">New and recent used<\/td><\/tr>\n    <tr style=\"background:#f8fafc\"><td style=\"padding:12px;border-bottom:1px solid #e2e8f0\"><strong>Duration<\/strong><\/td><td style=\"padding:12px;border-bottom:1px solid #e2e8f0\">24 to 84 months depending on vehicle<\/td><td style=\"padding:12px;border-bottom:1px solid #e2e8f0\">Often 24 months \/ 40,000 km<\/td><td style=\"padding:12px;border-bottom:1px solid #e2e8f0\">24 to 60 months<\/td><\/tr>\n    <tr><td style=\"padding:12px;border-bottom:1px solid #e2e8f0\"><strong>Premium Payment<\/strong><\/td><td style=\"padding:12px;border-bottom:1px solid #e2e8f0\">Cash, 3 instalments or monthly for up to 60 months<\/td><td style=\"padding:12px;border-bottom:1px solid #e2e8f0\">Included in annual car premium<\/td><td style=\"padding:12px;border-bottom:1px solid #e2e8f0\">Included in annual car premium<\/td><\/tr>\n    <tr style=\"background:#f8fafc\"><td style=\"padding:12px;border-bottom:1px solid #e2e8f0\"><strong>Impact on Auto<\/strong><\/td><td style=\"padding:12px;border-bottom:1px solid #e2e8f0\">\u2705 Policy None \u2014 separate<\/td><td style=\"padding:12px;border-bottom:1px solid #e2e8f0\">\u26a0\ufe0f contract Can affect history<\/td><td style=\"padding:12px;border-bottom:1px solid #e2e8f0\">\u26a0\ufe0f Can affect history<\/td><\/tr>\n    <tr><td style=\"padding:12px;border-bottom:1px solid #e2e8f0\"><strong>Long-term<\/strong><\/td><td style=\"padding:12px;border-bottom:1px solid #e2e8f0\">\u2705 rental Compatible<\/td><td style=\"padding:12px;border-bottom:1px solid #e2e8f0\">\u274c Not<\/td><td style=\"padding:12px;border-bottom:1px solid #e2e8f0\">\u2705 compatible<\/td><\/tr>\n    <tr style=\"background:#f8fafc\"><td style=\"padding:12px;border-bottom:1px solid #e2e8f0\"><strong>Early termination<\/strong><\/td><td style=\"padding:12px;border-bottom:1px solid #e2e8f0\">Yes, prorated repayment<\/td><td style=\"padding:12px;border-bottom:1px solid #e2e8f0\">Yes, policy amendment<\/td><td style=\"padding:12px;border-bottom:1px solid #e2e8f0\">Yes, policy amendment Yes, policy amendment<\/td><\/tr>\n    <tr><td style=\"padding:12px;border-bottom:1px solid #e2e8f0\"><strong>Renewable<\/strong><\/td><td style=\"padding:12px;border-bottom:1px solid #e2e8f0\">\u274c No<\/td><td style=\"padding:12px;border-bottom:1px solid #e2e8f0\">\u2705 Yes, with the car<\/td><td style=\"padding:12px;border-bottom:1px solid #e2e8f0\">\u2705 policy Yes, with the car policy<\/td><\/tr>\n  <\/tbody>\n<\/table>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"When-to-choose-the-FPQ-5\"><\/span>When to choose the FPQ 5<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"background:#f0fdfa;border:1px solid #10c4c7;border-radius:12px;padding:24px;margin:24px 0\">\n  <p style=\"margin:0 0 12px;color:#0d1f2d;font-weight:700\">\u2705 FPQ 5 is the right choice if:<\/p>\n  <ul style=\"margin:0;padding-left:20px;color:#334155;line-height:1.7\">\n    <li>You want the <strong>claim not to penalise your file<\/strong> with the car insurer (independent contract);<\/li>\n    <li>You are buying a <strong>used vehicle that is 10 years old or less<\/strong> (only FPQ 5 covers it);<\/li>\n    <li>You want a <strong>long term (72 or 84 months)<\/strong> \u2014 not possible with 43A or 43D;<\/li>\n    <li>You are in <strong>a long-term rental<\/strong> and want a fixed term that follows your lease;<\/li>\n    <li>You want to <strong>pay the premium at once<\/strong> (often financed with the car loan) rather than see it increase every year.<\/li>\n  <\/ul>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"When-Endorsement-43A-is-preferable\"><\/span>When Endorsement 43A is preferable<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">The <strong>43A<\/strong> is an endorsement <strong>added directly to your FPQ 1 policy<\/strong>. It pays off the replacement cost over a short period of time \u2014 typically <strong>24 months or 40,000 km, whichever comes first<\/strong>. After this period, the coverage switches to a sliding scale.  <\/p>\n\n<div style=\"background:#f8fafc;border-left:4px solid #10c4c7;border-radius:0 12px 12px 0;padding:20px;margin:24px 0\">\n  <p style=\"margin:0 0 8px;color:#0d1f2d;font-weight:700\">Choose 43A if:<\/p>\n  <ul style=\"margin:0;padding-left:20px;color:#334155;line-height:1.7\">\n    <li>You buy a <strong>new<\/strong> vehicle and plan to replace it within 2 to 3 years;<\/li>\n    <li>You don&#8217;t drive much (less than 20,000 km\/year) \u2014 the 40k km window remains protective;<\/li>\n    <li>You&#8217;re comfortable having <strong>the premium added to your car policy<\/strong> (and the claim can appear there).<\/li>\n  <\/ul>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"When-the-43D-endorsement-is-right\"><\/span>When the 43D endorsement is right<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">The <strong>43D<\/strong> is closer to the FPQ 5 in its mechanism: fixed duration of 24 to 60 months, valid for new or used. The major difference: there is still an <strong>endorsement on the car policy<\/strong>, so the claim impacts your file and its premium. <\/p>\n\n<div style=\"background:#f8fafc;border-left:4px solid #10c4c7;border-radius:0 12px 12px 0;padding:20px;margin:24px 0\">\n  <p style=\"margin:0 0 8px;color:#0d1f2d;font-weight:700\">Choose 43D if:<\/p>\n  <ul style=\"margin:0;padding-left:20px;color:#334155;line-height:1.7\">\n    <li>Your insurer does not offer FPQ 5 directly (or at a competitive price);<\/li>\n    <li>You want <strong>to centralize everything in one policy<\/strong> and pay annually;<\/li>\n    <li>The maximum term of <strong>60 months is sufficient for you<\/strong> (no need for 72 or 84 months).<\/li>\n  <\/ul>\n<\/div>\n\n<section 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\">The broker&#8217;s advice<\/p>\n    <p style=\"color:#94a3b8;font-size:14px;margin:0;line-height:1.7\">On a vehicle <strong style=\"color:#fff\">valued \u2265 $40,000<\/strong> held for more than 3 years, the FPQ 5 is almost always the most flexible and economical option in the long run. On a vehicle under $25,000 for 2 years, a simple 43A is often enough. Always ask for all 3 prices to compare.  <\/p>\n  <\/div>\n<\/section>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Compare-before-you-sign\"><\/span>Compare before you sign<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Dealers often offer only one package \u2014 usually the one with which they have a commercial agreement. An independent brokerage firm compares the 3 coverages with <strong>several insurers authorized by the AMF<\/strong> and shows you the real price differences. Compare takes 3 minutes and can save <strong>several hundred dollars<\/strong> over the total time.  <\/p>\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=\"display:flex;flex-direction:column;gap:12px;margin:24px 0\">\n  <details style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:10px\">\n    <summary style=\"padding:16px 20px;cursor:pointer;font-weight:600;color:#0d1f2d\">Can I combine FPQ 5 and a 43A or 43D endorsement?<\/summary>\n    <div style=\"padding:0 20px 16px;color:#475569;line-height:1.6\">No. Only one replacement cost coverage can apply to the same vehicle. Its purpose is to compensate for your loss, not to generate a profit.  <\/div>\n  <\/details>\n  <details style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:10px\">\n    <summary style=\"padding:16px 20px;cursor:pointer;font-weight:600;color:#0d1f2d\">Is FPQ 5 still more expensive than 43A?<\/summary>\n    <div style=\"padding:0 20px 16px;color:#475569;line-height:1.6\">Not necessarily. Over 5 years, the sum of the 43A premiums added each year can exceed the price of an FPQ 5 paid at once, especially if your car premium increases along the way. <\/div>\n  <\/details>\n  <details style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:10px\">\n    <summary style=\"padding:16px 20px;cursor:pointer;font-weight:600;color:#0d1f2d\">Can I change my mind after signing a 43A?<\/summary>\n    <div style=\"padding:0 20px 16px;color:#475569;line-height:1.6\">Yes, by changing your car insurance policy. You can withdraw a 43A and purchase an FPQ 5 separately \u2014 the broker adjusts the car premium. <\/div>\n  <\/details>\n  <details style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:10px\">\n    <summary style=\"padding:16px 20px;cursor:pointer;font-weight:600;color:#0d1f2d\">Is the 43D mandatory for a long-term rental vehicle?<\/summary>\n    <div style=\"padding:0 20px 16px;color:#475569;line-height:1.6\">No, but either the 43D or the FPQ 5 is strongly recommended: without, in the event of a total loss, you will have to absorb the difference between the actual value of the loss and the balance of the rental contract.<\/div>\n  <\/details>\n  <details style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:10px\">\n    <summary style=\"padding:16px 20px;cursor:pointer;font-weight:600;color:#0d1f2d\">Where can I take out these protections?<\/summary>\n    <div style=\"padding:0 20px 16px;color:#475569;line-height:1.6\">At any <strong>damage insurance firm registered with the AMF<\/strong>, or at your dealership (which then acts as an intermediary for a given insurer).<\/div>\n  <\/details>\n<\/div>\n\n<section style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);color:#fff;padding:48px 24px;border-radius:16px;text-align:center;margin:40px 0\">\n  <h2 style=\"font-size:28px;margin:0 0 12px;color:#fff\"><span class=\"ez-toc-section\" id=\"Not-sure-which-formula-to-choose\"><\/span>Not sure which formula to choose?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"font-size:16px;color:#cbd5e1;max-width:640px;margin:0 auto 28px\">Our brokers compare FPQ 5, 43A and 43D with several insurers for your exact situation. No fees, no commitments. <\/p>\n  <div style=\"display:flex;gap:12px;justify-content:center;flex-wrap:wrap\">\n    <a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-quote-7-2\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:14px 28px;border-radius:8px;text-decoration:none;font-weight:700\">Get a Comparison<\/a>\n    <a href=\"tel:18663574451\" style=\"background:transparent;color:#fff;padding:14px 28px;border-radius:8px;text-decoration:none;font-weight:700;border:2px solid #fff\">\ud83d\udcde 1-866-357-4451<\/a>\n  <\/div>\n<\/section>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"To-go-further\"><\/span>To go further<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:16px;margin:24px 0\">\n  <a href=\"https:\/\/www.assur360.ca\/en\/blog\/my-finances-2\/cime-replacement-insurance-2\/\" style=\"display:block;padding:20px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;text-decoration:none;color:#0d1f2d;border-top:4px solid #10c4c7\">\n    <strong style=\"display:block;margin-bottom:6px;font-size:16px\">Complete FPQ 5<\/strong>\n Guide<span style=\"color:#64748b;font-size:14px\">All the rules of the replacement contract in Quebec.<\/span>    \n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/blog\/mes-finances\/prix-fpq5-2026-simulateur\/\" style=\"display:block;padding:20px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;text-decoration:none;color:#0d1f2d;border-top:4px solid #10c4c7\">\n    <strong style=\"display:block;margin-bottom:6px;font-size:16px\">FPQ 5 Award in 2026<\/strong>\n    <span style=\"color:#64748b;font-size:14px\">Ranges by value, term, and payment options.<\/span>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/blog\/mes-finances\/fpq5-vehicule-occasion-usage\/\" style=\"display:block;padding:20px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;text-decoration:none;color:#0d1f2d;border-top:4px solid #10c4c7\">\n    <strong style=\"display:block;margin-bottom:6px;font-size:16px\">FPQ 5 Pre-Owned<\/strong>\n Vehicle<span style=\"color:#64748b;font-size:14px\">Max age, AutoTrader value, qualifying times.<\/span>    \n  <\/a>\n<\/div>\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[\n{\"@type\":\"Question\",\"name\":\"Peut-on cumuler FPQ 5 et un avenant 43A ou 43D ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Non. Une seule protection de type valeur \u00e0 neuf peut s'appliquer \u00e0 un m\u00eame v\u00e9hicule.\"}},\n{\"@type\":\"Question\",\"name\":\"Le FPQ 5 est-il toujours plus cher que le 43A ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Pas n\u00e9cessairement. Sur 5 ans, la somme des primes 43A peut d\u00e9passer le prix d'un FPQ 5 pay\u00e9 d'un coup, surtout si la prime auto augmente.\"}},\n{\"@type\":\"Question\",\"name\":\"Puis-je changer d'avis apr\u00e8s avoir sign\u00e9 un 43A ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui, en modifiant votre police d'assurance auto. Vous pouvez retirer un 43A et souscrire un FPQ 5 s\u00e9par\u00e9ment.\"}},\n{\"@type\":\"Question\",\"name\":\"Le 43D est-il obligatoire pour un v\u00e9hicule en location longue dur\u00e9e ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Non, mais un FPQ 5 ou un 43D est fortement recommand\u00e9 pour \u00e9viter d'\u00e9ponger la diff\u00e9rence entre la valeur au jour du sinistre et le solde du bail.\"}},\n{\"@type\":\"Question\",\"name\":\"O\u00f9 puis-je souscrire ces protections ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Chez tout cabinet en assurance de dommages inscrit \u00e0 l'AMF, ou chez votre concessionnaire agissant comme interm\u00e9diaire d'un assureur donn\u00e9.\"}}\n]}\n<\/script><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"BreadcrumbList\",\"itemListElement\":[\n{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\/\/www.assur360.ca\/\"},\n{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Blog\",\"item\":\"https:\/\/www.assur360.ca\/blog\/\"},\n{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Mes finances\",\"item\":\"https:\/\/www.assur360.ca\/blog\/mes-finances\/\"},\n{\"@type\":\"ListItem\",\"position\":4,\"name\":\"FPQ 5 vs 43A vs 43D\",\"item\":\"https:\/\/www.assur360.ca\/blog\/mes-finances\/fpq5-vs-avenant-43a-43d\/\"}\n]}\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>A clear comparison of the three replacement cost coverages available in Quebec in 2026 \u2014 FPQ 5, endorsement 43A and 43D \u2014 with use cases and advice.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_seopress_titles_title":"FPQ 5 vs 43A vs 43D Endorsement: the 2026 comparison | Assur360","_seopress_titles_desc":"Which replacement value to choose in Quebec? 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