{"id":96588,"date":"2026-08-20T13:48:46","date_gmt":"2026-08-20T17:48:46","guid":{"rendered":"https:\/\/www.assur360.ca\/blog\/home-insurance-in-quebec-2\/fpq-5-for-used-vehicles-conditions-and-maximum-age-2026\/"},"modified":"2026-08-20T13:49:35","modified_gmt":"2026-08-20T17:49:35","slug":"fpq-5-for-used-vehicles-conditions-and-maximum-age-2026","status":"publish","type":"post","link":"https:\/\/www.assur360.ca\/en\/blog\/my-finances-2\/fpq-5-for-used-vehicles-conditions-and-maximum-age-2026\/","title":{"rendered":"FPQ 5 for used vehicles: conditions and maximum age 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\">Pre-Owned Vehicle \u2014 Quebec<\/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-for-used-vehicles-conditions-and-maximum-age-in-2026\"><\/span>FPQ 5 for used vehicles: conditions and maximum age 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\">Contrary to what we often hear, the FPQ 5 <strong style=\"color:#10c4c7\">is not reserved for new cars<\/strong>. A used vehicle up to 10 model years old may be eligible \u2014 here are the exact rules. <\/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\">Check eligibility for free<\/a>\n  <\/div>\n<\/section>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:17px;line-height:1.8;color:#334155\">Many Quebecers mistakenly think that replacement insurance only applies to new cars. The truth: Quebec Protection Form 5 (FPQ 5) accepts <strong>used vehicles<\/strong>, as long as they meet certain specific rules on model year, value and purchase channel. <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The-official-definition-of-a-used-vehicle\"><\/span>The official definition of a used vehicle<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-size:15px;line-height:1.7\">The FPQ 5 Program defines a <strong>used vehicle<\/strong> as a vehicle that has already been owned, registered or put into service, that is not new at the time of purchase, and that fulfills:<\/p>\n  <ul style=\"margin:0;padding-left:20px;color:#334155;line-height:1.7\">\n    <li>Model year <strong>of 10 years or newer<\/strong> ;<\/li>\n    <li>Purchase price of <strong>$150,000 or less<\/strong> ;<\/li>\n    <li>Purchased by <strong>private sale<\/strong>, OR from a licensed dealer for <strong>more than 60 days<\/strong>, OR sold as &#8220;new&#8221; at a dealer for <strong>more than 120 days<\/strong>.<\/li>\n  <\/ul>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How-the-insured-value-is-determined\"><\/span>How the insured value is determined<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\">Purchasing<\/th>\n situation<th style=\"padding:14px;text-align:left\">Source of value<\/th>      \n    <\/tr>\n  <\/thead>\n  <tbody>\n    <tr style=\"background:#f8fafc\"><td style=\"padding:12px;border-bottom:1px solid #e2e8f0\">At a dealer for <strong>\u2264 60 days<\/strong><\/td> Price <td style=\"padding:12px;border-bottom:1px solid #e2e8f0\">indicated on the sales contract<\/td><\/tr>\n    <tr><td style=\"padding:12px;border-bottom:1px solid #e2e8f0\">At a dealership for <strong>> 60 days<\/strong><\/td><td style=\"padding:12px;border-bottom:1px solid #e2e8f0\">AutoTrader Value (or equivalent)<\/td><\/tr>\n    <tr style=\"background:#f8fafc\"><td style=\"padding:12px;border-bottom:1px solid #e2e8f0\">By <strong>AutoTrader Value Private Sale<\/strong><\/td><td style=\"padding:12px;border-bottom:1px solid #e2e8f0\">(or equivalent)<\/td><\/tr>\n  <\/tbody>\n<\/table>\n<\/div>\n\n<p class=\"wp-block-paragraph\">This rule protects both parties: it prevents a buyer from insuring his vehicle for an inflated amount, and guarantees the insurer an objective basis of compensation. If you paid <strong>more than the AutoTrader rating<\/strong>, the difference is not covered. <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Coverage-periods-by-model-year\"><\/span>Coverage periods by model year<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\">Model year of the vehicle<\/th>\n      <th style=\"padding:14px;text-align:left\">Qualifying terms<\/th>\n    <\/tr>\n  <\/thead>\n  <tbody>\n    <tr style=\"background:#f8fafc\"><td style=\"padding:12px;border-bottom:1px solid #e2e8f0\">Years <strong>1 to 9<\/strong><\/td>, <td style=\"padding:12px;border-bottom:1px solid #e2e8f0\">24, 36, 48, 60, 72 or 84 months<\/td><\/tr>\n    <tr><td style=\"padding:12px;border-bottom:1px solid #e2e8f0\">Year <strong>10<\/strong><\/td>, <td style=\"padding:12px;border-bottom:1px solid #e2e8f0\">24, 36, 48 or 60 months only<\/td><\/tr>\n  <\/tbody>\n<\/table>\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\">If you buy a used vehicle that is more than 5 years old, choose a term that does not exceed the maximum eligible age. Example: a Model Year 7 vehicle with a QPF 5 of 48 months protects until the vehicle reaches Model Year 11 \u2014 this is consistent with the Program limit. <\/p>\n  <\/div>\n<\/section>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Concrete-cases-of-eligibility\"><\/span>Concrete cases of eligibility<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin:24px 0\">\n  <div style=\"background:#f8fafc;border-radius:12px;padding:24px;border-top:4px solid #10c4c7\">\n    <h3 style=\"margin:0 0 8px;font-size:16px;color:#0d1f2d\">\u2705 2022 Honda Civic (used)<\/h3>\n    <p style=\"margin:0;color:#475569;font-size:14px;line-height:1.6\">Purchased from dealership in 2026 \u2014 model year 4, AutoTrader value $22,000. <strong>Eligible for up to 84 months<\/strong>.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border-radius:12px;padding:24px;border-top:4px solid #10c4c7\">\n    <h3 style=\"margin:0 0 8px;font-size:16px;color:#0d1f2d\">\u2705 2017 Ford F-150<\/h3>\n    <p style=\"margin:0;color:#475569;font-size:14px;line-height:1.6\">Purchased privately \u2014 model year 9, AutoTrader value $28,000. <strong>Eligible for up to 84 months<\/strong>.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border-radius:12px;padding:24px;border-top:4px solid #10c4c7\">\n    <h3 style=\"margin:0 0 8px;font-size:16px;color:#0d1f2d\">\u26a0\ufe0f 2016 Toyota Corolla<\/h3>\n    <p style=\"margin:0;color:#475569;font-size:14px;line-height:1.6\">Model Year 10 \u2014 still eligible, but <strong>limited to a maximum of 60 months<\/strong>.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border-radius:12px;padding:24px;border-top:4px solid #10c4c7\">\n    <h3 style=\"margin:0 0 8px;font-size:16px;color:#0d1f2d\">\u274c 2015 BMW X5<\/h3>\n    <p style=\"margin:0;color:#475569;font-size:14px;line-height:1.6\">Model year 11 in 2026 \u2014 <strong>not eligible<\/strong> for QPF 5.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border-radius:12px;padding:24px;border-top:4px solid #10c4c7\">\n    <h3 style=\"margin:0 0 8px;font-size:16px;color:#0d1f2d\">\u274c Used Porsche 911 at $180K<\/h3>\n    <p style=\"margin:0;color:#475569;font-size:14px;line-height:1.6\">Exceeds <strong>the $150,000<\/strong> limit \u2014 not eligible regardless of age.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border-radius:12px;padding:24px;border-top:4px solid #10c4c7\">\n    <h3 style=\"margin:0 0 8px;font-size:16px;color:#0d1f2d\">\u274c Uber or Lyft<\/h3>\n    <p style=\"margin:0;color:#475569;font-size:14px;line-height:1.6\">Vehicle used for paid carpooling \u2014 <strong>excluded<\/strong> , regardless of age or value.<\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Is-it-really-useful-on-a-used-vehicle\"><\/span>Is it really useful on a used vehicle?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Yes, especially in two cases:<\/p>\n\n<div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:20px;margin:24px 0\">\n  <div style=\"background:#f8fafc;border-left:4px solid #10c4c7;border-radius:0 12px 12px 0;padding:24px\">\n    <h3 style=\"margin:0 0 10px;color:#0d1f2d;font-size:17px\">\ud83c\udfe6 Long-term financing<\/h3>\n    <p style=\"margin:0;color:#334155;font-size:14px;line-height:1.6\">If you finance your used car over 60-84 months, the loan balance can exceed the cash value for several years. FPQ 5 bridges the gap and avoids assuming debt on a destroyed vehicle. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border-left:4px solid #10c4c7;border-radius:0 12px 12px 0;padding:24px\">\n    <h3 style=\"margin:0 0 10px;color:#0d1f2d;font-size:17px\">\ud83d\udcc9 Vehicle with high depreciation<\/h3>\n    <p style=\"margin:0;color:#334155;font-size:14px;line-height:1.6\">Some makes and models (high-end SUVs, EVs, trucks) lose 30-40% in 2-3 years. The FPQ 5 guarantees you a value equivalent to the original vehicle. <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently-Asked-Questions-%E2%80%94-Used-Vehicles\"><\/span>Frequently Asked Questions \u2014 Used Vehicles<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\">Is a vehicle purchased from a private individual eligible?<\/summary>\n    <div style=\"padding:0 20px 16px;color:#475569;line-height:1.6\">Yes, as long as it meets the criteria of the Program (model year 10 years max, price \u2264 $150,000). The insured value will be based on the AutoTrader rating. <\/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\">What happens in the event of a total loss on a used vehicle?<\/summary>\n    <div style=\"padding:0 20px 16px;color:#475569;line-height:1.6\">The FPQ 5 insurer supplements the indemnity of your FPQ 1 policy to allow you to obtain a used vehicle <strong>equivalent in age, category and options<\/strong>. The exact formula depends on the contract signed. <\/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 take out an FPQ 5 months after the purchase of the used one?<\/summary>\n    <div style=\"padding:0 20px 16px;color:#475569;line-height:1.6\">Yes, but eligibility is always based on the model year and value at the time of purchase. The longer you wait, the less you get from it. <\/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 a vehicle remanufactured eligible?<\/summary>\n    <div style=\"padding:0 20px 16px;color:#475569;line-height:1.6\">Remanufactured vehicles are generally <strong>refused<\/strong> by FPQ 5 insurers, due to the increased risk and valuation difficulties.<\/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 price higher for a used car?<\/summary>\n    <div style=\"padding:0 20px 16px;color:#475569;line-height:1.6\">For the same value, the premium for a used FPQ 5 is <strong>slightly higher<\/strong> than that of a new one \u2014 the insurer incorporates the higher risk associated with an older vehicle.<\/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=\"Is-your-used-car-eligible\"><\/span>Is your used car eligible?<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 verify eligibility in 3 minutes and compare prices across multiple insurers.<\/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\">Check for free<\/a>\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 Program 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\">Detailed ranges by value.<\/span>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/blog\/my-finances-2\/fpq-5-vs-endorsement-43a-vs-43d-which-one-to-choose-in-2026\/\" 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 vs 43A vs 43D<\/strong>\n    <span style=\"color:#64748b;font-size:14px\">Comparison of the 3 protections.<\/span>\n  <\/a>\n<\/div>\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[\n{\"@type\":\"Question\",\"name\":\"Un v\u00e9hicule achet\u00e9 d'un particulier est-il admissible au FPQ 5 ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui, tant qu'il respecte les crit\u00e8res du Programme : ann\u00e9e-mod\u00e8le 10 ans ou moins et prix inf\u00e9rieur \u00e0 150 000 $. 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