{"id":98667,"date":"2026-08-24T12:15:00","date_gmt":"2026-08-24T16:15:00","guid":{"rendered":"https:\/\/www.assur360.ca\/blog\/home-insurance-in-quebec-2\/endorsement-faq-34-in-quebec-2026-replacement-vehicle-cost-and-effective-date\/"},"modified":"2026-08-24T12:15:40","modified_gmt":"2026-08-24T16:15:40","slug":"endorsement-faq-34-in-quebec-2026-replacement-vehicle-cost-and-effective-date","status":"publish","type":"post","link":"https:\/\/www.assur360.ca\/en\/blog\/my-finances-2\/endorsement-faq-34-in-quebec-2026-replacement-vehicle-cost-and-effective-date\/","title":{"rendered":"Endorsement FAQ 34 in Quebec 2026: replacement vehicle, cost and effective date"},"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;\">Are you involved in an accident in Quebec and your car is immobilized for three weeks? Without <strong>the FAQ 34 endorsement<\/strong>, you pay for the rental out of pocket \u2014 often $40 to $70\/day. Our <strong>AMF-certified Assur360 brokers<\/strong> explain how this endorsement works in 2026, how much it costs, the 3 subcategories 34a\/34b\/34c and when it&#8217;s really worth it.  <\/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 34<\/p>\n  <h2 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\"><span class=\"ez-toc-section\" id=\"Dont-pay-for-your-courtesy-car-anymore\"><\/span>Don&#8217;t pay for your courtesy car anymore<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Compare the FAQs 34 endorsements available from our Quebec insurance partners.<\/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;\">Free quote<\/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;\">$30-70<\/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;\">3 subcats.<\/div><div style=\"color:#64748b;font-size:13px;\">34a \/ 34b \/ 34c<\/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;\">$1,200<\/div><div style=\"color:#64748b;font-size:13px;\">Standard Overall Limit<\/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;\">Frankness<\/div><\/div><\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The-3-categories-of-FAQ-34-amendment-in-2026\"><\/span>The 3 categories of FAQ 34 amendment in 2026<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;\">FAQ 34a \u2014 Rental only<\/h3><p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Covers the rental of a vehicle during repairs. The most economical formula, suitable for urban areas with public transport available. <\/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\ude8c<\/div><h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">FAQ 34b \u2014 Public Transportation<\/h3><p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Reimburse taxi, bus and transportation costs when rental is not required. Useful for customers who prefer Uber or bus. <\/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\ude99<\/div><h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">FAQ 34c \u2014 Full Combination<\/h3><p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Transportation rental <strong>and<\/strong> reimbursement with more generous limits. Default choice for the majority of our Assur360 customers. <\/p><\/div><\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How-to-get-your-replacement-vehicle\"><\/span>How to get your replacement vehicle<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;\">Report the claim to your insurer<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Contact your insurer or broker as soon as the accident occurs. Mention that you have the FAQ 34 addendum and request immediate activation. <\/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;\">Get Rental Authorization<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">The insurer confirms the authorized vehicle category (compact, midsize, SUV) according to your daily limit.<\/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;\">Pick up the vehicle from a partner rental company<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Insurers have agreements with Enterprise, Discount or Hertz. You don&#8217;t advance money \u2014 the bill goes directly to the insurer. <\/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;\">Return the vehicle when the repairs are complete<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">As soon as your car is ready, you return the lease. Coverage ends automatically. <\/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;\">Our broker&#8217;s advice<\/p>\n    <p style=\"color:#94a3b8;font-size:14px;margin:0;line-height:1.6;\">For most Quebecers, the <strong style=\"color:#ffffff;\">FAQ 34c rider with a limit of $1,500 overall<\/strong> and $45-50\/day is the best choice \u2014 you&#8217;re covered for more than 30 days and for almost any scenario (accident, theft, fire).<\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Indicative-prices-FAQ-34-in-2026-in-Quebec\"><\/span>Indicative prices FAQ 34 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;\">Category<\/th><th style=\"padding:14px 16px;text-align:left;border:none;\">Daily Limit<\/th><th style=\"padding:14px 16px;text-align:left;border:none;\">Overall Limit<\/th><th style=\"padding:14px 16px;text-align:left;border:none;\">Annual Cost*<\/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;\">FAQ 34a \u2014 Economy<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$30\/day<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$900 $<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">30-$40<\/td><\/tr><tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;font-weight:600;color:#0d1f2d;\">FAQ 34a \u2014 standard<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$45\/day<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$1,200 $<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">45-$55<\/td><\/tr><tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;font-weight:600;color:#0d1f2d;\">FAQ 34c \u2014 full<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$45\/day<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$1,500 $<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">55-65<\/td><\/tr><tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;font-weight:600;color:#0d1f2d;\">FAQ 34c \u2014 extended<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$60\/day<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$1,800<\/td>$<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">65-75<\/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: waiting period in case of theft<\/p>\n    <p style=\"color:#7f1d1d;font-size:14px;margin:0;line-height:1.6;\">Some insurers impose a period of <strong>24 to 72 hours<\/strong> before the FAQ 34 endorsement is activated in the event of theft of the vehicle. Confirm this detail with your broker before subscribing. <\/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;\">Compare your endorsements<\/p>\n  <h3 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\">Add the FAQ 34 endorsement to your car policy<\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Our brokers compare categories 34a, 34b, 34c with several insurers \u2014 free in 3 min.<\/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=\"Amendment-FAQ-34-vs-other-popular-amendments\"><\/span>Amendment FAQ 34 vs other popular amendments<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\udccb<\/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. Covers rental during repairs. Best ROI among all car endorsements.  <\/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\ude99<\/div><h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">FPQ 5 \u2014 Replacement Cost<\/h3><p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">$150-400\/year. Repays replacement cost in the event of a total loss for the first 24-60 months. <\/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;\">\ud83c\udf0e<\/div><h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">FAQ 20 \u2014 Driving outside Quebec<\/h3><p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">$20-50\/year. Expands coverage to the U.S. and out-of-province Canada. <\/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 34 endorsement and other auto 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\/my-finances-2\/fpq-5-vs-endorsement-43a-vs-43d-which-one-to-choose-in-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;\">FPQ 5 vs 43A vs 43D Endorsement<\/h3><p style=\"color:#64748b;font-size:14px;margin:0;\">Compare the 3 replacement cost coverage available in Quebec.<\/p><\/a><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;\">Coverage for damage to the vehicle you rent or borrow.<\/p><\/a><a href=\"\/blog\/mes-finances\/avenant-faq-20-conduite-hors-quebec\/\" 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 United States and other provinces.<\/p><\/a><a href=\"https:\/\/www.assur360.ca\/en\/blog\/my-finances-2\/2026-fpq-5-price-ranges-by-value-and-duration\/\" 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;\">FPQ 5 Award in 2026<\/h3><p style=\"color:#64748b;font-size:14px;margin:0;\">Price ranges and concrete examples for replacement cost protection.<\/p><\/a><\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently-asked-questions-about-the-FAQ-34-amendment\"><\/span>Frequently asked questions about the FAQ 34 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 34 addendum?<\/summary><div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">The FAQ 34 endorsement gives you access to a replacement vehicle when your car is immobilized following a covered loss (accident, theft, fire). Without this endorsement, you have to pay for your courtesy car out of pocket while the repairs are being made. <\/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;\">What is the difference between FAQ 34a, 34b and 34c?<\/summary><div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">FAQ 34a covers vehicle rental only. FAQ 34b adds the cost of public transport or taxi. FAQ 34c covers rental and reimbursement of transportation costs, with more generous daily and overall limits.  <\/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 34 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 34 endorsement costs between $30 and $70 per year depending on the category chosen, the limits ($30\/day, $45\/day, etc.) and the insurer. It is one of the most profitable endorsements on the market. <\/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 many rental days are covered?<\/summary><div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">The duration depends on the overall limit chosen (often $900, $1,200 or $1,500). At $45\/day and $1,500 overall limit, you&#8217;re covered for about 33 days \u2014 more than enough for most repairs. <\/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 the deductible apply to the FAQ 34 addendum?<\/summary><div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">No, the FAQ 34 addendum does not have a deductible. As soon as your main claim is eligible, the insurer will cover the rental without deduction, up to the daily and overall limit of your contract. <\/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 the FAQ 34 addendum apply in the event of theft?<\/summary><div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Yes, the FAQ 34 endorsement is activated for any loss covered by your Chapter B (damage to the vehicle), including theft, fire, vandalism, collision with or without liability. However, check that a waiting period of 24-72 hours may apply in the event of theft. <\/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 choose the rental car myself?<\/summary><div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">You choose the category (compact, midsize, SUV) according to the daily limit of your endorsement. Insurers often have agreements with rental companies (Enterprise, Discount, Hertz) that simplify the process and invoicing. <\/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;\">Is the FAQ 34 addendum worth the cost?<\/summary><div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">For $30-70\/year, the FAQ 34 endorsement is one of the best cost\/benefit ratios in car insurance. A single uncovered rental day often costs more than the annual premium. Our Assur360 brokers recommend this endorsement to almost all of our clients.  <\/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 34 ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"L'avenant FAQ 34 vous donne acc\u00e8s \u00e0 un v\u00e9hicule de remplacement lorsque votre auto est immobilis\u00e9e \u00e0 la suite d'un sinistre couvert (accident, vol, incendie). Sans cet avenant, vous devez payer votre voiture de courtoisie de votre poche pendant les r\u00e9parations.\"}}, {\"@type\": \"Question\", \"name\": \"Quelle est la diff\u00e9rence entre FAQ 34a, 34b et 34c ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"FAQ 34a couvre la location de v\u00e9hicule seulement. FAQ 34b ajoute les frais de transport en commun ou taxi. FAQ 34c couvre location et remboursement de frais de transport, avec limites journali\u00e8re et globale plus g\u00e9n\u00e9reuses.\"}}, {\"@type\": \"Question\", \"name\": \"Combien co\u00fbte l'avenant FAQ 34 au Qu\u00e9bec en 2026 ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"En 2026, l'avenant FAQ 34 co\u00fbte entre 30 $ et 70 $ par ann\u00e9e selon la cat\u00e9gorie choisie, les limites (30 $\/jour, 45 $\/jour, etc.) et l'assureur. C'est un des avenants les plus rentables du march\u00e9.\"}}, {\"@type\": \"Question\", \"name\": \"Combien de jours de location sont couverts ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"La dur\u00e9e d\u00e9pend de la limite globale choisie (souvent 900 $, 1 200 $ ou 1 500 $). \u00c0 45 $\/jour et 1 500 $ de limite globale, vous \u00eates couvert environ 33 jours \u2014 largement suffisant pour la plupart des r\u00e9parations.\"}}, {\"@type\": \"Question\", \"name\": \"La franchise s'applique-t-elle \u00e0 l'avenant FAQ 34 ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Non, l'avenant FAQ 34 n'a pas de franchise. D\u00e8s que votre sinistre principal est admissible, l'assureur prend en charge la location sans d\u00e9duction, jusqu'\u00e0 la limite journali\u00e8re et globale de votre contrat.\"}}, {\"@type\": \"Question\", \"name\": \"L'avenant FAQ 34 s'applique-t-il en cas de vol ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui, l'avenant FAQ 34 s'active pour tout sinistre couvert par votre chapitre B (dommages au v\u00e9hicule), incluant vol, incendie, vandalisme, collision avec ou sans responsabilit\u00e9. V\u00e9rifiez toutefois qu'un d\u00e9lai de carence de 24-72 h peut s'appliquer en cas de vol.\"}}, {\"@type\": \"Question\", \"name\": \"Puis-je choisir moi-m\u00eame le v\u00e9hicule de location ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Vous choisissez la cat\u00e9gorie (compacte, interm\u00e9diaire, VUS) selon la limite journali\u00e8re de votre avenant. Les assureurs ont souvent des ententes avec des loueurs (Enterprise, Discount, Hertz) qui simplifient la d\u00e9marche et la facturation.\"}}, {\"@type\": \"Question\", \"name\": \"L'avenant FAQ 34 vaut-il le co\u00fbt ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Pour 30-70 $\/ann\u00e9e, l'avenant FAQ 34 est un des meilleurs rapports co\u00fbt\/b\u00e9n\u00e9fice en assurance auto. Un seul jour de location non couvert co\u00fbte souvent plus que la prime annuelle. Nos courtiers Assur360 recommandent cet avenant \u00e0 presque tous nos clients.\"}}]}<\/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 to add FAQ 34?<\/p>\n  <h3 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\">Free quote in 3 minutes<\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Our AMF-certified brokers compare available endorsements with multiple insurers \u2014 without obligation.<\/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 34\", \"item\": \"https:\/\/www.assur360.ca\/blog\/mes-finances\/avenant-faq-34-vehicule-remplacement\/\"}]}<\/script>\n","protected":false},"excerpt":{"rendered":"<p>Amendment FAQ 34 in Quebec 2026: cost, categories 34a\/34b\/34c, taking effect, deductible and use cases \u2014 explained by our brokers.<\/p>\n","protected":false},"author":49,"featured_media":98668,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_seopress_titles_title":"2026 FAQ 34 Endorsement: Replacement Vehicle | Assur360","_seopress_titles_desc":"Amendment FAQ 34 in Quebec 2026: cost $30-70\/year, categories 34a\/34b\/34c. 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