{"id":99773,"date":"2026-08-26T10:45:00","date_gmt":"2026-08-26T14:45:00","guid":{"rendered":"https:\/\/www.assur360.ca\/blog\/home-insurance-in-quebec-2\/top-10-vehicles-stolen-in-quebec-in-2026-lac-ranking\/"},"modified":"2026-08-26T10:45:50","modified_gmt":"2026-08-26T14:45:50","slug":"top-10-vehicles-stolen-in-quebec-in-2026-lac-ranking","status":"publish","type":"post","link":"https:\/\/www.assur360.ca\/en\/blog\/my-finances-2\/top-10-vehicles-stolen-in-quebec-in-2026-lac-ranking\/","title":{"rendered":"Top 10 vehicles stolen in Quebec in 2026 (LAC ranking)"},"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;\">Each year <strong>, the Insurance Bureau of Canada (IBC)<\/strong> publishes the ranking of the <strong>10 most stolen vehicles in Quebec<\/strong>. In 2026, Japanese SUVs dominate \u2014 the <strong>Toyota RAV4 remains #1<\/strong>, followed by the Honda CR-V, Toyota Highlander and Lexus RX. The cause: Smart Key systems vulnerable to relay attacks and high demand in export markets. Our <strong>AMF-certified Assur360 brokers<\/strong> decipher the 2026 ranking and propose effective prevention measures.   <\/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;\">Top 10 Flights 2026<\/p>\n  <h2 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\"><span class=\"ez-toc-section\" id=\"Is-your-vehicle-on-the-list\"><\/span>Is your vehicle on the list?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Anti-theft, Faraday pouch, endorsements \u2014 our brokers protect your vehicle.<\/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;\">My Car 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;\">#1 RAV4<\/div><div style=\"color:#64748b;font-size:13px;\">Since 2022<\/div><\/div><div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\"><div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">+30 %<\/div><div style=\"color:#64748b;font-size:13px;\">Flights since 2024<\/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;\">72 hrs<\/div><div style=\"color:#64748b;font-size:13px;\">Container \u2192 Antwerp<\/div><\/div><div style=\"background:#f8fafc;padding:24px;text-align:center;\"><div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">60-80 %<\/div><div style=\"color:#64748b;font-size:13px;\">Underground stat. discount <\/div><\/div><\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The-top-10-stolen-vehicles-in-Quebec-in-2026\"><\/span>The top 10 stolen vehicles in Quebec in 2026<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;\">Rank<\/th><th style=\"padding:14px 16px;text-align:left;border:none;\">Model<\/th><th style=\"padding:14px 16px;text-align:left;border:none;\">Type<\/th><th style=\"padding:14px 16px;text-align:left;border:none;\">Risk Factor<\/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;\">1<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Toyota RAV4 (2018-2024)<\/td>Very High <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Compact SUV<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">\u2014 Smart Key Vulnerable<\/td><\/tr><tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;font-weight:600;color:#0d1f2d;\">2<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Honda CR-V (2019-2024)<\/td>Very High <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Compact SUV<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">\u2014 Export Africa<\/td><\/tr><tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;font-weight:600;color:#0d1f2d;\">3<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Toyota Highlander (2020-2024)<\/td>High <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Midsize SUV<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">\u2014 luxury export demand<\/td><\/tr><tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;font-weight:600;color:#0d1f2d;\">4<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Lexus RX (2020-2024)<\/td>High <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Luxury SUV<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">\u2014 UAE\/AF Resale<\/td><\/tr><tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;font-weight:600;color:#0d1f2d;\">5<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Honda Civic (2016-2021)<\/td>High <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">compact sedan<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">\u2014 resale parts<\/td><\/tr><tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;font-weight:600;color:#0d1f2d;\">6<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Ford F-150 (2018-2024)<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Moderate Pickup Truck<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">\u2014 Local Theft<\/td><\/tr><tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;font-weight:600;color:#0d1f2d;\">7<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Jeep Grand Cherokee (2018-2024)<\/td>Moderate <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">SUV<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">\u2014 resale parts<\/td><\/tr><tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;font-weight:600;color:#0d1f2d;\">8<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Toyota Camry (2018-2023)<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Moderate Midsize Sedan<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">\u2014 Resale Fleets<\/td><\/tr><tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;font-weight:600;color:#0d1f2d;\">9<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Range Rover (2019-2024)<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Luxury SUV<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">High in this segment<\/td><\/tr><tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;font-weight:600;color:#0d1f2d;\">10<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Honda Accord (2018-2022)<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Moderate Sedan<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">\u2014 parts<\/td><\/tr><\/tbody><\/table><\/div>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:14px;line-height:1.8;color:#334155;\"><em>Source: Insurance Bureau of Canada (IBC), estimated ranking 2026.<\/em><\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why-these-models\"><\/span>Why these models?<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\udce1<\/div><h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Vulnerable Smart Key<\/h3><p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">The fob key emits a short signal constantly. An inexpensive radio amplifier (&#8220;relay&#8221;) allows the vehicle to be opened and started without visible break-ins. <\/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\udf0d<\/div><h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Export demand<\/h3><p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Toyota and Lexus are very popular in West Africa, the Emirates and Latin America. The resale price is sometimes higher than the new price in Quebec. <\/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\udea2<\/div><h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Organized network<\/h3><p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">A vehicle stolen in Quebec can be in containers at the Port of Antwerp in <strong>less than 72 hours<\/strong>. Recovery after this period becomes almost impossible. <\/p><\/div><\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How-to-protect-your-vehicle-in-4-steps\"><\/span>How to protect your vehicle in 4 steps<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;\">Faraday pouch for key fob<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">$10-30 on Amazon. Blocks the signal 24\/7. Store the master key and secondary key in a separate pouch.  <\/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;\">Ravelco or LoJack certified lock<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Ravelco $400-800 (mechanical cut-off, very efficient). LoJack $500-900 (GPS tracker with police recovery service). <\/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;\">Sherlock or anti-catalytic converter marking<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Sherlock $100-200 (anti-resale marking). Catalytic converter anti-theft cage $300-600 (mandatory on risky hybrid SUVs). <\/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;\">Add FPQ 5 on 0-5 year old vehicles<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\"><a href=\"https:\/\/www.assur360.ca\/en\/blog\/my-finances-2\/fpq-5-vs-endorsement-43a-vs-43d-which-one-to-choose-in-2026\/\">The FPQ 5 endorsement<\/a> reimburses you for the replacement cost if your vehicle is lost (theft not recovered). $150-400\/year \u2014 cost-effective if your model is on this list. <\/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;\">The combo that discourages<\/p>\n    <p style=\"color:#94a3b8;font-size:14px;margin:0;line-height:1.6;\">A professional thief needs 60-90 seconds to leave with a RAV4 without protection. With <strong style=\"color:#ffffff;\">Faraday + Ravelco + LoJack + underground parking<\/strong>, the time required increases to 15-30 minutes \u2014 too much for most opportunistic robberies. <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Impact-on-your-insurance-premium-in-2026\"><\/span>Impact on your insurance premium in 2026<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;\">Prime model<\/th><th style=\"padding:14px 16px;text-align:left;border:none;\">type 2025<\/th><th style=\"padding:14px 16px;text-align:left;border:none;\">Prime type 2026*<\/th><th style=\"padding:14px 16px;text-align:left;border:none;\">With Ravelco + Faraday lock<\/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;\">2022 Toyota RAV4<\/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;\">$1,800-1,950<\/td>$<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">1,650-$1,800<\/td><\/tr><tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;font-weight:600;color:#0d1f2d;\">2023 Honda CR-V<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$1,400<\/td>$<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">1,680-1,820<\/td>$<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">1,550-$1,680<\/td><\/tr><tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;font-weight:600;color:#0d1f2d;\">2023 Lexus RX<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$2,200<\/td>$<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">2,640-2,860<\/td>$<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">2,400-$2,600<\/td><\/tr><tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;font-weight:600;color:#0d1f2d;\">2022 Toyota Highlander<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$1,900<\/td>$<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">2,280-2,470<\/td>$<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">2,100-$2,280<\/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;\">New: Frequent rejection on RAV4 and Highlander<\/p>\n    <p style=\"color:#7f1d1d;font-size:14px;margin:0;line-height:1.6;\">Since 2025, several insurers in Quebec <strong>have been refusing new contracts<\/strong> on RAV4 and Highlander without a certified lock. Our Assur360 brokers shop with the 8+ partner insurers \u2014 some remain more flexible depending on the profile and installation of the lock. <\/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;\">Is your vehicle at risk?<\/p>\n  <h3 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\">Shop with the right insurers<\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Our brokers know which insurers still accept RAV4, CR-V, Highlander \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=\"Our-car-range\"><\/span>Our car range<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;\">Car insurance<\/h3><p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Compare 8+ insurers \u2014 we know which ones accept subprime models.<\/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;\">Substandard car insurance<\/h3><p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Refused elsewhere because of the theft? Our brokers have solutions. <\/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\udfe1<\/div><h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Home insurance<\/h3><p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Auto + hab combo for multi-product discounts 10-15%.<\/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 car insurance and vehicle theft 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-for-luxury-vehicles-and-evs-in-quebec-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 for luxury vehicles and EVs<\/h3><p style=\"color:#64748b;font-size:14px;margin:0;\">Replacement cost on Tesla, Mercedes, Lexus in Quebec.<\/p><\/a><a href=\"\/blog\/mes-finances\/hausse-tarifs-assurance-auto-quebec-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;\">Car price increase 2026<\/h3><p style=\"color:#64748b;font-size:14px;margin:0;\">Causes and 8 ways to compensate.<\/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;\">Ranges by value and duration of coverage.<\/p><\/a><a href=\"https:\/\/www.assur360.ca\/en\/blog\/insurance\/car-4\/i-compared-7-car-insurers-quebec-2026-400-difference-broker-guide\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\"><h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Comparison of 7 insurers in Quebec<\/h3><p style=\"color:#64748b;font-size:14px;margin:0;\">Comprehensive ranking with service and reputation.<\/p><\/a><\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently-Asked-Questions-About-Vehicle-Theft-2026\"><\/span>Frequently Asked Questions About Vehicle Theft 2026<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 vehicle is the most stolen in Quebec in 2026?<\/summary><div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">According to the Insurance Bureau of Canada (IBC), the <strong>Toyota RAV4<\/strong> remains the most stolen vehicle in Quebec in 2026, followed by the Honda CR-V, Toyota Highlander and Lexus RX. Japanese SUVs dominate the ranking because of their &#8220;fob&#8221; key that is vulnerable to signal amplification. <\/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;\">Why are Toyota and Lexus SUVs stolen so much?<\/summary><div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Two reasons: 1) the Smart Key system with signal amplification is easily hacked by relay attack, 2) high demand in export markets (West Africa, Emirates, Latin America). A RAV4 stolen in Quebec can be in containers to Antwerp in less than 72 hours.  <\/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 a certified lock really prevent theft?<\/summary><div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Certified Sherlock (marking), Autotag\/OnStar (GPS tracking) or Ravelco (mechanical cut-off) locks significantly reduce the risk. A good lock costs $400-1,500 but gives 5-15% off the premium \u2014 paying for itself in 3-5 years, in addition to the real prevention. <\/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 it cost to insure a vehicle with a high risk of theft in 2026?<\/summary><div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">On a newer RAV4 or Highlander, the premium can be 20-40% higher than an equivalent model that is less stolen. A certified lock can compensate for 5-15%. Our Assur360 brokers shop around for several insurers \u2014 some are more tolerant of risky models.  <\/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;\">My car is stolen: what should I do in the first few hours?<\/summary><div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">1) Call the police (911) and make a report within 24 hours, 2) contact your Assur360 broker or the <a href=\"https:\/\/www.assur360.ca\/en\/disaster-emergency\/\">claims emergency<\/a> service, 3) inform the SAAQ to prevent fraudulent resale, 4) activate your GPS tracker if you have one. Compensation typically takes 15-30 days.  <\/div><\/details><details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\"><summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Does FPQ 5 (replacement cost) cover theft?<\/summary><div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Yes, if your stolen vehicle is lost within the meaning of the policy (unrecoverable after 30 days), the <a href=\"https:\/\/www.assur360.ca\/en\/blog\/my-finances-2\/fpq-5-vs-endorsement-43a-vs-43d-which-one-to-choose-in-2026\/\">FPQ 5<\/a> endorsement reimburses you for the replacement cost rather than the depreciated value \u2014 often $5,000-15,000 difference on a 3-5 year old vehicle.<\/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;\">Are underground parking safer?<\/summary><div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Yes, statistically. 68% of vehicle theft in Quebec occurs in a residential driveway or quiet suburban street. Underground parking with controlled access reduces the risk by 60-80%. Some insurers offer a 3-8% discount for overnight indoor parking.   <\/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 do I protect my fob key from the relay attack?<\/summary><div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Solutions: Faraday pouch ($10-30) that blocks the signal, battery cut on the key (OEM option on recent Toyotas), parking away from exterior walls. Our brokers recommend the Faraday pouch + Ravelco lock combo for at-risk SUVs. <\/div><\/details><\/div>\n\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"FAQPage\", \"mainEntity\": [{\"@type\": \"Question\", \"name\": \"Quel v\u00e9hicule est le plus vol\u00e9 au Qu\u00e9bec en 2026 ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Selon le Bureau d'assurance du Canada (BAC), le <strong>Toyota RAV4 demeure le v\u00e9hicule le plus vol\u00e9 au Qu\u00e9bec en 2026, suivi du Honda CR-V, Toyota Highlander et Lexus RX. Les VUS japonais dominent le classement \u00e0 cause de leur cl\u00e9 \u00ab fob \u00bb vuln\u00e9rable \u00e0 l'amplification de signal.\"}}, {\"@type\": \"Question\", \"name\": \"Pourquoi les VUS Toyota et Lexus sont-ils tant vol\u00e9s ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Deux raisons : 1) le syst\u00e8me Smart Key \u00e0 amplification de signal est facilement pirat\u00e9 par relais radio (\\\"relay attack\\\"), 2) forte demande sur les march\u00e9s d'exportation (Afrique de l'Ouest, \u00c9mirats, Am\u00e9rique latine). Un RAV4 vol\u00e9 au Qu\u00e9bec peut \u00eatre en containers vers Anvers en moins de 72 heures.\"}}, {\"@type\": \"Question\", \"name\": \"Un antivol certifi\u00e9 peut-il r\u00e9ellement pr\u00e9venir le vol ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Les antivols certifi\u00e9s Sherlock (marquage), Autotag\/OnStar (tra\u00e7age GPS) ou Ravelco (coupure m\u00e9canique) r\u00e9duisent significativement le risque. Un bon antivol co\u00fbte 400-1 500 $ mais donne 5-15 % de rabais sur la prime \u2014 rentable en 3-5 ans, en plus de la vraie pr\u00e9vention.\"}}, {\"@type\": \"Question\", \"name\": \"Combien co\u00fbte l'assurance d'un v\u00e9hicule \u00e0 haut risque de vol en 2026 ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Sur un RAV4 ou Highlander r\u00e9cent, la prime peut \u00eatre 20-40 % plus \u00e9lev\u00e9e qu'un mod\u00e8le \u00e9quivalent moins vol\u00e9. Un antivol certifi\u00e9 peut compenser 5-15 %. Nos courtiers Assur360 magasinent plusieurs assureurs \u2014 certains sont plus tol\u00e9rants aux mod\u00e8les \u00e0 risque.\"}}, {\"@type\": \"Question\", \"name\": \"Ma voiture est vol\u00e9e : que faire dans les premi\u00e8res heures ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"1) Appelez la police (911) et faites un rapport dans les 24 h, 2) contactez votre courtier Assur360 ou le service <a href=\\\"\/urgence-sinistre\/\\\">urgence sinistre, 3) informez la SAAQ pour pr\u00e9venir la revente frauduleuse, 4) activez votre traceur GPS si vous en avez un. L'indemnisation prend typiquement 15-30 jours.\"}}, {\"@type\": \"Question\", \"name\": \"Le FPQ 5 (valeur \u00e0 neuf) couvre-t-il le vol ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui, si votre v\u00e9hicule vol\u00e9 est perdu au sens de la police (irr\u00e9cup\u00e9rable apr\u00e8s 30 jours), l'avenant <\/a><a href=\\\"\/blog\/mes-finances\/fpq5-vs-avenant-43a-43d\/\\\">FPQ 5 vous rembourse la valeur \u00e0 neuf plut\u00f4t que la valeur d\u00e9pr\u00e9ci\u00e9e \u2014 souvent 5 000-15 000 $ de diff\u00e9rence sur un v\u00e9hicule de 3-5 ans.\"}}, {\"@type\": \"Question\", \"name\": \"Les stationnements souterrains sont-ils plus s\u00fbrs ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui, statistiquement. Le vol de v\u00e9hicule au Qu\u00e9bec se produit \u00e0 68 % dans une entr\u00e9e r\u00e9sidentielle ou une rue de banlieue tranquille. Un stationnement souterrain avec acc\u00e8s contr\u00f4l\u00e9 r\u00e9duit le risque de 60-80 %. Certains assureurs offrent un rabais 3-8 % pour stationnement int\u00e9rieur nocturne.\"}}, {\"@type\": \"Question\", \"name\": \"Comment prot\u00e9ger ma cl\u00e9 fob contre la relay attack ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Solutions : pochette Faraday (10-30 $) qui bloque le signal, coupure batterie sur la cl\u00e9 (option OEM sur Toyota r\u00e9centes), stationnement \u00e0 distance des murs ext\u00e9rieurs. Nos courtiers recommandent le combo pochette Faraday + antivol Ravelco pour les VUS \u00e0 risque.\"}}]}<\/a><\/strong><\/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;\">Protect your vehicle today<\/p>\n  <h3 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\">Car quote in 3 minutes<\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Our Assur360 brokers compare 8+ insurers and advise you on the optimal lock.<\/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\": \"Top 10 v\u00e9hicules vol\u00e9s 2026\", \"item\": \"https:\/\/www.assur360.ca\/blog\/mes-finances\/top-10-vehicules-voles-quebec-2026\/\"}]}<\/script>\n","protected":false},"excerpt":{"rendered":"<p>Top 10 vehicles stolen in Quebec in 2026 according to IBC: RAV4, CR-V, Highlander, Lexus. 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