Buying or leasing a new car? Replacement insurance can supplement your car insurance settlement to help you replace your vehicle after a covered total loss, subject to your policy’s terms and conditions.
With ClicAssure, start your quote request and indicate your interest in replacement insurance on the form. An insurance professional can confirm your vehicle’s eligibility and explain the available options.
Complete the form to get started.
Visit our car insurance with replacement cost coverage page to learn more about this alternative.
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In Quebec, replacement insurance is offered under Q.P.F. No. 5. It is a separate policy that supplements your car insurance to help limit the financial impact of depreciation after a covered loss.
No. You must keep your primary car insurance policy. Q.P.F. No. 5 only provides compensation if your primary insurer has paid a claim for the loss. Before removing coverage from your car insurance, check how this would affect your replacement insurance.
For a new or demonstrator vehicle, it can cover the difference between the vehicle value determined by your primary insurer and the value of the replacement vehicle specified in your policy. You must actually replace your vehicle to receive this compensation.
Yes, subject to eligibility. For a used vehicle, the calculation is based on an increased vehicle value defined in the policy; it does not guarantee a brand-new car. Q.P.F. No. 5 also provides for vehicles under a long-term lease.
For a new or demonstrator vehicle, it can supplement the payment for damaged parts that cannot be repaired and are replaced with new original manufacturer parts. It also provides coverage for deductibles and temporary rental costs, subject to the conditions and limits in your policy.
Both help protect against depreciation, but they work differently.
| Feature | Replacement insurance | Replacement cost coverage |
|---|---|---|
| Policy | Separate policy: Q.P.F. No. 5. | Endorsement added to your car insurance: Q.E.F. No. 43 options. |
| Insurer | Can be different from your primary car insurer. | The same as your car insurer. |
| Premium | Set at purchase for the policy term. | May change when your car insurance renews. |
Visit our car insurance with replacement cost coverage page to learn more about this alternative.
Not necessarily. Before adding coverage, have an insurance professional review your current policy to help you avoid paying for overlapping protection.
The price depends on factors such as your vehicle’s value and the length of coverage you choose. The policy runs for a set term and cannot be renewed. Compare the total cost, coverage and limits of the options available to you.
Ideally, start before taking delivery of your vehicle. This gives you time to compare your options and confirm eligibility requirements, the deadline for purchasing coverage and when the policy will take effect.
No. This coverage is optional. If your lender or leasing company requires specific protection, ask them to clarify their requirements and check which options meet them.
Starting January 1, 2027, dealerships will no longer be allowed to offer replacement insurance under Q.P.F. No. 5. The product will remain available through certified insurance representatives and insurance firms, so you will still be able to shop for this coverage.
Complete the form on this page and indicate your interest in replacement insurance. You can then discuss the available coverage with an insurance professional and review the terms and conditions before making your choice.
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