Left Navigation How to Buy Insurance You can buy auto, home and business insurance from private insurers. For bodily injury resulting from a collision, compensation is provided by Société de l’assurance automobile du Québec (SAAQ). Buying Auto Insurance Since 1978, Quebec’s mixed public-private auto insurance plan differentiates between insurance for bodily injury and insurance for property damage. Consequently, there are 2 auto insurance plans:A private plan, which covers civil liability and property damage, and can be purchased from private insurers.A public plan, which is administered by SAAQ and covers bodily injury sustained in a collision. Insurance Options When securing insurance coverage in Quebec, you can choose which insurance representative best suits your needs. Options include:Buying directly from a private insurance companyBuying from a broker.Where to Buy InsuranceMost insurance representatives provide some form of home and business insurance. Make an informed choice before you buy. Throughout the province, private insurance companies compete on the basis of price, coverage and service. They offer Nova Scotia consumers and businesses choices when buying mandatory auto or optional home or business insurance. Private insurers provide expert guidance on the best value and coverage for your needs. Auto Insurance By law, if you own and drive a car in Nova Scotia, you must buy auto insurance from a private insurer. Home InsuranceWhile the law does not mandate it, banks or mortgage holders may insist that you purchase home insurance Business InsuranceAlso called “commercial insurance,” business insurance is not mandatory in the province. Understanding InsuranceLife is a risky business. Sometimes those risks hit home – a car collision… your basement suffering water damage… your business interrupted by vandalism. At times like these, insurance is there to help us recover, get us back on our feet and provide peace of mind. Related ServicesInsurance VendorsInsurance is a significant financial investment so it’s worthwhile to learn about your buying options. You can buy insurance from a broker, agent or direct writer.Seller ScamsPay attention to the details of your insurance contract. Scammers sometimes slightly alter the name of a legitimate company. Licensing of InsurersSimilar to other professions, insurance representatives – including direct writers, brokers and agents – as well as insurance companies, are subject to government regulation.Rights and ResponsibilitiesInsurance companies, brokers and agents are committed to safeguarding your rights when you shop for insurance and submit a claim following a loss. Useful LinksAuto InsuranceRequired by law across Canada, auto insurance covers the owner/driver, passengers, pedestrians and property affected by a vehicle collision.Buying Home InsuranceAs a homeowner, you need to insure your house for replacement costs so that in the event of serious damage or destruction you have adequate coverage. Be sure to keep your home insurance current by reporting material changes or upgrades.Business Insurance CoverageInsurance protects you from losses that may pose a significant threat to your business operations. A major loss to one organization may be a trivial loss to another. When selecting coverage, deductibles and policy limits, there are many factors to consider.