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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.