Help! How can a tourist get insurance in Canada? We're an argentinian couple trying to buy a car in Quebec to start the trip

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#1 Tue, 09/19/2017 - 11:00

Help! How can a tourist get insurance in Canada? We're an argentinian couple trying to buy a car in Quebec to start the trip

As the title says, we're an argentinian couple trying to buy a car in Quebec to start the trip. We went to the dealer and everything was fine until we started to look for insurance.

Most companies have simply rejected our application because we're not canadian citizens or we don't have a quebecoise driver's license. We're kind of desperate because without an insurance we cannot buy the car and without a car we cannot make the trip.

Can anyone give any tips on how they managed to get insurance? The car we want is in Montreal so we'd have it registered in Quebec (with the SAAQ).

Our plan B would be to buy somewhere else in the area, so experiences in other provinces of canada or in northern states in the U.S. would also be appreciated.

Thanks!

Sun, 10/01/2017 - 06:18

Ok, found a solution. Posting

Ok, found a solution. Posting here for anyone who comes around looking for the same thing.

You will need at least a temporary address somewhere in Québec Province, and give your real home address (i.e., the one in your country), apart from your passport and driver's license. You will probably have to go to the local SAAQ office together with the car's previous owner -or the car dealer representative.

Once you fill all the paperwork at the SAAQ you get the vehicle ID or "Vehicle Identification Number" (VIN) and plate.

The VIN allows you to get an insurance, but getting an insurance was the most difficult part for us since most assurance companies didn't want to take us because we did not have a Quebecoise license or because we would be staying to little time in Québec (insurances are sold normally for 12 months).

If you encounter the same problem, do not forget to take note of each assurance company name and telephone number, the name of each person you talked with and the date you spoke to them.

Then, visit the Bureau d'Assurance du Canada (BAC) site at https://gaa.qc.ca/en/auto-insurance-in-quebec/access-to-insurance/ or call 514 288-4321 and tell them your situation. This office helps people that are rejected their insurance in at least five different companies and ask for this information.

They contact these companies and kindly force one of them to take your case and provide the minimum insurance you need by law in order to drive your car, although most probably it will be for 12 months. But you're supposed to be able to give it up before the 12 months and get a refund for the months you didn't "use". I'm not sure about this last part, so maybe you should ask about this specifically.

Remember you first need the VIN to hire an insurance, so the vehicle must be registered.