Industrial Alliance Auto Insurance: Our 2025 Review & Verdict
Our expert's review on Industrial Alliance
In my analysis, Industrial Alliance car insurance presents a highly competitive offer in Quebec, a fact underscored by its recent Forbes award as Canada's Best for 2025. I find its structure clear, with core liability, optional collision and all-perils protections, and the standout Automax rider which bundles many valuable extras. The reimbursement ceilings are robust, reaching up to $2 million for civil liability, while deductibles are flexible, from $250 up to $5,000.
Against its market peers, I see Industrial Alliance distinguishing itself through its powerful digital platform and the comprehensive value of its Automax bundle. From what I've reviewed, this insurance is particularly suitable for drivers seeking comprehensive coverage in one package, homeowners looking for bundling discounts of up to 15%, and families with multiple vehicles.
As part of iA Financial Group, the company's reliability is solid, validated by the extensive consumer survey behind its Forbes award. What stands out is the claims management, which is marketed as among the fastest in Quebec and is accessible 24/7.
- ✅Forbes' Best Auto Insurance Company 2025
- ✅Comprehensive Automax coverage bundle
- ✅Significant bundling discounts up to 15%
- ✅Fast and efficient 24/7 claims service
- ✅No deductible for windshield repairs
- ✅High coverage for rented vehicles ($100,000)
- ✅Strong multi-vehicle and loyalty discounts
- ❌Roadside assistance as an optional extra
- ❌Towing service with 25 km radius limit
- ❌Potential policy cancellation fees
- ❌Some coverages with Canada/US limitation
- ❌Full contract details via direct inquiry
Score- ✅Forbes' Best Auto Insurance Company 2025
- ✅Comprehensive Automax coverage bundle
- ✅Significant bundling discounts up to 15%
- ✅Fast and efficient 24/7 claims service
- ✅No deductible for windshield repairs
- ✅High coverage for rented vehicles ($100,000)
- ✅Strong multi-vehicle and loyalty discounts
Our expert's review on Industrial Alliance
- ✅Forbes' Best Auto Insurance Company 2025
- ✅Comprehensive Automax coverage bundle
- ✅Significant bundling discounts up to 15%
- ✅Fast and efficient 24/7 claims service
- ✅No deductible for windshield repairs
- ✅High coverage for rented vehicles ($100,000)
- ✅Strong multi-vehicle and loyalty discounts
- ❌Roadside assistance as an optional extra
- ❌Towing service with 25 km radius limit
- ❌Potential policy cancellation fees
- ❌Some coverages with Canada/US limitation
- ❌Full contract details via direct inquiry
Score- ✅Forbes' Best Auto Insurance Company 2025
- ✅Comprehensive Automax coverage bundle
- ✅Significant bundling discounts up to 15%
- ✅Fast and efficient 24/7 claims service
- ✅No deductible for windshield repairs
- ✅High coverage for rented vehicles ($100,000)
- ✅Strong multi-vehicle and loyalty discounts
Against its market peers, I see Industrial Alliance distinguishing itself through its powerful digital platform and the comprehensive value of its Automax bundle. From what I've reviewed, this insurance is particularly suitable for drivers seeking comprehensive coverage in one package, homeowners looking for bundling discounts of up to 15%, and families with multiple vehicles.
As part of iA Financial Group, the company's reliability is solid, validated by the extensive consumer survey behind its Forbes award. What stands out is the claims management, which is marketed as among the fastest in Quebec and is accessible 24/7.
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The Industrial Alliance Car Insurance Guarantees
Industrial Alliance’s car insurance in Quebec features a modular structure with a mandatory civil liability plan and a wide range of optional protections, including “All Perils Except Collision,” “Collision and Upset,” and the Automax bundle which aggregates travel expenses, key loss, increased limits for borrowed/rented vehicles, and accident benefits. Clients can enhance their plans with replacement cost and roadside assistance, and deductibles for collision are customizable from $250 up to $5,000.
The Automax endorsement stands out for its convenience and breadth, consolidating several commonly purchased enhancements into one, while coverage and claims service are recognized statewide for their speed, digital access, and overall client satisfaction.
Coverage limits and policy terms are competitive by Quebec standards, with additional savings available through multi-line and loyalty discounts.
Some limitations may apply—for instance, certain modules are valid only within Canada/US, mechanical failures and commercial use are excluded, and full details on all exclusions should be verified via policy documents.
| Warranty name | Industrial Alliance Car Insurance |
|---|---|
| Formula positioning | Modular: mandatory & à la carte options |
| Type of cover | Liability, theft, fire, vandalism, collision, all risks |
| Reimbursement rate (% of damages covered) | Up to 100%; as per selected module |
| Annual reimbursement ceiling (maximum amount reimbursed per year) | Per guarantee: $1M–2M liability, $50K or $100K rental vehicle, others per contract |
| Policy excess (per claim and/or annually) | Deductible: $250, $500, $1,000, up to $5,000 (client chooses) |
| Waiting period (before certain guarantees take effect) | NC |
| Minimum/maximum age for subscription | NC |
| Prior risk assessment (medical questionnaire, telematics, driving history) | Driving/claims/credit history considered |
| Payment facilities (monthly, quarterly, annual payments) | Monthly, annual, flexible methods |
| Advance payment of claim-related costs | Automax/loss-of-use: eligible, see contract |
| Compensation at purchase value/agreed value/replacement value | Optional replacement cost (same vehicle, new parts) |
| Third-party liability (bodily injury and property damage to others) | ✅ $1M or $2M (mandatory by law) |
| Own vehicle damage (collision, regardless of fault) | ✅ Optional (collision/upset module); deductible if at fault |
| Theft of vehicle (partial or total) | ✅ Optional (“all perils except collision” module) |
| Fire (accidental or criminal) | ✅ Optional |
| Broken glass (windscreen, windows, sunroof) | ✅ Optional; no deductible for repairs |
| Natural disasters (hail, flood, storm, etc.) | ✅ Optional |
| Acts of vandalism | ✅ Optional |
| All-risks damage (accidents of any cause, including at-fault) | ✅ Available as an add-on |
| Driver personal injury cover (death, disability, medical expenses) | Optional: up to $15,000 (individual insurance module) |
| Passenger injury cover | Optional: included in Automax/individual module |
| Criminal defence and recourse (basic legal aid after an accident) | NC |
| Extended legal protection (for disputes beyond accidents, e.g. purchase, repairs) | NC |
| Vehicle accessories and modifications (including electric vehicle batteries and cables) | Optional/NC depending on module |
| Personal belongings inside the vehicle (excluding cash and documents) | NC |
| Child equipment (seats, pushchairs) | NC |
| Replacement vehicle (during repairs or after total loss) | Included in rental/travel expenses options |
| Towing and roadside assistance (including out-of-charge recovery for EVs) | Optional: 4 calls/year, 25km towing, winch, etc. |
| Use abroad (compliance with minimum local cover; optional full cover abroad) | Canada/US only (for borrowed/rented vehicle) |
| Vehicle use for professional/business purposes (where applicable) | ❌ Excluded (unless specified) |
| Driving other vehicles (third-party only or comprehensive, depending on the insurer) | Optional: up to $50K–$100K (Q.E.F. 27/Automax) |
| Trailer or caravan towing cover | NC |
*NC = Not communicated or subject to option details. Rental/borrowed vehicle coverage varies by endorsement chosen. For precise conditions, refer to the official policy wording.*
Good to know
Industrial Alliance’s My Client Space allows online management of policies, 24/7 claims reporting, and digital document access. The insurer was named Canada’s Best Auto Insurance Company for 2025 by Forbes, and offers significant discounts for bundling home, auto, RV, and multiple vehicles, as well as loyalty rewards for long-term clients.
Car insurance exclusions
Industrial Alliance car insurance generally excludes claims resulting from mechanical breakdowns, commercial or ridesharing use unless declared, and driving outside Canada or the US for certain optional coverages. Like most competitors, intentional acts, fraud, participation in racing, and use of the vehicle by an unlicensed driver are strictly excluded.
Wear and tear or depreciation are not covered unless the replacement cost option is selected, setting a clear boundary compared to some policies with broader wear-and-tear protection.
Coverage for borrowed or rented vehicles, as well as travel-related guarantees, are limited to Canada and the US only. Notably, the extensive Automax bundle is only effective if explicitly selected, making certain exclusions relevant for clients who have not opted for this optional module.
| Exclusions | Details |
|---|---|
| Exclusions linked to the use of the vehicle |
|
| Exclusions linked to the driver |
|
| Technical exclusions |
|
| Geographical exclusions |
|
| Contractual exclusions |
|
- Commercial use unless specified
- Racing or illegal activities
- Ridesharing (unless declared)
- Use outside Canada/US for some coverages
- Claims denied if driver is unlicensed
- Intentional or fraudulent acts
- Mechanical breakdowns
- Wear and tear, depreciation (unless Replacement Cost option chosen)
- No coverage for borrowed or rented vehicles outside Canada/US
- Travel protections restricted to Canada/US
- Exclusions apply if Automax bundle or optional coverages are not selected
- N.C.
The Cost of Industrial Alliance Car Insurance
Industrial Alliance positions itself in a mid-range segment of the Quebec car insurance market, striking a strong balance between breadth of coverage and competitive pricing, especially when customers take advantage of bundling and loyalty discounts.
The Automax bundle stands out for its comprehensive features—including travel expenses, enhanced rental coverage, and expanded coverage for borrowed or rented vehicles—without placing the company in the most expensive tier.
Deductibles remain client-customizable, supporting access to more affordable premiums, while claim reimbursement speed and online tools are highlighted as particular strengths compared to many traditional insurers.
Unlike pure digital players, Industrial Alliance offers a hybrid service, providing digital convenience while maintaining advisor support, which broadens its appeal without significant extra cost.
Overall, it provides robust protection for the price, making it a solid choice for clients seeking a reasonable premium and solid extras, rather than the absolute lowest price or the most bare-bones plan.
| Industrial Alliance Basic | Industrial Alliance Standard | Industrial Alliance Automax Bundle | |
|---|---|---|---|
| Young driver (18-24, compact) | $108/month | $123/month | $139/month |
| Standard driver (35-45, intermediate) | $73/month | $84/month | $98/month |
| Senior driver (60-70, city car) | $61/month | $69/month | $81/month |
| At-fault claim (last 3 years) | $148/month | $165/month | $189/month |
| New SUV driver | $96/month | $112/month | $126/month |
| >25,000 km/year | $124/month | $139/month | $159/month |
Compare tailored quotes to make sure you’re getting the best combination of coverage and savings for your situation:
Compare the best car insurance plans for free!Start comparingIndustrial Alliance car insurance discount codes
| Promotional codes Industrial Alliance | Details |
|---|---|
| HelloSafe | -5% on your quote |
Note: promotional codes are subject to change. For the latest promotional codes, go to our comparison of the best car insurance.
Reimbursement Amounts with Industrial Alliance
| Name of claim or service | Average price (CA$) | Civil liability only | Collision and upset (Chapter B2) | All perils except collision (Chapter B3) | Automax with Replacement Cost (bundle) |
|---|---|---|---|---|---|
| Replacement after theft | $16,000 | ❌ | ❌ | Up to actual cash value (excluding excess). Out-of-pocket expenses: deductible applies | New vehicle with same features (replacement cost). Out-of-pocket expenses: deductible applies |
| Repair after at-fault accident | $6,000 | ❌ | Up to actual cash value (excluding excess). Out-of-pocket expenses: deductible applies | ❌ | Up to actual cash value (excluding excess). Out-of-pocket expenses: deductible applies |
| Windshield repair/replacement | $700 | ❌ | Covered under B2 (excluding excess). Out-of-pocket expenses: deductible applies | Repairs: No deductible. Replacement: deductible applies | Repairs: No deductible. Replacement: deductible applies |
| Vandalism repair | $2,000 | ❌ | ❌ | Up to actual cash value (excluding excess). Out-of-pocket expenses: deductible applies | Up to actual cash value (excluding excess). Out-of-pocket expenses: deductible applies |
| Towing (per event, up to 25 km) | $120 | ❌ | ❌ | ❌ | Covered up to 4 calls/year. Out-of-pocket expenses: only if limits exceeded |
Out-of-pocket expenses: deductible applies
Out-of-pocket expenses: deductible applies
Out-of-pocket expenses: deductible applies
Out-of-pocket expenses: deductible applies
Out-of-pocket expenses: deductible applies
Replacement: deductible applies
Replacement: deductible applies
Out-of-pocket expenses: deductible applies
Out-of-pocket expenses: deductible applies
Out-of-pocket expenses: only if limits exceeded
The Industrial Alliance Car Insurance Assistance
Industrial Alliance distinguishes itself in Quebec with robust optional assistance, notably its 24/7 roadside assistance that includes four service calls per year and covers key breakdown services from battery boosts to towing within 25 km.
The Automax bundle stands out for travel expenses—including rental vehicle, taxi or public transit up to $3,000, and lump-sum accommodation coverage during a trip—which few competitors match as a package.
Replacement vehicles are available during repairs if travel expense options are selected, enhancing convenience when the car is immobilized.
There is no mention of assistance abroad or repatriation, which is a limitation for drivers traveling internationally, and assistance for electric vehicles is not explicitly listed.
Coverage for lost/stolen keys, alternative transport and accommodation, and even some legal recourse after accidents are well integrated, but animal and fuel misfuelling support remain absent.
| Support Industrial Alliance | Availability | Details |
|---|---|---|
| 24/7 roadside breakdown assistance | ✅ | Optional roadside assistance. Four calls per year. Battery, flat tire, lockout, winching, gas delivery. |
| Towing to repair facility / Extended towing | ✅ | Towing included up to 25 km radius. Coverage through roadside assistance option. |
| Assistance from home (0 km) | ✅ | Assistance available at home or away. Covers immobilization anywhere in Canada/US. |
| Replacement vehicle | ✅ | Included with travel expenses option (Automax or Q.E.F. 20a). Covers rental during repairs. |
| Alternative transport or accommodation | ✅ | Up to $3,000 for rental, taxi, public transit. Lump sum up to $1,500 for travel/meal/accommodation. |
| Vehicle repatriation | ❌ | Not offered in standard or Automax options. |
| Assistance abroad | ❌ | Only available in Canada and the US. No breakdown assistance outside these countries. |
| Assistance for electric vehicles | N.C. | Not communicated in current product literature. |
| Battery assistance & fuel misfuelling | ✅ | Battery boost included. Fuel delivery (up to 10L). No reference to fuel misfuelling. |
| Legal assistance after an accident | ✅ | Included up to $15,000 for accidental death/dismemberment. No full legal defence but some recourse present. |
| Assistance for animals on board | ❌ | Not mentioned; no special support for pets in breakdowns or accidents. |
| Key recovery & lock replacement | ✅ | Lost or stolen keys covered up to $500. Part of Automax coverage. |
Four calls per year.
Battery, flat tire, lockout, winching, gas delivery.
Coverage through roadside assistance option.
Covers immobilization anywhere in Canada/US.
Covers rental during repairs.
Lump sum up to $1,500 for travel/meal/accommodation.
No breakdown assistance outside these countries.
Fuel delivery (up to 10L).
No reference to fuel misfuelling.
No full legal defence but some recourse present.
Part of Automax coverage.
Customer Feedback on Industrial Alliance Car Insurance
- ✅ The speed and efficiency of claims settlement is frequently highlighted by clients as a strong advantage of Industrial Alliance auto insurance.
- ✅ Many policyholders appreciate clear communication and the availability of digital self-service tools for managing their policies and claims.
- ✅ The range of coverage options—including the comprehensive Automax bundle and competitive bundling discounts—receives positive feedback.
- ✅ A large number of reviewers report satisfaction with customer support and the professionalism of advisors, especially at renewal or in complex situations.
- ❌ Some clients express concerns about premium increases upon renewal, particularly when they feel claims or risk profiles have not changed.
- ❌ There are occasional reports of delays or dissatisfaction with payout assessments on complex or high-value claims.
- ❌ A few customers note that cancellation fees and refund procedures can be unclear without direct inquiry.
- ❌ Some users wish for broader coverage of personal belongings or more transparent details on exclusions and optional modules.
How to Contact Industrial Alliance?
| Customer service Industrial Alliance | Contact information |
|---|---|
| To obtain a quote or take out a policy online | You can use the HelloSafe car insurance comparison tool, choose the option that suits you best and click to obtain a quote. For direct online quotes, visit https://ia.ca/car-insurance or call 1-866-650-4689. |
| To report a claim | File your claim online through https://ia.ca/iaah-file-a-claim, by calling 1-877-770-7778 (available 24/7), or by logging into your My Client Space. For mail, send documents to 1080 Grande Allée West, Suite 500, Quebec City, QC G1S 1C7. For follow-up, you can use the same phone number or access My Client Space to track your claim status. |
| To request and track a refund | Contact 1-866-650-4689 or email your iA advisor; provide your policy number, proof of payment, and reason for your refund request. Approved refunds are processed by direct deposit or cheque, typically within a few weeks of confirmation. You can also monitor refund status by logging into your My Client Space online. |
| To obtain an insurance certificate | Contact your advisor by phone at 1-866-650-4689 or request through your My Client Space (https://ia.ca/connexion). Certificates can be issued digitally via email or as paper documents to your mailing address according to your preference. |
| To contact assistance | For roadside assistance or travel expense coverage (if included in your contract), call the dedicated 24/7 number at 1-800-463-4382. Provide your policy details for faster service. For general questions about assistance, call customer service at 1-866-650-4689 or use your My Client Space account for plan review and activation. |
| To cancel my contract | Contact Industrial Alliance by phone at 1-866-650-4689, by email using the contact form on https://ia.ca/contact-us, or mail your signed cancellation request to 1080 Grande Allée West, Suite 500, Quebec City, QC G1S 1C7. Include your policy number and a signature; standard notice period is often 30 days. A cancellation fee may apply based on the remaining months of coverage. |
FAQ
Do I have to pay in advance for repairs or assistance with Industrial Alliance?
If you use a partner garage approved by Industrial Alliance, payment for repairs is typically settled directly between the insurer and the repair shop, so you only pay your deductible or uncovered costs. For roadside assistance, service is usually coordinated and covered according to your plan if you have the optional coverage. Always confirm with your claims representative if advance payment is required for your situation.
How do I cancel my car insurance contract with Industrial Alliance?
You can cancel your car insurance with Industrial Alliance by contacting customer service by phone, email, or through My Client Space, ideally at least 30 days before your desired cancellation date, and providing your policy details and a written request; additional documents may be required depending on your circumstances.
What discounts does Industrial Alliance offer for car insurance?
Industrial Alliance provides several possible discounts, including bundling auto with home or RV insurance, multi-vehicle plans, loyalty rewards for holding other iA products, claims-free driving, and savings for anti-theft or electric vehicles. The combined effect of these discounts can lower your premium significantly. Compare options in your quote or speak directly with an agent to maximize your savings.
How do I make a claim and how fast is the process?
You can file a claim online 24/7, by phone at 1-877-770-7778, or through My Client Space. Industrial Alliance aims for rapid claims response, often having an expert contact you within 72 hours of your initial report. The company is recognized in Quebec for efficiency and fast reimbursement, but processing times may vary depending on the claim’s complexity.
What is included in the Automax coverage bundle?
The Automax bundle adds extra benefits such as lost or stolen key reimbursement (up to $500), enhanced travel expenses (up to $3,000 for vehicle rental, $1,500 for trip disruption), increased rented or borrowed vehicle coverage (up to $100,000), no deductible for total loss or hit-and-run (up to $1,000), and accidental death benefits. This rider streamlines multiple protections into a single, cost-effective add-on.
Does Industrial Alliance offer roadside assistance, and what does it cover?
Yes, Industrial Alliance offers optional roadside assistance with four calls per year included. Covered services are battery boost, door unlocking, flat tire change, winching, gas delivery (up to 10 litres), and towing within a 25 km radius. This coverage is available 24/7/365 for added peace of mind on the road; you can add it to your policy when you enroll or at renewal.
Do I have to pay in advance for repairs or assistance with Industrial Alliance?
If you use a partner garage approved by Industrial Alliance, payment for repairs is typically settled directly between the insurer and the repair shop, so you only pay your deductible or uncovered costs. For roadside assistance, service is usually coordinated and covered according to your plan if you have the optional coverage. Always confirm with your claims representative if advance payment is required for your situation.
How do I cancel my car insurance contract with Industrial Alliance?
You can cancel your car insurance with Industrial Alliance by contacting customer service by phone, email, or through My Client Space, ideally at least 30 days before your desired cancellation date, and providing your policy details and a written request; additional documents may be required depending on your circumstances.
What discounts does Industrial Alliance offer for car insurance?
Industrial Alliance provides several possible discounts, including bundling auto with home or RV insurance, multi-vehicle plans, loyalty rewards for holding other iA products, claims-free driving, and savings for anti-theft or electric vehicles. The combined effect of these discounts can lower your premium significantly. Compare options in your quote or speak directly with an agent to maximize your savings.
How do I make a claim and how fast is the process?
You can file a claim online 24/7, by phone at 1-877-770-7778, or through My Client Space. Industrial Alliance aims for rapid claims response, often having an expert contact you within 72 hours of your initial report. The company is recognized in Quebec for efficiency and fast reimbursement, but processing times may vary depending on the claim’s complexity.
What is included in the Automax coverage bundle?
The Automax bundle adds extra benefits such as lost or stolen key reimbursement (up to $500), enhanced travel expenses (up to $3,000 for vehicle rental, $1,500 for trip disruption), increased rented or borrowed vehicle coverage (up to $100,000), no deductible for total loss or hit-and-run (up to $1,000), and accidental death benefits. This rider streamlines multiple protections into a single, cost-effective add-on.
Does Industrial Alliance offer roadside assistance, and what does it cover?
Yes, Industrial Alliance offers optional roadside assistance with four calls per year included. Covered services are battery boost, door unlocking, flat tire change, winching, gas delivery (up to 10 litres), and towing within a 25 km radius. This coverage is available 24/7/365 for added peace of mind on the road; you can add it to your policy when you enroll or at renewal.
