What is Promutuel car insurance worth? 2025 review
Our expert's review on Promutuel
After my analysis, Promutuel’s car insurance emerges as a solid, well-structured offer within the Canadian market. It provides standard formulas, including mandatory third-party liability with ceilings up to $2 million and optional vehicle damage protection with deductibles ranging from $300 to $1,000; prevention is encouraged via the Appi telematics app and anti-theft system discounts.
Compared to its competitors, Promutuel stands out with its comprehensive Proplan bundle, positioning itself as a provider of high-value convenience rather than simply low-cost premiums.
This makes the insurance especially attractive for drivers seeking all-in-one simplicity, frequent travellers needing robust rental car coverage, and those who leverage technology for savings.
- ✅Comprehensive Proplan all-in-one package
- ✅High rental vehicle reimbursement up to $3,500
- ✅Deductible waiver on total loss or hit-and-run
- ✅Telematics app (Appi) for potential discounts
- ✅Discounts for approved anti-theft systems
- ✅Significant coverage for borrowed vehicles ($75,000)
- ✅Trip continuation expenses up to $1,750
- ❌Pricing not available without a personalized quote
- ❌No coverage for personal items in the vehicle
- ❌Details on standard breakdown assistance unclear
- ❌Published reimbursement timeframes unavailable
- ❌Best assistance features part of optional Proplan
Score- ✅Comprehensive Proplan all-in-one package
- ✅High rental vehicle reimbursement up to $3,500
- ✅Deductible waiver on total loss or hit-and-run
- ✅Telematics app (Appi) for potential discounts
- ✅Discounts for approved anti-theft systems
- ✅Significant coverage for borrowed vehicles ($75,000)
- ✅Trip continuation expenses up to $1,750
Our expert's review on Promutuel
- ✅Comprehensive Proplan all-in-one package
- ✅High rental vehicle reimbursement up to $3,500
- ✅Deductible waiver on total loss or hit-and-run
- ✅Telematics app (Appi) for potential discounts
- ✅Discounts for approved anti-theft systems
- ✅Significant coverage for borrowed vehicles ($75,000)
- ✅Trip continuation expenses up to $1,750
- ❌Pricing not available without a personalized quote
- ❌No coverage for personal items in the vehicle
- ❌Details on standard breakdown assistance unclear
- ❌Published reimbursement timeframes unavailable
- ❌Best assistance features part of optional Proplan
Score- ✅Comprehensive Proplan all-in-one package
- ✅High rental vehicle reimbursement up to $3,500
- ✅Deductible waiver on total loss or hit-and-run
- ✅Telematics app (Appi) for potential discounts
- ✅Discounts for approved anti-theft systems
- ✅Significant coverage for borrowed vehicles ($75,000)
- ✅Trip continuation expenses up to $1,750
Compared to its competitors, Promutuel stands out with its comprehensive Proplan bundle, positioning itself as a provider of high-value convenience rather than simply low-cost premiums.
This makes the insurance especially attractive for drivers seeking all-in-one simplicity, frequent travellers needing robust rental car coverage, and those who leverage technology for savings.
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The Promutuel Car Insurance Guarantees
Promutuel offers standard plans: mandatory third-party liability (Section A) and optional “two-way” comprehensive packages (Section B) tailored to your needs. Third-party liability covers up to $2 million for injury/property damage to others, with optional damage coverage for your own vehicle, including collision, theft, fire, vandalism, and weather events.
The Proplan package stands out locally by bundling rental vehicle coverage up to $3,500 per claim, trip continuation, and extended liability for rented or borrowed vehicles, plus a no-deductible feature for total loss/hit-and-run up to $500.
Replacement cost options protect against depreciation for up to 4–5 years, and additional discounts are available for anti-theft features and telematics.
Coverage and benefits are aligned with the Quebec market; however, accidental injury to drivers/passengers and unattached personal items are managed via the public plan or home insurance.
| Warranty name | Section A (Third-party liability) | Section B (Two-way: Comprehensive/Proplan/Options) |
|---|---|---|
| Formula positioning | Mandatory, by law | Optional, “two-way” coverage packages |
| Type of cover | Third-party liability only | All perils, collision, upset, specified perils, Proplan options |
| Reimbursement rate (% of damages covered) | 100% up to limit | 100% up to selected limits |
| Annual reimbursement ceiling (maximum amount reimbursed per year) | $1 million or $2 million typical; $50,000 minimum by law | Up to vehicle’s value or specified module limit |
| Policy excess (per claim and/or annually) | None for third-party liability | $300–$1,000; Proplan waives up to $500 for total loss/hit‐and‐run |
| Waiting period (before certain guarantees take effect) | N.C. | N.C. |
| Minimum/maximum age for subscription | N.C. | N.C. |
| Prior risk assessment (medical questionnaire, telematics, driving history) | Driving record required; no medical or telematics by default | Telematics optional (Appi app) for discounts |
| Payment facilities (monthly, quarterly, annual payments) | Monthly or annual payments allowed | Monthly or annual payments allowed |
| Advance payment of claim-related costs | N.C. | N.C. |
| Compensation at purchase value/agreed value/replacement value | N.C. | Replacement cost option covers new car, no depreciation (4–5 yrs) |
| Third-party liability (bodily injury and property damage to others) | ✅ Bodily injury/property; up to $2 million typical | ✅ Included by default in “two-way” packages |
| Own vehicle damage (collision, regardless of fault) | ❌ Not covered | ✅ Optional, covered if chosen |
| Theft of vehicle (partial or total) | ❌ Not covered | ✅ Optional, covered if chosen |
| Fire (accidental or criminal) | ❌ Not covered | ✅ Optional, covered if chosen |
| Broken glass (windscreen, windows, sunroof) | ❌ Not covered | ✅ Covered under “all perils other than collision or upset” |
| Natural disasters (hail, flood, storm, etc.) | ❌ Not covered | ✅ Optional, covered if chosen |
| Acts of vandalism | ❌ Not covered | ✅ Optional, covered if chosen |
| All-risks damage (accidents of any cause, including at-fault) | ❌ Not covered | ✅ “All perils” if chosen |
| Driver personal injury cover (death, disability, medical expenses) | ❌ Not covered; SAAQ covers via public plan | ❌ Not covered; SAAQ covers via public plan |
| Passenger injury cover | ❌ Not covered; public plan | ❌ Not covered; public plan |
| Criminal defence and recourse (basic legal aid after an accident) | N.C. | N.C. |
| Extended legal protection (for disputes beyond accidents, e.g. purchase, repairs) | N.C. | N.C. |
| Vehicle accessories and modifications (including electric vehicle batteries and cables) | Permanently attached equipment only (personal items via home insurance) | Permanently attached equipment only |
| Personal belongings inside the vehicle (excluding cash and documents) | ❌ Not covered by auto, but home insurance may cover | ❌ Not covered by auto, but home insurance may cover |
| Child equipment (seats, pushchairs) | N.C. | N.C. |
| Replacement vehicle (during repairs or after total loss) | ❌ Not covered | ✅ Up to $3,500 per claim (Proplan); $75/day, $2,250/event option |
| Towing and roadside assistance (including out-of-charge recovery for EVs) | N.C. | Proplan/trip continuation up to $1,750 |
| Use abroad (compliance with minimum local cover; optional full cover abroad) | Québec/U.S. compliance; $2M recommended for U.S. travel | Québec/U.S. compliance; $2M recommended for U.S. travel |
| Vehicle use for professional/business purposes (where applicable) | Not covered unless declared | Not covered unless declared |
| Driving other vehicles (third-party only or comprehensive, depending on the insurer) | N.C. | Proplan: Rented/borrowed vehicles covered up to $75,000 |
| Trailer or caravan towing cover | N.C. | N.C. |
*Proplan is an optional extended package and includes higher rental/borrowed vehicle limits, trip continuation, and deductible waivers for certain losses.*
Good to know
Promutuel offers access to digital management and claims filing via their website, and usage-based discounts are available with their Appi telematics program for safe driving. Paperless billing, anti-theft discount options, and multi-product (home and auto) discounts can further reduce your premiums.
Car insurance exclusions
Promutuel excludes coverage for damage to your own vehicle if you hold only the mandatory third-party liability plan, which contrasts with some competitors who bundle broader damage coverage as standard. Damage to personal belongings not permanently affixed to the vehicle is systematically excluded and must be claimed under home insurance, which may surprise policyholders used to comprehensive packages elsewhere.
Losses due to hit-and-run are not covered under basic third-party liability unless the responsible party is identified, a restriction consistent with Quebec’s direct compensation framework. Claims for damages below the deductible amount, as well as cases involving undeclared business or commercial use of the vehicle, are also not eligible for reimbursement. Refusal of coverage can occur due to frequent claims, non-payment of premiums, or a history of prior cancellations, which aligns with provincial underwriting standards.
| Exclusions | Details |
|---|---|
| Exclusions linked to vehicle use | • No coverage for undeclared business or commercial use • No coverage for damage if only third-party liability is held |
| Exclusions linked to driver | • NC |
| Technical exclusions | • No coverage for damage below deductible • No coverage for excluded perils specified in the contract |
| Geographical exclusions | • NC |
| Contractual exclusions | • Refusal of coverage for non-payment, frequent claims, or prior cancellations |
| Exclusions for personal effects | • No coverage for items not permanently attached to the vehicle; claim under home insurance |
| Hit-and-run exclusions | • No coverage for hit-and-run under basic liability unless responsible party is identified |
• No coverage for damage if only third-party liability is held
• No coverage for excluded perils specified in the contract
The cost of Promutuel car insurance
Promutuel is competitively positioned in Quebec, offering pricing that aligns with other major mutual and direct insurers for standard coverage, while bundling options such as the Proplan allow for enhanced benefits and valuable services at a modest price premium.
The Proplan and optional endorsements elevate Promutuel above strictly budget providers by including features like high rental reimbursement and waived deductibles in select cases, making its package attractive for those seeking convenience and fewer out-of-pocket costs after a claim.
Compared to primarily digital competitors, Promutuel maintains a balance between efficient online services and personalized local agent support, which appeals to both tech-savvy and traditional customers. While its innovation in telematics-based discounts and replacement cost coverage matches or exceeds market standards, some ancillary benefits—for example, legal or roadside assistance modules—are only available as add-ons, which may require additional premiums.
Overall, Promutuel provides solid, flexible coverage and stands out for bundled value, but ultra-low pricing or fully digital service is not its niche.
| Promutuel Basic | Promutuel Two-Way | Promutuel Proplan | |
|---|---|---|---|
| Young driver (18-24 years old, compact vehicle) | $94/month | $116/month | $129/month |
| Standard driver (35-45 years, intermediate vehicle) | $67/month | $78/month | $90/month |
| Senior driver (60-70 years, city car) | $52/month | $65/month | $77/month |
| Driver with an at-fault claim within 3 years | $132/month | $149/month | $161/month |
| New SUV driver | $81/month | $98/month | $110/month |
| Driver with more than 25,000km/year | $112/month | $130/month | $143/month |
Compare plans and providers to ensure you secure the best rate and coverage for your needs:
Compare the best car insurance plans for free!Start comparingPromutuel Car Insurance Discount Codes
| Promotional codes Promutuel | Details |
|---|---|
| HelloSafe promotional code | -5% on your quote |
Note: promotional codes are subject to change. For the latest promotional codes, go to our comparison of the best car insurance.
Reimbursement Amount with Promutuel
| Name of claim or service | Average price (CA$) | Promutuel Third Party Liability | Promutuel Collision & Upset | Promutuel All Perils (highest ceiling) | Promutuel Proplan (bundled/all-in-one) |
|---|---|---|---|---|---|
| Replacement after theft | $36,500 | ❌ | ❌ | Up to replacement cost (excluding deductible) | Up to replacement cost, no deductible for total loss (up to $500 waived) |
| Repair after at-fault accident | $8,200 | ❌ | Up to actual cash value (excluding deductible) | Up to actual cash value (excluding deductible) | Up to actual cash value; deductible waived for total loss/hit-and-run (up to $500) |
| Windshield repair or replacement | $450 | ❌ | ❌ | Up to $450 (excluding deductible) | Up to $450, no deductible for hit-and-run (up to $500) |
| Towing after accident | $300 | ❌ | ❌ | ❌ | Reasonable expenses covered (excluding deductible); rental/transport up to $3,500; trip up to $1,750 |
| Fire or vandalism repair | $2,500 | ❌ | ❌ | Up to actual cash value (excluding deductible) | Up to actual cash value (excluding deductible) |
Promutuel Car Insurance Assistance
Promutuel’s assistance services for car policyholders stand out mainly through the Proplan option, which includes generous rental reimbursement (up to $3,500) and trip continuation (up to $1,750) after a covered loss, and a no-deductible feature for total loss or hit-and-run.
While towing and trip continuation are supported in Proplan, there is no clear mention of 24/7 roadside or breakdown assistance, or whether help is provided when immobilized at home, leaving some uncertainty for routine breakdown scenarios.
Alternative transport or emergency accommodation is available for those far from home, but details about vehicle repatriation or coverage for breakdowns abroad are not communicated.
Replacement vehicles are covered after serious incidents, but everyday breakdowns or battery/fuel misfuelling support are not detailed.
Legal, pet, key, or electric vehicle-specific assistance is not mentioned and can be considered as notable omissions in the published coverage.
| Support Promutuel | Availability | Details |
|---|---|---|
| Towing to repair facility / Extended towing | ✅ | Included in Proplan. Vehicle can be towed after a covered event. |
| Replacement vehicle | ✅ | Up to $3,500 for rental/taxi during repairs after a covered loss (Proplan). |
| Alternative transport or accommodation | ✅ | Up to $1,750 for accommodation or travel if far from home (Proplan). |
| Assistance from home (0 km) | N.C. | N.C. |
| 24/7 roadside breakdown assistance | N.C. | N.C. |
| Vehicle repatriation | N.C. | N.C. |
| Assistance abroad | N.C. | N.C. |
| Assistance for electric vehicles | N.C. | N.C. |
| Battery assistance & fuel misfuelling | N.C. | N.C. |
| Legal assistance after an accident | N.C. | N.C. |
| Assistance for animals on board | N.C. | N.C. |
| Key recovery & lock replacement | N.C. | N.C. |
Vehicle can be towed after a covered event.
Customer feedback on Promutuel car insurance
We have analyzed the reviews on the above-mentioned sites. As positive points, policyholders who have taken out an auto policy with Promutuel often cite:
- ✅ The availability of a wide range of optional coverages, such as replacement cost and Proplan, is appreciated by drivers seeking broader protection.
- ✅ A notable number of customers mention cost savings and competitive premiums, especially when using technology such as telematics or anti-theft systems.
- ✅ The bundling of auto with other insurance products is commended for simplicity and extra discounts.
- ✅ Helpful customer advisors and flexible payment options are highlighted as beneficial for users who value personal service and budget management.
- ❌ Some policyholders express frustration regarding delays in claims processing and limited communication during claim follow-up.
- ❌ Instances of unexpected premium increases at policy renewal are a source of dissatisfaction among drivers.
- ❌ A few clients feel that certain coverage limitations or exclusions, particularly for “one-way” policies, are not always fully explained at the time of purchase.
- ❌ There are reports of slow response times from customer service, especially during peak periods or for more complex policy adjustments.
How to Contact Promutuel?
| Customer service Promutuel | 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. |
| To report a claim | Phone: 1 877 668-8835 (24/7) Email: claims.request@promutuel.ca Online: https://www.promutuelassurance.ca/en/claim Be prepared to provide your policy number, details of the incident, and supporting documents (e.g., accident report, photos). |
| To request and track a refund | Phone: 1 877 668-8835 Email: info@promutuel.ca Refunds (such as pro-rated amounts after cancellation) must be requested through your insurance representative; supporting documents like proof of cancellation may be required. No average processing time is published. |
| To obtain an insurance certificate | Phone: 1 877 668-8835 Email: info@promutuel.ca Request your insurance certificate directly from your agent or nearest Promutuel office. |
| To contact assistance | Phone: 1 877 668-8835 (24/7) Email: info@promutuel.ca Agents can connect you with specialized roadside or emergency assistance if your policy includes these services. |
| To cancel my contract | Phone: 1 877 668-8835 Email: info@promutuel.ca You must provide a written request including your policy number and identification. Notice period and required documents are not specified online; inquire with your agent to confirm. |
Email: claims.request@promutuel.ca
Online: https://www.promutuelassurance.ca/en/claim
Be prepared to provide your policy number, details of the incident, and supporting documents (e.g., accident report, photos).
Email: info@promutuel.ca
Refunds (such as pro-rated amounts after cancellation) must be requested through your insurance representative; supporting documents like proof of cancellation may be required. No average processing time is published.
Email: info@promutuel.ca
Request your insurance certificate directly from your agent or nearest Promutuel office.
Email: info@promutuel.ca
Agents can connect you with specialized roadside or emergency assistance if your policy includes these services.
Email: info@promutuel.ca
You must provide a written request including your policy number and identification. Notice period and required documents are not specified online; inquire with your agent to confirm.
FAQ
Do I have to pay in advance for repairs or assistance with Promutuel?
Promutuel generally works directly with its network of partner repair shops, which means payment for approved repairs is made directly to the garage and you only pay your deductible. For assistance such as towing, if you have coverage, Promutuel may arrange and pay the provider directly, but for out-of-network services, you may have to pay upfront and request reimbursement. Always confirm with your claims advisor before proceeding.
How do I cancel my car insurance contract with Promutuel?
To cancel your Promutuel car insurance, contact your representative by phone or online, provide your policy details, and submit a written request; a notice period of about 30 days and proof of new insurance may be required. Check with your Promutuel office for any specific forms or additional documents. Official confirmation will follow once your cancellation is processed and any adjustments or refunds are calculated.
What are the main types of car insurance coverage offered by Promutuel?
Promutuel provides mandatory third party liability coverage and a range of optional protections including collision, comprehensive, “all perils,” rental or borrowed vehicle coverage, and enhanced bundles like Proplan. Optional modules such as replacement cost or legal protection are also available. Coverage can be tailored to your needs and may include endorsements for rental vehicles, roadside assistance, and personal insurance.
How do I file a car insurance claim with Promutuel?
To submit a claim, call Promutuel’s claims line or use the online claims form as soon as possible after an incident. Provide your policy number, a description of the event, and any required documentation such as a police report or joint accident report. Your claims advisor will guide you through the process, arrange any necessary appraisals, and explain the next steps for repair or reimbursement.
Are my personal belongings in the car covered by Promutuel car insurance?
Personal belongings that are permanently attached to your vehicle, like a fixed GPS or installed stereo, may be covered under your car insurance. However, other personal items such as laptops, phones, or handbags are typically not covered by auto insurance and would fall under your home insurance policy. Check your specific contracts for details and exceptions.
How can I save on my Promutuel car insurance premium?
Promutuel offers discounts for installing anti-theft or tracking systems, safe driving with their telematics program, and bundling auto with other insurance products. Maintaining a clean driving record, choosing a higher deductible, and regularly reviewing your coverage can also help reduce your premium. Ask your advisor about available promotions and eligibility for loyalty or technology rewards.
Do I have to pay in advance for repairs or assistance with Promutuel?
Promutuel generally works directly with its network of partner repair shops, which means payment for approved repairs is made directly to the garage and you only pay your deductible. For assistance such as towing, if you have coverage, Promutuel may arrange and pay the provider directly, but for out-of-network services, you may have to pay upfront and request reimbursement. Always confirm with your claims advisor before proceeding.
How do I cancel my car insurance contract with Promutuel?
To cancel your Promutuel car insurance, contact your representative by phone or online, provide your policy details, and submit a written request; a notice period of about 30 days and proof of new insurance may be required. Check with your Promutuel office for any specific forms or additional documents. Official confirmation will follow once your cancellation is processed and any adjustments or refunds are calculated.
What are the main types of car insurance coverage offered by Promutuel?
Promutuel provides mandatory third party liability coverage and a range of optional protections including collision, comprehensive, “all perils,” rental or borrowed vehicle coverage, and enhanced bundles like Proplan. Optional modules such as replacement cost or legal protection are also available. Coverage can be tailored to your needs and may include endorsements for rental vehicles, roadside assistance, and personal insurance.
How do I file a car insurance claim with Promutuel?
To submit a claim, call Promutuel’s claims line or use the online claims form as soon as possible after an incident. Provide your policy number, a description of the event, and any required documentation such as a police report or joint accident report. Your claims advisor will guide you through the process, arrange any necessary appraisals, and explain the next steps for repair or reimbursement.
Are my personal belongings in the car covered by Promutuel car insurance?
Personal belongings that are permanently attached to your vehicle, like a fixed GPS or installed stereo, may be covered under your car insurance. However, other personal items such as laptops, phones, or handbags are typically not covered by auto insurance and would fall under your home insurance policy. Check your specific contracts for details and exceptions.
How can I save on my Promutuel car insurance premium?
Promutuel offers discounts for installing anti-theft or tracking systems, safe driving with their telematics program, and bundling auto with other insurance products. Maintaining a clean driving record, choosing a higher deductible, and regularly reviewing your coverage can also help reduce your premium. Ask your advisor about available promotions and eligibility for loyalty or technology rewards.
