Auto Haulers Insurance in Quebec: Specialized Coverage for Car Haulers & Vehicle Transporters
Protect your valuable cargo and your business with tailored insurance designed specifically for Quebec's vehicle transporters. Get the right coverage, from on-hook liability to commercial auto, and ensure you're protected from terminal to destination.
Coverage Options for Auto Transport Companies
Transporting vehicles isn't the same as moving regular freight. Whether you run a single car hauler or manage a fleet of transporters, you are moving cargo that can be worth millions in a single trip. Standard trucking coverage often has exclusions or limits for this type of load, leaving dangerous gaps that could put your business at financial risk. At Qubit Insurance, we specialize in auto hauler insurance solutions built for these unique challenges. Our policies are designed to protect your vehicles, your trailers, your liability, and most importantly, the cars you are entrusted to deliver. We also ensure your coverage meets all Quebec and cross-border regulations, giving you complete peace of mind on the road. An effective transportation insurance plan addresses both common and specialized risks in vehicle hauling:
Commercial Auto Liability
Required by law, covers injury or property damage caused by your trucks or trailers.
Cargo Liability
Essential protection if vehicles in transit are damaged, stolen, or lost. One incident can involve multiple cars and major costs.
Physical Damage
Protects your own haulers and trailers against collision, theft, fire, or vandalism.
Trailer Interchange Coverage
Covers situations when you pull non-owned trailers under contract.
Garage Liability
Important if you also store or handle cars before or after transport.
Downtime & Rental Reimbursement
Keeps your operations moving by covering rental costs or lost income if equipment is out of service.
Insurance Requirements for Car Haulers in Quebec
Quebec has strict legal requirements for auto haulers. Missing a step can mean fines, contract delays, or being taken off the road. SAAQ filings — Mandatory for registering and operating commercial vehicles in Quebec. CTQ permits — Issued by the Quebec Transport Commission, required before you can legally operate as a commercial hauler. MCS-90 endorsements — Needed for U.S. operations to prove financial responsibility in case of accidents. Client contracts — Many dealerships, auction houses, and brokers require proof of higher liability and cargo limits before awarding work. Our brokers ensure your coverage meets all these car hauler insurance requirements, so you can operate smoothly and win contracts without delays.
Why Businesses Trust Qubit for Auto Hauler Insurance
Choosing an insurance partner is about more than just price. For auto haulers, you need an insurance broker who understands the realities of moving cars across provinces and borders.
1
Independent Brokerage
As independent car hauler insurance brokers, we shop the market for you, comparing policies from leading insurers to secure the best coverage at the most competitive price.
2
Compliance Expertise
Our team manages filings and permits, including SAAQ, CTQ, and U.S. MCS-90 endorsements, so you stay compliant on every route.
3
Tailored Coverage
Many insurers sell general fleet policies that may exclude vehicles in transit. We build insurance coverage specifically for car haulers.
4
Local Advantage
Based in Montreal, we provide bilingual support and understand the unique regulations of Quebec's transportation sector.
5
Claims Support
When an accident happens, we guide you through the claims process to reduce downtime and financial stress.
6
Licensed & Trusted
As a brokerage licensed and regulated by Quebec's AMF, you can have complete confidence that you are partnering with a trusted, professional firm.
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What Affects the Cost of Car Hauler Insurance
The cost of auto hauler insurance depends on your unique business profile. Insurers evaluate risk factors such as: Driver history — Experienced, claim-free drivers reduce risk and lower premiums. Equipment value — Newer, well-maintained haulers often cost less to insure. Vehicles transported — Carrying luxury, exotic, or specialty cars increases risk compared to standard passenger vehicles. Routes and distances — Long-haul and cross-border routes may require higher coverage. Safety programs — Businesses with strong compliance and safety records often qualify for better rates. We explain these factors clearly and compare quotes from several car hauler insurance companies, so you understand why you're paying what you are — and how to reduce costs where possible.
Real Situations Where Auto Hauler Insurance Helps
A multi-vehicle hauler is in a highway collision; liability and cargo coverage is activated to protect your business and the cars in transit. An auto transport trailer is stolen from a rest stop; physical damage and cargo liability cover the loss. A dealership requires higher cargo liability limits before awarding a contract; Qubit arranges the increase quickly, subject to underwriting and carrier approval. These real-world examples show why general fleet coverage isn't enough, and why tailored insurance for car haulers is critical.
Why Choose Qubit Insurance?
Because we've been insurance customers too, we understand the pain points and focus on what truly matters most.
Exceptional Service
Claims Support
Availability to Help
Competitive Prices
Unbiased Advice
100% Reliable
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Frequently Asked Questions
Got questions about coverage, payments, or claims? Find clear answers here, or reach out to us directly.
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Together, these coverages ensure that both your business assets and your customers' vehicles are fully protected.
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