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la capitale insurance

La Capitale Assurances Gen Inc. Insurance Company Overview


If you want to get insurance from a larger company to get some peace of mind, you can definitely consider getting insurance from a La Capitale. The company has more than 600,000 members of staff and has its headquarters in Québec city. La Capitale was formed back in 1940 as a mutual fund and started selling insurance in 1947. It is one of the largest insurers in all of Québec, which has definitely done good things for the company in terms of profitability. In fact, in 2015, La Capitale Insurance Company had a total profit of $27,611,000. All of this from only having business in a few different provinces is rather impressive and just goes to show how well this company performs.

Products Offered by Insurance


  • Car Insurance
  • Home Insurance
  • Rec Vehicle Insurance
  • Travel
  • Life
  • Group
  • Health and Disability
  • Credit Protection


  • Group
  • Casualty
  • Property
  • Liability

La Capitale Car Insurance Review

In order to be able to decide if you want to go with La Capitale Insurance Company, you might be interested to find out how well the company does as a business. One of the best ways to be able to tell if an insurance company is a quality company is to see how much business they conduct. This is because most people are not willing to get insurance policies with companies that have bad reputations as insurance companies. Even though La Capitale is located all over Canada and doesn’t sell insurance all over Canada the company still managed to make a total written auto premium of $484,568,000. Seeming as the company did not sell insurance in each province this is a very respectable amount. Although total written auto premium does not take into account the number of claims that the company had to payout, you can easily see that they do conduct a ton of business and that you should feel pretty comfortable getting an insurance policy with them as they are more than likely going to be able to pay out any claims that you make.

La Capitale Car Insurance Products:


Claim forgiveness:

If you’re worried you might get into an at-fault accident, you might want to think about getting claim forgiveness. Picking up claim forgiveness from La Capitale will allow you to be able to avoid having your premiums increased from one or even two at-fault accidents. Most insurance companies will only allow you to be able to have one at-fault accident before increasing your insurance premiums even with this policy, but having that extra coverage available can definitely give you some peace of mind.


One of the best reasons for going with La Capitale is definitely the number of discounts that they have to offer their clients. If you happen to sign up for a two-year contract, you’re eligible for up to $100 in savings. Another way you can save through La Capitale is if you are a driver that doesn’t have any claims in its history. Having no plans allows you to get up to 20% off of your insurance premium. Another very cool discount that the company has to offer is 15% off your insurance premium if you happen to own an electric car or a hybrid car. La Capitale cares about the environment and is happy to support others who care about it as well.

Roadside assistance:

One awesome thing about going with La Capitale Insurance is that they offer their customers a very affordable roadside assistance package. Their roadside assistance package allows you to be able to receive a variety of services free of charge. These services include things like a 50 km tow, unlocking your vehicle, a battery booth, changing your tires, and delivery of fuel. The best part about this road sizes program is that the services are available 24 hours a day throughout Canada, which means you will never be left stranded on the side of the road.

Helicopter transport:

Sometimes after an accident, you are someone else in your vehicle might be in serious need of quick medical assistance. If a local hospital does not have the equipment needed in order to save a life, you could be stuck paying for expensive transportation to a different hospital. With this coverage, you can get emergency medical transportation by helicopter 24 hours a day to a hospital that is capable of providing the medical assistance needed. Although helicopters are needed in all situations it’s definitely nice to know that you have this available to you for your own peace of mind.


One thing that makes this company stand out amongst other insurance companies is that they truly care about their clients. The company allows all of the clients to be able to receive up to 10 hours of counseling per person or up to 20 hours of counseling per event in order to assist with their psychological well-being. Accidents can be quite stressful, especially if the losses are suffered. Counseling is available for up to 12 months after an event occurred, which is always nice to keep in mind.

La Capitale Total Sales/ ranking by province:

total sales

If you’re interested in La Capitale Insurance, you might want to see how popular they are in your area before deciding to go with them. The company does not do business in every single province, which means you might have a difficult time getting insurance with them depending on where you live. It is a good idea to take into account how much business they do in your area before deciding to trend an insurance policy with them. To help show you the amount of business that the company conducts, we have rounded up the direct written premiums by the province in 2015 and accordingly ranked La Capitale against the top 30 insurance companies in each province. Here is what we found:

Province:Direct Written Premiums 2015Ranking on Top 30
Prince Edward IslandN/AN/A
Nova ScotiaN/AN/A
New BrunswickN/AN/A
British ColumbiaN/AN/A
Yukon TerritoryN/AN/A
Northwest TerritoriesN/AN/A

About the Author: Ashley Miller

Ashley is an insurance content professional and very knowledgeable on all related subjects. Ashley has over 12 years of insurance content writing experience working with various insurance companies throughout her career.