Coronavirus (COVID‑19)

Information about Insurance Coverage Offered by Car Dealerships

Updated: April 16, 2020 at 5:00 p.m.

To date, the government has issued multiple advisories related to the coronavirus. This situation is raising many questions about our group creditor insurance products. The answers to the most frequently asked questions are below.

Frequently Asked Questions (FAQ)

Group Creditor Insurance

How will the insurer apply the contract with respect to all situations related to COVID-19?

Claims related to the COVID-19 situation will be processed in accordance with the contractual clauses stipulated in our group creditor insurance contracts.

Life insurance

Is death resulting from COVID-19 an event that is eligible for a death benefit under the life insurance coverage of the group creditor insurance products?

As long as all contractual clauses are met, a death resulting from COVID-19 will be eligible for a death benefit.

Disability insurance

Is a total disability resulting from COVID-19 an event that is eligible for benefits under the disability insurance coverage of the group creditor insurance products?

As long as all contractual clauses are met, total disability resulting from COVID-19 will be eligible for disability benefits.

Remember that the waiting period stipulated in your contract must elapse before benefits can start.

Is a quarantine (self-imposed or sanctioned) resulting from COVID-19 an event that is eligible for benefits?

Preventive quarantines (self-imposed or sanctioned) when the insured has no disabling symptoms and/or when no COVID-19 diagnosis was given are not events that are eligible for benefits.

If you are diagnosed with COVID-19 (positive COVID-19 test result) and are disabled (unable to perform the main duties of your job, including telework), you are eligible for disability benefits.

However, it’s important to remember that the waiting period under your contract must elapse before benefits can begin.

If it isn’t possible to see a healthcare professional, how can I submit a new disability insurance claim or follow up on an ongoing claim?*

If you cannot have your physician complete the attending physician statement in the disability claim form, you can fill out one of the forms below.

First claim

Current claim

SSQ Insurance will continue to require the initial statement from the employer and employee.

* This information replaces the information in the previous memo.

Is an insured who loses his or her job as a result of the economic downturn caused by COVID-19 eligible for a claim?

No, disability insurance is intended to cover payments under a vehicle financing contract (loan or lease) for an insured who is unable to perform the main tasks of his or her regular work as a result of an illness or an accident.

If my creditor/financial institution grants me a financial reprieve for my next payments on my financial contract (loan or lease), am I still entitled to benefits if I am disabled?

Because your creditor has given you a financial reprieve and that certain financial obligations under your financing contract (loan or lease) are therefore deferred, we will not cover the payments impacted by the reprieve for as they are not due. Our group creditor insurance contract exclusively covers overdue payments that must be paid to the creditor or financial institution.

However, once these payments become due, you may be eligible for benefits for the period during which payments are applicable if you are still disabled. We will reimburse the payments to your creditor or financial institution.

Critical illness

Is a person who has contracted COVID-19 considered as having a critical illness and therefore eligible for critical illness benefits under the critical illness coverage?

COVID-19 is not eligible for critical illness benefits under the critical illness coverage of our group creditor insurance products because it does not appear on the list of covered critical illnesses in our contracts.

Garantie supplémentaire 100 Limite

My warranty is almost up and at the moment it’s impossible to find a mechanic to repair my vehicle. What can I do?

Contact us as soon as any mechanical problems arise so that we can open a file on that date. We will allow your repairs to be done after the end of your warranty period, provided that the mechanical breakdown occurs before the end of the warranty and that you have notified us. Once you are able to book an appointment with a certified mechanic and they send us their evaluation of the problem, we will determine the eligibility of your claim at that time and authorize the appropriate eligible repairs based on your coverage.