{"id":6780,"date":"2026-09-08T16:23:32","date_gmt":"2026-09-08T16:23:32","guid":{"rendered":"https:\/\/www.laturquoise.ca\/?p=6780"},"modified":"2026-09-08T16:25:16","modified_gmt":"2026-09-08T16:25:16","slug":"replacement-insurance-cime","status":"publish","type":"post","link":"https:\/\/www.laturquoise.ca\/en\/replacement-insurance-cime\/","title":{"rendered":"Replacement insurance (CIME)"},"content":{"rendered":"\n<section class=\"article-hero container reveal\">\n    <div class=\"article-hero__top\">\n                    <p class=\"article-hero__label anim anim-fade-right\">\n                Article            <\/p>\n        \n                    <h1 class=\"article-hero__title anim anim-fade-right\">\n                Replacement insurance in Quebec: how it works, settlement and new value protection            <\/h1>\n        \n        <div class=\"article-hero__meta\">\n                            <ul class=\"article-hero__tags anim anim-fade-up\" aria-label=\"Cat\u00e9gories\">\n 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                  <\/a>\n                        <\/li>\n                                            \n                        <li class=\"article-hero__tag-item\">\n                            <a class=\"article-hero__tag\" href=\"https:\/\/www.laturquoise.ca\/en\/category\/la-turquoise\/\">\n                                La Turquoise                            <\/a>\n                        <\/li>\n                                            \n                        <li class=\"article-hero__tag-item\">\n                            <a class=\"article-hero__tag\" href=\"https:\/\/www.laturquoise.ca\/en\/category\/personal\/\">\n                                Personal                            <\/a>\n                        <\/li>\n                                            \n                        <li class=\"article-hero__tag-item\">\n                            <a class=\"article-hero__tag\" href=\"https:\/\/www.laturquoise.ca\/en\/category\/practical-advice\/\">\n                                Practical Advice                            <\/a>\n                        <\/li>\n                                            \n                        <li class=\"article-hero__tag-item\">\n                            <a class=\"article-hero__tag\" href=\"https:\/\/www.laturquoise.ca\/en\/category\/recreational-vehicles\/\">\n                                Recreational Vehicles                            <\/a>\n                        <\/li>\n                                    <\/ul>\n            \n            <div class=\"article-hero__details anim anim-fade-up\">\n                                    <time class=\"article-hero__date\" datetime=\"2026-09-08\">\n                        8 September 2026                    <\/time>\n                \n                                    <span class=\"article-hero__details-sep\" aria-hidden=\"true\"><\/span>\n\n                    <span class=\"article-hero__read-time\">\n                        4 min                    <\/span>\n                            <\/div>\n        <\/div>\n    <\/div>\n\n    <div class=\"article-hero__byline anim anim-fade-up\">\n                    <div class=\"article-hero__author-badge\">\n                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"35\" height=\"32\" viewBox=\"0 0 35 32\" fill=\"none\">\n  <path d=\"M17.07 32C5.847 32 0 24.425 0 15.97 0 7.046 6.732 0 17.07 0c10.34 0 10.747 32 0 32zm-5.909-16.03c0 6.103 1.064 13.625 5.91 13.625s5.91-6.632 5.91-13.626c0-5.522-.825-13.564-5.91-13.564-5.086 0-5.91 8.632-5.91 13.564z\" fill=\"#00ABCD\"\/>\n  <path d=\"M17.22 0c-.15 0-.292.018-.443.018v.035h.212c10.304 0 10.782 31.885.036 31.947h.196c10.382 0 17.15-7.047 17.15-15.97C34.372 7.576 28.499 0 17.222 0z\" fill=\"#006B78\"\/>\n<\/svg>\n\n                <span class=\"article-hero__author-label\">\n                        Written by Cabinet La Turquoise                    <\/span>\n            <\/div>\n        \n                        <ul 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src=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/09\/iStock-2205852009.jpg\" class=\"attachment-full size-full\" alt=\"Vue a\u00e9rienne d&#039;une route traversant une for\u00eat dense compos\u00e9e principalement de conif\u00e8res. Trois v\u00e9hicules circulent sur la chauss\u00e9e dans un environnement naturel verdoyant. L&#039;image met en valeur les d\u00e9placements routiers, la mobilit\u00e9 automobile et l&#039;importance de prot\u00e9ger son v\u00e9hicule pour conserver sa tranquillit\u00e9 d&#039;esprit lors de ses d\u00e9placements.\" srcset=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/09\/iStock-2205852009.jpg 1183w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/09\/iStock-2205852009-300x225.jpg 300w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/09\/iStock-2205852009-1024x768.jpg 1024w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/09\/iStock-2205852009-768x576.jpg 768w\" sizes=\"auto, (max-width: 1183px) 100vw, 1183px\" title=\"Vue a\u00e9rienne d&#039;une route traversant une for\u00eat dense compos\u00e9e principalement de conif\u00e8res. Trois v\u00e9hicules circulent sur la chauss\u00e9e dans un environnement naturel verdoyant. L&#039;image met en valeur les d\u00e9placements routiers, la mobilit\u00e9 automobile et l&#039;importance de prot\u00e9ger son v\u00e9hicule pour conserver sa tranquillit\u00e9 d&#039;esprit lors de ses d\u00e9placements.\" \/>    <\/div>\n\n            <div class=\"article-hero__back anim anim-fade-up\">\n            <a href=\"https:\/\/www.laturquoise.ca\/en\/blog\/\" class=\"article-hero__back-link\">\n                <svg class=\"article-hero__back-icon\" aria-hidden=\"true\" width=\"6\" height=\"11\">\n                    <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#chevron-prev\"\/>\n                <\/svg>\n\n                Return to all articles            <\/a>\n\n                            |<span class=\"article-hero__back-label\">Article <\/span>\n                    <\/div>\n    <\/section>\n\n\n<section class=\"article-summary container reveal\">\n    <nav class=\"article-summary__nav anim anim-fade-up\" aria-label=\"Sommaire de l\u2019article\"\n         data-article-summary>\n                    <h2 class=\"article-summary__title title-m\">\n                In this article            <\/h2>\n        \n        <ol class=\"article-summary__list\" data-article-summary-list><\/ol>\n    <\/nav>\n<\/section>\n\n\n<div class=\"wp-block-columns article-layout container is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column article-content wysiwyg is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading\"><strong>What is replacement insurance, also known as Quebec Policy Form No. 5 (Q.P.F. No. 5)?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Replacement insurance is complementary coverage to your auto insurance in Quebec. It can help offset your vehicle\u2019s depreciation after a total loss or theft, depending on the conditions set out in the contract.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In this article, you will learn how this coverage works, how settlement amounts may be calculated and what to review before making a decision.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1254\" height=\"836\" src=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/09\/2271367400-Modifie.jpg\" alt=\"Vue d'une maison unifamiliale en brique avec garage double dans un quartier r\u00e9sidentiel. Un v\u00e9hicule utilitaire sport noir est stationn\u00e9 dans l'entr\u00e9e devant la r\u00e9sidence. L'am\u00e9nagement paysager comprend une pelouse, des arbres et des arbustes, sous un ciel bleu d\u00e9gag\u00e9. Cette sc\u00e8ne illustre l'utilisation quotidienne d'un v\u00e9hicule personnel et son importance pour les d\u00e9placements des m\u00e9nages.\" class=\"wp-image-6785\" srcset=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/09\/2271367400-Modifie.jpg 1254w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/09\/2271367400-Modifie-300x200.jpg 300w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/09\/2271367400-Modifie-1024x683.jpg 1024w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/09\/2271367400-Modifie-768x512.jpg 768w\" sizes=\"auto, (max-width: 1254px) 100vw, 1254px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>What is the difference between<\/strong> <strong>replacement insurance and basic auto insurance<\/strong> <strong>coverage?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">In Quebec, replacement insurance is complementary coverage to your auto insurance policy. In case of theft or total loss, it can allow you to receive a higher settlement amount to replace your vehicle.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The goal is to limit financial losses related to the depreciation of your vehicle\u2019s value.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Normally, you would only be compensated based on what the vehicle is worth at the time of loss. This means it can help protect the investment you made in your vehicle.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>How is the settlement amount calculated?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The amount you receive depends on the terms of the contract and the condition of the vehicle when it was purchased.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>New vehicle: You are compensated based on the value of a similar current-year new vehicle, without depreciation.<\/li>\n\n\n\n<li>Used vehicle bought from a dealer: You are compensated based on the purchase price, plus an indexed percentage for each year of use.<\/li>\n\n\n\n<li>Used vehicle bought from a private seller: You may receive an increased settlement amount from your auto insurer.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>What can replacement insurance include?<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>No deductible in case of total loss<\/li>\n\n\n\n<li>Deductible reimbursement in case of partial loss<\/li>\n\n\n\n<li>Courtesy vehicle<\/li>\n\n\n\n<li>Fixed premium<\/li>\n\n\n\n<li>Available coverage period<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>What types of vehicles can be covered by replacement insurance in Quebec?<\/strong><\/h2>\n\n\n\n<div class=\"wp-block-media-text is-stacked-on-mobile\"><figure class=\"wp-block-media-text__media\"><img loading=\"lazy\" decoding=\"async\" width=\"835\" height=\"1257\" src=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/09\/iStock-859632566.jpg\" alt=\"V\u00e9hicule r\u00e9cr\u00e9atif motoris\u00e9 stationn\u00e9 dans une for\u00eat aux couleurs de l'automne. De grands arbres aux feuillages jaunes, orang\u00e9s et verts entourent le v\u00e9hicule, tandis que le sol est recouvert de feuilles tomb\u00e9es. L'image repr\u00e9sente les d\u00e9placements en v\u00e9hicule de loisirs et les diff\u00e9rents types de v\u00e9hicules pouvant \u00eatre prot\u00e9g\u00e9s par une couverture adapt\u00e9e.\" class=\"wp-image-6787 size-full\" srcset=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/09\/iStock-859632566.jpg 835w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/09\/iStock-859632566-199x300.jpg 199w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/09\/iStock-859632566-680x1024.jpg 680w, https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/09\/iStock-859632566-768x1156.jpg 768w\" sizes=\"auto, (max-width: 835px) 100vw, 835px\" \/><\/figure><div class=\"wp-block-media-text__content\">\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.laturquoise.ca\/en\/personal\/automobile\/\" target=\"_blank\" rel=\"noreferrer noopener\">Auto insurance<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.laturquoise.ca\/en\/personal\/motorcycle-and-three-wheeler\/\" target=\"_blank\" rel=\"noreferrer noopener\">Motorcycle insurance<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.laturquoise.ca\/en\/personal\/snowmobile\/\" target=\"_blank\" rel=\"noreferrer noopener\">Snowmobile insurance<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.laturquoise.ca\/en\/personal\/atv-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener\">ATV, quad and side-by-side insurance<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.laturquoise.ca\/en\/personal\/motorized-recreational-vehicle-rv\/\" target=\"_blank\" rel=\"noreferrer noopener\">RV insurance<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.laturquoise.ca\/en\/personal\/recreational-vehicles\/\" target=\"_blank\" rel=\"noreferrer noopener\">Travel trailer and tent trailer insurance<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.laturquoise.ca\/en\/personal\/recreational-vehicles\/\" target=\"_blank\" rel=\"noreferrer noopener\">Caravan and motorhome insurance<\/a><\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>How does replacement insurance work?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A vehicle generally loses value over time. After a theft or a total loss, the settlement from your primary insurance may be lower than the amount needed to replace it.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Replacement insurance is designed to reduce this gap, based on the conditions set out in the contract. For example:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Recent vehicle<\/strong>: If the vehicle is declared a total loss, its value may be lower than the cost of a comparable vehicle. The coverage may help reduce the impact of this difference.<\/li>\n\n\n\n<li><strong>Used vehicle:<\/strong> The settlement varies based on the contract terms and the characteristics of the insured vehicle.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Before buying this coverage, review what is included, what is excluded and when the coverage applies.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Replacement insurance or replacement cost endorsement?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">In Quebec, the replacement cost endorsement, also known as Quebec Endorsement Form No. 43 (Q.E.F. No. 43), also helps protect you against depreciation.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Both options work in a similar way. However, a replacement insurance policy (FPQ 5) may offer additional features such as:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Separate contract<\/strong>: It does not affect the cost of your main insurance policy.<\/li>\n\n\n\n<li><strong>Fixed premium<\/strong>: The cost does not change during the contract term.<\/li>\n\n\n\n<li>Deductible reimbursement in case of total or partial loss.<\/li>\n\n\n\n<li>Courtesy vehicle extension.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/lautorite.qc.ca\/en\/general-public\/insurance\/auto-insurance\/replacement-cost-and-replacement-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">To better understand the differences between replacement cost endorsement and replacement insurance, consult the explanations from the Autorit\u00e9 des March\u00e9s Financiers.<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For its part, the replacement cost endorsement (Q.E.F. No. 43) offers the advantage of paying a settlement by cheque, which gives you the option not to replace the vehicle.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The cost of a replacement insurance policy depends on your vehicle model and features. A personalized estimate is needed before a price can be determined.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>How do you know if replacement insurance is right for you?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The choice between replacement insurance and other coverage depends on your vehicle, your contract and your needs.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.laturquoise.ca\/en\/contact-us\/\" data-type=\"link\" data-id=\"https:\/\/www.laturquoise.ca\/en\/contact-us\/\">Before buying, compare the coverage, exclusions and settlement terms. To review your options, contact a broker by phone or email.<\/a><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:38%\">\n<div class=\"article-broker-tip reveal\">\n    <div class=\"article-broker-tip__icon anim anim-fade-up\" aria-hidden=\"true\">\n        <img src=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg\/dist\/article-broker-tip-icon.svg\" width=\"51\" height=\"52\" alt=\"\" loading=\"lazy\" decoding=\"async\">    <\/div>\n\n            <div class=\"article-broker-tip__content wysiwyg anim anim-fade-up\">\n            <h2>Broker&#8217;s tip<\/h2>\n<p>Before buying replacement insurance, compare the coverage offered, exclusions and the total cost of the contract. Your broker can help you understand the differences between the options available.<\/p>\n        <\/div>\n    <\/div><\/div>\n<\/div>\n\n\n\n<section class=\"article-author container reveal\">\n    <div class=\"article-author__inner anim anim-fade-up\">\n        \n        <div class=\"article-author__content anim anim-fade-right\">\n                            <p class=\"article-author__label\">\n                    Written by                <\/p>\n            \n                            <h2 class=\"article-author__name title-m\">\n                                            <a class=\"article-author__name-link\" href=\"https:\/\/www.laturquoise.ca\/en\/authors\/magalie-rouillot-2\/\">\n                            Cabinet La Turquoise                        <\/a>\n                                    <\/h2>\n            \n                            <div class=\"article-author__position\">\n                                            <p class=\"article-author__position-title\">\n                            Director, Talent Acquisition, CRHA                        <\/p>\n                    \n                                    <\/div>\n            \n                            <div class=\"article-author__bio wysiwyg\">\n                    <p><span style=\"font-weight: 400\">Magalie Rouillot, CRHA, is Director of Talent Acquisition at La Turquoise. With more than 10 years of experience in human resources, she believes that the right people thrive in an environment that feels like home. She supports candidates and teams in building lasting professional paths, in a workplace grounded in proximity and trust.<\/span><\/p>\n                <\/div>\n                    <\/div>\n    <\/div>\n<\/section>\n\n\n<section class=\"cta-banner container reveal\">\n            <div class=\"cta-banner__content wysiwyg anim anim-fade-up\">\n            <h2><span style=\"font-weight: 400\">Get the coverage that&#8217;s right for you<\/span><\/h2>\n<p><span style=\"font-weight: 400\">Contact a broker to get a personalized quote and advice tailored to your situation.<\/span><\/p>\n        <\/div>\n    \n            <div class=\"cta-banner__actions anim anim-fade-up\">\n                            <div class=\"cta-banner__action\">\n                                            \n<div class=\"cta-dropdown\" data-cta-dropdown>\n    <button class=\"cta-dropdown__trigger btn btn--white-outlined-blue\" type=\"button\"\n            aria-expanded=\"false\" data-cta-dropdown-trigger>\n        Get a quote        <svg class=\"cta-dropdown__trigger-icon\" aria-hidden=\"true\" width=\"11\" height=\"6\">\n            <use xlink:href=\"https:\/\/www.laturquoise.ca\/wp-content\/themes\/hamak-theme\/img\/svg-sprite.svg?1781534228#chevron\"\/>\n        <\/svg>\n    <\/button>\n\n    <div class=\"cta-dropdown__panel\" data-cta-dropdown-panel>\n        \n                    <div class=\"cta-dropdown__links\">\n                                    \n                    <a href=\"tel:18555722247\" class=\"cta-dropdown__link btn btn--white-outlined-blue\" aria-label=\"1.855.572.2247\"><span>1.855.572.2247<\/span><\/a>                                    \n                    <a href=\"mailto:contactez-nous@laturquoise.ca\" class=\"cta-dropdown__link btn btn--blue-dark\" aria-label=\"contactez-nous@laturquoise.ca\"><span>contactez-nous@laturquoise.ca<\/span><\/a>                            <\/div>\n            <\/div>\n<\/div>                                    <\/div>\n            \n                            <div class=\"cta-banner__action\">\n                                            <a href=\"https:\/\/laturquoise.ca\/fr\/nous-joindre\/\" class=\"cta-banner__link btn btn--blue-dark\" aria-label=\"Contact us\"><span>Contact us<\/span><\/a>                                    <\/div>\n                    <\/div>\n    <\/section>\n\n\n\n<section class=\"needs-cards container reveal\">\n            <div class=\"needs-cards__content wysiwyg anim anim-fade-up\">\n            <h2><span style=\"font-weight: 400\">Insurance solutions designed for your everyday life<\/span><\/h2>\n<p><span style=\"font-weight: 400\">Because every situation is different, we offer coverage tailored to your specific needs, whether it\u2019s for your personal property, your activities, or your business.<\/span><\/p>\n        <\/div>\n    \n            <ul class=\"needs-cards__list\">\n                            \n                <li class=\"needs-cards__item anim anim-fade-up\">\n                    <a class=\"need-card\" href=\"https:\/\/www.laturquoise.ca\/en\/personal\/\"\n                            >\n                                                    <div class=\"need-card__icon\" aria-hidden=\"true\">\n                                <img decoding=\"async\" src=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/05\/personal-discounts-icon-2.svg\" class=\"attachment-full size-full\" alt=\"personal-discounts-icon-2\" \/>                            <\/div>\n                        \n                        <h3 class=\"need-card__title title-m\">\n                            Personal                         <\/h3>\n                    <\/a>\n                <\/li>\n                            \n                <li class=\"needs-cards__item anim anim-fade-up\">\n                    <a class=\"need-card\" href=\"https:\/\/www.laturquoise.ca\/en\/business\/\"\n                            >\n                                                    <div class=\"need-card__icon\" aria-hidden=\"true\">\n                                <img decoding=\"async\" src=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/05\/needs-cards-icon-4.svg\" class=\"attachment-full size-full\" alt=\"needs-cards-icon-4\" \/>                            <\/div>\n                        \n                        <h3 class=\"need-card__title title-m\">\n                            Business                        <\/h3>\n                    <\/a>\n                <\/li>\n                            \n                <li class=\"needs-cards__item anim anim-fade-up\">\n                    <a class=\"need-card\" href=\"https:\/\/www.laturquoise.ca\/en\/personal\/automobile\/\"\n                            >\n                                                    <div class=\"need-card__icon\" aria-hidden=\"true\">\n                                <img decoding=\"async\" src=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/07\/icone_recadree.svg\" class=\"attachment-full size-full\" alt=\"Auto\" \/>                            <\/div>\n                        \n                        <h3 class=\"need-card__title title-m\">\n                            Automobile                        <\/h3>\n                    <\/a>\n                <\/li>\n                            \n                <li class=\"needs-cards__item anim anim-fade-up\">\n                    <a class=\"need-card\" href=\"https:\/\/www.laturquoise.ca\/en\/personal\/recreational-vehicle\/\"\n                            >\n                                                    <div class=\"need-card__icon\" aria-hidden=\"true\">\n                                <img decoding=\"async\" src=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/07\/icone8_recadree.svg\" class=\"attachment-full size-full\" alt=\"V\u00e9hicules r\u00e9cr\u00e9atifs et de loisirs\" \/>                            <\/div>\n                        \n                        <h3 class=\"need-card__title title-m\">\n                            Recreational and leisure vehicles                        <\/h3>\n                    <\/a>\n                <\/li>\n                    <\/ul>\n    <\/section>","protected":false},"excerpt":{"rendered":"<p>Replacement insurance can help reduce the impact of vehicle depreciation in the event of a total loss or theft. Learn how it works, which vehicles may be eligible, and how it differs from replacement cost endorsement coverage.<\/p>\n","protected":false},"author":4,"featured_media":6791,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[41,53,52,74,44,51,49],"tags":[],"class_list":["post-6780","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-automotive","category-coverage-explained","category-general-advice","category-la-turquoise","category-personal","category-practical-advice","category-recreational-vehicles"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Replacement insurance in Quebec&#8211; La Turquoise<\/title>\n<meta name=\"description\" content=\"Learn how replacement insurance works in Qu\u00e9bec, available compensation, and how it differs from replacement cost coverage.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.laturquoise.ca\/en\/replacement-insurance-cime\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Replacement insurance in Quebec&#8211; La Turquoise\" \/>\n<meta property=\"og:description\" content=\"Learn how replacement insurance works in Qu\u00e9bec, available compensation, and how it differs from replacement cost coverage.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.laturquoise.ca\/en\/replacement-insurance-cime\/\" \/>\n<meta property=\"og:site_name\" content=\"La Turquoise\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/CabinetLaTurquoise\" \/>\n<meta property=\"article:published_time\" content=\"2026-09-08T16:23:32+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-09-08T16:25:16+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.laturquoise.ca\/wp-content\/uploads\/2026\/09\/iStock-2205852009.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1183\" \/>\n\t<meta property=\"og:image:height\" content=\"887\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"R\u00e9becca Rousseau\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"R\u00e9becca Rousseau\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.laturquoise.ca\\\/en\\\/replacement-insurance-cime\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.laturquoise.ca\\\/en\\\/replacement-insurance-cime\\\/\"},\"author\":{\"name\":\"R\u00e9becca Rousseau\",\"@id\":\"https:\\\/\\\/www.laturquoise.ca\\\/en\\\/#\\\/schema\\\/person\\\/66f777fdff869014c7e0c4e1bbdc2a25\"},\"headline\":\"Replacement insurance (CIME)\",\"datePublished\":\"2026-09-08T16:23:32+00:00\",\"dateModified\":\"2026-09-08T16:25:16+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.laturquoise.ca\\\/en\\\/replacement-insurance-cime\\\/\"},\"wordCount\":642,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/www.laturquoise.ca\\\/en\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.laturquoise.ca\\\/en\\\/replacement-insurance-cime\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.laturquoise.ca\\\/wp-content\\\/uploads\\\/2026\\\/09\\\/iStock-2205852009.jpg\",\"articleSection\":[\"Automotive\",\"Coverage Explained\",\"General Advice\",\"La Turquoise\",\"Personal\",\"Practical Advice\",\"Recreational Vehicles\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/www.laturquoise.ca\\\/en\\\/replacement-insurance-cime\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.laturquoise.ca\\\/en\\\/replacement-insurance-cime\\\/\",\"url\":\"https:\\\/\\\/www.laturquoise.ca\\\/en\\\/replacement-insurance-cime\\\/\",\"name\":\"Replacement insurance in Quebec&#8211; 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