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Learn more about La Capitale.

La Capitale began as a mutual fund company in 1940, established by civil servants working on Parliament Hill in Quebec City. Now, more than 75 years later, La Capitale is one of the largest insurance companies in Quebec, offering savings and retirement plans, mortgage financing and auto insurance.

La Capitale has kept its headquarters in historic Quebec City, but has expanded its insurance and financial services to neighbouring provinces by acquiring regional insurance companies like York Fire & Casualty Insurance Co., an Ontario and Alberta-facing auto and property insurer.

La Capitale has won a number of business awards, including Aon’s Best Employers for 2018 (for the third time in six years), BOMA’s Building of the Year 2017, and Visionary Company of the Year 2013. La Capitale also has a hand in social initiatives that safeguard local communities and drive environmental goals, which contributes to its reputation as one of Quebec’s most trusted insurance brands.

Consumer reviews for La Capitale.

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The La Capitale advantage.


La Capitale has discounts for a diverse range of customers and professionals. As a leader in sustainable development, La Capitale offers discounts for drivers of hybrid or electric vehicles. There are also additional savings available to families, young drivers and public service workers. La Capitale’s claims forgiveness coverage helps drivers avoid premium increases from the first or second auto claims on their record.

  • Save up to $400 on a new two-year auto insurance policy when you bundle with other policies.
  • Save up to $100 on your new auto insurance with the young adult promotion.
  • Save $100 on new auto insurance with the family promotional offer.
  • Save up to $450 by bundling your insurance as a public service employee or retiree.
  • Get up to 20% off if you’re a new client with no prior claims.
  • Save 15% on your electric or hybrid auto insurance.

Special programs

The THANKS Loyalty Program offers discounts to clients that add up over the years.

At loyalty milestones of three, five, 10, 15, 20 and 25 years of La Capitale coverage, you’ll receive deductions on home and auto insurance, free additional insurance coverages, and entries into La Capitale’s THANKS contests, which place thousands of dollars of travel vouchers and gas cards up for grabs.

Is there an app?

Yes. You can use the La Capitale mobile app on Android or iOS devices to file claims and provide additional proof of expenses.

How to submit a claim with La Capitale

Submitting a claim is as simple as calling La Capitale’s claim centre and following their directions. La Capitale agents want to help you settle your claim as soon as possible. Their staff are available around the clock, so any problem you encounter can be handled by customer care. Once your file is open you can use the La Capitale mobile app to continue and finalize your claim.

Hours of availability:
24-hours a day, 7 days per week.

What else does La Capitale do?

La Capitale’s services don’t stop at auto insurance. They offer a bevy of bundling options including home insurance, recreational/leisure vehicle insurance, travel insurance, group insurance, life insurance, health and disability insurance and credit loan insurance.

Additionally, La Capitale provides financial services in high-interest savings accounts, RRSPs, GICs, RESPs, investment accounts and funds, plus tax-free savings accounts (TFSAs).

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