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Vehicle Theft Prevention Tips
Increase to Québec Auto Insurance Premium Sales Tax
Effective January 1, 2015, the Québec government will be increasing the tax applied to all auto insurance premium payments that are made in 2015 from 5% to 9%, regardless of when the policy was purchased. New policies purchased in 2015 will have the new tax rate applied and outstanding balances on existing polices due in 2015 will be taxed at the new rate when payments are collected.
The announcement was made as part of the Québec government’s economic announcements in November 2014. On average, this additional 4% tax on premiums will increase the tax payment for passenger vehicles by $2 to $4 per month.
This change applies to all automobile and recreational vehicles insured in the province. Changes will be reflected on the first payment customers make in 2015, regardless of their billing plan. Customers will be taxed on amounts due in 2015, but not on amounts already paid in 2014.
For customers who have paid in full in 2014 and make no changes to their policy until renewal, the new tax will be applied at renewal. For customers who have tax-exempt status, we will be required to collect the tax and then remit it back, consistent with the current process.
Rest assured, the quality coverage Pafco customers currently enjoy will remain the same. This is our commitment to provide the best protection for you and your family.
If you still have questions regarding your premium, please do not hesitate to contact your broker. If you have any specific questions regarding this recent tax increase, we encourage you to visit the Québec government website or contact your local government representative for more information.
Holiday Forecast: Wet, Windy and Messy
Environment Canada is predicting rising temperatures, heavy rain (with intermittent ice rain) and heavy winds for Eastern Canada over the next couple days. These conditions could cause rapid snow melt, leading to moisture intrusion, water damage and even localized flooding. Here are a few tips to help protect you and your family:
If flooding occurs:
After the storm:
Tips to Prepare for High Winds, Heavy Rains and Floods
Autumn Home Checklist
Tips to Protect Your Home in the Cold Weather
The following tips will help you protect your home and property during cold weather:
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