Cardaps is a free Canadian vehicle intelligence platform. We aggregate data from Transport Canada, NRCan, NHTSA, SAAQ, and real dealer listings to provide safety recall checks, VIN decoding, fuel economy ratings, price estimations, and vehicle history reports - all in one place.

How do I check if my car has a recall in Canada?

Use our free Recall Check tool. Enter your VIN or select your make, model, and year. Cardaps searches both Transport Canada and NHTSA databases and shows all open recalls with severity ratings, affected components, and dealer repair instructions.

Is Cardaps free to use?

Yes - all core tools are 100% free: recall checks, VIN decoding, fuel economy ratings, price estimates, EV charging maps, and car loan calculators. Vehicle history reports require credits, available as single purchases or through dealer subscriptions.

How accurate are Cardaps car valuations?

Our AI scoring engine analyzes real Canadian dealer listings daily using 50+ data points including make, model, year, mileage, province, trim, condition, and current market demand. Valuations reflect actual Canadian asking prices, not US or wholesale book values.

Does Cardaps work for Quebec vehicles?

Absolutely. Cardaps integrates SAAQ data for Quebec, including inspection requirements, winter tire regulations, and provincial incentives. The entire platform is bilingual (English and French) and compliant with Bill 96.

How is Cardaps different from CARFAX or AutoTrader?

Cardaps combines free tools that competitors charge for: recall checks, VIN decoding, and fuel economy data from official Canadian government sources (NRCan, Transport Canada). We also provide AI-powered valuations, EV incentive calculators, and dealer profitability intelligence - features no single competitor offers together.

Does Cardaps share or sell my personal data?

No. Cardaps does not sell your personal data to advertisers, brokers, or third parties. We collect only what is needed to provide our free tools: VINs you decode, recall searches, and price estimates. Vehicle history reports involve sharing the VIN with our data providers (CARFAX, AutoCheck) for that specific lookup, but no personal information is sent. We are transparent about data sources and do not maintain hidden user profiles.

Can I use Cardaps as a dealer?

Yes. Cardaps offers a dedicated dealer platform with vehicle scoring, profit calculators, market intelligence, and inventory acquisition tools. Plans range from FREE (25 lookups/month, 0 credits) to ENTERPRISE ($999/mo with 30 credits, API access, and 5 user seats). Dealers can sign up at cardaps.ca/register?dealer=true. The first 25 vehicle lookups are free with no credit card required.

Is Cardaps available outside Canada?

Cardaps is built specifically for the Canadian market. Vehicle valuations use Canadian dealer listings (not US data), pricing is in CAD, fuel economy uses Canadian L/100km ratings (not US MPG), and recalls integrate Transport Canada plus NHTSA. International users can decode VINs and check NHTSA recalls, but valuations, fuel ratings, and dealer directory features are Canada-only. We currently cover all 13 provinces and territories.

What languages does Cardaps support?

Cardaps is fully bilingual: English and French. All tools, FAQ answers, vehicle data, and customer support are available in both languages. The French version is fully compliant with Quebec Bill 96 requirements and uses Canadian French (not European French). Language can be switched anywhere on the platform with the EN/FR toggle.

How accurate is Cardaps vehicle data?

Cardaps aggregates data from authoritative Canadian sources updated continuously. VIN decoding uses NHTSA vPIC data (98%+ accuracy on year/make/model/trim). Recalls come directly from Transport Canada and NHTSA databases. Fuel economy uses NRCan official ratings. Vehicle valuations have an average error rate of $1,900 across 200 benchmark tests, calibrated against real Canadian dealer asking prices (not wholesale or US book values).

How often is Cardaps data updated?

Different data types refresh at different cadences: Vehicle listings update daily (50,000+ active Canadian listings refreshed each night). Safety recalls sync every 24 hours from Transport Canada and NHTSA. Fuel economy ratings refresh from NRCan when new model years are released. Vehicle history reports are pulled in real-time when requested. Dealer information from Google Maps refreshes monthly. All data carries source attribution and last-updated timestamps.

Insurance & LegalMarch 28, 202610 min read

Best Car Insurance Quebec 2026 — Complete Comparison Guide

Cardaps Research Team

Best car insurance Quebec 2026 — comparing private insurers for Chapter B coverage under SAAQ system — Quebec SAAQ system means lower base premiums — choosing the right private insurer still matters

Quick Answer

Quebec has a unique dual car insurance system: the SAAQ covers all bodily injury through a public no-fault program (funded by registration fees), while private insurers cover vehicle damage, liability for property damage, and theft. This means Quebec drivers only need "Chapter B" coverage — making base premiums lower ($700–$900/year) than Ontario ($1,500–$2,000/year).

Part of our complete guide:

Car Insurance Canada — Complete Guide →

How Quebec's Dual Insurance System Works

Quebec is the only Canadian province with a public no-fault bodily injury insurance system. The SAAQ covers ALL bodily injuries from car accidents — drivers, passengers, pedestrians, cyclists — regardless of fault. This is automatic and funded through registration and license fees. Because SAAQ handles bodily injury, Quebec drivers only purchase "Chapter B" from private insurers, covering: vehicle damage (collision, comprehensive), property liability, and uninsured motorist property damage. This split means Quebec base premiums are significantly lower. An Ontario driver pays one insurer $1,500–$2,000/year for everything; a Quebec driver pays $700–$900/year for vehicle and property only. The SAAQ portion is already in your registration fees.

Quebec dual insurance system — SAAQ covers bodily injury, private insurers cover vehicle damage and property liability — How Quebec dual insurance works — SAAQ (public) vs private coverage

Top Quebec Auto Insurers Compared

Desjardins General Insurance: Largest in Quebec. Strong multi-product discounts (10-15% for home + auto bundle). Average Chapter B: $750–$1,000/year. belairdirect (Intact): Direct-to-consumer, no broker. Often 10–15% cheaper because no broker commission. Best for tech-comfortable drivers. La Personnelle (Beneva): Popular with union/association members. Group rates typically 15–25% below retail — check with your employer. Promutuel: Network of mutual insurers. Strong in regional markets outside Montréal. The most effective way to save: get at least 4 quotes. A 20-minute comparison can save $200–$400/year.

Try It Free:

Check Your Vehicle Safety Status — Free

7 Ways to Lower Your Quebec Auto Insurance Premium

1. Bundle home + auto (10–15% savings). 2. Increase deductible from $500 to $1,000 (15–20% savings on collision). 3. Install winter tires (2–5% discount — they're mandatory anyway). 4. Ask about group rates through employer/union (15–25% savings). 5. Maintain clean driving record (zero demerit points = lowest rate). 6. Choose vehicle wisely (Honda Civic costs 30–40% less to insure than BMW 3 Series). 7. Pay annually instead of monthly (saves 5–8% surcharge). Re-quote every 2–3 years — the cheapest option today may not be cheapest later.

Also in this series:

What to Do After a Car Accident

Frequently Asked Questions

Yes — significantly. Quebec averages $700–$900/year vs $1,500–$2,000 in Ontario because SAAQ covers bodily injury publicly.

ALL bodily injuries — medical treatment, rehabilitation, income replacement (up to 90%), and death benefits. Automatic, no-fault, funded through registration.

Get 4+ quotes. Check employer/union group rates (15–25% off). Bundle home + auto. Increase deductible. Pay annually.

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