Frequently Asked Questions
FAQ
Car insurance
Every vehicle owner is required to have at least $50,000 in liability insurance, but people generally choose $2,000,000. This is called “one-way insurance.” However, you can add coverage for damage to your vehicle caused by a collision or rollover, theft, fire, vandalism, wind, or hail, to name but a few. This is called “two-way insurance.”
Learn more here: Car Accidents: At Fault or Not?
Your car insurance generally covers damage caused by a natural disaster.
Here are some examples of natural disasters we cover:
- Rising water levels
- Flooding
- Lightning
- Windstorms
- Hail
- Earthquakes
However, these events are covered provided you have “Comprehensive,” “Specific perils,” or “All perils other than collision or upset” insurance.
Read our article to protect yourself properly:
Does your car insurance cover it if something hits your car?
Your car insurance covers damage to your vehicle, within the limits of your policy. In the case of physical damage or bodily injury to others, the third-party liability of your car insurance policy comes into play. If you’re a Québec resident, the Société de l’assurance automobile du Québec (SAAQ) covers you for injuries sustained in a road accident, even if the accident occurs in the United States.
View our article to travel with peace of mind:
Every vehicle owner is required to have at least $50,000 in liability insurance, but people generally choose $2,000,000. This is called “one-way insurance.” However, you can add coverage for damage to your vehicle caused by a collision or rollover, theft, fire, vandalism, wind, or hail, to name but a few. This is called “two-way insurance.”
Learn more here: Car Accidents: At Fault or Not?
Your car insurance generally covers damage caused by a natural disaster.
Here are some examples of natural disasters we cover:
- Rising water levels
- Flooding
- Lightning
- Windstorms
- Hail
- Earthquakes
However, these events are covered provided you have “Comprehensive,” “Specific perils,” or “All perils other than collision or upset” insurance.
Read our article to protect yourself properly:
Does your car insurance cover it if something hits your car?
Your car insurance covers damage to your vehicle, within the limits of your policy. In the case of physical damage or bodily injury to others, the third-party liability of your car insurance policy comes into play. If you’re a Québec resident, the Société de l’assurance automobile du Québec (SAAQ) covers you for injuries sustained in a road accident, even if the accident occurs in the United States.
View our article to travel with peace of mind:
Home insurance
Tenant home insurance is separate from the landlord’s home insurance. These insurance policies are designed to meet different needs. Tenant insurance covers your property, but especially your third-party liability in the event of damage caused to others.
Your landlord’s insurance covers building components, such as floors, walls, and so on. It may also cover property provided on site, such as appliances and furnishings. You can check with your landlord for details of their coverage.
For more information, contact your damage insurance representative.
Learn more here: Why and how should you insure your apartment?
The best way to determine the true value of your personal property is to make an inventory.
On your list, consider including your:
- Clothes
- Furniture
- Household appliances
- Electronic equipment
- Outdoor equipment
- Collections
- Jewellery
- Tools
- Children’s toys
Figure out how much it would cost to replace everything as of today, including taxes. Once you’ve done that, put the inventory in a safe place, such as a safe, and check that the amount of insurance on your policy is sufficient to cover all your possessions.
Find more tips here: Make your property inventory
A home insurance policy has limitations and exclusions for certain types of property, including:
- Pools and spas
- Bicycles
- Garden tractors
- Jewellery and watches
- Collections of objects
- Works of arts
- Computer software, etc.
If limitations apply and you feel that the amount of compensation provided for in your policy is too low or you wish to increase it, talk to your damage insurance representative.
Find answers to your home insurance questions: 10 home insurance questions you’ve always wanted to ask
Tenant home insurance is separate from the landlord’s home insurance. These insurance policies are designed to meet different needs. Tenant insurance covers your property, but especially your third-party liability in the event of damage caused to others.
Your landlord’s insurance covers building components, such as floors, walls, and so on. It may also cover property provided on site, such as appliances and furnishings. You can check with your landlord for details of their coverage.
For more information, contact your damage insurance representative.
Learn more here: Why and how should you insure your apartment?
The best way to determine the true value of your personal property is to make an inventory.
On your list, consider including your:
- Clothes
- Furniture
- Household appliances
- Electronic equipment
- Outdoor equipment
- Collections
- Jewellery
- Tools
- Children’s toys
Figure out how much it would cost to replace everything as of today, including taxes. Once you’ve done that, put the inventory in a safe place, such as a safe, and check that the amount of insurance on your policy is sufficient to cover all your possessions.
Find more tips here: Make your property inventory
A home insurance policy has limitations and exclusions for certain types of property, including:
- Pools and spas
- Bicycles
- Garden tractors
- Jewellery and watches
- Collections of objects
- Works of arts
- Computer software, etc.
If limitations apply and you feel that the amount of compensation provided for in your policy is too low or you wish to increase it, talk to your damage insurance representative.
Find answers to your home insurance questions: 10 home insurance questions you’ve always wanted to ask
Business insurance
A condo association’s insurance generally covers:
- The entire building
- Condo units, with certain exceptions
- Common areas and the furniture in them
- Third-party liability
- The liability of the association’s directors and managers
Note that each condo owner must take out a home insurance policy to cover improvements to their unit, their personal property and their third-party liability.
Learn more about what’s covered with your condo insurance: Condo insurance: 4 min. quote
Business insurance is key to protecting your business assets. Depending on the coverage you choose, damage to business assets and operating losses will be covered following certain types of loss, such as fire, theft, and certain types of water damage. Business liability, i.e., for property damage or bodily injury caused to others on the premises or in the course of the company’s activities, is also covered.
Find more information about the required coverage here: Why (and how) to choose the right business insurance
Business insurance policies are tailored to your industry. Coverage varies and covers:
- Third-party liability
- Buildings
- Equipment
- Equipment breakdown
- Operating losses
- Crime and embezzlement
- Transportation of goods
- Company vehicles
- Cyber risks
Learn more about Business insurance here: Starting a business: When to buy business insurance
A condo association’s insurance generally covers:
- The entire building
- Condo units, with certain exceptions
- Common areas and the furniture in them
- Third-party liability
- The liability of the association’s directors and managers
Note that each condo owner must take out a home insurance policy to cover improvements to their unit, their personal property and their third-party liability.
Learn more about what’s covered with your condo insurance: Condo insurance: 4 min. quote
Business insurance is key to protecting your business assets. Depending on the coverage you choose, damage to business assets and operating losses will be covered following certain types of loss, such as fire, theft, and certain types of water damage. Business liability, i.e., for property damage or bodily injury caused to others on the premises or in the course of the company’s activities, is also covered.
Find more information about the required coverage here: Why (and how) to choose the right business insurance
Business insurance policies are tailored to your industry. Coverage varies and covers:
- Third-party liability
- Buildings
- Equipment
- Equipment breakdown
- Operating losses
- Crime and embezzlement
- Transportation of goods
- Company vehicles
- Cyber risks
Learn more about Business insurance here: Starting a business: When to buy business insurance
Claim
The deductible, indicated in your policy, is the amount you agree to pay in the event of damage to your vehicle or property. Your claim may be subject to a waiver of the deductible, depending on the extent of your loss and the terms of your policy.
Find more details here:
As soon as you notice a loss in your home, here’s what you should do:
- Limit the damage
- Notify your insurer or brokerage representative of the circumstances
- Name the people involved
- List all damaged or destroyed property
A claims adjuster will then contact you to assess your case and process your claim.
View our tips here: What you need to know about home insurance claims
If a loss occurs and causes damage to your car or home while our offices are closed, you can call us any time at 1-888-590-2433. Otherwise, depending on the nature of the loss, you can file a claim in your Client Space.
Learn how to file an online claim here: Fast and easy home and car insurance claims
The deductible, indicated in your policy, is the amount you agree to pay in the event of damage to your vehicle or property. Your claim may be subject to a waiver of the deductible, depending on the extent of your loss and the terms of your policy.
Find more details here:
As soon as you notice a loss in your home, here’s what you should do:
- Limit the damage
- Notify your insurer or brokerage representative of the circumstances
- Name the people involved
- List all damaged or destroyed property
A claims adjuster will then contact you to assess your case and process your claim.
View our tips here: What you need to know about home insurance claims
If a loss occurs and causes damage to your car or home while our offices are closed, you can call us any time at 1-888-590-2433. Otherwise, depending on the nature of the loss, you can file a claim in your Client Space.
Learn how to file an online claim here: Fast and easy home and car insurance claims
Client Space
If you’re unable to finalize the creation of your account in Client Space, there are two possible
explanations:
- You have provided information that doesn’t match the information of the contact registered in our
system. For example, the date of birth or the spelling of the first and last name is different. - You’re dealing with a brokerage representative, you’re not the policyholder, or you have farm or
business insurance instead.
Need help? Call us at 1-877-668-8835.
You have access to several documents in your Client Space, including:
- Your insurance policies
- Important information (policy expiry dates, balances due, etc.)
- Details of your coverage
- Your car and home insurance quote requests
- Your claim requests
- Your storage requests
- Your digital insurance certificates
If not already done, create your account to view this information.
Having your insurance file online enables you to do several things, including:
- Access your documents at any time
- Get up-to-date insurance information through your online policy and digital insurance
certificate - Share your insurance certificate with a temporary driver after downloading it to your
cellphone
Discover what Client Space offers:
If you’re unable to finalize the creation of your account in Client Space, there are two possible
explanations:
- You have provided information that doesn’t match the information of the contact registered in our
system. For example, the date of birth or the spelling of the first and last name is different. - You’re dealing with a brokerage representative, you’re not the policyholder, or you have farm or
business insurance instead.
Need help? Call us at 1-877-668-8835.
You have access to several documents in your Client Space, including:
- Your insurance policies
- Important information (policy expiry dates, balances due, etc.)
- Details of your coverage
- Your car and home insurance quote requests
- Your claim requests
- Your storage requests
- Your digital insurance certificates
If not already done, create your account to view this information.
Having your insurance file online enables you to do several things, including:
- Access your documents at any time
- Get up-to-date insurance information through your online policy and digital insurance
certificate - Share your insurance certificate with a temporary driver after downloading it to your
cellphone
Discover what Client Space offers: