This month's advice
Moving soon? What better time to take a home inventory! This useful record will come in very handy for establishing or reviewing the insurance coverage you need to insure all your belongings. And what's more, in the case of a fire or theft, it could also be very helpful in showing what you owned and speeding up payment of your claim.
Download a copy of the Property Inventory now by clicking here. We advise you to keep your inventory, bills and photos in a safe place outside your home.
Have you decided to install a swimming pool or spa? Be aware that swimming pools and spas are not automatically part of your ensured goods. They must be protected by a rider (additional coverage added to your insurance policy).
Don't forget to speak with your insurance company or broker to make sure you have appropriate coverage in the event of a claim!
Spring is just around the corner! The mild weather-a welcome change from the harsh winter-can cause water damage in some regions. You should know that damage caused by water infiltration and sewer overflow or back-up are covered in some home insurance contracts through additional coverage commonly called "Home Insurance Rider-supplementary water damage insurance."
Contact your insurer or broker to find out if your home insurance policy includes such coverage.
Are you starting to feel that winter has been dragging on just a little too long? Are you considering a week down south to recharge your batteries? Before you leave, give your home that lived-in look during your absence.
Install a timer for your lights and ask a neighbour to pick up your mail and newspapers, as well as shovel your front walk and driveway. You'll then be able to take off and enjoy a carefree holiday!
In Quebec, a car is stolen every 14 minutes. Is your car among those most often targeted by thieves? To find out, consult the Top 10 most stolen cars in Canada.
If your car is on the list, equip it with an approved electronic ignition interlock system.
Are you aware that there may be a cap on the coverage for your computer software, computer games, CDs and DVDs? To make sure your prize possessions and collections are properly protected, be sure to talk to your insurer or broker.
Click here for details on special coverage for special property.
Winter is already on our doorstep, bringing with it several adjustments to our daily routines-including how we approach winter driving conditions. In view of the climate changes we have experienced over the last few years, the use of winter tires has become absolutely essential. These tires provide us with better traction on Québec's snow-covered roads. To find out more about winter tires and their use, click here.
This winter driving season, be sure to do something about your personal safety: install winter tires on your car.
Is your auto or home insurance policy about to come up for renewal? Remember: it's important to let your insurer or broker know about any changes that could affect your policy so you can make sure you are adequately covered.
Click here for a quick questionnaire that will help you determine what kind of information needs to be shared with your insurer or broker.
It's back-to-school time and your teenager is moving to another city and into their own apartment. Are they still covered under your insurance or do they have to get a separate policy to protect their belongings against fire and theft? You will be relieved to know that your home insurance still covers your child's property and civil liability, even if they live elsewhere temporarily, such as during the school year. It is important to note, however, that coverage is limited to 10% of the value of the policy.
Feel free to contact your insurer or broker for more information.
You've finally decided to install a swimming pool or a spa. But have you checked with your insurer or broker to find out whether your home insurance policy covers them? Indeed, since a swimming pool is not a standard property item, it requires special coverage.
For further information, click here. And please don't forget to discuss this with your insurer or broker.
You've just moved. Now is a good time to make a list of your belongings. This list will be of great use to you in the event of a theft or disaster. In addition to accelerating the handling of your file in the event of an unfortunate incident, this inventory will play a key role in helping determine the amount of insurance coverage you need.
So, don't wait any longer! Go to the Documentation section and download your inventory now. We also advise you to keep your inventory, invoices and photos outside your home.
NEW! Confused about your home and automobile insurance?
Don't know what is covered-and what is not? Not sure what to do if an accident strikes?
Wondering what different kinds of coverage are out there? For answers to your questions,
along with some handy tips on accident prevention, have a look at our brand-new guide,
All About Automobile Insurance - All About Home Insurance. It's an invaluable tool for anyone who needs more
information on home and auto insurance.
Click here to access the electronic version of the guide or order your free copy by visiting the "Documents" section of our site.
You are the victim of a collision in which no one is hurt. What do you do? Should you call the police? In Quebec, the procedure for settling an automobile accident is fairly simple. In the case of a collision in which no one is hurt, fill out the Joint Report and notify your insurer. A damage estimate will then be done and compensation should follow shortly. The sooner you declare an accident to your insurer, the sooner it will be settled.
Consult our Documents section to order your Joint Report today and ensure quick settlement of a collision in which no one is hurt.
Are you starting to feel that winter has been dragging on just a little too long? Are you considering a week down south to recharge your batteries? Before you leave home, ask someone whom you can rely on to check each day that your heating system is working properly. If you don't, you may not be compensated for any damage caused by a burst pipe.
In addition, give your home that lived-in look during your absence. Install a timer for your lights, and ask a neighbour to pick up your mail and newspapers, as well as shovel your front walk and driveway. You'll then be able to take off and enjoy a carefree holiday!
Wintertime can rekindle our romantic inclinations, especially if we heat our home with wood. If you are thinking about installing a wood heating system or if you already have one, we would advise you to consult A Guide to Residential Wood Heating. The guide will help you make a wise choice among the many heating appliances on the market!
Talk to your insurer before installing your new wood heating system and avoid any unpleasant surprises.
Winter is already on our doorstep, bringing with it several adjustments to our daily routines-including how we approach winter driving conditions. In view of the climate changes we have experienced over the last few years, the use of winter tires has become absolutely essential. These tires provide us with better traction on Québec's snow-covered roads. To find out more about winter tires and their use, click here.
This winter driving season, be sure to do something about your personal safety: install winter tires on your car.
It's back-to-school time and your teenager is moving to another city and into their own apartment. Are they still covered under your insurance or do they have to get a separate policy to protect their belongings against fire and theft? You will be relieved to know that your home insurance still covers your child's property and civil liability, even if they live elsewhere temporarily, such as during the school year. It is important to note, however, that coverage is limited to 10% of the value of the policy.
Feel free to contact your insurer or broker for more information.
You're planning to buy a new car but not sure whether you should select a SUV or a sedan. After consulting a number of insurers, you realize that, even if the two vehicles are offered at the same price, the insurance premium for the sedan is the lowest of the two. Why? Because AWD Sports Utility Vehicles are targeted by thieves and therefore costlier to insure.
To find out which factors influence the level of your insurance premium, consult the Automobile section under the heading "Tips" before you buy. Drive safely!
You've just moved. Now is a good time to make a list of your belongings. This list will be of great use to you in the event of a theft or disaster. In addition to accelerating the handling of your file in the event of an unfortunate incident, this inventory will play a key role in helping determine the amount of insurance coverage you need.
So, don't wait any longer! Go to the Documentation section and download your inventory now. We also advise you to keep your inventory, invoices and photos outside your home.
Summer has arrived and the sunny streets are stirring you to modify your car. You're thinking about replacing the muffler and the safety belts, tinting your side windows, increasing the power of your engine or installing a spoiler. Before you start your project, contact your insurer or insurance broker in order to make sure the work you want to do is both permitted and covered. You might be surprised to find out that by not declaring modifications to your vehicle, you could compromise the benefits to be paid in the event of a claim.
It's better to consult your insurer before rather than after starting work.
Finally, the spring/summer season is just around the corner! Since January, you've been thinking of the sun and dreaming about installing the pool of your dreams, redoing the roof on your home, extending your kitchen or adding a solarium to your living room. Before you start any work, we suggest that you contact your insurer or broker to determine the scope of your coverage. You may be surprised to find out that improvements such as modernizing the plumbing or upgrading your roof could reduce your premiums!
It's a good idea to contact your insurer or broker before rather than after you start any work.