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Car, home or business insurance solutions
We study your case to understand your needs and difficulties, so that we can offer you well-thought-out proposals that are best suited to your situation. With the maximum amount of information at our disposal, we can better defend your interests with insurers and negotiate the best cover and reimbursement conditions for you in the event of a claim, as quickly as possible.
It is very important that you provide a copy of your criminal record or docket, which can be obtained free of charge from any courthouse in the province of Quebec. You can also request your driving record from the SAAQ office or website, which will give you an idea of the number of offences committed, with the exact dates.
Cancellation of insurance for non-payment
It is very common for insurers to terminate a policy. a car insurance contractThis is particularly important in cases of non-payment. If the cancellation is not yet effective, but you have received notice, it is possible to enter into negotiations with your current insurer to find an amicable arrangement that satisfies both parties. Generally speaking, the situation is resolved as soon as the premiums due for the remainder of the current year have been paid. This is the wisest and most effective solution.
Otherwise, we'll suggest other palliative solutions depending on your insurance policy. If it's a car insurance You'll need the driving record provided by the SAAQ, which will give you an idea of your driving history. Your vehicle registration number and personal details are also very useful. As for home or business insurance, simply answer the usual questions asked when taking out an insurance policy.
Cancelled insurance
We are committed to helping you achieve car insuranceIf your policy has been terminated for non-payment, we will refer your case to our insurance agency. Your file will be referred to our insurance firm after one to three years, so that you can benefit from a second policy. chance insurance. This means you can always benefit from adequate cover even after a non-payment incident, by relying on reliable partners in all circumstances.
Financial impact of impaired driving
Getting behind the wheel while impaired represents a danger not only to the driver, but also to passengers, other motorists and passers-by using the road. Driving while intoxicated, or after taking medication containing a sleeping pill or any other substance likely to impair a driver's faculties, is prohibited, but more than that, it also has a financial impact when the motorist is caught. The fine can easily run into thousands of dollars.
In fact, once a driver is convicted, an infraction is recorded on his or her driving record, affecting his or her driving record for several years, approximately six years. car insurance premium. It's even possible that such an incident could have other repercussions, such as suspension of the driver's license and the building of a criminal record. Vigilance and respect for the rules of the road and the personal safety of the motorist and other road users can prevent such inconveniences. If necessary, you can always call on the services of an escort service.
Driving license suspensions and the difficulty of insuring your vehicle
In the case of a suspended driver's license due to excess points for speeding, unpaid tickets, dangerous driving on the public highway, hit-and-run registration, or other. It's very difficult to take out a insurance to cover losses to which a vehicle.
In order to be able to assist you, you must first have the driving record of the SAAQ to be aware of the types of offences recorded and their exact dates. The file is completed with information about the car and its intended use. A well-studied file will enable you to benefit from a customized insurance for your vehicle.
Contact one of our partner brokers for car, home or business insurance solutions.
