Substandard insurance

2nd chance auto insurance in Quebec

In some situations, it's very difficult to take out non-standard car insurance, such as if you have a criminal or criminal record. Fortunately, there are always partners who offer tailor-made solutions within the framework of sub-standard insurance.

Your sub-standard insurance needs

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.

Criminal record

It is essential 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 the following from the SAAQ office or website to receive your driving record which gives an idea of the number of offences committed, with exact dates.

Cancellation of insurance for non-payment

It is very common for insurers to proceed with the cancellation of 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 workarounds depending on your insurance policy. In the case of automobile insurance, the driving record provided by the SAAQ will give you an idea of your driving history. The 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.

Home insurance cancelled or not renewed

We are committed to helping you obtain auto, home or property insurance if yours has been cancelled due to non-payment. After one to three years, your file will be referred to our insurance firm for a second chance at insurance. This means you can still benefit from adequate cover even after an incident of non-payment, by relying on reliable partners in all circumstances.

Financial impact of impaired driving

Driving 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.

Too many infractions on your driving record?

In fact, once the driver is found guilty, an infraction is recorded on his or her driving record, and this affects his or her car insurance premium for several years, around six. It's even possible that such an incident may be accompanied by other repercussions, such as the driver's license suspension and the creation of a criminal file. Vigilance and respect for the highway code 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.

Driver's license suspensions and the difficulty of insuring your vehicle

In the case of a suspended driving 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 insurance to cover the losses to which a vehicle is exposed.

Driving record for 2nd chance auto insurance

To be able to assist you with substandard insurance, you first need the driving record of the SAAQ to be aware of the types of offences recorded and their exact dates. The file will be completed with information about the car and its intended use. A well-thought-out file will enable you to benefit from the right insurance for your vehicle.