To cancel your car insurance contract, you can contact your AMR insurance broker, who will make the necessary arrangements with your current insurance company and, if necessary, find you a new insurer that better suits your situation or your budget.
You can read more about it in this blog post.
Although car insurance policies are typically for one year, it is usually possible to cancel your contract to change insurers at any time. However, some insurance companies will charge a cancellation fee or require a notice period.
The answer to this question depends on the reason the vehicle is not in use and the requirements of your insurance company.
If your vehicle is out of service for an extended period of time, you may want to consider insuring it against risks such as theft, fire or damage from the elements. This can be especially important if the vehicle is parked in an area where it is at risk of damage or theft, such as a low-traffic street or an unattended parking lot.
However, if your vehicle is simply parked for a short period of time, such as a repair or maintenance, your current insurance policy may already cover the above risks. It is important to check the terms and conditions of your insurance contract to see what is and is not covered.
In any case, it is always best to contact your insurance company to discuss your specific situation and ensure that you have the appropriate coverage for your vehicle not in use.
The decision to file a claim after an accident depends on several factors, such as the severity of the accident, the amount of your deductible, your insurance history and the cost of repairs. To make an informed decision, don’t hesitate to call on the expertise of your AMR insurance broker, who will be able to offer you sound advice.
In the event of a car accident, it is important to take immediate action to protect your safety and interests. Here are the steps to follow:
It is best to avoid admitting fault following the accident, as this could hurt your claim. Instead, let the insurance companies investigate and determine the cause of the accident.
According to statistics, frequent claims indicate a higher likelihood that you will make future claims and therefore represent a greater risk to insurers; this results in a higher insurance premium.
Frequent claims may also indicate that you are more likely to cause damage in the future For example, many claims for car accidents could mean that you are driving recklessly.
Insurance companies also consider the costs associated with handling claims when calculating their premiums. The more claims you have, the higher the costs, which will affect their customers’ premiums, including those who make frequent claims.
If you are a Quebec resident and own a recreational vehicle that you would like to insure outside of Quebec, first contact your AMR insurance broker to find out if your current insurer offers coverage outside of Quebec. If it does, and if the insurance meets your needs, you can apply for that coverage upon your broker’s recommendation.
If your current insurer doesn’t offer such coverage, your independent broker will research other insurance companies to find coverage that meets your needs at the best possible price.
In Quebec, recreational vehicle (RV) insurance is required by law. This means that RV owners must have liability insurance to cover damage to other people or their property while operating their recreational vehicle on public roads.
It is also recommended that you purchase collision or comprehensive insurance to cover damage to your own RV in the event of an accident, theft, fire or vandalism.
Since insurance requirements may vary depending on the type of recreational vehicle you own and its use, we recommend that you check the terms with your AMR general insurance broker.
In Quebec, the minimum age to insure a snowmobile is 16. However, drivers under the age of 18 must obtain permission from their parents or guardians before purchasing snowmobile insurance.
Drivers under 18 may also have restrictions on the horsepower or engine size of the snowmobile they can operate. Since these requirements can vary by insurer, your AMR insurance broker will make sure you meet them to ensure you are adequately covered.
To insure your snowmobile, you can contact an AMR independent insurance broker by calling 819-791-1791. The broker will evaluate your needs based on the use you plan to make of your snowmobile and will compare offers from various insurers to find the best coverage at the best price for you.
Then, of course, you will have to pay your premium (whether annually or monthly) and obtain your proof of insurance, which you will need to keep with you at all times when driving your snowmobile.
To insure your snowmobile, you can contact an AMR independent insurance broker by calling 819-791-1791. The broker will evaluate your needs based on the use you plan to make of your snowmobile and will compare offers from various insurers to find the best coverage at the best price for you. Then, of course, you will have to pay your premium (whether annually or monthly) and obtain your proof of insurance, which you will need to keep with you at all times when driving your snowmobile.
Snowmobile insurance is required in Quebec. In accordance with Quebec’s Act respecting off-highway vehicles, all snowmobile owners must have at least $500,000 in liability insurance to cover damages caused to others in the event of an accident. This insurance must be valid at all times when the snowmobile is in use.
To cancel your motorcycle insurance contract, you can contact your AMR insurance broker, who will contact your current insurance company and, if necessary, find you a new insurer that better suits your situation or budget. To suspend your motorcycle insurance for the winter, you should check with your broker to see if you can take advantage of the FAQ16 rider. Under this clause, some of the coverage related to the operation of your vehicle, such as third party liability and the collision section, will be suspended while your motorcycle is in storage. If this applies to your situation, you may receive a credit on your insurance premium.
If a person with a valid driver’s licence is driving your motorcycle with your permission and is involved in an accident, most insurance policies will cover the damage up to your insurance limits.
However, if someone is riding without your permission and gets into an accident, then your insurance coverage may be in question.
We recommend that you check with your broker to see what your coverage would be in the event of such an incident.
The documents required to insure a motorcycle may vary depending on the insurance company. However, the following is a list of the documents that are usually required:
In Quebec, you are required to have insurance for your motorcycle. In accordance with the Automobile Insurance Act, you must have at least $50,000 in liability coverage.
You should keep your car insurance documents for at least one year after your policy expires. They may be useful in the event of a dispute or litigation with your insurance company or another party involved in an accident.
Claim settlement documents should be kept for at least seven years, as some disputes can take several years to be settled.
Please note, however, that requirements may vary by jurisdiction and insurance company, so be sure to ask your broker for recommendations that apply to your unique situation.
To protect drivers financially in the event of car accidents, insurance companies assess the risks associated with each driver and their vehicle, then set rates based on those assessments.
If an accident occurs, policyholders can file a claim with their insurance company (through their broker if applicable) and receive an amount to cover—depending on the policy they have purchased—property damage and bodily injury to the other party involved in the accident in the case of liability insurance (which is mandatory) or damage to both parties in the case of comprehensive insurance (which is optional).
Car insurance protects drivers against the financial risks associated with car accidents.
In Quebec, car insurance has two components:
