Bad luck, health problems, financial difficulties, professional worries, family issues, heavy burdens from past mistakes: we all have to overcome challenges at some point. They can haunt us, keep us awake at night, and—even if we sometimes tend to overlook it—cause us insurance problems. At Assurances Multi-Risques, we receive calls every day from people experiencing various problems with their insurer due to a refusal or misunderstanding on the part of the latter. In this article, our goal is to share some tips on how to get insurance easily despite your unfortunate situation.

What is an insurance issue?

Various situations can cause headaches when it comes to your insurance policies. Here are a few examples:

No return call from your insurance agent or broker;
Problem in case of complaint and dissatisfaction with your claim settlement;
Refus d’assurance de votre assureur après la découverte d’un dossier criminel ;
Annulation de votre assurance pour non-paiement ;
Annulation de votre assurance pour suspension de permis ;
Annulation de votre assurance pour ne pas avoir effectué les recommandations de l’assureur ;
Annulation en raison d’une fréquence de réclamation trop élevée ;
Incapacité de vous assurer après une faillite ;
Annulation de votre assurance ou indemnisation refusée pour cause de maison vacante ;
Misunderstanding of your situation by your insurer;
Prime d’assurance trop élevée ;
Refusal to insure you for various other reasons;
etc.

It would be difficult to list all the problematic situations we have to deal with on a daily basis. However, as brokers specializing in complex cases, our experts have developed skills that enable them to fully understand the reality of people facing insurance issues, but also to represent them adequately with insurers.

Getting insured despite an insurance problem

Now that you know what an insurance problem can consist of, here are a few tips to help you find an insurer despite the difficulties you face:

Contact an independent insurance broker who represents several insurers specializing in cases involving people who have difficulty obtaining insurance.
Tell your new insurer and broker the whole truth. Trust us, it will save you a lot of trouble in the future, because remember: everything comes out in the end…
Don’t panic and don’t wait until the last minute to start the search process.
Be prepared and focused when purchasing your insurance;
Évitez toute interruption d’assurance puisque cela vous causera encore plus de soucis ;
Even if your insurance premium will be higher, avoid reducing your coverage when possible.
Choose a broker you feel truly comfortable with.

In conclusion, regardless of the reason, dealing with an insurance issue can cause you a lot of stress. Fortunately, if you are no longer covered or compensated, an independent insurance broker can do the necessary research for you to find a new insurer that suits your needs and defend you with your insurer if necessary. This way, you will no longer be alone in facing your difficulties, and someone will be there to understand the obstacles you encounter.