Insurance problems
Having trouble getting insurance?
There are solutions for all complex situations! Are you having trouble finding insurance for your home or vehicle? There are a number of potential reasons for this situation.
Our team of independent brokers has in-depth knowledge of the market and tailored insurance products for more complex situations. Working with several insurance companies specializing in non-standard insurance risks means that they are equipped to find you an insurer that will agree to cover your home or vehicle.
AMR offers comprehensive, personalized support for the challenges you face, as well as tips on how to lower your insurance premium! It’s a no-brainer—with AMR, you get the best of both worlds!
The most common insurance problems
Assurances Multi-Risques is a team of brokers specialized in non-standard insurance. We are committed to defending your interests in order to give your insurance needs a second chance.
Whether you are having difficulty finding an insurer for your home or your vehicle, our team guarantees that there are solutions!
The proof? We have compiled a list of all the problems encountered that our team has… solved!
Termination for non-payment
Your insurer has sent you a letter terminating your insurance policy for non-payment of your premium. Don’t wait before finding a new insurer. Other unpleasant consequences could follow.
Bad credit (after bankruptcy)
A number of events can lead you to accumulate debt (separation, job loss, etc.). For an insurer, a poor credit history means more risk, as you may not be able to invest in proper maintenance of your vehicle or home. However, there are insurers that specialize in non-standard insurance.
Bad financial habits
Late payments, non-payment of your premium, poor credit history, etc. these are all situations that could lead insurers to see your record as an insurance risk.
Criminal record
Do you have a criminal record due to impaired driving, dangerous driving or a variety of other reasons? Getting car or home insurance becomes much more complex. However, there are tips to facilitate your search process (and contacting an independent insurance broker is one of them!).
Frequent claims
A lot of incidents have occurred in recent years: water leaks, broken windshields, fender-benders, etc. Your insurer has advised you that they are terminating your contract because you have made claims too frequently. However, there are solutions to facilitate your search for a new insurance company and, especially, we have some tips to ensure that this situation never happens again!
Increased risk
Is your house no longer occupied? Are you adding your child to your policy as an occasional driver? Do you have a partner who has a criminal record? There are many situations that can increase the risk in the eyes of your insurer. To avoid unpleasant surprises, it is important to inform your insurer of any changes!
Vacant house
A vacant house is often synonymous with increased risk for an insurer. Theft, fire, vandalism … there are many situations that lead to increased risk. A house that is vacant for more than 30 days will not be covered by your insurer in the event of an accident.
Impaired driving
Has your license been suspended due to excessive blood alcohol content? It is highly likely that your insurer will terminate your contract due to increased risk. Although it is harder to find a new insurer following the termination of a contract for impaired driving, there are solutions! Insurance companies that specialize in non-standard insurance may agree to insure you.
At-risk residence
If you live in an area deemed to be at risk (a neighbourhood that is violent or has a lot of break and enters), it could be harder for you to get insured.
Is bad luck dogging your every step? Are the incidents reported to your insurer piling up and your insurance premium constantly increasing?
Some tips for reducing your insurance premium
Avoid making false claims.
Be transparent and honest! In the event of an accident or claim, you will avoid unpleasant surprises.
Avoid insurance interruptions.
It is always preferable to have home and car insurance coverage that meets your needs at all times.
Contact our independent insurance brokers!
These insurance experts take your well-being to heart. At AMR, we find solutions for all obstacles encountered.
Answers to your questions
Tips and advices
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Car insurance and bad credit
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Insurance: there are last resort solutions!
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Having trouble with car insurance? Read this!
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It’s hard to say for sure, but why!
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Does your Credit Score Affect your Insurance Premiums?
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Home insurance and criminal record
Why choose us?
When you choose AMR Assurances Multi-Risques, you’re opting for a team of insurance experts. More than just brokers, we are advisors who have your best interests at heart.
Our primary mission is to represent you with various insurers and to offer you a product that meets your needs. And because life moves fast, we negotiate to get you the best insurance contract at the best quality-price ratio to guarantee you peace of mind.
Don’t wait any longer!
We’re passionate about insurance
We compare the best protections
We speak your language
Water, fire, smoke or vandalism damage?
don’t panic!
We’re here to help
often occur when you least expect them. AMR Assurances Multi-Risques guides you step by step to help relieve all your worries.