Whether you’re having problems finding an insurer for your home or vehicle, our team guarantees solutions

The proof? We’ve created a list of all the insurance problems that our team has encountered … and covered!

Termination due to non-payment

Has your insurance company sent you a letter terminating your insurance policy because the premium was not paid? 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 bad credit report creates more risk because you may not be able to keep up with the maintenance of your home or vehicle. However, there are insurers who specialize in non-standard insurance.

Bad financial habits

Late payments, non-payment of your premium, bad credit report, 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

H4: Is your house now vacant? 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 licence been suspended due to a blood alcohol level that is too high? 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 you reporting incident after incident to your insurer and your insurance premiums keep going up? Don’t wait any longer. Contact our brokers!

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 every obstacle!