FADOQ is an organization that brings together and represents people aged 50 and over across Canada. With more than 535,000 members, membership in this group offers many benefits, such as discounts and privileges, including insurance.

In this article, discover all the benefits associated with Intact Insurance’s LibrEspace FADOQ program!

The benefits of the FADOQ LibrEspace program for your auto insurance:

5% discount on insurance premiums; *Some insurers offer an age discount in return.
No deductible in the event of a hit-and-run or total loss; *Several insurance companies offer this type of coverage.
Up to $300 reduction on your deductible in the event of a collision or rollover for your first claim in three years; *Of course, you must not have had any claims on your record in the last three years.
$50,000 coverage for the client and their spouse in the event of death or dismemberment as a result of an accident, with the purchase of $10,000 coverage; *This coverage is available from most insurers and can be adjusted to suit your needs.
Up to $100 off your deductible for claims such as broken glass, fire, theft, and vandalism for your first claim in three years. *Of course, you must not have had any claims on your record in the last three years.

For your home insurance:

5% discount on your insurance premium; *Some insurers offer an age discount in return.
Up to $300 discount on your deductible for your first claim in three years; *Of course, you must not have had any claims on your record in the last three years.
Replacement value without obligation to rebuild; *Several insurance companies offer this coverage free of charge when auto and home insurance are combined.
Free home assistance service after hospitalization for more than two consecutive days (home help, nursing care); *Once again, several insurers offer this service.

For combined auto and home insurance:

Only one deductible to pay when a claim affects both your auto and home; *Several insurers offer this benefit.
Up to $60,000 for damage to a borrowed or rented vehicle in Canada and the United States; *Some insurers offer greater coverage, so be sure to ask!
Up to $75 per day (for a maximum of $2,250) when renting a vehicle and up to $1,125 for additional expenses following an accident rendering the vehicle unusable;
Replacement value coverage on furniture with no obligation to replace it; *This coverage is truly advantageous! But check with your insurer, because once again, some insurers offer this protection.
Identity theft protection. *Other insurers also offer this protection.

Is Intact Insurance’s LibrEspace FADOQ program suitable for everyone?

The benefits offered by Intact Insurance are very attractive, and we encourage some of our clients to become members of FADOQ to take advantage of their many benefits. However, you should know that several other auto and home insurers also offer similar privileges.

At Assurances Multi-Risques, we believe that Intact Insurance’s LibrEspace FADOQ program can be beneficial, but not for everyone. Depending on your profile and location, Intact Insurance may not be the best insurer for you. And being insured with this insurer does not guarantee you the best premiums and coverage for your car and home.

To find the best insurer for your needs and situation, contact an independent insurance broker who works with several different insurers; they can compare their offers for you!

In the meantime, Intact Insurance customers aged 50 and over who are not members of FADOQ should ask their current insurer or a Assurances Multi-Risques broker to register them with this federation so they can enjoy the benefits of the LibrEspace FADOQ program.