Having trouble with car insurance? Read this!

You are passionate about cars! You love driving, feeling that sense of freedom that comes over you every time you get behind the wheel. But here’s the thing: you may not be the ace driver you would like to be!

You have had multiple accidents and, as a result, multiple claims with your insurer. For several months now, you have been having difficulty finding an insurer willing to provide you with car insurance.

We hope that the following tips will help you in your efforts.

Too frequent complaints

Making a claim for every little mishap may not be the best practice to adopt. Not only can frequent claims impact your premium rates, but over time, your insurer may decide that it is not profitable for them to cover you.

In fact, when you file too many claims, you lose your no-claims discounts. Think carefully!

It is therefore best to choose wisely which incidents you report to your insurance company. Is it necessary to file a claim for minor windshield damage, for example? On the other hand, don’t neglect to file a claim for significant property damage or even physical injury.

Termination of contract?

Yes! As mentioned above, your insurer may reserve the right to terminate your insurance policy due to excessive claims.

Since car insurance is mandatory in Quebec, you will be forced to quickly find another insurer who will accept your file. This process could prove to be very difficult!

Other reasons

You may not be aware of this, but there are many reasons why it will be more difficult to get insurance. In addition to frequent claims, your insurer may reject your application if your driver’s license has been suspended. They may also do so if you have a criminal record.

Also, if you have neglected to pay your insurance premiums or have declared bankruptcy, your contract could be terminated.

Transparency is the key to the solution!

Rest assured! There is always a solution to a difficult insurance case. Some insurers have even developed a specialization for second chance or “non-standard” cases.

However, insuring a problematic case may require the insurer to spend more time analyzing your file. They may ask you more questions and require you to provide additional documentation. For example, if your driver’s license has been suspended, it is very likely that this new insurer will ask to see your updated file from the Société de l’assurance automobile du Québec (SAAQ).

And above all, be transparent! Make sure you don’t hide anything or omit important information, such as the reasons why your first insurance policy was canceled. This will save you a lot of trouble with claims or even the cancellation of your new insurance policy for misrepresentation.

How can you find your way around?

If an insurer rejects your application, your best bet will be an independent insurance broker.

Since independent insurance brokers are, by definition, not affiliated with any insurance company, they can find the insurer that offers the insurance product best suited to your needs.

Similarly, finding insurance can be a complex task. This is especially true when dealing with a difficult case. An independent broker can assist you and help you answer questions from the new insurer. An independent broker can save you time, money, and a lot of headaches! That’s their job!