You’ve tried everything, called everyone, knocked on the doors of every insurer you know, but nothing works! Are you constantly being turned down by insurers?
Peu importe les raisons pour lesquelles il vous est difficile de vous assurer, sachez qu’il existe pour vous des solutions efficaces. Assurances Multi-Risques est expert dans les problèmes d’assurances.
Non-standard insurance risks
There are several reasons why an insurance company may refuse to accept your application. In fact, these situations of refusal are so common that there is a term to describe this reality: non-standard (or substandard) insurance risks.
Among the possible reasons, we can count on:
- Des réclamations trop fréquentes;
- Un mauvais dossier de crédit;
- Une arrestation pour conduite avec les facultés affaiblies;
- A criminal record.
In any case, you can count on solutions by going through an independent insurance broker.
Why do business with an independent insurance broker?
As a last resort, an independent insurance broker is a valuable ally in finding car insurance or home insurance.
A broker has excellent knowledge of the market and insurance products. He has no bias towards any particular insurer: he is 100% independent.
In addition, an independent insurance broker will offer you comprehensive support in finding an insurer that accepts difficult cases. They can also advise you on various ways to reduce your insurance premiums. This advice may prove useful in your particular situation.
The Insurance Bureau of Canada
If your independent insurance broker has been unable to find a solution, you can always contact the Insurance Bureau of Canada (IBC) as a last resort.
The IBC is here to answer your questions about property and casualty insurance, such as auto insurance, home insurance, and business insurance.
The IBC also has a mandate to facilitate access to insurance. If you have been unable to find insurance through a broker, the IBC can help. They can assist you in finding an insurance company that will accept your application.
The IBC teams can assist you and suggest possible solutions. However, to access their services, you must be able to prove that you have taken steps with various insurers or a broker.
This step will be easier if you have chosen to work with an independent insurance broker. The broker is mandated to represent you before various authorities. He or she will therefore be able to testify to the IBC about the steps taken on your behalf.
An independent insurance broker: always a solution
Don’t give up. If you are dealing with a difficult insurance claim, you will benefit greatly from working with Assurance Multi-Risques. Research, advice, procedures, support: you will save yourself a lot of stress and save a lot of time and energy.