While everyone is equal before the law, not everyone is equal in the eyes of insurers. If you or your partner have a criminal record, you will be treated differently when purchasing insurance. There are 4 million Canadians in this situation. <\/p>\n\n
Some companies will refuse to insure you altogether, while others will do so at a higher premium. Even without jail time and even after years have passed, your premium will be affected by your past offense. <\/p>\n\n
Assurances Multi-Risques peut vous aider \u00e0 trouver une nouvelle assurance, peu importe votre pass\u00e9 judiciaire. Ils vous offrent une deuxi\u00e8me chance. Oubliez le pass\u00e9, on veut vous aider \u00e0 trouver un assureur qui vous couvrira malgr\u00e9 votre casier judiciaire<\/a>. Regardez vers l’avenir avec nos conseils.<\/p>\n\n Plusieurs compagnies d\u2019assurance refusent d\u2019assurer les personnes avec un dossier criminel. Ce refus peut\u00a0 toucher toutes personnes vivant sous le m\u00eame toit. Dans les autres cas, ils vous assureront avec une surprime d’assurance sal\u00e9e, qu’il s’agisse d’assurance habitation<\/a>, d’assurance automobile<\/a> ou d’assurance moto<\/a>.<\/p>\n\n N\u00e9anmoins, \u00e9vitez de ne pas divulguer vos ant\u00e9c\u00e9dents judiciaires pour d\u00e9jouer votre assureur ou r\u00e9aliser des \u00e9conomies.\u00a0 Si vous le faites, vous risquez plut\u00f4t de vous trouver dans une situation de refus de couverture en cas de r\u00e9clamation<\/a>.<\/p>\n\n In fact, according to Article 2408 of the Civil Code of Qu\u00e9bec<\/a>, you are required to disclose any factor that could change the assessment of your risk.<\/p>\n\n If you don’t, there could be serious consequences. An insurance company that agrees to insure you and later discovers the truth may cancel your insurance policy. It may even refuse to pay your claim. <\/p>\n\n In conclusion, remember that it is better to pay more for insurance than to go without protection. When the day comes that you need to make a claim, you will be relieved you did. <\/p>\n\n You must report this to your insurer! This information must always be reported for all individuals residing under the same roof. As you may have guessed, the fact that someone living under your roof has a criminal record is an aggravating factor. <\/p>\n\n Some of our policyholders sometimes mention that an insurer did not ask them if anyone living under their roof had a criminal record. Even if you are not asked this question, you must still disclose this information to your insurer. <\/p>\n\n Si vous \u00eates d\u00e9courag\u00e9 par la r\u00e9siliation de votre assurance automobile et habitation, rassurez-vous! Des assureurs sp\u00e9cialis\u00e9s<\/a> pour les clients avec un dossier criminel existent!<\/p>\n\n They have a wide range of expertise and can advise and develop strategies for people with criminal records.<\/p>\n\n Of course, in return, you will have to pay higher insurance premiums than with your previous insurer. This is because insurers offer fewer options for this type of policy. <\/p>\n\n The extent of your criminal record also has an impact on your premium and the coverage offered by your new insurer. These are factors that insurance companies take into consideration when assessing the level of risk. <\/p>\n\nDisclose your criminal history to the insurer<\/h2>\n\n
False statements are costly<\/h3>\n\n
What should you do if your child has a criminal record?<\/h2>\n\n
Finding insurance with a criminal record<\/h2>\n\n