For many people, paying for insurance is seen as an expense rather than an investment. It’s true: car or home insurance is a product that you hope you’ll never have to use… It’s nothing like buying a new car or a new pair of shoes! As insurance brokers, we often receive calls from clients who are determined to file a claim when something goes wrong, thinking that they will finally get their money’s worth from the insurance premiums they have paid all their lives. However, this is not always the best solution! Too many claims can have very unpleasant consequences. In this article, Assurances Multi-Risques would like to make you aware of these consequences and give you some tips on how to avoid them. <\/p>\n\n
Unfortunately, the definition of an excessively high claims frequency varies from one insurer to another. We are therefore unable to provide you with a specific limit. However, a minimum of two claims may sometimes be sufficient. And over what period of time? It depends… Some insurance companies may go back up to 10 years in your file to assess your claims frequency, while others may be more flexible. <\/p>\n\n
Obviously, a claim will increase your insurance premium since you will lose your no-claims discount. However, for an insurer, renewing a policy after a claim is a fairly simple task. It becomes more complicated when a policyholder has made several claims in a short period of time. In such a situation, the insurer may take various decisions (which are unlikely to be to your liking): <\/p>\n\n
Avant de proc\u00e9der \u00e0 une r\u00e9clamation, nous vous conseillons fortement de contacter votre agent ou votre courtier d\u2019assurance pour lui demander s\u2019il est rentable pour vous d\u2019effectuer la r\u00e9clamation. \u00c9vitez de r\u00e9clamer de petits montants\u2009! Rappelez-vous que votre exp\u00e9rience de sinistralit\u00e9 est un facteur important lors du renouvellement de votre assurance. De plus, limiter vos r\u00e9clamations pourrait vous permettre d\u2019\u00e9viter de devoir vous assurer dans un march\u00e9 non standard sp\u00e9cialis\u00e9 dans les fr\u00e9quences \u00e9lev\u00e9es de r\u00e9clamation, et donc, de payer des primes sal\u00e9es. *Pour en savoir plus, nous vous invitons \u00e0 lire un de nos <\/em>pr\u00e9c\u00e9dents articles<\/em><\/a><\/strong> sur les probl\u00e8mes reli\u00e9s \u00e0 une fr\u00e9quence trop \u00e9lev\u00e9e de r\u00e9clamations. <\/em>\u00c9galement, nous vous invitons \u00e0 \u00eatre proactif\u00a0: investissez dans la pr\u00e9vention. Croyez-nous cela est plus rentable \u00e0 moyen et \u00e0 long terme que d\u2019effectuer une r\u00e9clamation.<\/p>\n\n In closing, we hope we have made you aware of the importance of avoiding excessive claims. And if you are one of those who hope to “get your money’s worth” from your insurance by filing a claim whenever possible, you now know that filing too many claims can cost you dearly! Only your broker or agent can advise you on whether it is worth making a claim or whether it is better to refrain. For advice from a reputable advisor, contact one of our brokers. They will give you the straight facts and be there for you when you need them. <\/p>\n","protected":false},"excerpt":{"rendered":"To avoid insurance problems and difficulties obtaining coverage due to frequent claims, contact your insurance broker before filing a claim with your auto, home, or business insurer. ","protected":false},"featured_media":8008,"template":"","cke_assurances_tax":[],"cke_assurances_types":[],"cke_post_display":[102],"class_list":["post-8899","cke_blogue","type-cke_blogue","status-publish","has-post-thumbnail","hentry","cke_post_display-produit"],"acf":[],"mb":[],"mfb_rest_fields":["title"],"_links":{"self":[{"href":"https:\/\/multi-risques.com\/en\/wp-json\/wp\/v2\/cke_blogue\/8899","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/multi-risques.com\/en\/wp-json\/wp\/v2\/cke_blogue"}],"about":[{"href":"https:\/\/multi-risques.com\/en\/wp-json\/wp\/v2\/types\/cke_blogue"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/multi-risques.com\/en\/wp-json\/wp\/v2\/media\/8008"}],"wp:attachment":[{"href":"https:\/\/multi-risques.com\/en\/wp-json\/wp\/v2\/media?parent=8899"}],"wp:term":[{"taxonomy":"cke_assurances_tax","embeddable":true,"href":"https:\/\/multi-risques.com\/en\/wp-json\/wp\/v2\/cke_assurances_tax?post=8899"},{"taxonomy":"cke_assurances_types","embeddable":true,"href":"https:\/\/multi-risques.com\/en\/wp-json\/wp\/v2\/cke_assurances_types?post=8899"},{"taxonomy":"cke_post_display","embeddable":true,"href":"https:\/\/multi-risques.com\/en\/wp-json\/wp\/v2\/cke_post_display?post=8899"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}