{"id":14904,"date":"2023-01-10T11:01:46","date_gmt":"2023-01-10T16:01:46","guid":{"rendered":"https:\/\/multi-risques.com\/assurances\/having-trouble-getting-insurance\/"},"modified":"2026-03-04T15:56:28","modified_gmt":"2026-03-04T20:56:28","slug":"personal-insurance-problems","status":"publish","type":"page","link":"https:\/\/multi-risques.com\/en\/personal\/products-and-solutions-personal\/personal-insurance-problems\/","title":{"rendered":"Having trouble getting insurance?"},"content":{"rendered":"\n
<\/span>\"\"
\n
\n
\n

Insurance problems<\/p>\n\n\n

Having trouble getting insurance?<\/h1>\n\n\n

There are solutions for all complex situations! Are you having trouble finding insurance for your home or vehicle? There are a number of potential reasons for this situation.<\/p>\n\n\n\n

Our team of independent brokers has in-depth knowledge of the market and tailored insurance products for more complex situations. Working with several insurance companies specializing in non-standard insurance risks means that they are equipped to find you an insurer that will agree to cover your home or vehicle.<\/p>\n\n\n\n

AMR offers comprehensive, personalized support for the challenges you face, as well as tips on how to lower your insurance premium! It’s a no-brainer\u2014with AMR, you get the best of both worlds!<\/p>\n\n\n\n

\n
Get a quote<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div><\/header>\n\n\n\n
\n
\n
\n
\n

The most common insurance problems<\/h2>\n\n\n\n

Assurances Multi-Risques is a team of brokers specialized in non-standard insurance. We are committed to defending your interests in order to give your insurance needs a second chance.<\/p>\n\n\n\n

Whether you are having difficulty finding an insurer for your home or your vehicle, our team guarantees that there are solutions! Our expertise will save you a lot of tedious procedures, as well as guiding you towards the right insurance products.<\/p>\n\n\n\n

The proof? We have compiled a list of all the problems encountered that our team has… solved!<\/p>\n\n\n\n

\n
Get a quote<\/a><\/div>\n<\/div>\n<\/header>\n<\/div>\n\n\n\n
\n\t
\n
\n\t
\n\n
\n\t
\n\n

Termination for non-payment<\/h3>\n\n<\/div>\n\t
<\/i><\/i><\/div>\n<\/header>\n\t\n\n
\n\t
\n\n

After one or more payments have been declined due to insufficient funds, your insurer may decide to cancel your insurance policy. Your insurance broker can help you find an insurer who will agree to cover you after your policy has been terminated for non-payment of premiums. Above all, don’t wait to find new insurance! Other consequences could ensue.<\/p>\n\n\n\n

\n
Learn more<\/a><\/div>\n<\/div>\n\n<\/div>\n<\/article>\n\n<\/div>\n<\/article>\n\n\n
\n\t
\n\n
\n\t
\n\n

Bad credit & bankruptcy<\/h3>\n\n<\/div>\n\t
<\/i><\/i><\/div>\n<\/header>\n\t\n\n
\n\t
\n\n

Late payments, non-payment of your premium, poor credit history, accumulation of debt, bankruptcy, etc. These are all situations that can lead insurers to perceive your file as risky. For an insurer, a poor credit history means more risk, since you may not be able to invest in proper maintenance of your vehicle or home. However, there are insurers that specialize in non-standard insurance.<\/p>\n\n\n\n

For an insurer, a poor credit history<\/a> means more risk, as you may not be able to invest in proper maintenance of your vehicle or home. However, there are insurers that specialize in non-standard insurance.<\/p>\n\n\n\n

\n
Learn more<\/a><\/div>\n<\/div>\n\n<\/div>\n<\/article>\n\n<\/div>\n<\/article>\n\n\n
\n\t
\n\n
\n\t
\n\n

Criminal record<\/h3>\n\n<\/div>\n\t
<\/i><\/i><\/div>\n<\/header>\n\t\n\n
\n\t
\n\n

Do you have a criminal record due to impaired driving, dangerous driving or a variety of other reasons? Getting car or home insurance becomes much more complex. However, there are tips to facilitate your search process (and contacting an independent insurance broker is one of them!).<\/p>\n\n\n\n

\n
Learn more<\/a><\/div>\n<\/div>\n\n<\/div>\n<\/article>\n\n<\/div>\n<\/article>\n\n\n
\n\t
\n\n
\n\t
\n\n

Frequent claims<\/h3>\n\n<\/div>\n\t
<\/i><\/i><\/div>\n<\/header>\n\t\n\n
\n\t
\n\n

A lot of incidents have occurred in recent years: water leaks, broken windshields, fender-benders, etc. Your insurer has advised you that they are terminating your contract because you have made claims too frequently. However, there are solutions to facilitate your search for a new insurance company and, especially, we have some tips to ensure that this situation never happens again!<\/p>\n\n\n\n

\n
Learn more<\/a><\/div>\n<\/div>\n\n<\/div>\n<\/article>\n\n<\/div>\n<\/article>\n\n\n
\n\t
\n\n
\n\t
\n\n

Increased risk<\/h3>\n\n<\/div>\n\t
<\/i><\/i><\/div>\n<\/header>\n\t\n\n
\n\t
\n\n

Is your house no longer occupied? Are you adding your child to your policy as an occasional driver? Do you have a partner who has a criminal record? There are many situations that can increase the risk in the eyes of your insurer. To avoid unpleasant surprises, it is important to inform your insurer of any changes!<\/p>\n\n\n\n

An omission or false statement can have serious consequences for your insurance policy. It is better to be completely honest about increased risks to ensure that you are properly protected.<\/p>\n\n\n\n

\n
Learn more<\/a><\/div>\n<\/div>\n\n<\/div>\n<\/article>\n\n<\/div>\n<\/article>\n\n\n
\n\t
\n\n
\n\t
\n\n

Vacant house<\/h3>\n\n<\/div>\n\t
<\/i><\/i><\/div>\n<\/header>\n\t\n\n
\n\t
\n\n

A vacant house is often synonymous with increased risk for an insurer. Theft, fire, vandalism … there are many situations that lead to increased risk. A house that is vacant for more than 30 days will not be covered by your insurer in the event of an accident.<\/p>\n\n\n\n

\n
Learn more<\/a><\/div>\n<\/div>\n\n<\/div>\n<\/article>\n\n<\/div>\n<\/article>\n\n\n
\n\t
\n\n
\n\t
\n\n

Impaired driving<\/h3>\n\n<\/div>\n\t
<\/i><\/i><\/div>\n<\/header>\n\t\n\n
\n\t
\n\n

Has your license been suspended due to drug use or excessive alcohol consumption? It is highly likely that your insurer will terminate your policy due to increased risk. While it is true that finding a new insurer after a policy has been terminated for drunk driving or drug use is more difficult, there are solutions! Insurers specializing in non-standard insurance may be willing to insure you.<\/p>\n\n\n\n

\n
Learn more<\/a><\/div>\n<\/div>\n\n<\/div>\n<\/article>\n\n<\/div>\n<\/article>\n\n\n
\n\t
\n\n
\n\t
\n\n

At-risk residence<\/h3>\n\n<\/div>\n\t
<\/i><\/i><\/div>\n<\/header>\n\t\n\n
\n\t
\n\n

If you live in an area deemed to be at risk (a neighbourhood that is violent or has a lot of break and enters), it could be harder for you to get insured. You may need an independent insurance broker to find the right insurance for you.<\/p>\n\n\n\n

\n
Contact our brokers<\/a><\/div>\n<\/div>\n\n<\/div>\n<\/article>\n\n<\/div>\n<\/article>\n\n<\/div>\n<\/section>\n<\/div>\n<\/div>\n<\/section>\n\n\n\n
\n
\n
\n
\n

Some tips for reducing your insurance premium<\/h2>\n<\/header>\n<\/div>\n\n\n\n
\n
\n

Avoid making false claims.<\/h3>\n\n\n\n

Be transparent and honest! In the event of an accident or claim, you will avoid unpleasant surprises.<\/p>\n\n\n\n

Avoid insurance interruptions.<\/h3>\n\n\n\n

It is always preferable to have home and car insurance coverage that meets your needs at all times.<\/p>\n\n\n\n

Contact our independent insurance brokers!<\/h3>\n\n\n\n

These insurance experts take your well-being to heart. At AMR, we find solutions for all obstacles encountered.<\/p>\n\n\n\n

\n
Contact Us<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/section>\n\n\n\n
\n
\n
\n
\n

Answers <\/mark>to your questions<\/h2>\n\n\n\n
\n
See our FAQ<\/a><\/div>\n<\/div>\n<\/header>\n<\/div>\n\n\n\n
\n
<\/section>\n<\/div>\n<\/div>\n<\/section>\n\n\n\n
\n
\n

Tips <\/mark>and advices<\/h2>\n<\/header>\n\n\n\n