{"id":9894,"date":"2023-01-10T11:40:42","date_gmt":"2023-01-10T16:40:42","guid":{"rendered":"https:\/\/multi-risques.com\/frequently-asked-questions\/"},"modified":"2026-01-06T16:28:31","modified_gmt":"2026-01-06T21:28:31","slug":"frequently-asked-questions","status":"publish","type":"page","link":"https:\/\/multi-risques.com\/en\/frequently-asked-questions\/","title":{"rendered":"Frequently Asked Questions"},"content":{"rendered":"\n<header class=\"wp-block-cover alignfull is-light\"><span aria-hidden=\"true\" class=\"wp-block-cover__background has-background-dim-0 has-background-dim\"><\/span><img decoding=\"async\" width=\"1920\" height=\"1098\" src=\"https:\/\/multi-risques.com\/wp-content\/uploads\/2023\/03\/amr-footer-blogue.jpg\" class=\"wp-block-cover__image-background wp-post-image\" alt=\"Besoins de conseils - AMR\" data-object-fit=\"cover\" srcset=\"https:\/\/multi-risques.com\/wp-content\/uploads\/2023\/03\/amr-footer-blogue.jpg 2290w, https:\/\/multi-risques.com\/wp-content\/uploads\/2023\/03\/amr-footer-blogue-300x171.jpg 300w, https:\/\/multi-risques.com\/wp-content\/uploads\/2023\/03\/amr-footer-blogue-1024x585.jpg 1024w, https:\/\/multi-risques.com\/wp-content\/uploads\/2023\/03\/amr-footer-blogue-768x439.jpg 768w, https:\/\/multi-risques.com\/wp-content\/uploads\/2023\/03\/amr-footer-blogue-1536x878.jpg 1536w, https:\/\/multi-risques.com\/wp-content\/uploads\/2023\/03\/amr-footer-blogue-2048x1171.jpg 2048w, https:\/\/multi-risques.com\/wp-content\/uploads\/2023\/03\/amr-footer-blogue-336x192.jpg 336w\" sizes=\"(max-width: 1920px) 100vw, 1920px\" \/><div class=\"wp-block-cover__inner-container has-global-padding is-layout-constrained wp-block-cover-is-layout-constrained\">\n<div class=\"wp-block-group alignwide has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-faaaa14e wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group has-vert-fonce-background-color has-background has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-a81d7310 wp-block-group-is-layout-constrained\" style=\"margin-top:var(--wp--preset--spacing--6);margin-bottom:var(--wp--preset--spacing--6);padding-top:var(--wp--preset--spacing--3);padding-right:var(--wp--preset--spacing--3);padding-bottom:var(--wp--preset--spacing--3);padding-left:var(--wp--preset--spacing--3)\">\n<p class=\"is-style-label is-style-label--1 wp-block-paragraph\">Frequently Asked Questions<\/p>\n\n\n\n<h1 class=\"wp-block-heading has-text-align-left\">We answer your questions<\/h1>\n\n\n\n<p class=\"is-style-subtitle is-style-subtitle--2 wp-block-paragraph\">Has water damage just ruined your cocktail party? Did your attempt to make homemade fries fail and now your house stinks of smoke? Did your vehicle accidentally collide with a fire hydrant? Did your new employee fall down the icy stairs? There&#8217;s a solution for every situation!    <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">To get clear, simple and accurate information about insurance for your car, home, motorcycle, RV and much more, check out our Frequently Asked Questions!<\/p>\n<\/div>\n<\/div>\n<\/div><\/header>\n\n\n\n<section class=\"wp-block-group alignwide query_section has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\" style=\"margin-top:var(--wp--preset--spacing--10);margin-bottom:var(--wp--preset--spacing--10)\">\n<header class=\"wp-block-group alignwide has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-6ad0a06a wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading is-style-small-mark has-white-color has-text-color has-link-color wp-elements-0e6f5c6ef75254007ca1ef211a2061dd is-style-small-mark--3\"><mark class=\"has-inline-color has-vert-color\">Questions about<\/mark> insurance for individuals<\/h2>\n<\/header>\n\n\n\n<section class=\"wp-block-query alignwide accordeons is-layout-flow wp-block-query-is-layout-flow\">\n<div class=\"wp-block-group has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-f8574890 wp-block-group-is-layout-constrained\">\n<p class=\"has-jaune-color has-text-color has-link-color wp-elements-ff8102e75ad28c69bea3391e0bc87f53 wp-block-paragraph\">Sort by insurance type<\/p>\n\n\n<div class=\"wp-block-twentybellows-taxonomy-query-filter\"><select data-query-filter-prefetch data-query-filter-query-id=\"30\" data-query-filter-taxonomy=\"cke_faq_types\" data-wp-init--taxonomy-query-filter=\"callbacks.init\" data-wp-interactive=\"twentybellows\/taxonomy-query-filter\" data-wp-on--change=\"actions.filterByTerm\"><option selected value=\"all\">Types de question<\/option><option value=\"home-insurance\">Home Insurance<\/option><option value=\"vehicle-insurance\">Vehicle insurance<\/option><\/select><\/div><\/div>\n\n\n<ul class=\"accordeons wp-block-post-template is-layout-flow wp-block-post-template-is-layout-flow\"><li class=\"wp-block-post post-9913 cke_faqs type-cke_faqs status-publish hentry cke_assurances_types-personal cke_assurances_types-home cke_faq_types-home-insurance cke_post_display-produit\">\n\n<article class=\"wp-block-group alignfull has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\"><article class=\"alignfull wp-block-cke-accordion-item is-layout-flow wp-block-cke-accordion-item-is-layout-flow\">\n\t<div class=\"acf-innerblocks-container\">\n\n<header class=\"align wp-block-cke-accordion-head is-layout-flow wp-block-cke-accordion-head-is-layout-flow\">\n\t<div class=\"wp-block-cke-accordion-head__ctn is-layout-flow\">\n\n<div class=\"wp-block-group has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-6ad0a06a wp-block-group-is-layout-constrained\"><h3 class=\"wp-block-post-title\">Is insurance for an unoccupied building less expensive?<\/h3><\/div>\n\n<\/div>\n\t<div class=\"wp-block-cke-accordion-head_toggle\"><i class=\"fa-sharp fa-chevron-down\"><\/i><\/i><\/div>\n<\/header>\n\t\n\n<article class=\"align wp-block-cke-accordion-body is-layout-flow wp-block-cke-accordion-body-is-layout-flow\">\n\t<div class=\"wp-block-cke-accordion-body__ctn is-layout-flow\">\n\n<div class=\"wp-block-group has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-6ad0a06a wp-block-group-is-layout-constrained\"><div class=\"entry-content wp-block-post-content is-layout-flow wp-block-post-content-is-layout-flow\">\n<p class=\"wp-block-paragraph\">Quite the opposite, in fact! Insuring an unoccupied building is generally more expensive than insuring an occupied building. This is because a building with no occupants represents a higher risk of claims.  <\/p>\n\n<p class=\"wp-block-paragraph\">Since it is unoccupied, it is more likely to be vandalized, broken into or damaged by outside elements, or to have maintenance and security problems that no one will report.<\/p>\n<\/div><\/div>\n\n<\/div>\n<\/article>\n\n<\/div>\n<\/article>\n<\/article>\n\n<\/li><li class=\"wp-block-post post-9941 cke_faqs type-cke_faqs status-publish hentry cke_assurances_tax-proprietaire cke_assurances_tax-residence-secondaire-et-residence-saisonniere cke_assurances_types-personal cke_assurances_types-home cke_faq_types-home-insurance cke_post_display-page-habitation cke_post_display-produit\">\n\n<article class=\"wp-block-group alignfull has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\"><article class=\"alignfull wp-block-cke-accordion-item is-layout-flow wp-block-cke-accordion-item-is-layout-flow\">\n\t<div class=\"acf-innerblocks-container\">\n\n<header class=\"align wp-block-cke-accordion-head is-layout-flow wp-block-cke-accordion-head-is-layout-flow\">\n\t<div class=\"wp-block-cke-accordion-head__ctn is-layout-flow\">\n\n<div class=\"wp-block-group has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-6ad0a06a wp-block-group-is-layout-constrained\"><h3 class=\"wp-block-post-title\">Is home insurance mandatory?<\/h3><\/div>\n\n<\/div>\n\t<div class=\"wp-block-cke-accordion-head_toggle\"><i class=\"fa-sharp fa-chevron-down\"><\/i><\/i><\/div>\n<\/header>\n\t\n\n<article class=\"align wp-block-cke-accordion-body is-layout-flow wp-block-cke-accordion-body-is-layout-flow\">\n\t<div class=\"wp-block-cke-accordion-body__ctn is-layout-flow\">\n\n<div class=\"wp-block-group has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-6ad0a06a wp-block-group-is-layout-constrained\"><div class=\"entry-content wp-block-post-content is-layout-flow wp-block-post-content-is-layout-flow\">\n<p class=\"wp-block-paragraph\">In Quebec, home insurance is not mandatory, unless it is required by a financial institution in the case of a mortgage loan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">However, home insurance is strongly recommended to protect you financially in the event of fire, theft, or water damage, for example. To deal with any eventuality, it is always better to protect yourself against all risks!<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/multi-risques.com\/en\/tips-and-advice\/home-insurance-and-civil-liability\/\">Read more<\/a><\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n<\/div><\/div>\n\n<\/div>\n<\/article>\n\n<\/div>\n<\/article>\n<\/article>\n\n<\/li><li class=\"wp-block-post post-17523 cke_faqs type-cke_faqs status-publish hentry cke_assurances_types-personal cke_assurances_types-home cke_faq_types-assurance-habitation cke_post_display-page-habitation\">\n\n<article class=\"wp-block-group alignfull has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\"><article class=\"alignfull wp-block-cke-accordion-item is-layout-flow wp-block-cke-accordion-item-is-layout-flow\">\n\t<div class=\"acf-innerblocks-container\">\n\n<header class=\"align wp-block-cke-accordion-head is-layout-flow wp-block-cke-accordion-head-is-layout-flow\">\n\t<div class=\"wp-block-cke-accordion-head__ctn is-layout-flow\">\n\n<div class=\"wp-block-group has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-6ad0a06a wp-block-group-is-layout-constrained\"><h3 class=\"wp-block-post-title\">What documents are required to take out home insurance?<\/h3><\/div>\n\n<\/div>\n\t<div class=\"wp-block-cke-accordion-head_toggle\"><i class=\"fa-sharp fa-chevron-down\"><\/i><\/i><\/div>\n<\/header>\n\t\n\n<article class=\"align wp-block-cke-accordion-body is-layout-flow wp-block-cke-accordion-body-is-layout-flow\">\n\t<div class=\"wp-block-cke-accordion-body__ctn is-layout-flow\">\n\n<div class=\"wp-block-group has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-6ad0a06a wp-block-group-is-layout-constrained\"><div class=\"entry-content wp-block-post-content is-layout-flow wp-block-post-content-is-layout-flow\">\n<p class=\"wp-block-paragraph\">Here are the documents and information you may need to provide to take out home insurance:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>Proof of residence, such as a title deed, lease, or water, electricity, or gas bill.<\/li>\n\n\n\n<li>Information about the building, including its date of construction, size, structure, any renovations carried out, and its general condition.<\/li>\n\n\n\n<li>Information about the building&#8217;s equipment and facilities, such as the heating system, plumbing, electricity, alarm, and security.<\/li>\n\n\n\n<li>Information about the contents of your home (furniture, appliances, clothing, jewelry, and other valuables).<\/li>\n\n\n\n<li>Your history of previous claims, if any.<\/li>\n\n\n\n<li>The names and ages of the people living in the same household and their relationship to you.<\/li>\n\n\n\n<li>Your name, address, and phone number.<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">The documents required to purchase home insurance may vary depending on the insurance company. Your broker will guide you through this process. Your broker can guide you through the process.<\/p>\n<\/div><\/div>\n\n<\/div>\n<\/article>\n\n<\/div>\n<\/article>\n<\/article>\n\n<\/li><li class=\"wp-block-post post-9908 cke_faqs type-cke_faqs status-publish hentry cke_assurances_types-personal cke_assurances_types-home cke_faq_types-home-insurance cke_post_display-produit\">\n\n<article class=\"wp-block-group alignfull has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\"><article class=\"alignfull wp-block-cke-accordion-item is-layout-flow wp-block-cke-accordion-item-is-layout-flow\">\n\t<div class=\"acf-innerblocks-container\">\n\n<header class=\"align wp-block-cke-accordion-head is-layout-flow wp-block-cke-accordion-head-is-layout-flow\">\n\t<div class=\"wp-block-cke-accordion-head__ctn is-layout-flow\">\n\n<div class=\"wp-block-group has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-6ad0a06a wp-block-group-is-layout-constrained\"><h3 class=\"wp-block-post-title\">How long should you keep your home insurance documents?<\/h3><\/div>\n\n<\/div>\n\t<div class=\"wp-block-cke-accordion-head_toggle\"><i class=\"fa-sharp fa-chevron-down\"><\/i><\/i><\/div>\n<\/header>\n\t\n\n<article class=\"align wp-block-cke-accordion-body is-layout-flow wp-block-cke-accordion-body-is-layout-flow\">\n\t<div class=\"wp-block-cke-accordion-body__ctn is-layout-flow\">\n\n<div class=\"wp-block-group has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-6ad0a06a wp-block-group-is-layout-constrained\"><div class=\"entry-content wp-block-post-content is-layout-flow wp-block-post-content-is-layout-flow\">\n<p class=\"wp-block-paragraph\">As a general rule, it is recommended that you keep the following documents for a period of three years:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>Insurance contracts;<\/li>\n\n\n\n<li>Policies &#8211; Insurance premium invoices;<\/li>\n\n\n\n<li>Payment statements;<\/li>\n\n\n\n<li>Notice of maturity;<\/li>\n\n\n\n<li>Renewal documents;<\/li>\n\n\n\n<li>Claims reports;<\/li>\n\n\n\n<li>Receipts for franchise payments;<\/li>\n\n\n\n<li>Repair or replacement invoices;<\/li>\n\n\n\n<li>Expert reports and all other correspondence.<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">However, some documents, such as those related to major claims, may need to be kept for longer periods of time. Au besoin, votre courtier d\u2019assurance saura vous indiquer la dur\u00e9e de conservation recommand\u00e9e.<\/p>\n<\/div><\/div>\n\n<\/div>\n<\/article>\n\n<\/div>\n<\/article>\n<\/article>\n\n<\/li><li class=\"wp-block-post post-9912 cke_faqs type-cke_faqs status-publish hentry cke_assurances_types-personal cke_assurances_types-home cke_assurances_types-vehicle cke_faq_types-home-insurance cke_faq_types-vehicle-insurance cke_post_display-page-vehicules cke_post_display-produit\">\n\n<article class=\"wp-block-group alignfull has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\"><article class=\"alignfull wp-block-cke-accordion-item is-layout-flow wp-block-cke-accordion-item-is-layout-flow\">\n\t<div class=\"acf-innerblocks-container\">\n\n<header class=\"align wp-block-cke-accordion-head is-layout-flow wp-block-cke-accordion-head-is-layout-flow\">\n\t<div class=\"wp-block-cke-accordion-head__ctn is-layout-flow\">\n\n<div class=\"wp-block-group has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-6ad0a06a wp-block-group-is-layout-constrained\"><h3 class=\"wp-block-post-title\">Can I cancel my car insurance at any time?<\/h3><\/div>\n\n<\/div>\n\t<div class=\"wp-block-cke-accordion-head_toggle\"><i class=\"fa-sharp fa-chevron-down\"><\/i><\/i><\/div>\n<\/header>\n\t\n\n<article class=\"align wp-block-cke-accordion-body is-layout-flow wp-block-cke-accordion-body-is-layout-flow\">\n\t<div class=\"wp-block-cke-accordion-body__ctn is-layout-flow\">\n\n<div class=\"wp-block-group has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-6ad0a06a wp-block-group-is-layout-constrained\"><div class=\"entry-content wp-block-post-content is-layout-flow wp-block-post-content-is-layout-flow\">\n<p class=\"wp-block-paragraph\">M\u00eame si les contrats d\u2019assurance sont habituellement d\u2019une dur\u00e9e d\u2019un an, il est en g\u00e9n\u00e9ral possible de r\u00e9silier votre contrat \u00e0 tout moment. Certaines compagnies d\u2019assurance demanderont toutefois de payer des frais de r\u00e9siliation ou demanderont un pr\u00e9avis, si cela est stipul\u00e9 dans votre contrat.<\/p>\n\n<p class=\"wp-block-paragraph\">Pour r\u00e9silier votre contrat d\u2019assurance, vous pouvez contacter votre courtier d\u2019assurance AMR qui se chargera de faire les d\u00e9marches aupr\u00e8s de votre compagnie d\u2019assurance actuelle. Il est aussi possible que vous deviez vous acquitter de certains frais de r\u00e9siliation ou de p\u00e9nalit\u00e9s.<\/p>\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/multi-risques.com\/en\/tips-and-advice\/can-an-insurance-contract-be-terminated\/\">To learn more<\/a><\/div>\n<\/div>\n<\/div><\/div>\n\n<\/div>\n<\/article>\n\n<\/div>\n<\/article>\n<\/article>\n\n<\/li><li class=\"wp-block-post post-15702 cke_faqs type-cke_faqs status-publish hentry cke_assurances_types-personal cke_assurances_types-home cke_faq_types-home-insurance cke_post_display-page-habitation cke_post_display-produit\">\n\n<article class=\"wp-block-group alignfull has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\"><article class=\"alignfull wp-block-cke-accordion-item is-layout-flow wp-block-cke-accordion-item-is-layout-flow\">\n\t<div class=\"acf-innerblocks-container\">\n\n<header class=\"align wp-block-cke-accordion-head is-layout-flow wp-block-cke-accordion-head-is-layout-flow\">\n\t<div class=\"wp-block-cke-accordion-head__ctn is-layout-flow\">\n\n<div class=\"wp-block-group has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-6ad0a06a wp-block-group-is-layout-constrained\"><h3 class=\"wp-block-post-title\">Can my insurer terminate my home insurance policy if I make too many claims?<\/h3><\/div>\n\n<\/div>\n\t<div class=\"wp-block-cke-accordion-head_toggle\"><i class=\"fa-sharp fa-chevron-down\"><\/i><\/i><\/div>\n<\/header>\n\t\n\n<article class=\"align wp-block-cke-accordion-body is-layout-flow wp-block-cke-accordion-body-is-layout-flow\">\n\t<div class=\"wp-block-cke-accordion-body__ctn is-layout-flow\">\n\n<div class=\"wp-block-group has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-6ad0a06a wp-block-group-is-layout-constrained\"><div class=\"entry-content wp-block-post-content is-layout-flow wp-block-post-content-is-layout-flow\">\n<p class=\"wp-block-paragraph\">If you make a number of claims that your insurer considers excessive within a short period of time, they may terminate your insurance policy. However, the insurer must send you a written notice and the cancellation will take effect 15 days after you receive the notice. In such a case, an insurer is not entitled to charge you a penalty and must refund any excess premiums you may have paid.<\/p>\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/multi-risques.com\/trucs-et-conseils\/frequence-de-reclamation\/\">To learn more<\/a><\/div>\n<\/div>\n<\/div><\/div>\n\n<\/div>\n<\/article>\n\n<\/div>\n<\/article>\n<\/article>\n\n<\/li><li class=\"wp-block-post post-9916 cke_faqs type-cke_faqs status-publish hentry cke_assurances_types-personal cke_assurances_types-vehicle cke_faq_types-vehicle-insurance cke_post_display-page-vehicules cke_post_display-produit\">\n\n<article class=\"wp-block-group alignfull has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\"><article class=\"alignfull wp-block-cke-accordion-item is-layout-flow wp-block-cke-accordion-item-is-layout-flow\">\n\t<div class=\"acf-innerblocks-container\">\n\n<header class=\"align wp-block-cke-accordion-head is-layout-flow wp-block-cke-accordion-head-is-layout-flow\">\n\t<div class=\"wp-block-cke-accordion-head__ctn is-layout-flow\">\n\n<div class=\"wp-block-group has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-6ad0a06a wp-block-group-is-layout-constrained\"><h3 class=\"wp-block-post-title\">What to do in case of an accident?<\/h3><\/div>\n\n<\/div>\n\t<div class=\"wp-block-cke-accordion-head_toggle\"><i class=\"fa-sharp fa-chevron-down\"><\/i><\/i><\/div>\n<\/header>\n\t\n\n<article class=\"align wp-block-cke-accordion-body is-layout-flow wp-block-cke-accordion-body-is-layout-flow\">\n\t<div class=\"wp-block-cke-accordion-body__ctn is-layout-flow\">\n\n<div class=\"wp-block-group has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-6ad0a06a wp-block-group-is-layout-constrained\"><div class=\"entry-content wp-block-post-content is-layout-flow wp-block-post-content-is-layout-flow\">\n<p class=\"wp-block-paragraph\">In the event of a car accident, it is important to take immediate steps to protect your safety and your interests. Here are the steps to follow:<\/p>\n\n<ol class=\"wp-block-list\">\n<li>Ensure everyone is safe and call emergency services and the police if necessary. If possible, move the cars involved out of the lane of traffic.<\/li>\n\n\n\n<li>Exchange information with the other drivers and, if the circumstances of the accident allow, fill out an accident report form.<\/li>\n\n\n\n<li>Take photos of the accident scene, damage to vehicles, and any visible injuries.<\/li>\n\n\n\n<li>Contact your insurance broker immediately to report the accident and provide them with all the information you have.<\/li>\n<\/ol>\n\n<p class=\"wp-block-paragraph\">In addition, it is best to avoid admitting fault following the accident, as this could harm your claim for compensation. Instead, let the insurance companies investigate and determine the cause of the accident. <\/p>\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/multi-risques.com\/trucs-et-conseils\/un-accident-de-voiture-savez-vous-quoi-faire\/\">To learn more<\/a><\/div>\n<\/div>\n<\/div><\/div>\n\n<\/div>\n<\/article>\n\n<\/div>\n<\/article>\n<\/article>\n\n<\/li><li class=\"wp-block-post post-9914 cke_faqs type-cke_faqs status-publish hentry cke_assurances_types-personal cke_assurances_types-vehicle cke_faq_types-vehicle-insurance cke_post_display-produit\">\n\n<article class=\"wp-block-group alignfull has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\"><article class=\"alignfull wp-block-cke-accordion-item is-layout-flow wp-block-cke-accordion-item-is-layout-flow\">\n\t<div class=\"acf-innerblocks-container\">\n\n<header class=\"align wp-block-cke-accordion-head is-layout-flow wp-block-cke-accordion-head-is-layout-flow\">\n\t<div class=\"wp-block-cke-accordion-head__ctn is-layout-flow\">\n\n<div class=\"wp-block-group has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-6ad0a06a wp-block-group-is-layout-constrained\"><h3 class=\"wp-block-post-title\">Should immobilized vehicles be insured?<\/h3><\/div>\n\n<\/div>\n\t<div class=\"wp-block-cke-accordion-head_toggle\"><i class=\"fa-sharp fa-chevron-down\"><\/i><\/i><\/div>\n<\/header>\n\t\n\n<article class=\"align wp-block-cke-accordion-body is-layout-flow wp-block-cke-accordion-body-is-layout-flow\">\n\t<div class=\"wp-block-cke-accordion-body__ctn is-layout-flow\">\n\n<div class=\"wp-block-group has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-6ad0a06a wp-block-group-is-layout-constrained\"><div class=\"entry-content wp-block-post-content is-layout-flow wp-block-post-content-is-layout-flow\">\n<p class=\"wp-block-paragraph\">The answer to this question depends on why the vehicle is immobilized and the requirements of your insurance company.<\/p>\n\n<p class=\"wp-block-paragraph\">If your vehicle is out of service for an extended period of time, you may want to consider insuring it against risks such as theft, fire, or damage caused by natural elements. This can be particularly important if the vehicle is parked in a location where it is likely to be damaged or stolen, such as a quiet street or an unguarded parking lot. <\/p>\n\n<p class=\"wp-block-paragraph\">However, if your vehicle is simply immobilized for a short period of time, such as for repairs or maintenance, your current insurance policy may already cover the risks mentioned above. It is important to check the terms and conditions of your insurance contract to see what is covered and what is not. <\/p>\n\n<p class=\"wp-block-paragraph\">In any case, it is always best to contact your insurance company to discuss your specific situation and ensure that you have the appropriate coverage for your immobilized vehicle.<\/p>\n<\/div><\/div>\n\n<\/div>\n<\/article>\n\n<\/div>\n<\/article>\n<\/article>\n\n<\/li><li class=\"wp-block-post post-15700 cke_faqs type-cke_faqs status-publish hentry cke_assurances_types-personal cke_assurances_types-vehicle cke_faq_types-vehicle-insurance cke_post_display-page-vehicules cke_post_display-produit\">\n\n<article class=\"wp-block-group alignfull has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\"><article class=\"alignfull wp-block-cke-accordion-item is-layout-flow wp-block-cke-accordion-item-is-layout-flow\">\n\t<div class=\"acf-innerblocks-container\">\n\n<header class=\"align wp-block-cke-accordion-head is-layout-flow wp-block-cke-accordion-head-is-layout-flow\">\n\t<div class=\"wp-block-cke-accordion-head__ctn is-layout-flow\">\n\n<div class=\"wp-block-group has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-6ad0a06a wp-block-group-is-layout-constrained\"><h3 class=\"wp-block-post-title\">Should I file a claim after an accident?<\/h3><\/div>\n\n<\/div>\n\t<div class=\"wp-block-cke-accordion-head_toggle\"><i class=\"fa-sharp fa-chevron-down\"><\/i><\/i><\/div>\n<\/header>\n\t\n\n<article class=\"align wp-block-cke-accordion-body is-layout-flow wp-block-cke-accordion-body-is-layout-flow\">\n\t<div class=\"wp-block-cke-accordion-body__ctn is-layout-flow\">\n\n<div class=\"wp-block-group has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-6ad0a06a wp-block-group-is-layout-constrained\"><div class=\"entry-content wp-block-post-content is-layout-flow wp-block-post-content-is-layout-flow\">\n<p class=\"wp-block-paragraph\">The decision to file a claim after an accident depends on several factors, such as the severity of the accident, the amount of your deductible, your insurance history, and the cost of repairs. To make an informed choice, don&#8217;t hesitate to call on the expertise of your AMR insurance broker, who will be able to guide you appropriately. <\/p>\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/multi-risques.com\/trucs-et-conseils\/frequence-de-reclamation\/\">To learn more<\/a><\/div>\n<\/div>\n<\/div><\/div>\n\n<\/div>\n<\/article>\n\n<\/div>\n<\/article>\n<\/article>\n\n<\/li><li class=\"wp-block-post post-9943 cke_faqs type-cke_faqs status-publish hentry cke_assurances_tax-vehicule-recreatif cke_assurances_types-personal cke_assurances_types-vehicle cke_faq_types-vehicle-insurance cke_post_display-produit\">\n\n<article class=\"wp-block-group alignfull has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\"><article class=\"alignfull wp-block-cke-accordion-item is-layout-flow wp-block-cke-accordion-item-is-layout-flow\">\n\t<div class=\"acf-innerblocks-container\">\n\n<header class=\"align wp-block-cke-accordion-head is-layout-flow wp-block-cke-accordion-head-is-layout-flow\">\n\t<div class=\"wp-block-cke-accordion-head__ctn is-layout-flow\">\n\n<div class=\"wp-block-group has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-6ad0a06a wp-block-group-is-layout-constrained\"><h3 class=\"wp-block-post-title\">What should you do if something is stolen from your trailer?<\/h3><\/div>\n\n<\/div>\n\t<div class=\"wp-block-cke-accordion-head_toggle\"><i class=\"fa-sharp fa-chevron-down\"><\/i><\/i><\/div>\n<\/header>\n\t\n\n<article class=\"align wp-block-cke-accordion-body is-layout-flow wp-block-cke-accordion-body-is-layout-flow\">\n\t<div class=\"wp-block-cke-accordion-body__ctn is-layout-flow\">\n\n<div class=\"wp-block-group has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-6ad0a06a wp-block-group-is-layout-constrained\"><div class=\"entry-content wp-block-post-content is-layout-flow wp-block-post-content-is-layout-flow\">\n<p class=\"wp-block-paragraph\">Here are the steps to follow in the event of theft from a trailer:<\/p>\n\n<ol class=\"wp-block-list\">\n<li>Report the theft to the police and provide information such as the license plate number, make, model, etc., to help the police locate your property.<\/li>\n\n\n\n<li>Contact your AMR insurance broker so that they can report the theft to your insurance company and provide them with a copy of the police report. If your insurance policy covers theft, they can also file a claim on your behalf. <\/li>\n<\/ol>\n\n<p class=\"wp-block-paragraph\">By immediately reporting the theft to the police and your insurance company, you increase your chances of being compensated and recovering your property.<\/p>\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/multi-risques.com\/en\/tips-and-advice\/lassurance-pour-vehicules-recreatifs\/\">To learn more<\/a><\/div>\n<\/div>\n<\/div><\/div>\n\n<\/div>\n<\/article>\n\n<\/div>\n<\/article>\n<\/article>\n\n<\/li><li class=\"wp-block-post post-15699 cke_faqs type-cke_faqs status-publish hentry cke_assurances_types-personal cke_assurances_types-vehicle cke_faq_types-vehicle-insurance cke_post_display-page-vehicules cke_post_display-produit\">\n\n<article class=\"wp-block-group alignfull has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\"><article class=\"alignfull wp-block-cke-accordion-item is-layout-flow wp-block-cke-accordion-item-is-layout-flow\">\n\t<div class=\"acf-innerblocks-container\">\n\n<header class=\"align wp-block-cke-accordion-head is-layout-flow wp-block-cke-accordion-head-is-layout-flow\">\n\t<div class=\"wp-block-cke-accordion-head__ctn is-layout-flow\">\n\n<div class=\"wp-block-group has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-6ad0a06a wp-block-group-is-layout-constrained\"><h3 class=\"wp-block-post-title\">Why do frequent claims increase the price of my insurance?<\/h3><\/div>\n\n<\/div>\n\t<div class=\"wp-block-cke-accordion-head_toggle\"><i class=\"fa-sharp fa-chevron-down\"><\/i><\/i><\/div>\n<\/header>\n\t\n\n<article class=\"align wp-block-cke-accordion-body is-layout-flow wp-block-cke-accordion-body-is-layout-flow\">\n\t<div class=\"wp-block-cke-accordion-body__ctn is-layout-flow\">\n\n<div class=\"wp-block-group has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-6ad0a06a wp-block-group-is-layout-constrained\"><div class=\"entry-content wp-block-post-content is-layout-flow wp-block-post-content-is-layout-flow\">\n<p class=\"wp-block-paragraph\">According to statistics, making frequent claims indicates a higher probability that you will make further claims in the future and therefore represents a greater risk for insurers, which translates into a higher insurance premium.<\/p>\n\n<p class=\"wp-block-paragraph\">In addition, frequent claims may indicate that you are more likely to cause damage in the future. For example, numerous claims for car accidents could mean that you are a reckless driver. <\/p>\n\n<p class=\"wp-block-paragraph\">Also, insurance companies factor the costs associated with processing claims into their premium calculations. The more claims there are, the higher these costs are, which affects the amount of premiums paid by their customers, including those who make frequent claims. <\/p>\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/multi-risques.com\/trucs-et-conseils\/frequence-de-reclamation\/\">To learn more<\/a><\/div>\n<\/div>\n<\/div><\/div>\n\n<\/div>\n<\/article>\n\n<\/div>\n<\/article>\n<\/article>\n\n<\/li><li class=\"wp-block-post post-9919 cke_faqs type-cke_faqs status-publish hentry cke_assurances_tax-vehicule-recreatif cke_assurances_types-personal cke_assurances_types-vehicle cke_faq_types-vehicle-insurance cke_post_display-produit\">\n\n<article class=\"wp-block-group alignfull has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\"><article class=\"alignfull wp-block-cke-accordion-item is-layout-flow wp-block-cke-accordion-item-is-layout-flow\">\n\t<div class=\"acf-innerblocks-container\">\n\n<header class=\"align wp-block-cke-accordion-head is-layout-flow wp-block-cke-accordion-head-is-layout-flow\">\n\t<div class=\"wp-block-cke-accordion-head__ctn is-layout-flow\">\n\n<div class=\"wp-block-group has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-6ad0a06a wp-block-group-is-layout-constrained\"><h3 class=\"wp-block-post-title\">What insurance do I need to rent a recreational vehicle?<\/h3><\/div>\n\n<\/div>\n\t<div class=\"wp-block-cke-accordion-head_toggle\"><i class=\"fa-sharp fa-chevron-down\"><\/i><\/i><\/div>\n<\/header>\n\t\n\n<article class=\"align wp-block-cke-accordion-body is-layout-flow wp-block-cke-accordion-body-is-layout-flow\">\n\t<div class=\"wp-block-cke-accordion-body__ctn is-layout-flow\">\n\n<div class=\"wp-block-group has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-6ad0a06a wp-block-group-is-layout-constrained\"><div class=\"entry-content wp-block-post-content is-layout-flow wp-block-post-content-is-layout-flow\">\n<p class=\"wp-block-paragraph\">When renting a recreational vehicle, it is important to purchase insurance to protect yourself in the event of an accident or damage to your vehicle. Here are the types of insurance you should consider when renting a recreational vehicle: <\/p>\n\n<ul class=\"wp-block-list\">\n<li>Liability insurance<\/li>\n\n\n\n<li>Collision insurance<\/li>\n\n\n\n<li>Comprehensive insurance<\/li>\n\n\n\n<li>Supplementary liability insurance<\/li>\n\n\n\n<li>Bodily injury liability insurance<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">To choose the one that suits you best, we recommend that you consult your AMR insurance broker, who will be able to advise you.<\/p>\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/multi-risques.com\/trucs-et-conseils\/lassurance-pour-vehicules-recreatifs\/\">To learn more<\/a><\/div>\n<\/div>\n<\/div><\/div>\n\n<\/div>\n<\/article>\n\n<\/div>\n<\/article>\n<\/article>\n\n<\/li><li class=\"wp-block-post post-9918 cke_faqs type-cke_faqs status-publish hentry cke_assurances_tax-vehicule-recreatif cke_assurances_types-personal cke_assurances_types-vehicle cke_faq_types-vehicle-insurance cke_post_display-produit\">\n\n<article class=\"wp-block-group alignfull has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\"><article class=\"alignfull wp-block-cke-accordion-item is-layout-flow wp-block-cke-accordion-item-is-layout-flow\">\n\t<div class=\"acf-innerblocks-container\">\n\n<header class=\"align wp-block-cke-accordion-head is-layout-flow wp-block-cke-accordion-head-is-layout-flow\">\n\t<div class=\"wp-block-cke-accordion-head__ctn is-layout-flow\">\n\n<div class=\"wp-block-group has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-6ad0a06a wp-block-group-is-layout-constrained\"><h3 class=\"wp-block-post-title\">How do I insure a recreational vehicle outside of Quebec?<\/h3><\/div>\n\n<\/div>\n\t<div class=\"wp-block-cke-accordion-head_toggle\"><i class=\"fa-sharp fa-chevron-down\"><\/i><\/i><\/div>\n<\/header>\n\t\n\n<article class=\"align wp-block-cke-accordion-body is-layout-flow wp-block-cke-accordion-body-is-layout-flow\">\n\t<div class=\"wp-block-cke-accordion-body__ctn is-layout-flow\">\n\n<div class=\"wp-block-group has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-6ad0a06a wp-block-group-is-layout-constrained\"><div class=\"entry-content wp-block-post-content is-layout-flow wp-block-post-content-is-layout-flow\">\n<p class=\"wp-block-paragraph\">If you are a resident of Quebec and own a recreational vehicle that you wish to insure outside of Quebec, first contact your AMR insurance broker to find out if your current insurer offers coverage outside of Quebec. If so, and if it suits your needs, you can purchase it based on your broker&#8217;s recommendations. <\/p>\n\n<p class=\"wp-block-paragraph\">If your current insurer does not offer this type of coverage, your independent broker will research other insurance companies to find coverage that meets your needs at the best possible price.<\/p>\n<\/div><\/div>\n\n<\/div>\n<\/article>\n\n<\/div>\n<\/article>\n<\/article>\n\n<\/li><li class=\"wp-block-post post-9920 cke_faqs type-cke_faqs status-publish hentry cke_assurances_tax-vehicule-recreatif cke_assurances_types-personal cke_assurances_types-vehicle cke_faq_types-vehicle-insurance cke_post_display-produit\">\n\n<article class=\"wp-block-group alignfull has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\"><article class=\"alignfull wp-block-cke-accordion-item is-layout-flow wp-block-cke-accordion-item-is-layout-flow\">\n\t<div class=\"acf-innerblocks-container\">\n\n<header class=\"align wp-block-cke-accordion-head is-layout-flow wp-block-cke-accordion-head-is-layout-flow\">\n\t<div class=\"wp-block-cke-accordion-head__ctn is-layout-flow\">\n\n<div class=\"wp-block-group has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-6ad0a06a wp-block-group-is-layout-constrained\"><h3 class=\"wp-block-post-title\">Is recreational vehicle insurance mandatory?<\/h3><\/div>\n\n<\/div>\n\t<div class=\"wp-block-cke-accordion-head_toggle\"><i class=\"fa-sharp fa-chevron-down\"><\/i><\/i><\/div>\n<\/header>\n\t\n\n<article class=\"align wp-block-cke-accordion-body is-layout-flow wp-block-cke-accordion-body-is-layout-flow\">\n\t<div class=\"wp-block-cke-accordion-body__ctn is-layout-flow\">\n\n<div class=\"wp-block-group has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-6ad0a06a wp-block-group-is-layout-constrained\"><div class=\"entry-content wp-block-post-content is-layout-flow wp-block-post-content-is-layout-flow\">\n<p class=\"wp-block-paragraph\">In Quebec, recreational vehicle insurance is required by law. Recreational vehicle owners must therefore purchase liability insurance that covers damage that may be caused to other people or their property while driving their recreational vehicle on public roads. <\/p>\n\n<p class=\"wp-block-paragraph\">It is also recommended that you purchase collision or comprehensive insurance to cover damage to your own recreational vehicle in the event of an accident, theft, fire, or vandalism.<\/p>\n\n<p class=\"wp-block-paragraph\">Since insurance requirements may vary depending on the type of recreational vehicle you own and how you use it, we recommend that you check these terms and conditions with your AMR property and casualty insurance broker.<\/p>\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/multi-risques.com\/trucs-et-conseils\/lassurance-pour-vehicules-recreatifs\/\">To learn more<\/a><\/div>\n<\/div>\n<\/div><\/div>\n\n<\/div>\n<\/article>\n\n<\/div>\n<\/article>\n<\/article>\n\n<\/li><li class=\"wp-block-post post-9925 cke_faqs type-cke_faqs status-publish hentry cke_assurances_tax-moto cke_assurances_types-personal cke_assurances_types-vehicle cke_faq_types-vehicle-insurance cke_post_display-produit\">\n\n<article class=\"wp-block-group alignfull has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\"><article class=\"alignfull wp-block-cke-accordion-item is-layout-flow wp-block-cke-accordion-item-is-layout-flow\">\n\t<div class=\"acf-innerblocks-container\">\n\n<header class=\"align wp-block-cke-accordion-head is-layout-flow wp-block-cke-accordion-head-is-layout-flow\">\n\t<div class=\"wp-block-cke-accordion-head__ctn is-layout-flow\">\n\n<div class=\"wp-block-group has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-6ad0a06a wp-block-group-is-layout-constrained\"><h3 class=\"wp-block-post-title\">How can you suspend or cancel motorcycle insurance?<\/h3><\/div>\n\n<\/div>\n\t<div class=\"wp-block-cke-accordion-head_toggle\"><i class=\"fa-sharp fa-chevron-down\"><\/i><\/i><\/div>\n<\/header>\n\t\n\n<article class=\"align wp-block-cke-accordion-body is-layout-flow wp-block-cke-accordion-body-is-layout-flow\">\n\t<div class=\"wp-block-cke-accordion-body__ctn is-layout-flow\">\n\n<div class=\"wp-block-group has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-6ad0a06a wp-block-group-is-layout-constrained\"><div class=\"entry-content wp-block-post-content is-layout-flow wp-block-post-content-is-layout-flow\">\n<p class=\"wp-block-paragraph\">To cancel your motorcycle insurance policy, you can contact your AMR insurance broker, who will take care of the formalities with your current insurance company and, if necessary, find you a new insurer that better suits your needs or budget. <\/p>\n\n<p class=\"wp-block-paragraph\">To suspend your motorcycle insurance for the winter, you must check with your broker to see if you are eligible for the FAQ16 endorsement. Under this clause, some of the coverage related to the operation of your vehicle, such as third party liability and the collision section, will be suspended while your motorcycle is in storage. If this applies to your situation, you may receive a credit on your insurance premium.<\/p>\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/multi-risques.com\/trucs-et-conseils\/vehicule-a-remiser-prevenez-votre-assureur\/\">To learn more<\/a><\/div>\n<\/div>\n<\/div><\/div>\n\n<\/div>\n<\/article>\n\n<\/div>\n<\/article>\n<\/article>\n\n<\/li><li class=\"wp-block-post post-15996 cke_faqs type-cke_faqs status-publish hentry cke_assurances_tax-motoneige cke_assurances_types-personal cke_assurances_types-vehicle cke_faq_types-vehicle-insurance cke_post_display-produit\">\n\n<article class=\"wp-block-group alignfull has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\"><article class=\"alignfull wp-block-cke-accordion-item is-layout-flow wp-block-cke-accordion-item-is-layout-flow\">\n\t<div class=\"acf-innerblocks-container\">\n\n<header class=\"align wp-block-cke-accordion-head is-layout-flow wp-block-cke-accordion-head-is-layout-flow\">\n\t<div class=\"wp-block-cke-accordion-head__ctn is-layout-flow\">\n\n<div class=\"wp-block-group has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-6ad0a06a wp-block-group-is-layout-constrained\"><h3 class=\"wp-block-post-title\">Is snowmobile insurance mandatory?<\/h3><\/div>\n\n<\/div>\n\t<div class=\"wp-block-cke-accordion-head_toggle\"><i class=\"fa-sharp fa-chevron-down\"><\/i><\/i><\/div>\n<\/header>\n\t\n\n<article class=\"align wp-block-cke-accordion-body is-layout-flow wp-block-cke-accordion-body-is-layout-flow\">\n\t<div class=\"wp-block-cke-accordion-body__ctn is-layout-flow\">\n\n<div class=\"wp-block-group has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-6ad0a06a wp-block-group-is-layout-constrained\"><div class=\"entry-content wp-block-post-content is-layout-flow wp-block-post-content-is-layout-flow\">\n<p class=\"wp-block-paragraph\">L\u2019assurance motoneige est obligatoire au Qu\u00e9bec. Conform\u00e9ment \u00e0 la loi qu\u00e9b\u00e9coise sur les v\u00e9hicules hors route, tout propri\u00e9taire de motoneige doit avoir une assurance responsabilit\u00e9 civile d\u2019au moins 1\u2009000\u2009000\u00a0$ pour couvrir les dommages caus\u00e9s \u00e0 autrui en cas d\u2019accident. Cette assurance doit \u00eatre en vigueur en tout temps lors de l\u2019utilisation de la motoneige.<\/p>\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/multi-risques.com\/en\/tips-and-advice\/snowmobile-insurance-make-sure-youre-covered-this-winter\/\">To learn more<\/a><\/div>\n<\/div>\n<\/div><\/div>\n\n<\/div>\n<\/article>\n\n<\/div>\n<\/article>\n<\/article>\n\n<\/li><li class=\"wp-block-post post-16300 cke_faqs type-cke_faqs status-publish hentry cke_assurances_tax-motoneige cke_assurances_types-personal cke_assurances_types-vehicle cke_faq_types-vehicle-insurance cke_post_display-produit\">\n\n<article class=\"wp-block-group alignfull has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\"><article class=\"alignfull wp-block-cke-accordion-item is-layout-flow wp-block-cke-accordion-item-is-layout-flow\">\n\t<div class=\"acf-innerblocks-container\">\n\n<header class=\"align wp-block-cke-accordion-head is-layout-flow wp-block-cke-accordion-head-is-layout-flow\">\n\t<div class=\"wp-block-cke-accordion-head__ctn is-layout-flow\">\n\n<div class=\"wp-block-group has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-6ad0a06a wp-block-group-is-layout-constrained\"><h3 class=\"wp-block-post-title\">What is the minimum age to insure a snowmobile?<\/h3><\/div>\n\n<\/div>\n\t<div class=\"wp-block-cke-accordion-head_toggle\"><i class=\"fa-sharp fa-chevron-down\"><\/i><\/i><\/div>\n<\/header>\n\t\n\n<article class=\"align wp-block-cke-accordion-body is-layout-flow wp-block-cke-accordion-body-is-layout-flow\">\n\t<div class=\"wp-block-cke-accordion-body__ctn is-layout-flow\">\n\n<div class=\"wp-block-group has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-6ad0a06a wp-block-group-is-layout-constrained\"><div class=\"entry-content wp-block-post-content is-layout-flow wp-block-post-content-is-layout-flow\">\n<p class=\"wp-block-paragraph\">In Quebec, the minimum age to insure a snowmobile is 16. However, drivers under the age of 18 must obtain permission from their parents or guardians before purchasing snowmobile insurance. <\/p>\n\n<p class=\"wp-block-paragraph\">In addition, drivers under the age of 18 may be subject to restrictions on the power or engine size of the snowmobile they can drive. As these requirements may vary depending on the insurer, your AMR insurance broker will ensure that you meet them so that you are adequately protected. <\/p>\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/multi-risques.com\/en\/tips-and-advice\/insuring-your-snowmobile-or-atv-where-to-start\/\">To learn more<\/a><\/div>\n<\/div>\n<\/div><\/div>\n\n<\/div>\n<\/article>\n\n<\/div>\n<\/article>\n<\/article>\n\n<\/li><li class=\"wp-block-post post-9923 cke_faqs type-cke_faqs status-publish hentry cke_assurances_tax-motoneige cke_assurances_types-personal cke_assurances_types-vehicle cke_faq_types-vehicle-insurance cke_post_display-produit\">\n\n<article class=\"wp-block-group alignfull has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\"><article class=\"alignfull wp-block-cke-accordion-item is-layout-flow wp-block-cke-accordion-item-is-layout-flow\">\n\t<div class=\"acf-innerblocks-container\">\n\n<header class=\"align wp-block-cke-accordion-head is-layout-flow wp-block-cke-accordion-head-is-layout-flow\">\n\t<div class=\"wp-block-cke-accordion-head__ctn is-layout-flow\">\n\n<div class=\"wp-block-group has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-6ad0a06a wp-block-group-is-layout-constrained\"><h3 class=\"wp-block-post-title\">How do I insure a snowmobile?<\/h3><\/div>\n\n<\/div>\n\t<div class=\"wp-block-cke-accordion-head_toggle\"><i class=\"fa-sharp fa-chevron-down\"><\/i><\/i><\/div>\n<\/header>\n\t\n\n<article class=\"align wp-block-cke-accordion-body is-layout-flow wp-block-cke-accordion-body-is-layout-flow\">\n\t<div class=\"wp-block-cke-accordion-body__ctn is-layout-flow\">\n\n<div class=\"wp-block-group has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-6ad0a06a wp-block-group-is-layout-constrained\"><div class=\"entry-content wp-block-post-content is-layout-flow wp-block-post-content-is-layout-flow\">\n<p class=\"wp-block-paragraph\">To insure your snowmobile, you can contact an independent AMR insurance broker by calling 819-791-1791. The broker will assess your needs based on how you plan to use your snowmobile, then compare offers from different insurers to find the best coverage at the best price for you.  <\/p>\n\n<p class=\"wp-block-paragraph\">After that, you will of course need to pay your premium and obtain your proof of insurance, which you must keep with you at all times when riding your snowmobile.<\/p>\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/multi-risques.com\/trucs-et-conseils\/assurer-sa-motoneige-ou-son-vtt\/\">To learn more<\/a><\/div>\n<\/div>\n<\/div><\/div>\n\n<\/div>\n<\/article>\n\n<\/div>\n<\/article>\n<\/article>\n\n<\/li><li class=\"wp-block-post post-9926 cke_faqs type-cke_faqs status-publish hentry cke_assurances_tax-moto cke_assurances_types-personal cke_assurances_types-vehicle cke_faq_types-vehicle-insurance cke_post_display-produit\">\n\n<article class=\"wp-block-group alignfull has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\"><article class=\"alignfull wp-block-cke-accordion-item is-layout-flow wp-block-cke-accordion-item-is-layout-flow\">\n\t<div class=\"acf-innerblocks-container\">\n\n<header class=\"align wp-block-cke-accordion-head is-layout-flow wp-block-cke-accordion-head-is-layout-flow\">\n\t<div class=\"wp-block-cke-accordion-head__ctn is-layout-flow\">\n\n<div class=\"wp-block-group has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-6ad0a06a wp-block-group-is-layout-constrained\"><h3 class=\"wp-block-post-title\">Are we insured if someone tries out our motorcycle?<\/h3><\/div>\n\n<\/div>\n\t<div class=\"wp-block-cke-accordion-head_toggle\"><i class=\"fa-sharp fa-chevron-down\"><\/i><\/i><\/div>\n<\/header>\n\t\n\n<article class=\"align wp-block-cke-accordion-body is-layout-flow wp-block-cke-accordion-body-is-layout-flow\">\n\t<div class=\"wp-block-cke-accordion-body__ctn is-layout-flow\">\n\n<div class=\"wp-block-group has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-6ad0a06a wp-block-group-is-layout-constrained\"><div class=\"entry-content wp-block-post-content is-layout-flow wp-block-post-content-is-layout-flow\">\n<p class=\"wp-block-paragraph\">If someone with a valid driver&#8217;s license drives your motorcycle with your permission and is involved in an accident, <strong>most insurance policies<\/strong> will cover the damages up to your insurance limits.<\/p>\n\n<p class=\"wp-block-paragraph\">However, if someone is riding without your permission and gets into an accident, then your insurance coverage may be in question.<\/p>\n\n<p class=\"wp-block-paragraph\">We recommend that you check with your broker to see what your coverage would be in the event of such an incident.<\/p>\n<\/div><\/div>\n\n<\/div>\n<\/article>\n\n<\/div>\n<\/article>\n<\/article>\n\n<\/li><li class=\"wp-block-post post-9930 cke_faqs type-cke_faqs status-publish hentry cke_assurances_tax-auto cke_assurances_types-personal cke_assurances_types-vehicle cke_faq_types-vehicle-insurance cke_post_display-produit\">\n\n<article class=\"wp-block-group alignfull has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\"><article class=\"alignfull wp-block-cke-accordion-item is-layout-flow wp-block-cke-accordion-item-is-layout-flow\">\n\t<div class=\"acf-innerblocks-container\">\n\n<header class=\"align wp-block-cke-accordion-head is-layout-flow wp-block-cke-accordion-head-is-layout-flow\">\n\t<div class=\"wp-block-cke-accordion-head__ctn is-layout-flow\">\n\n<div class=\"wp-block-group has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-6ad0a06a wp-block-group-is-layout-constrained\"><h3 class=\"wp-block-post-title\">How does car insurance work?<\/h3><\/div>\n\n<\/div>\n\t<div class=\"wp-block-cke-accordion-head_toggle\"><i class=\"fa-sharp fa-chevron-down\"><\/i><\/i><\/div>\n<\/header>\n\t\n\n<article class=\"align wp-block-cke-accordion-body is-layout-flow wp-block-cke-accordion-body-is-layout-flow\">\n\t<div class=\"wp-block-cke-accordion-body__ctn is-layout-flow\">\n\n<div class=\"wp-block-group has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-6ad0a06a wp-block-group-is-layout-constrained\"><div class=\"entry-content wp-block-post-content is-layout-flow wp-block-post-content-is-layout-flow\">\n<p class=\"wp-block-paragraph\">To protect drivers financially in the event of car accidents, insurance companies assess the risks associated with each driver and their vehicle, then set rates based on those assessments.<\/p>\n\n<p class=\"wp-block-paragraph\">If an accident occurs, policyholders can file a claim with their insurance company (through their broker if applicable) and receive an amount to cover\u2014depending on the policy they have purchased\u2014property damage and bodily injury to the other party involved in the accident in the case of liability insurance (which is mandatory) or damage to both parties in the case of comprehensive insurance (which is optional).<\/p>\n<\/div><\/div>\n\n<\/div>\n<\/article>\n\n<\/div>\n<\/article>\n<\/article>\n\n<\/li><li class=\"wp-block-post post-9931 cke_faqs type-cke_faqs status-publish hentry cke_assurances_tax-auto cke_assurances_types-personal cke_assurances_types-vehicle cke_faq_types-vehicle-insurance cke_post_display-produit\">\n\n<article class=\"wp-block-group alignfull has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\"><article class=\"alignfull wp-block-cke-accordion-item is-layout-flow wp-block-cke-accordion-item-is-layout-flow\">\n\t<div class=\"acf-innerblocks-container\">\n\n<header class=\"align wp-block-cke-accordion-head is-layout-flow wp-block-cke-accordion-head-is-layout-flow\">\n\t<div class=\"wp-block-cke-accordion-head__ctn is-layout-flow\">\n\n<div class=\"wp-block-group has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-6ad0a06a wp-block-group-is-layout-constrained\"><h3 class=\"wp-block-post-title\">What is car insurance for?<\/h3><\/div>\n\n<\/div>\n\t<div class=\"wp-block-cke-accordion-head_toggle\"><i class=\"fa-sharp fa-chevron-down\"><\/i><\/i><\/div>\n<\/header>\n\t\n\n<article class=\"align wp-block-cke-accordion-body is-layout-flow wp-block-cke-accordion-body-is-layout-flow\">\n\t<div class=\"wp-block-cke-accordion-body__ctn is-layout-flow\">\n\n<div class=\"wp-block-group has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-6ad0a06a wp-block-group-is-layout-constrained\"><div class=\"entry-content wp-block-post-content is-layout-flow wp-block-post-content-is-layout-flow\">\n<p class=\"wp-block-paragraph\">Car insurance protects drivers against the financial risks associated with car accidents.<\/p>\n\n<p class=\"wp-block-paragraph\">In Quebec, car insurance has two components:<\/p>\n\n<ol class=\"wp-block-list\">\n<li>Chapter A (mandatory), or \u201cone-way\u201d insurance as people say, which covers third party liability, i.e. property damage caused to another person&#8217;s vehicle and bodily injury (which would not be covered by the SAAQ) caused to another person.<\/li>\n\n\n\n<li>Chapter B (optional), also nicknamed \u201ctwo-way insurance,&#8221; which covers damage to your own vehicle.<\/li>\n<\/ol>\n<\/div><\/div>\n\n<\/div>\n<\/article>\n\n<\/div>\n<\/article>\n<\/article>\n\n<\/li><li class=\"wp-block-post post-9929 cke_faqs type-cke_faqs status-publish hentry cke_assurances_tax-auto cke_assurances_types-personal cke_assurances_types-vehicle cke_faq_types-vehicle-insurance cke_post_display-produit\">\n\n<article class=\"wp-block-group alignfull has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\"><article class=\"alignfull wp-block-cke-accordion-item is-layout-flow wp-block-cke-accordion-item-is-layout-flow\">\n\t<div class=\"acf-innerblocks-container\">\n\n<header class=\"align wp-block-cke-accordion-head is-layout-flow wp-block-cke-accordion-head-is-layout-flow\">\n\t<div class=\"wp-block-cke-accordion-head__ctn is-layout-flow\">\n\n<div class=\"wp-block-group has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-6ad0a06a wp-block-group-is-layout-constrained\"><h3 class=\"wp-block-post-title\">How long should you keep your auto insurance documents?<\/h3><\/div>\n\n<\/div>\n\t<div class=\"wp-block-cke-accordion-head_toggle\"><i class=\"fa-sharp fa-chevron-down\"><\/i><\/i><\/div>\n<\/header>\n\t\n\n<article class=\"align wp-block-cke-accordion-body is-layout-flow wp-block-cke-accordion-body-is-layout-flow\">\n\t<div class=\"wp-block-cke-accordion-body__ctn is-layout-flow\">\n\n<div class=\"wp-block-group has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-6ad0a06a wp-block-group-is-layout-constrained\"><div class=\"entry-content wp-block-post-content is-layout-flow wp-block-post-content-is-layout-flow\">\n<p class=\"wp-block-paragraph\">You should keep your car insurance documents for at least one year after your policy expires. They may be useful in the event of a dispute or litigation with your insurance company or another party involved in an accident.<\/p>\n\n<p class=\"wp-block-paragraph\">Claim settlement documents should be kept for at least seven years, as some disputes can take several years to be settled.<\/p>\n\n<p class=\"wp-block-paragraph\">Please note, however, that requirements may vary by jurisdiction and insurance company, so be sure to ask your broker for recommendations that apply to your unique situation.<\/p>\n<\/div><\/div>\n\n<\/div>\n<\/article>\n\n<\/div>\n<\/article>\n<\/article>\n\n<\/li><li class=\"wp-block-post post-9936 cke_faqs type-cke_faqs status-publish hentry cke_assurances_tax-proprietaire-non-occuppant cke_assurances_types-personal cke_assurances_types-home cke_faq_types-home-insurance cke_post_display-produit\">\n\n<article class=\"wp-block-group alignfull has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\"><article class=\"alignfull wp-block-cke-accordion-item is-layout-flow wp-block-cke-accordion-item-is-layout-flow\">\n\t<div class=\"acf-innerblocks-container\">\n\n<header class=\"align wp-block-cke-accordion-head is-layout-flow wp-block-cke-accordion-head-is-layout-flow\">\n\t<div class=\"wp-block-cke-accordion-head__ctn is-layout-flow\">\n\n<div class=\"wp-block-group has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-6ad0a06a wp-block-group-is-layout-constrained\"><h3 class=\"wp-block-post-title\">Is non-occupant owners insurance mandatory?<\/h3><\/div>\n\n<\/div>\n\t<div class=\"wp-block-cke-accordion-head_toggle\"><i class=\"fa-sharp fa-chevron-down\"><\/i><\/i><\/div>\n<\/header>\n\t\n\n<article class=\"align wp-block-cke-accordion-body is-layout-flow wp-block-cke-accordion-body-is-layout-flow\">\n\t<div class=\"wp-block-cke-accordion-body__ctn is-layout-flow\">\n\n<div class=\"wp-block-group has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-6ad0a06a wp-block-group-is-layout-constrained\"><div class=\"entry-content wp-block-post-content is-layout-flow wp-block-post-content-is-layout-flow\">\n<p class=\"wp-block-paragraph\">Although it is strongly recommended in order to protect you financially, non-occupant owners insurance is not required by law.<\/p>\n\n<p class=\"wp-block-paragraph\">However, if you have a mortgage, the lending bank may require you to purchase home insurance to protect their investment. And if you live in a condominium or subdivision, this type of insurance may be required by applicable rules and regulations.<\/p>\n<\/div><\/div>\n\n<\/div>\n<\/article>\n\n<\/div>\n<\/article>\n<\/article>\n\n<\/li><li class=\"wp-block-post post-9934 cke_faqs type-cke_faqs status-publish hentry cke_assurances_tax-locataire cke_assurances_types-personal cke_assurances_types-home cke_faq_types-home-insurance cke_post_display-produit\">\n\n<article class=\"wp-block-group alignfull has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\"><article class=\"alignfull wp-block-cke-accordion-item is-layout-flow wp-block-cke-accordion-item-is-layout-flow\">\n\t<div class=\"acf-innerblocks-container\">\n\n<header class=\"align wp-block-cke-accordion-head is-layout-flow wp-block-cke-accordion-head-is-layout-flow\">\n\t<div class=\"wp-block-cke-accordion-head__ctn is-layout-flow\">\n\n<div class=\"wp-block-group has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-6ad0a06a wp-block-group-is-layout-constrained\"><h3 class=\"wp-block-post-title\">What documents are needed to purchase tenant insurance?<\/h3><\/div>\n\n<\/div>\n\t<div class=\"wp-block-cke-accordion-head_toggle\"><i class=\"fa-sharp fa-chevron-down\"><\/i><\/i><\/div>\n<\/header>\n\t\n\n<article class=\"align wp-block-cke-accordion-body is-layout-flow wp-block-cke-accordion-body-is-layout-flow\">\n\t<div class=\"wp-block-cke-accordion-body__ctn is-layout-flow\">\n\n<div class=\"wp-block-group has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-6ad0a06a wp-block-group-is-layout-constrained\"><div class=\"entry-content wp-block-post-content is-layout-flow wp-block-post-content-is-layout-flow\">\n<p class=\"wp-block-paragraph\">Here are the documents and information you may be asked to provide to purchase tenant insurance:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>Your personal information (name, address, phone number, date of birth)<\/li>\n\n\n\n<li>Information about the property to be insured (address, size of property, type of property, value of property to be insured)<\/li>\n\n\n\n<li>Details about security measures in the residence (such as the presence of smoke detectors and burglar alarms)<\/li>\n\n\n\n<li>Information about any prior losses, including past claims<\/li>\n\n\n\n<li>Information on payment method<\/li>\n\n\n\n<li>Proof of tenancy (lease)<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">The documents you must provide can vary from insurer to insurer. Your insurance broker will be able to guide you through this process.<\/p>\n<\/div><\/div>\n\n<\/div>\n<\/article>\n\n<\/div>\n<\/article>\n<\/article>\n\n<\/li><li class=\"wp-block-post post-9935 cke_faqs type-cke_faqs status-publish hentry cke_assurances_tax-locataire cke_assurances_types-personal cke_assurances_types-home cke_faq_types-home-insurance cke_post_display-produit\">\n\n<article class=\"wp-block-group alignfull has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\"><article class=\"alignfull wp-block-cke-accordion-item is-layout-flow wp-block-cke-accordion-item-is-layout-flow\">\n\t<div class=\"acf-innerblocks-container\">\n\n<header class=\"align wp-block-cke-accordion-head is-layout-flow wp-block-cke-accordion-head-is-layout-flow\">\n\t<div class=\"wp-block-cke-accordion-head__ctn is-layout-flow\">\n\n<div class=\"wp-block-group has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-6ad0a06a wp-block-group-is-layout-constrained\"><h3 class=\"wp-block-post-title\">Can a landlord require a tenant to purchase tenant insurance?<\/h3><\/div>\n\n<\/div>\n\t<div class=\"wp-block-cke-accordion-head_toggle\"><i class=\"fa-sharp fa-chevron-down\"><\/i><\/i><\/div>\n<\/header>\n\t\n\n<article class=\"align wp-block-cke-accordion-body is-layout-flow wp-block-cke-accordion-body-is-layout-flow\">\n\t<div class=\"wp-block-cke-accordion-body__ctn is-layout-flow\">\n\n<div class=\"wp-block-group has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-6ad0a06a wp-block-group-is-layout-constrained\"><div class=\"entry-content wp-block-post-content is-layout-flow wp-block-post-content-is-layout-flow\">\n<p class=\"wp-block-paragraph\">L\u2019assurance locataire n\u2019est pas obligatoire, mais les propri\u00e9taires peuvent exiger que le locataire y souscrive pour signer le contrat de location. Celle-ci prot\u00e8ge aussi bien les locataires, c\u2019est-\u00e0-dire leurs biens personnels et leur responsabilit\u00e9 civile, que le propri\u00e9taire en cas de sinistre ou de dommages caus\u00e9s par le locataire.<\/p>\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/multi-risques.com\/en\/tips-and-advice\/home-insurance-and-civil-liability\/\">To learn more<\/a><\/div>\n<\/div>\n<\/div><\/div>\n\n<\/div>\n<\/article>\n\n<\/div>\n<\/article>\n<\/article>\n\n<\/li><li class=\"wp-block-post post-9933 cke_faqs type-cke_faqs status-publish hentry cke_assurances_tax-locataire cke_assurances_types-personal cke_assurances_types-home cke_faq_types-home-insurance cke_post_display-produit\">\n\n<article class=\"wp-block-group alignfull has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\"><article class=\"alignfull wp-block-cke-accordion-item is-layout-flow wp-block-cke-accordion-item-is-layout-flow\">\n\t<div class=\"acf-innerblocks-container\">\n\n<header class=\"align wp-block-cke-accordion-head is-layout-flow wp-block-cke-accordion-head-is-layout-flow\">\n\t<div class=\"wp-block-cke-accordion-head__ctn is-layout-flow\">\n\n<div class=\"wp-block-group has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-6ad0a06a wp-block-group-is-layout-constrained\"><h3 class=\"wp-block-post-title\">Do all roommates have to have tenant insurance?<\/h3><\/div>\n\n<\/div>\n\t<div class=\"wp-block-cke-accordion-head_toggle\"><i class=\"fa-sharp fa-chevron-down\"><\/i><\/i><\/div>\n<\/header>\n\t\n\n<article class=\"align wp-block-cke-accordion-body is-layout-flow wp-block-cke-accordion-body-is-layout-flow\">\n\t<div class=\"wp-block-cke-accordion-body__ctn is-layout-flow\">\n\n<div class=\"wp-block-group has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-6ad0a06a wp-block-group-is-layout-constrained\"><div class=\"entry-content wp-block-post-content is-layout-flow wp-block-post-content-is-layout-flow\">\n<p class=\"wp-block-paragraph\">While it is recommended to ensure adequate protection of personal property and liabilities, it is not required.<\/p>\n\n<p class=\"wp-block-paragraph\">In a shared tenancy, each roommate benefit from having an individual insurance policy to cover their own property and liability.<\/p>\n\n<p class=\"wp-block-paragraph\">For example, if a roommate is responsible for damage to common property, such as shared furniture or equipment, that individual\u2019s liability insurance could cover the cost of repair or replacement.<\/p>\n<\/div><\/div>\n\n<\/div>\n<\/article>\n\n<\/div>\n<\/article>\n<\/article>\n\n<\/li><li class=\"wp-block-post post-9940 cke_faqs type-cke_faqs status-publish hentry cke_assurances_tax-coproprietaire cke_assurances_types-personal cke_assurances_types-home cke_faq_types-home-insurance cke_post_display-produit\">\n\n<article class=\"wp-block-group alignfull has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\"><article class=\"alignfull wp-block-cke-accordion-item is-layout-flow wp-block-cke-accordion-item-is-layout-flow\">\n\t<div class=\"acf-innerblocks-container\">\n\n<header class=\"align wp-block-cke-accordion-head is-layout-flow wp-block-cke-accordion-head-is-layout-flow\">\n\t<div class=\"wp-block-cke-accordion-head__ctn is-layout-flow\">\n\n<div class=\"wp-block-group has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-6ad0a06a wp-block-group-is-layout-constrained\"><h3 class=\"wp-block-post-title\">Is condo insurance mandatory?<\/h3><\/div>\n\n<\/div>\n\t<div class=\"wp-block-cke-accordion-head_toggle\"><i class=\"fa-sharp fa-chevron-down\"><\/i><\/i><\/div>\n<\/header>\n\t\n\n<article class=\"align wp-block-cke-accordion-body is-layout-flow wp-block-cke-accordion-body-is-layout-flow\">\n\t<div class=\"wp-block-cke-accordion-body__ctn is-layout-flow\">\n\n<div class=\"wp-block-group has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-6ad0a06a wp-block-group-is-layout-constrained\"><div class=\"entry-content wp-block-post-content is-layout-flow wp-block-post-content-is-layout-flow\">\n<p class=\"wp-block-paragraph\">In Quebec, if you are a co-owner, you are required by law to at least have liability insurance to protect you in case of legal proceedings resulting from an accident in common areas. This insurance must be $1 million for condominiums of 12 units or fewer and $2 million for those with more units. The condo association may also require owners to carry condo insurance to protect common areas and to cover potential damage to the building&#8217;s structure. Mortgage lenders may also require condo insurance to protect their investment.<\/p>\n<\/div><\/div>\n\n<\/div>\n<\/article>\n\n<\/div>\n<\/article>\n<\/article>\n\n<\/li><li class=\"wp-block-post post-9939 cke_faqs type-cke_faqs status-publish hentry cke_assurances_tax-coproprietaire cke_assurances_types-personal cke_assurances_types-home cke_faq_types-home-insurance cke_post_display-produit\">\n\n<article class=\"wp-block-group alignfull has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\"><article class=\"alignfull wp-block-cke-accordion-item is-layout-flow wp-block-cke-accordion-item-is-layout-flow\">\n\t<div class=\"acf-innerblocks-container\">\n\n<header class=\"align wp-block-cke-accordion-head is-layout-flow wp-block-cke-accordion-head-is-layout-flow\">\n\t<div class=\"wp-block-cke-accordion-head__ctn is-layout-flow\">\n\n<div class=\"wp-block-group has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-6ad0a06a wp-block-group-is-layout-constrained\"><h3 class=\"wp-block-post-title\">What are the differences in insurance coverage for divided and undivided condominiums?<\/h3><\/div>\n\n<\/div>\n\t<div class=\"wp-block-cke-accordion-head_toggle\"><i class=\"fa-sharp fa-chevron-down\"><\/i><\/i><\/div>\n<\/header>\n\t\n\n<article class=\"align wp-block-cke-accordion-body is-layout-flow wp-block-cke-accordion-body-is-layout-flow\">\n\t<div class=\"wp-block-cke-accordion-body__ctn is-layout-flow\">\n\n<div class=\"wp-block-group has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-6ad0a06a wp-block-group-is-layout-constrained\"><div class=\"entry-content wp-block-post-content is-layout-flow wp-block-post-content-is-layout-flow\">\n<p class=\"wp-block-paragraph\">On the one hand, in a divided condominium, each co-owner owns a private unit and a share of the common areas. Each co-owner is therefore responsible for purchasing insurance and paying the premium for their own unit, and the condominium association is responsible for covering the common areas. In the event of a claim, each co-owner is compensated in accordance with the coverage they have purchased for their private portion and the condominium association is compensated for damages caused to the common areas.<\/p>\n\n<p class=\"wp-block-paragraph\">On the other hand, in an undivided condominium, each co-owner holds a percentage of an entire building. The co-owners are therefore jointly responsible for insuring the building and the insurance premium is divided among them based on their undivided share. In the event of a claim, each co-owner is compensated based on their undivided share in the building.<\/p>\n<\/div><\/div>\n\n<\/div>\n<\/article>\n\n<\/div>\n<\/article>\n<\/article>\n\n<\/li><li class=\"wp-block-post post-9910 cke_faqs type-cke_faqs status-publish hentry cke_assurances_types-personal cke_assurances_types-home cke_assurances_types-vehicle cke_faq_types-home-insurance cke_faq_types-vehicle-insurance cke_post_display-page-habitation cke_post_display-produit\">\n\n<article class=\"wp-block-group alignfull has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\"><article class=\"alignfull wp-block-cke-accordion-item is-layout-flow wp-block-cke-accordion-item-is-layout-flow\">\n\t<div class=\"acf-innerblocks-container\">\n\n<header class=\"align wp-block-cke-accordion-head is-layout-flow wp-block-cke-accordion-head-is-layout-flow\">\n\t<div class=\"wp-block-cke-accordion-head__ctn is-layout-flow\">\n\n<div class=\"wp-block-group has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-6ad0a06a wp-block-group-is-layout-constrained\"><h3 class=\"wp-block-post-title\">How do I report a claim to my insurer and file a claim?<\/h3><\/div>\n\n<\/div>\n\t<div class=\"wp-block-cke-accordion-head_toggle\"><i class=\"fa-sharp fa-chevron-down\"><\/i><\/i><\/div>\n<\/header>\n\t\n\n<article class=\"align wp-block-cke-accordion-body is-layout-flow wp-block-cke-accordion-body-is-layout-flow\">\n\t<div class=\"wp-block-cke-accordion-body__ctn is-layout-flow\">\n\n<div class=\"wp-block-group has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-6ad0a06a wp-block-group-is-layout-constrained\"><div class=\"entry-content wp-block-post-content is-layout-flow wp-block-post-content-is-layout-flow\">\n<p class=\"wp-block-paragraph\">En cas de sinistre, vous devez contacter rapidement votre assureur ou votre courtier AMR qui prendra en charge les communications et les d\u00e9marches avec votre compagnie d\u2019assurance.\u00a0<\/p>\n\n<p class=\"wp-block-paragraph\">Pour bien traiter votre r\u00e9clamation et r\u00e9duire les d\u00e9lais de traitement, votre assureur aura besoin de renseignements d\u00e9taill\u00e9s\u00a0:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>Expliquez les circonstances du sinistre\u2009(date, lieu, heure, personnes impliqu\u00e9es, etc.)\u2009;<\/li>\n\n\n\n<li>Faites une liste des biens endommag\u00e9s ou vol\u00e9s\u2009;<\/li>\n\n\n\n<li>Rassemblez tous les documents utiles (photos, re\u00e7us, factures, rapport de police, etc.)<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">Vous devrez ensuite suivre les instructions de votre compagnie d\u2019assurance, donn\u00e9es par l\u2019entremise de votre courtier, pour l\u2019\u00e9valuation des dommages, les r\u00e9parations et les remboursements. Il sera aussi important de conserver une trace de tous les documents et communications li\u00e9s \u00e0 votre r\u00e9clamation.\u00a0<\/p>\n\n<p class=\"wp-block-paragraph\">AMR a une ligne d\u2019urgence disponible 24h \/ 24 et 7 jours \/ 7.<\/p>\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/multi-risques.com\/en\/tips-and-advice\/how-to-make-an-insurance-claim\/\">En savoir plus sur les r\u00e9clamations<\/a><\/div>\n<\/div>\n<\/div><\/div>\n\n<\/div>\n<\/article>\n\n<\/div>\n<\/article>\n<\/article>\n\n<\/li><\/ul>\n\n<\/section>\n<\/section>\n","protected":false},"excerpt":{"rendered":"Clear and concise information to help you better understand our insurance products, services, and processes.","protected":false},"author":1,"featured_media":9561,"parent":0,"menu_order":99,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"cke_assurances_tax":[],"cke_assurances_types":[],"cke_post_display":[],"class_list":["post-9894","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"mb":[],"mfb_rest_fields":["title"],"_links":{"self":[{"href":"https:\/\/multi-risques.com\/en\/wp-json\/wp\/v2\/pages\/9894","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/multi-risques.com\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/multi-risques.com\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/multi-risques.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/multi-risques.com\/en\/wp-json\/wp\/v2\/comments?post=9894"}],"version-history":[{"count":0,"href":"https:\/\/multi-risques.com\/en\/wp-json\/wp\/v2\/pages\/9894\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/multi-risques.com\/en\/wp-json\/wp\/v2\/media\/9561"}],"wp:attachment":[{"href":"https:\/\/multi-risques.com\/en\/wp-json\/wp\/v2\/media?parent=9894"}],"wp:term":[{"taxonomy":"cke_assurances_tax","embeddable":true,"href":"https:\/\/multi-risques.com\/en\/wp-json\/wp\/v2\/cke_assurances_tax?post=9894"},{"taxonomy":"cke_assurances_types","embeddable":true,"href":"https:\/\/multi-risques.com\/en\/wp-json\/wp\/v2\/cke_assurances_types?post=9894"},{"taxonomy":"cke_post_display","embeddable":true,"href":"https:\/\/multi-risques.com\/en\/wp-json\/wp\/v2\/cke_post_display?post=9894"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}