{"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":"2026-07-16T14:46:29","modified_gmt":"2026-07-16T18:46:29","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-2e6ae583579347db3af443d927bc51ed is-style-small-mark--3\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vert-color\">Insurance for individuals<\/mark>General questions<\/h2>\n<\/header>\n\n\n\n<section class=\"wp-block-query alignwide accordeons is-layout-flow wp-block-query-is-layout-flow\"><ul class=\"accordeons wp-block-post-template is-layout-flow wp-block-post-template-is-layout-flow\"><li class=\"wp-block-post post-18157 cke_faqs type-cke_faqs status-publish hentry cke_assurances_types-personal cke_assurances_types-home cke_assurances_types-vehicle cke_faq_types-general-questions\">\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 business with an independent insurance broker?<\/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\">Unlike insurance agents, an <a href=\"https:\/\/multi-risques.com\/en\/tips-and-advice\/work-with-an-independent-insurance-broker\/\">independent insurance broker<\/a> works for you rather than for an insurance company. They are therefore impartial and act solely in your best interests. They can offer you personalised advice and, as they work with several insurers, they can help you find the best cover at the best price.  <\/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\/about-amr\/why-amr\/\">Why choose AMR<\/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-18158 cke_faqs type-cke_faqs status-publish hentry cke_assurances_tax-proprietaire cke_assurances_tax-auto cke_assurances_types-personal cke_assurances_types-home cke_assurances_types-vehicle cke_faq_types-general-questions cke_post_display-page-habitation 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\">Is it worth combining car and 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\">Yes, it is generally worth combining your car and home insurance. Many insurers offer substantial discounts if you take out both policies with them. This also makes it easier to manage your policies and simplifies the claims process if an incident causes damage to both your car and your home.  <\/p>\n\n<p class=\"wp-block-paragraph\">However, this is not necessarily always the case. Certain specific situations \u2013 for example, insuring a century-old house or if you have a poor driving record \u2013 may mean that it is more cost-effective to take out specialist insurance rather than pay a higher premium with a standard insurer. <\/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-18159 cke_faqs type-cke_faqs status-publish hentry cke_assurances_types-personal cke_assurances_types-home cke_assurances_types-vehicle cke_faq_types-general-questions\">\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 difference between civil liability insurance and comprehensive 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\"><a href=\"https:\/\/multi-risques.com\/en\/tips-and-advice\/what-is-the-difference-between-comprehensive-auto-insurance-and-civil-liability\/\">Civil liability car insurance<\/a> is mandatory in Quebec. It protects you in the event of damage caused to third parties, but does not cover damage to your own vehicle. Comprehensive insurance is an optional form of cover available in several options, which allows you to be compensated if your vehicle is damaged in an accident.  <\/p>\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/multi-risques.com\/en\/tips-and-advice\/home-insurance-and-civil-liability\/\">Civil liability is included in your home insurance policy<\/a>. This coverage allows you to repair damage you have unintentionally caused to others, but it does not cover the damage you suffer. It follows you all over the world and also covers members of your family living under the same roof.  <\/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-18160 cke_faqs type-cke_faqs status-publish hentry cke_assurances_types-personal cke_assurances_types-home cke_assurances_types-vehicle cke_faq_types-general-questions\">\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 a deductible and how does it 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\">In insurance, a deductible is the predetermined amount you have to pay out of your own pocket when making a claim. The insurer deducts this amount from the total cost of the damage. It helps to balance the risk and reduce your premiums: the higher the deductible you choose, the cheaper your insurance will be.  <\/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-18161 cke_faqs type-cke_faqs status-publish hentry cke_assurances_types-personal cke_assurances_types-home cke_assurances_types-vehicle cke_faq_types-general-questions\">\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 you ask so many questions when I\u2019m applying for insurance, renewing a policy, or calling to make a change to 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\">Our insurance brokers ask a lot of questions to properly analyze your situation, accurately assess the risks, find the best protection for you and determine a fair premium based on your profile.<\/p>\n\n<p class=\"wp-block-paragraph\">Asking questions when applying for a quote, renewing or changing your insurance policy ensures that your file is kept up to date with all the correct information. This can prevent unpleasant surprises later, as an insurer could refuse to compensate you if an undisclosed factor makes you ineligible for cover. <\/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-15702 cke_faqs type-cke_faqs status-publish hentry cke_assurances_tax-proprietaire cke_assurances_types-personal cke_assurances_types-home cke_faq_types-general-questions 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\/en\/tips-and-advice\/frequent-claims\/\">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-9912 cke_faqs type-cke_faqs status-publish hentry cke_assurances_types-personal cke_assurances_types-home cke_assurances_types-vehicle cke_faq_types-general-questions\">\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 insurance policy 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\">Although insurance policies are usually for a term of one year, it is generally possible to cancel your policy at any time. However, some insurance companies may charge a cancellation fee or require you to give notice, if this is stipulated in your policy.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">To cancel your insurance policy, you can contact your AMR insurance broker, who will handle the necessary arrangements with your current insurance company. You may also be required to pay certain cancellation fees or penalties.<\/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\/can-an-insurance-contract-be-terminated\/\">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-9910 cke_faqs type-cke_faqs status-publish hentry cke_assurances_tax-proprietaire cke_assurances_types-personal cke_assurances_types-home cke_assurances_types-vehicle cke_faq_types-general-questions 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 loss 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 In the event of a claim, you should contact your insurer or your AMR broker as soon as possible; they will handle all communications and procedures with your insurance company.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">To ensure your claim is handled properly and to minimise processing times, your insurer will need detailed information:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Explain the circumstances of the incident (date, place, time, people involved, etc.);<\/li>\n\n\n\n<li>Make a list of the damaged or stolen items;<\/li>\n\n\n\n<li>Gather all relevant documents (photos, receipts, invoices, police report, etc.)<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">You will then need to follow the instructions provided by your insurance company, via your broker, regarding damage assessment, repairs and reimbursements. It is also important to keep a record of all documents and correspondence relating to your claim.<\/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\/how-to-make-an-insurance-claim\/\">Learn more<\/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\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-2d48a096b58551eb5c14e39b92f6df02 is-style-small-mark--4\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vert-color\">Personal insurance<\/mark>Home insurance<\/h2>\n\n\n\n<h3 class=\"wp-block-heading has-white-color has-text-color has-link-color wp-elements-406085160b7524241f69e619bfed354b\">General questions<\/h3>\n<\/header>\n\n\n\n<section class=\"wp-block-query alignwide accordeons is-layout-flow wp-block-query-is-layout-flow\"><ul class=\"accordeons wp-block-post-template is-layout-flow wp-block-post-template-is-layout-flow\"><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_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-18164 cke_faqs type-cke_faqs status-publish hentry cke_assurances_tax-proprietaire cke_assurances_tax-residence-secondaire-et-residence-saisonniere cke_assurances_tax-locataire cke_assurances_tax-coproprietaire 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\">What does home insurance cover?<\/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\">Home insurance protects your home and personal property against various risks. This generally includes:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/multi-risques.com\/en\/tips-and-advice\/home-insurance-and-civil-liability\/\">civil liability;<\/a><\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>theft;<\/li>\n\n\n\n<li>vandalism\u2009;<\/li>\n\n\n\n<li>fire\u2009;<\/li>\n\n\n\n<li>wing\u2009; <\/li>\n\n\n\n<li>ice;<\/li>\n\n\n\n<li>hail. <\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">However, there may be several differences from one insurer to another, and it\u2019s important to carefully check what is included and excluded in your insurance policy. <\/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\/what-is-not-covered-by-my-home-insurance\/\">Learn more about exclusions<\/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-18165 cke_faqs type-cke_faqs status-publish hentry cke_assurances_tax-proprietaire cke_assurances_tax-residence-secondaire-et-residence-saisonniere cke_assurances_tax-locataire cke_assurances_tax-proprietaire-non-occuppant cke_assurances_tax-coproprietaire 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 water damage covered by my 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\">Not all water damage is covered by your home insurance. Basic coverage generally covers only damage caused by water originating from inside the home. This may include, for example, overflowing plumbing fixtures (washing machine, toilet, water heater, dishwasher, etc.) or a broken water supply line.  <\/p>\n\n<p class=\"wp-block-paragraph\">Damage caused by a water heater is generally covered by insurance companies, under certain conditions. Your appliance must be no more than 10 or 12 years old and in good working condition. <\/p>\n\n<p class=\"wp-block-paragraph\">For floods, sewer backups, and water leaks through the roof, you\u2019ll need to add optional riders to your home insurance policy.<\/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\/es-tu-bien-couvert-contre-les-degats-deau\/\">Learn more about water damage<\/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-18166 cke_faqs type-cke_faqs status-publish hentry cke_assurances_tax-residence-de-prestige 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\">Are my personal belongings covered outside the home?<\/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\">Yes, most home insurance policies in Quebec cover your personal property outside the home, including when you\u2019re traveling. However, this coverage is subject to certain conditions and limits. It applies in the event of theft or accidental damage, but rarely covers the simple loss of an item.<\/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\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\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. If necessary, your insurance broker will be able to advise you on the recommended retention period.<\/p>\n<\/div><\/div>\n\n<\/div>\n<\/article>\n\n<\/div>\n<\/article>\n<\/article>\n\n<\/li><\/ul>\n\n<\/section>\n\n\n\n<header class=\"wp-block-group alignwide has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-6a68c5df wp-block-group-is-layout-constrained\" style=\"padding-top:var(--wp--preset--spacing--4)\">\n<h3 class=\"wp-block-heading has-white-color has-text-color has-link-color wp-elements-c16954a3510d1aa55080fca4eedd34f6\"><a href=\"https:\/\/multi-risques.com\/en\/personal\/home\/co-owner\/\">Co-Owner<\/a><\/h3>\n<\/header>\n\n\n\n<section class=\"wp-block-query alignwide accordeons is-layout-flow wp-block-query-is-layout-flow\"><ul class=\"accordeons wp-block-post-template is-layout-flow wp-block-post-template-is-layout-flow\"><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-co-owner-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-18177 cke_faqs type-cke_faqs status-publish hentry cke_assurances_tax-coproprietaire cke_assurances_types-personal cke_assurances_types-home cke_faq_types-co-owner-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 does the condominium association\u2019s insurance cover?<\/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 condominium association\u2019s insurance protects the building and common areas (corridors, roof, garage) against major risks such as fire, theft, vandalism or water damage. <\/p>\n\n<p class=\"wp-block-paragraph\">It also includes third-party liability cover and protects the association if someone is injured in the shared areas or if the block causes damage to a third party (e.g. a roof tile falling from the roof).<\/p>\n\n<p class=\"wp-block-paragraph\">However, you are required to take out individual <a href=\"https:\/\/multi-risques.com\/en\/personal\/home\/co-owner\/\">co-owner insurance<\/a> to cover improvements to your flat, your personal belongings and your personal third-party liability within your unit.<\/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-co-owner-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><\/ul>\n\n<\/section>\n\n\n\n<header class=\"wp-block-group alignwide has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-6a68c5df wp-block-group-is-layout-constrained\" style=\"padding-top:var(--wp--preset--spacing--4)\">\n<h3 class=\"wp-block-heading has-white-color has-text-color has-link-color wp-elements-bbcd84e10eaac5b4756936fa7d74658f\"><a href=\"https:\/\/multi-risques.com\/en\/personal\/home\/tenant\/\">Tenant<\/a><\/h3>\n<\/header>\n\n\n\n<section class=\"wp-block-query alignwide accordeons is-layout-flow wp-block-query-is-layout-flow\"><ul class=\"accordeons wp-block-post-template is-layout-flow wp-block-post-template-is-layout-flow\"><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-tenant-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\/apartment-insurance-essential-coverage\/\">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-18176 cke_faqs type-cke_faqs status-publish hentry cke_assurances_tax-locataire cke_assurances_types-personal cke_assurances_types-home cke_faq_types-tenant-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\">Why should I take out cover for water damage from groundwater, sewer backup and overflowing watercourses, when my flat is on the 3rd floor?<\/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 you\u2019re on the third floor, taking out this cover is essential. These incidents can occur on upper floors and cause extensive damage that your basic insurance does not cover. Indeed, a sewer backflow can cause your toilets or sinks to overflow, regardless of which floor you\u2019re on. Similarly, during heavy rain or rapid snowmelt, water can accumulate, saturate the ground and seep in through the roof, balconies or external walls.   <\/p>\n<\/div><\/div>\n\n<\/div>\n<\/article>\n\n<\/div>\n<\/article>\n<\/article>\n\n<\/li><\/ul>\n\n<\/section>\n\n\n\n<header class=\"wp-block-group alignwide has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-6a68c5df wp-block-group-is-layout-constrained\" style=\"padding-top:var(--wp--preset--spacing--4)\">\n<h3 class=\"wp-block-heading has-white-color has-text-color has-link-color wp-elements-bbcd84e10eaac5b4756936fa7d74658f\"><a href=\"https:\/\/multi-risques.com\/en\/personal\/home\/tenant\/\">Tenant<\/a><\/h3>\n<\/header>\n\n\n\n<section class=\"wp-block-query alignwide accordeons is-layout-flow wp-block-query-is-layout-flow\"><ul class=\"accordeons wp-block-post-template is-layout-flow wp-block-post-template-is-layout-flow\"><li class=\"wp-block-post post-18167 cke_faqs type-cke_faqs status-publish hentry cke_assurances_tax-residence-de-prestige cke_assurances_types-personal cke_assurances_types-home cke_faq_types-luxury-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 distinguishes a prestige home insurance policy from a standard one?<\/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\">A so-called \u2018high-value\u2019 home insurance policy offers optimal protection, exclusive cover and premium services that go beyond basic cover. Generally, a property may be considered high-value if:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>It has a high replacement value;<\/li>\n\n\n\n<li>It stands out for its architecture, high-end materials or size;<\/li>\n\n\n\n<li>It contains items of very high value (works of art, collections, jewellery, wine cellar).<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">This type of insurance ensures that your property is protected in line with its value and offers cover that is truly tailored to your standard of living.<\/p>\n\n<p class=\"wp-block-paragraph\">To find out if <a href=\"https:\/\/multi-risques.com\/en\/tips-and-advice\/prestige-home-insurance-and-luxury-goods\/\">luxury home insurance<\/a> is right for you, contact one of our brokers for a personalized assessment of your needs.<\/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\/luxury-home-insurance-is-this-the-coverage-you-need\/\">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-18168 cke_faqs type-cke_faqs status-publish hentry cke_assurances_tax-residence-de-prestige cke_assurances_types-personal cke_assurances_types-home cke_faq_types-luxury-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 can you insure high-value items?<\/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\">High-value items are often subject to specific limitations in your insurance policy. These relate to the maximum amount of compensation that will be paid out in the event of a claim for certain personal belongings. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">To ensure your high-value possessions (jewellery, watches, works of art, etc.) are properly protected, you can: <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Upgrade your home insurance with a high-value possessions policy<\/li>\n\n\n\n<li>Opt for a specific insurance policy that covers the possessions you wish to protect<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">We recommend that you contact our insurance brokers to find the best cover for your situation. <\/p>\n<\/div><\/div>\n\n<\/div>\n<\/article>\n\n<\/div>\n<\/article>\n<\/article>\n\n<\/li><\/ul>\n\n<\/section>\n\n\n\n<header class=\"wp-block-group alignwide has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-6a68c5df wp-block-group-is-layout-constrained\" style=\"padding-top:var(--wp--preset--spacing--4)\">\n<h3 class=\"wp-block-heading has-white-color has-text-color has-link-color wp-elements-17626c24b229ce586bee46e2ed04657f\"><a href=\"https:\/\/multi-risques.com\/en\/personal\/home\/secondary-residence-and-seasonal-residence\/\">Secondary or seasonal residence<\/a><\/h3>\n<\/header>\n\n\n\n<section class=\"wp-block-query alignwide accordeons is-layout-flow wp-block-query-is-layout-flow\"><ul class=\"accordeons wp-block-post-template is-layout-flow wp-block-post-template-is-layout-flow\"><li class=\"wp-block-post post-18169 cke_faqs type-cke_faqs status-publish hentry cke_assurances_tax-residence-secondaire-et-residence-saisonniere cke_assurances_types-personal cke_assurances_types-home cke_faq_types-secondary-or-seasonal-residence-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 you insure a seasonal home or second home?<\/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\"><a href=\"https:\/\/multi-risques.com\/en\/personal\/home\/secondary-residence-and-seasonal-residence\/\">Insurance for a secondary or seasonal residence<\/a> differs from that for your main residence, particularly if you do not stay there very often. <\/p>\n\n<p class=\"wp-block-paragraph\">Several factors can affect the cost of your insurance premium: the area where your second home is located, how often you stay there, the age of the property, the type of heating system, proximity to a hydrant, etc.<\/p>\n\n<p class=\"wp-block-paragraph\">It\u2019s often worth combining your main home insurance with that of your holiday home. Speak to your broker to find the cover you need.<\/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\/country-home-insurance-protect-your-second-home\/\">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-18170 cke_faqs type-cke_faqs status-publish hentry cke_assurances_tax-residence-secondaire-et-residence-saisonniere cke_assurances_types-personal cke_assurances_types-home cke_faq_types-secondary-or-seasonal-residence-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 I need to inform my insurer if I rent out my property?<\/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\">Yes, you must notify your insurer if you let out your home, even for a short period. If you fail to do so, they may refuse to pay out in the event of a claim.<br \/> <\/p>\n\n<p class=\"wp-block-paragraph\">Some insurers will agree to cover you by adding a rider to your policy. If this isn\u2019t the case, an insurance broker with experience in short-term lettings can shop around on your behalf and find home insurance tailored to your circumstances. <\/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\/short-term-property-rentals-and-home-insurance-what-you-need-to-know\/\">Learn more<\/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\n\n\n<header class=\"wp-block-group alignwide has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-6a68c5df wp-block-group-is-layout-constrained\" style=\"padding-top:var(--wp--preset--spacing--4)\">\n<h3 class=\"wp-block-heading has-white-color has-text-color has-link-color wp-elements-d8ca87941485093355b358eb42053158\"><a href=\"https:\/\/multi-risques.com\/en\/personal\/home\/non-occupant-owner\/\">Non-occupant Owner<\/a><\/h3>\n<\/header>\n\n\n\n<section class=\"wp-block-query alignwide accordeons is-layout-flow wp-block-query-is-layout-flow\"><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-non-occupant-owner-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-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-non-occupant-owner-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 difference between homeowners insurance and non-occupant owners 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\"><a href=\"https:\/\/multi-risques.com\/en\/personal\/home\/owner\/\">Homeowners insurance<\/a> covers the main residence where you live. <a href=\"https:\/\/multi-risques.com\/en\/personal\/home\/non-occupant-owner\/\">Non-occupant owners insurance<\/a>, on the other hand, is designed for owners who rent out their property or leave it vacant.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">As soon as you no longer live in the property you own, your standard home insurance policy is no longer sufficient. Non-occupant owner insurance protects your property investments and safeguards your rental income.<\/p>\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\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-72ee752a5066d4baa0bbf0fee1fff78a is-style-small-mark--5\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vert-color\"><a href=\"https:\/\/multi-risques.com\/en\/personal\/\">Personal Insurance<\/a><\/mark>Vehicule insurance<\/h2>\n\n\n\n<h3 class=\"wp-block-heading has-white-color has-text-color has-link-color wp-elements-406085160b7524241f69e619bfed354b\">General questions<\/h3>\n<\/header>\n\n\n\n<section class=\"wp-block-query alignwide accordeons is-layout-flow wp-block-query-is-layout-flow\"><ul class=\"accordeons wp-block-post-template is-layout-flow wp-block-post-template-is-layout-flow\"><li class=\"wp-block-post post-18173 cke_faqs type-cke_faqs status-publish hentry cke_assurances_tax-auto cke_assurances_tax-moto cke_assurances_tax-vehicule-recreatif 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\">Is vehicle insurance mandatory in 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\">Yes, in Quebec, the law requires owners of all motor vehicles to have automobile insurance covering <a href=\"https:\/\/multi-risques.com\/en\/tips-and-advice\/what-is-the-difference-between-comprehensive-auto-insurance-and-civil-liability\/\">civil liability<\/a> for an amount of at least $50,000.<\/p>\n\n<p class=\"wp-block-paragraph\">This protection covers property damage caused to others if you are responsible for an accident. It is also possible to purchase optional coverage for damage to your own 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-18175 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-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 does the SAAQ cover?<\/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 <a href=\"https:\/\/saaq.gouv.qc.ca\/en\/\" rel=\"nofollow noopener\" target=\"_blank\">Soci\u00e9t\u00e9 de l\u2019assurance automobile du Qu\u00e9bec<\/a> (SAAQ) covers only personal injury (injuries, death) resulting from a road traffic accident in Qu\u00e9bec or elsewhere in the world. It compensates all Qu\u00e9bec residents involved (drivers, passengers, pedestrians, cyclists), even if they are responsible for the accident.<\/p>\n\n<p class=\"wp-block-paragraph\">Coverage includes, in particular:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>Medical care and health treatments not covered by the RAMQ.<\/li>\n\n\n\n<li>Income replacement in the event of incapacity to work.<\/li>\n\n\n\n<li>Personal care at home and medication.<\/li>\n\n\n\n<li>Home or vehicle adaptations, and rehabilitation.<\/li>\n\n\n\n<li>Property damage only in the specific case of a hit-and-run accident.<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">Property damage to your vehicle is excluded and must be covered by a private insurer.<\/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-18174 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-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 does my friend, who has a car similar to mine, pay less with the same insurer?<\/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 you have the same insurer and similar cars, your insurance premium differs because it is calculated specifically for your unique profile. The insurer assesses the overall risk you represent. <\/p>\n\n<p class=\"wp-block-paragraph\">Key factors explaining this price difference include: your driving experience and driving record, how you use your vehicle, where you live, your credit history, the cover you\u2019ve chosen and the amount of your excess.<\/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-9916 cke_faqs type-cke_faqs status-publish hentry cke_assurances_tax-auto cke_assurances_tax-moto 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. Here are the steps to follow:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Make sure everyone is safe and call the emergency services and the police if necessary. If possible, move the vehicles involved out of the way of traffic.<\/li>\n\n\n\n<li>Exchange details with the other drivers and, if the circumstances of the accident allow, complete an accident report form.<\/li>\n\n\n\n<li>Take photographs of the accident scene, the damage to the vehicles and any visible injuries.<\/li>\n\n\n\n<li>Contact your insurance broker as soon as possible to report the accident and provide them with all the information you have.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">A claims adjuster will then be assigned to your case to investigate the damage caused and your liability in the accident.<\/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\/a-car-accident-do-you-know-what-to-do\/\">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-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><\/ul>\n\n<\/section>\n\n\n\n<header class=\"wp-block-group alignwide has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-6a68c5df wp-block-group-is-layout-constrained\" style=\"padding-top:var(--wp--preset--spacing--4)\">\n<h3 class=\"wp-block-heading has-white-color has-text-color has-link-color wp-elements-867851295f4815068dc75132bdfa0adc\"><a href=\"https:\/\/multi-risques.com\/en\/personal\/vehicle\/motorcycle\/\">Motorcycle<\/a><\/h3>\n<\/header>\n\n\n\n<section class=\"wp-block-query alignwide accordeons is-layout-flow wp-block-query-is-layout-flow\"><ul class=\"accordeons wp-block-post-template is-layout-flow wp-block-post-template-is-layout-flow\"><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-moto-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\">Does my car insurance also cover my motorbike?<\/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\">No. Your car insurance does not cover your motorcycle. They are two separate vehicles, each requiring its own specific insurance policy. It is possible to add a motorbike to a car insurance policy; however, we advise you to insure your motorcycle with a specialist insurer under a separate policy.<\/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\/personal\/vehicle\/motorcycle\/\">Learn more<\/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\n\n\n<header class=\"wp-block-group alignwide has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-6a68c5df wp-block-group-is-layout-constrained\" style=\"padding-top:var(--wp--preset--spacing--4)\">\n<h3 class=\"wp-block-heading has-white-color has-text-color has-link-color wp-elements-c132c11c34280215c82f424186e3a72e\"><a href=\"https:\/\/multi-risques.com\/en\/personal\/vehicle\/snowmobile\/\">Snowmobile<\/a><\/h3>\n<\/header>\n\n\n\n<section class=\"wp-block-query alignwide accordeons is-layout-flow wp-block-query-is-layout-flow\"><ul class=\"accordeons wp-block-post-template is-layout-flow wp-block-post-template-is-layout-flow\"><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-snowmobile-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-9923 cke_faqs type-cke_faqs status-publish hentry cke_assurances_tax-motoneige cke_assurances_types-personal cke_assurances_types-vehicle cke_faq_types-snowmobile-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\">Whilst it can sometimes be advantageous to bundle your insurance policies to save money, in the case of a snowmobile, it is best to use an insurer that specialises in this type of vehicle.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">An insurance broker can assess your needs based on how you plan to use your snowmobile. They will then compare quotes from different insurers to find the best cover for you.<\/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\/personal\/vehicle\/snowmobile\/\">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-snowmobile-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><\/ul>\n\n<\/section>\n\n\n\n<header class=\"wp-block-group alignwide has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-6a68c5df wp-block-group-is-layout-constrained\" style=\"padding-top:var(--wp--preset--spacing--4)\">\n<h3 class=\"wp-block-heading has-white-color has-text-color has-link-color wp-elements-02b79a6927aa1c99a1e4923f652d9e7e\"><a href=\"https:\/\/multi-risques.com\/en\/personal\/vehicle\/recreational-vehicle\/\">Recreational Vehicle<\/a><\/h3>\n<\/header>\n\n\n\n<section class=\"wp-block-query alignwide accordeons is-layout-flow wp-block-query-is-layout-flow\"><ul class=\"accordeons wp-block-post-template is-layout-flow wp-block-post-template-is-layout-flow\"><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-assurance-vehicules cke_faq_types-recreational-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-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-recreational-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\/en\/tips-and-advice\/recreational-vehicle-insurance-the-complete-guide\/\">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-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-recreational-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 does recreational vehicle insurance cover?<\/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\"><a href=\"https:\/\/multi-risques.com\/en\/personal\/vehicle\/recreational-vehicle\/\">Recreational vehicle insurance<\/a> combines cover for your vehicle, your belongings and your third-party liability. Unlike standard car insurance, RV insurance can also cover items, clothing and equipment inside the vehicle.<\/p>\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":100,"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}]}}