Sub-standard insurance

Substandard Business Insurance

Is your company considered to be at risk by insurers?

Whether it’s due to a history of claims, a risky line of business, or a complex financial file, substandard business insurance allows you to get protection despite these challenges.

Auto, home or business insurance solutions

We study your case to understand your needs and difficulties in order to make you well-studied proposals that are more in line with your case. It is by having as much information as possible that we have the opportunity to better defend your interests with insurers and negotiate the best guarantees and reimbursement conditions in your favour in the event of a claim, in the shortest possible time.

It is essential for you to provide a copy of your criminal record or docket, which can be obtained free of charge from any courthouse in the province of Quebec. You must also apply to the SAAQ office or website for your driving record, which allows you to get an idea of the number of offences committed with the exact dates to support it.

Insurance cancellation for non-payment

It is very common for insurers to cancel a car, home or business insurance contract, especially in cases of non-payment. If the cancellation is not yet effective but you have received a notice, it is possible to enter into negotiations with your current insurer to find an amicable arrangement that satisfies both parties. Generally, the situation is resolved as soon as the premiums due for the rest of the current year are paid. This solution is the most judicious and the most effective too.

Otherwise, we will offer you other palliative solutions depending on your insurance policy. If it is car insurance , you must have the driving record provided by the SAAQ, which allows you to get an idea of your history as a driver. On the other hand, the vehicle registration number and personal data will also be very useful. As for home or business insurance, all you have to do is answer the usual questions asked when taking out an insurance policy.

Cancelled insurance

We are committed to supporting you in obtaining car, home or business insurance if yours has been cancelled for cessation of payments. Your file will be referred to our insurance broker after one to three years in order to benefit from a second insurance chance. This is to tell you that you can always benefit from adequate coverage even after an incident of non-payment by relying on reliable partners in all circumstances.

Financial impact of impaired driving

Driving while impaired poses a danger to the driver, passengers, other motorists and passers-by using the road. Driving while intoxicated or after taking medication containing a sleeping pill or any other component likely to impair a driver’s faculties is prohibited, but even more so it also has a financial impact when the motorist is caught. Because obviously he has to pay a fine that can easily reach several thousand dollars.

Indeed, once the driver is found guilty, an offence is recorded on his driving record and which affects his car insurance premium for several years, about six years. It is even possible that such an incident could be accompanied by other repercussions such as the suspension of the driver’s licence and the creation of a criminal record. Vigilance and respect for the Highway Code and the personal safety of the motorist and other road users can prevent such inconveniences. If necessary, it is always possible to use a home escort service.

Cases of driver’s licence suspensions and difficulty insuring your vehicle

In the case of a driver’s license suspended following an excess of points for speeding, unpaid tickets, dangerous driving on public roads, hit and run registration, or other. It is very difficult to take out insurance to cover the losses to which a vehicle is exposed .
To be able to assist you, you must first have the SAAQ’s driving record to be aware of the types of violations recorded and their exact dates. The file will be completed with various information on the car and its intended use. A judiciously studied file allows you to benefit from the right insurance for your vehicle.

Contact an insurance broker who is a partner in a car, home or business insurance solution.

Frequently asked questions