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Insurance comparison tool in Quebec

Insurer in Quebec: Find the right partner for your coverage

Quickly compare several insurers through our AMF-certified partner firms and brokers. Assur360 is an independent comparison tool: you get several quotes in a single process.

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Insurer, broker, agent: what’s the difference?

In everyday language, the word “insurer” sometimes refers to three very different players in the Quebec market. Understanding their role helps you choose the right person for your needs. Here are the three types of professionals you will come across during your insurance process.

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Insurance Company

It is the entity that issues the contract, assumes the risk and pays the indemnity in the event of a claim. It is supervised by the AMF. Examples in Quebec: Intact, Beneva, Desjardins, La Capitale, L’Unique, Aviva.

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Insurance Broker

An independent professional who compares several insurers for you. He represents your interests, not those of a company. Certified by the AMF and a member of the Chambre de l’assurance.

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Insurance Agent

Representative linked to a single company. He only sells his employer’s products. Useful if you are already loyal to a specific insurer.

How our insurance comparison tool works

Assur360 is a networking platform : we send your profile to several AMF-certified partner firms, which submit offers from different insurers. The process is free, without obligation, and takes an average of a few minutes.

1

You fill out your profile

Type of property to be insured (car, house, company, etc.), contact details and specific information (vehicle, address, history). 3 to 5 minutes.

2

We pass on to our partner firms

Your request is forwarded to one or more AMF-certified partner firms, selected according to your region and the type of coverage you are looking for.

3

A partner broker contacts you

The broker analyzes your situation, shops with several insurers and presents you with the best options adapted to your profile.

4

You choose your coverage

You compare prices, coverage and deductibles. No obligation to accept: you are free to decide which insurer to choose.

Independent broker or captive agent: which one to choose?

The type of professional you choose directly influences the variety of offers you have access to. Here are the main differences to be aware of before you request a quote.

Broker comparison certification money
CriteriaIndependentCaptive Agent
Number of insurers representedMultiple (shopping)Only one
PriceYes, between several offersNo, single price
CompensationCommission (no customer fees)Salary + commission
AMFYes, mandatoryYes, mandatory
Useful if…You want to compare and saveYou are loyal to a specific insurer

💡 Assur360 advice

Always check your insurer’s AMF certification

In Quebec, all insurers, brokers and agents must be certified by the Autorité des marchés financiers (AMF) and, for representatives, a member of the Chambre de l’assurance. You can check the status of a professional free of charge on lautorite.qc.ca. Assur360 only works with duly certified firms and brokers.

The central role of property and casualty insurers

When you take out insurance, whether for your house, car or other property, you enter into a relationship with a damage insurer. Its main mission: to provide coverage to compensate for financial losses resulting from a claim (accident, fire, theft, water damage, etc.) and to assist you in the management of claims.

Risk Analysis and Pricing

The insurer evaluates several factors to establish your premium: location, value of the property, claims history, safety features, driver profile for the car. These criteria vary from one insurer to another — which is why shopping through a broker can make a real difference to the final price. The prices displayed on this site are indicative; the actual premium is determined after a complete analysis of your file.

Loss Management and Prevention

In addition to compensation, a good insurer advises you on prevention: installation of an alarm system, roof maintenance, defensive driving training. These measures can also reduce your annual premium.

Why Assur360

An independent comparison tool designed for Quebecers

✓AMF-certified partner firms — all our partners are duly registered with the Autorité des marchés financiers.
✓ Representatives who are members of the Chambre de l’assurance — an ethical framework recognized in Quebec.
✓More than 10 years of support for Quebec consumers in their insurance procedures.
✓Independent comparator — Assur360 is not tied to a single insurer. You get multiple offers.
✓Confidentiality – your information is treated in accordance with Law 25 on the Protection of Personal Information.
✓Free and non-binding — the request for a quote does not commit you to anything.

Frequently asked questions about insurers

What is the difference between an insurer, a broker and an agent?
The insurer (company) issues the contract and pays the indemnity. The broker is independent and compares several insurers for you. The agent represents a single company. All three are certified by the AMF.
Is it free to go through an insurance broker?
Yes. The services of a damage insurance broker are free of charge for the client. The broker is compensated by a commission paid by the selected insurer.
How does the Assur360 comparator work?
Assur360 is a networking platform. You fill out a form; your request is sent to one or more AMF-certified partner firms, which submit offers from different insurers. You compare and choose.
How do I check if my insurer or broker is certified?
Consult the AMF’s register of firms and representatives free of charge on lautorite.qc.ca. You will find the status and the sectors for which the person is authorized.
How long does a quote request take?
The form takes about 3 to 5 minutes. The partner broker usually calls you back the same day or the next business day to validate your profile and present the offers.
Do I have to accept an offer?
No. The process is non-binding. You are free to refuse all offers, to negotiate or to stay with your current insurer.
Can I change insurer during the course of my contract?
Yes, as long as you give the notice of termination in your contract (usually 30 days). The refund of the unused premium is prorated. A broker partner can coordinate the transition with your current insurer.
What to do in the event of a claim?
Contact your insurer or broker immediately. Document the loss (photos, witnesses, police report if necessary) and consult our disaster emergency page for step-by-step instructions.

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