{"id":16212,"date":"2023-11-15T11:56:04","date_gmt":"2023-11-15T16:56:04","guid":{"rendered":"https:\/\/www.assur360.ca\/insurer-2\/"},"modified":"2026-09-02T12:33:45","modified_gmt":"2026-09-02T16:33:45","slug":"insurer-2","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/insurer-2\/","title":{"rendered":"Insurer"},"content":{"rendered":"\n<style>#ez-toc-container{display:none!important}<\/style>\n<section style=\"background:linear-gradient(135deg,#0d1f2d 0%,#1a3a4a 100%);padding:80px 24px;color:#ffffff;text-align:center;\">\n  <div style=\"max-width:900px;margin:0 auto;\">\n    <p style=\"color:#10c4c7;font-size:14px;font-weight:700;letter-spacing:2px;text-transform:uppercase;margin:0 0 16px;\">Insurance comparison tool in Quebec<\/p>\n    <h1 style=\"color:#ffffff;font-size:42px;font-weight:800;line-height:1.2;margin:0 0 20px;\"><span class=\"ez-toc-section\" id=\"Insurer-in-Quebec-Find-the-right-partner-for-your-coverage\"><\/span>Insurer in Quebec: Find the right partner for your coverage<span class=\"ez-toc-section-end\"><\/span><\/h1>\n    <p style=\"color:#cbd5e1;font-size:19px;line-height:1.6;margin:0 0 32px;max-width:720px;margin-left:auto;margin-right:auto;\">Quickly compare several insurers through our <strong style=\"color:#ffffff;\">AMF-certified partner firms and brokers<\/strong>. Assur360 is an independent comparison tool: you get several quotes in a single process. <\/p>\n    <a href=\"https:\/\/www.assur360.ca\/en\/insurance-comparator-4\/\" style=\"display:inline-block;background:#10c4c7;color:#ffffff;font-size:18px;font-weight:700;padding:18px 40px;border-radius:8px;text-decoration:none;box-shadow:0 4px 16px rgba(16,196,199,0.35);\">Get my free quotes\u2192<\/a>\n    <p style=\"color:#94a3b8;font-size:14px;margin:20px 0 0;\">Free of charge \u00b7 No obligation \u00b7 Quick response<\/p>\n  <\/div>\n<\/section>\n\n<section style=\"background:#ffffff;padding:48px 24px;border-bottom:1px solid #e2e8f0;\">\n  <div style=\"max-width:1200px;margin:0 auto;display:grid;grid-template-columns:repeat(4,1fr);gap:32px;text-align:center;\">\n    <div>\n      <div style=\"font-size:36px;font-weight:800;color:#10c4c7;line-height:1;\">15+<\/div>\n      <div style=\"color:#64748b;font-size:14px;font-weight:600;margin-top:8px;text-transform:uppercase;letter-spacing:1px;\">Insurers Compared<\/div>\n    <\/div>\n    <div>\n      <div style=\"font-size:36px;font-weight:800;color:#10c4c7;line-height:1;\">100+<\/div>\n      <div style=\"color:#64748b;font-size:14px;font-weight:600;margin-top:8px;text-transform:uppercase;letter-spacing:1px;\">Broker Partners<\/div>\n    <\/div>\n    <div>\n      <div style=\"font-size:36px;font-weight:800;color:#10c4c7;line-height:1;\">10+<\/div>\n      <div style=\"color:#64748b;font-size:14px;font-weight:600;margin-top:8px;text-transform:uppercase;letter-spacing:1px;\">Years of experience<\/div>\n    <\/div>\n    <div>\n      <div style=\"font-size:36px;font-weight:800;color:#10c4c7;line-height:1;\">4,7\/5<\/div>\n      <div style=\"color:#64748b;font-size:14px;font-weight:600;margin-top:8px;text-transform:uppercase;letter-spacing:1px;\">Customer satisfaction<\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Insurer-broker-agent-whats-the-difference\"><\/span>Insurer, broker, agent: what&#8217;s the difference?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">In everyday language, the word &#8220;insurer&#8221; 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.  <\/p>\n\n<div style=\"max-width:1200px;margin:32px auto;display:grid;grid-template-columns:repeat(3,1fr);gap:24px;\">\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:32px 24px;\">\n    <div style=\"font-size:32px;margin-bottom:12px;\">\ud83c\udfe2<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:20px;font-weight:800;margin:0 0 12px;\">Insurance Company<\/h3>\n    <p style=\"color:#334155;font-size:15px;line-height:1.6;margin:0;\">It is the entity that <strong>issues the contract<\/strong>, 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&#8217;Unique, Aviva.  <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:32px 24px;\">\n    <div style=\"font-size:32px;margin-bottom:12px;\">\ud83e\udd1d<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:20px;font-weight:800;margin:0 0 12px;\">Insurance Broker<\/h3>\n    <p style=\"color:#334155;font-size:15px;line-height:1.6;margin:0;\"><strong>An independent<\/strong> 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&#8217;assurance.  <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border-top:4px solid #10c4c7;border-radius:12px;padding:32px 24px;\">\n    <div style=\"font-size:32px;margin-bottom:12px;\">\ud83c\udfaf<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:20px;font-weight:800;margin:0 0 12px;\">Insurance Agent<\/h3>\n    <p style=\"color:#334155;font-size:15px;line-height:1.6;margin:0;\">Representative linked to <strong>a single company<\/strong>. He only sells his employer&#8217;s products. Useful if you are already loyal to a specific insurer.  <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How-our-insurance-comparison-tool-works\"><\/span>How our insurance comparison tool works<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Assur360 is a <strong>networking platform<\/strong> : 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. <\/p>\n\n<div style=\"max-width:1000px;margin:32px auto;display:flex;flex-direction:column;gap:20px;\">\n  <div style=\"display:flex;gap:24px;align-items:flex-start;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;padding:24px;\">\n    <div style=\"flex-shrink:0;width:48px;height:48px;background:#10c4c7;color:#ffffff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:20px;font-weight:800;\">1<\/div>\n    <div>\n      <h3 style=\"color:#0d1f2d;font-size:19px;font-weight:800;margin:0 0 8px;\">You fill out your profile<\/h3>\n      <p style=\"color:#475569;font-size:15px;line-height:1.6;margin:0;\">Type of property to be insured (car, house, company, etc.), contact details and specific information (vehicle, address, history). 3 to 5 minutes. <\/p>\n    <\/div>\n  <\/div>\n  <div style=\"display:flex;gap:24px;align-items:flex-start;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;padding:24px;\">\n    <div style=\"flex-shrink:0;width:48px;height:48px;background:#10c4c7;color:#ffffff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:20px;font-weight:800;\">2<\/div>\n    <div>\n      <h3 style=\"color:#0d1f2d;font-size:19px;font-weight:800;margin:0 0 8px;\">We pass on to our partner firms<\/h3>\n      <p style=\"color:#475569;font-size:15px;line-height:1.6;margin:0;\">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.<\/p>\n    <\/div>\n  <\/div>\n  <div style=\"display:flex;gap:24px;align-items:flex-start;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;padding:24px;\">\n    <div style=\"flex-shrink:0;width:48px;height:48px;background:#10c4c7;color:#ffffff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:20px;font-weight:800;\">3<\/div>\n    <div>\n      <h3 style=\"color:#0d1f2d;font-size:19px;font-weight:800;margin:0 0 8px;\">A partner broker contacts you<\/h3>\n      <p style=\"color:#475569;font-size:15px;line-height:1.6;margin:0;\">The broker analyzes your situation, shops with several insurers and presents you with the best options adapted to your profile.<\/p>\n    <\/div>\n  <\/div>\n  <div style=\"display:flex;gap:24px;align-items:flex-start;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;padding:24px;\">\n    <div style=\"flex-shrink:0;width:48px;height:48px;background:#10c4c7;color:#ffffff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:20px;font-weight:800;\">4<\/div>\n    <div>\n      <h3 style=\"color:#0d1f2d;font-size:19px;font-weight:800;margin:0 0 8px;\">You choose your coverage<\/h3>\n      <p style=\"color:#475569;font-size:15px;line-height:1.6;margin:0;\">You compare prices, coverage and deductibles. No obligation to accept: you are free to decide which insurer to choose. <\/p>\n    <\/div>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Independent-broker-or-captive-agent-which-one-to-choose\"><\/span>Independent broker or captive agent: which one to choose?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">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. <\/p>\n\n<div style=\"max-width:1000px;margin:32px auto;overflow-x:auto;\">\n  <table style=\"width:100%;border-collapse:collapse;background:#ffffff;border-radius:12px;overflow:hidden;box-shadow:0 2px 8px rgba(13,31,45,0.06);\">\n    <thead>\n      <tr style=\"background:#0d1f2d;color:#ffffff;\">\n        <th style=\"padding:16px 20px;text-align:left;font-weight:700;font-size:15px;\">Criteria<\/th>\n <th style=\"padding:16px 20px;text-align:left;font-weight:700;font-size:15px;\">Independent<\/th>\n Broker <th style=\"padding:16px 20px;text-align:left;font-weight:700;font-size:15px;\">Captive Agent<\/th>                \n      <\/tr>\n    <\/thead>\n    <tbody>\n      <tr style=\"background:#f8fafc;\">\n        <td style=\"padding:14px 20px;font-weight:600;color:#0d1f2d;border-bottom:1px solid #e2e8f0;\">Number of insurers represented<\/td>\n <td style=\"padding:14px 20px;color:#334155;border-bottom:1px solid #e2e8f0;\">Multiple (shopping)<\/td>\n <td style=\"padding:14px 20px;color:#334155;border-bottom:1px solid #e2e8f0;\">Only one<\/td>                \n      <\/tr>\n      <tr>\n        <td style=\"padding:14px 20px;font-weight:600;color:#0d1f2d;border-bottom:1px solid #e2e8f0;\">Price<\/td>\n comparison <td style=\"padding:14px 20px;color:#334155;border-bottom:1px solid #e2e8f0;\">Yes, between several offers<\/td>\n <td style=\"padding:14px 20px;color:#334155;border-bottom:1px solid #e2e8f0;\">No, single price<\/td>                \n      <\/tr>\n      <tr style=\"background:#f8fafc;\">\n        <td style=\"padding:14px 20px;font-weight:600;color:#0d1f2d;border-bottom:1px solid #e2e8f0;\">Compensation<\/td>\n <td style=\"padding:14px 20px;color:#334155;border-bottom:1px solid #e2e8f0;\">Commission (no customer fees)<\/td>\n <td style=\"padding:14px 20px;color:#334155;border-bottom:1px solid #e2e8f0;\">Salary + commission<\/td>                \n      <\/tr>\n      <tr>\n        <td style=\"padding:14px 20px;font-weight:600;color:#0d1f2d;border-bottom:1px solid #e2e8f0;\">AMF<\/td>\n certification <td style=\"padding:14px 20px;color:#334155;border-bottom:1px solid #e2e8f0;\">Yes, mandatory<\/td>\n <td style=\"padding:14px 20px;color:#334155;border-bottom:1px solid #e2e8f0;\">Yes, mandatory<\/td>                \n      <\/tr>\n      <tr style=\"background:#f8fafc;\">\n        <td style=\"padding:14px 20px;font-weight:600;color:#0d1f2d;\">Useful if&#8230;<\/td>\n <td style=\"padding:14px 20px;color:#334155;\">You want to compare and save<\/td>\n money <td style=\"padding:14px 20px;color:#334155;\">You are loyal to a specific insurer<\/td>                \n      <\/tr>\n    <\/tbody>\n  <\/table>\n<\/div>\n\n<div style=\"max-width:1000px;margin:48px auto;background:linear-gradient(135deg,#0d1f2d 0%,#1a3a4a 100%);border:2px solid #10c4c7;border-radius:16px;padding:40px 32px;color:#ffffff;\">\n  <p style=\"color:#10c4c7;font-size:14px;font-weight:700;letter-spacing:2px;text-transform:uppercase;margin:0 0 12px;\">\ud83d\udca1 Assur360 advice<\/p>\n  <h3 style=\"color:#ffffff;font-size:24px;font-weight:800;margin:0 0 16px;\">Always check your insurer&#8217;s AMF certification<\/h3>\n  <p style=\"color:#cbd5e1;font-size:16px;line-height:1.7;margin:0;\">In Quebec, all insurers, brokers and agents must be certified by the <strong style=\"color:#ffffff;\">Autorit\u00e9 des march\u00e9s financiers (AMF)<\/strong> and, for representatives, a member <strong style=\"color:#ffffff;\">of the Chambre de l&#8217;assurance<\/strong>. You can check the status of a professional free of charge on <a href=\"https:\/\/lautorite.qc.ca\/\" style=\"color:#10c4c7;text-decoration:underline;\">lautorite.qc.ca<\/a>. Assur360 only works with duly certified firms and brokers.  <\/p>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The-central-role-of-property-and-casualty-insurers\"><\/span>The central role of property and casualty insurers<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">When you <a href=\"https:\/\/www.assur360.ca\/en\/insurance-comparator-4\/\">take out insurance<\/a>, 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 <a href=\"https:\/\/www.assur360.ca\/en\/disaster-emergency\/\">the management of claims<\/a>. <\/p>\n\n<h3 class=\"wp-block-heading\">Risk Analysis and Pricing<\/h3>\n\n<p class=\"wp-block-paragraph\">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 \u2014 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.  <\/p>\n\n<h3 class=\"wp-block-heading\">Loss Management and Prevention<\/h3>\n\n<p class=\"wp-block-paragraph\">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. <\/p>\n\n<section style=\"background:#f0fdfa;padding:48px 24px;margin:48px 0;border-radius:16px;\">\n  <div style=\"max-width:900px;margin:0 auto;\">\n    <p style=\"color:#10c4c7;font-size:14px;font-weight:700;letter-spacing:2px;text-transform:uppercase;margin:0 0 12px;text-align:center;\">Why Assur360<\/p>\n    <h2 class=\"wp-block-heading\" style=\"color:#0d1f2d;font-size:30px;font-weight:800;margin:0 0 32px;text-align:center;\"><span class=\"ez-toc-section\" id=\"An-independent-comparison-tool-designed-for-Quebecers\"><\/span>An independent comparison tool designed for Quebecers<span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:20px 32px;\">\n      <div style=\"display:flex;gap:12px;align-items:flex-start;\"><span style=\"color:#10c4c7;font-size:22px;font-weight:800;flex-shrink:0;\">\u2713<\/span><span style=\"color:#334155;font-size:16px;line-height:1.6;\"><strong>AMF-certified partner firms<\/strong> \u2014 all our partners are duly registered with the Autorit\u00e9 des march\u00e9s financiers.<\/span><\/div>\n      <div style=\"display:flex;gap:12px;align-items:flex-start;\"><span style=\"color:#10c4c7;font-size:22px;font-weight:800;flex-shrink:0;\">\u2713<\/span> <span style=\"color:#334155;font-size:16px;line-height:1.6;\"><strong>Representatives who are members of the Chambre de l&#8217;assurance<\/strong> \u2014 an ethical framework recognized in Quebec.<\/span><\/div>\n      <div style=\"display:flex;gap:12px;align-items:flex-start;\"><span style=\"color:#10c4c7;font-size:22px;font-weight:800;flex-shrink:0;\">\u2713<\/span><span style=\"color:#334155;font-size:16px;line-height:1.6;\"><strong>More than 10 years<\/strong> of support for Quebec consumers in their insurance procedures.<\/span><\/div>\n      <div style=\"display:flex;gap:12px;align-items:flex-start;\"><span style=\"color:#10c4c7;font-size:22px;font-weight:800;flex-shrink:0;\">\u2713<\/span><span style=\"color:#334155;font-size:16px;line-height:1.6;\"><strong>Independent comparator<\/strong> \u2014 Assur360 is not tied to a single insurer. You get multiple offers. <\/span><\/div>\n      <div style=\"display:flex;gap:12px;align-items:flex-start;\"><span style=\"color:#10c4c7;font-size:22px;font-weight:800;flex-shrink:0;\">\u2713<\/span><span style=\"color:#334155;font-size:16px;line-height:1.6;\"><strong>Confidentiality<\/strong> \u2013 your information is treated in accordance with Law 25 on the Protection of Personal Information.<\/span><\/div>\n      <div style=\"display:flex;gap:12px;align-items:flex-start;\"><span style=\"color:#10c4c7;font-size:22px;font-weight:800;flex-shrink:0;\">\u2713<\/span><span style=\"color:#334155;font-size:16px;line-height:1.6;\"><strong>Free and non-binding<\/strong> \u2014 the request for a quote does not commit you to anything.<\/span><\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently-asked-questions-about-insurers\"><\/span>Frequently asked questions about insurers<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"max-width:900px;margin:24px auto;\">\n  <details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:18px 24px;font-weight:700;color:#0d1f2d;cursor:pointer;font-size:16px;\">What is the difference between an insurer, a broker and an agent?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;font-size:15px;line-height:1.7;\">The <strong>insurer (company)<\/strong> issues the contract and pays the indemnity. The <strong>broker<\/strong> is independent and compares several insurers for you. The <strong>agent<\/strong> represents a single company. All three are certified by the AMF.   <\/div>\n  <\/details>\n  <details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:18px 24px;font-weight:700;color:#0d1f2d;cursor:pointer;font-size:16px;\">Is it free to go through an insurance broker?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;font-size:15px;line-height:1.7;\">Yes. The services of a damage insurance broker are <strong>free of charge for the client<\/strong>. The broker is compensated by a commission paid by the selected insurer.  <\/div>\n  <\/details>\n  <details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:18px 24px;font-weight:700;color:#0d1f2d;cursor:pointer;font-size:16px;\">How does the Assur360 comparator work?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;font-size:15px;line-height:1.7;\">Assur360 is a <strong>networking platform<\/strong>. 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.  <\/div>\n  <\/details>\n  <details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:18px 24px;font-weight:700;color:#0d1f2d;cursor:pointer;font-size:16px;\">How do I check if my insurer or broker is certified?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;font-size:15px;line-height:1.7;\">Consult the <strong>AMF&#8217;s register of firms and representatives<\/strong> free of charge on <a href=\"https:\/\/lautorite.qc.ca\/\">lautorite.qc.ca<\/a>. You will find the status and the sectors for which the person is authorized. <\/div>\n  <\/details>\n  <details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:18px 24px;font-weight:700;color:#0d1f2d;cursor:pointer;font-size:16px;\">How long does a quote request take?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;font-size:15px;line-height:1.7;\">The form takes about <strong>3 to 5 minutes<\/strong>. The partner broker usually calls you back the same day or the next business day to validate your profile and present the offers. <\/div>\n  <\/details>\n  <details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:18px 24px;font-weight:700;color:#0d1f2d;cursor:pointer;font-size:16px;\">Do I have to accept an offer?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;font-size:15px;line-height:1.7;\">No. The process is <strong>non-binding<\/strong>. You are free to refuse all offers, to negotiate or to stay with your current insurer.  <\/div>\n  <\/details>\n  <details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:18px 24px;font-weight:700;color:#0d1f2d;cursor:pointer;font-size:16px;\">Can I change insurer during the course of my contract?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;font-size:15px;line-height:1.7;\">Yes, as long as you give the <strong>notice of termination<\/strong> 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.  <\/div>\n  <\/details>\n  <details style=\"background:#ffffff;border:1px solid #e2e8f0;border-radius:8px;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"background:#f8fafc;padding:18px 24px;font-weight:700;color:#0d1f2d;cursor:pointer;font-size:16px;\">What to do in the event of a claim?<\/summary>\n    <div style=\"padding:20px 24px;color:#334155;font-size:15px;line-height:1.7;\">Contact your insurer or broker immediately. Document the loss (photos, witnesses, police report if necessary) and consult our <a href=\"https:\/\/www.assur360.ca\/en\/disaster-emergency\/\">disaster emergency page<\/a> for step-by-step instructions. <\/div>\n  <\/details>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Explore-by-insurance-type\"><\/span>Explore by insurance type<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"max-width:1200px;margin:32px auto;display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:20px;\">\n  <a href=\"https:\/\/www.assur360.ca\/en\/insurer-2\/car-insurer\/\" style=\"display:block;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;transition:all 0.2s;\">\n    <div style=\"font-size:28px;margin-bottom:8px;\">\ud83d\ude97<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:17px;font-weight:800;margin:0 0 6px;\">Car insurer<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Compare car insurers in Quebec<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/insurer-2\/home-insurer-2\/\" style=\"display:block;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;\">\n    <div style=\"font-size:28px;margin-bottom:8px;\">\ud83c\udfe0<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:17px;font-weight:800;margin:0 0 6px;\">Home insurer<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">House, condo, tenant<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/business-insurance-3-minute-quote\/\" style=\"display:block;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;\">\n    <div style=\"font-size:28px;margin-bottom:8px;\">\ud83c\udfe2<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:17px;font-weight:800;margin:0 0 6px;\">Business Insurance<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">SMEs, Trade, Liability<\/p>\n  <\/a>\n  <a href=\"\/assurance\/moto\/\" style=\"display:block;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;\">\n    <div style=\"font-size:28px;margin-bottom:8px;\">\ud83c\udfcd\ufe0f<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:17px;font-weight:800;margin:0 0 6px;\">Motorcycle insurance<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Sport, Touring, Custom<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/insurance-quick-quote\/personal-watercraft-insurance-quick-quote\/\" style=\"display:block;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;\">\n    <div style=\"font-size:28px;margin-bottom:8px;\">\ud83c\udf0a<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:17px;font-weight:800;margin:0 0 6px;\">Personal Watercraft Insurance<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Jet ski, sea-doo, personal watercraft<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/insurance-comparator-4\/\" style=\"display:block;background:#ffffff;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;\">\n    <div style=\"font-size:28px;margin-bottom:8px;\">\ud83d\udcca<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:17px;font-weight:800;margin:0 0 6px;\">Insurance Comparator<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">All products, all regions<\/p>\n  <\/a>\n<\/div>\n\n<section style=\"background:linear-gradient(135deg,#0d1f2d 0%,#1a3a4a 100%);padding:64px 24px;margin:48px 0 0;text-align:center;border-radius:16px;\">\n  <div style=\"max-width:800px;margin:0 auto;\">\n    <h2 class=\"wp-block-heading\" style=\"color:#ffffff;font-size:32px;font-weight:800;margin:0 0 16px;\"><span class=\"ez-toc-section\" id=\"Ready-to-compare-insurers\"><\/span>Ready to compare insurers?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <p style=\"color:#cbd5e1;font-size:18px;line-height:1.6;margin:0 0 32px;\">Get multiple quotes in minutes. No cost, no commitment. <\/p>\n    <div style=\"display:flex;gap:16px;justify-content:center;flex-wrap:wrap;\">\n      <a href=\"https:\/\/www.assur360.ca\/en\/insurance-comparator-4\/\" style=\"display:inline-block;background:#10c4c7;color:#ffffff;font-size:17px;font-weight:700;padding:16px 32px;border-radius:8px;text-decoration:none;box-shadow:0 4px 16px rgba(16,196,199,0.35);\">Get my quotes \u2192<\/a>\n <a href=\"https:\/\/www.assur360.ca\/en\/disaster-emergency\/\" style=\"display:inline-block;background:transparent;color:#ffffff;border:2px solid #ffffff;font-size:17px;font-weight:700;padding:14px 32px;border-radius:8px;text-decoration:none;\">Disaster emergency<\/a>      \n    <\/div>\n  <\/div>\n<\/section>\n\n<script type=\"application\/ld+json\">{\n  \"@context\":\"https:\/\/schema.org\",\n  \"@type\":\"FAQPage\",\n  \"mainEntity\":[\n    {\"@type\":\"Question\",\"name\":\"Quelle est la diff\u00e9rence entre un assureur, un courtier et un agent ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"L'assureur (compagnie) \u00e9met le contrat et paie l'indemnit\u00e9. Le courtier est ind\u00e9pendant et compare plusieurs assureurs pour vous. L'agent repr\u00e9sente une seule compagnie. Les trois sont certifi\u00e9s par l'AMF.\"}},\n    {\"@type\":\"Question\",\"name\":\"Est-ce gratuit de passer par un courtier d'assurance ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui. Les services d'un courtier en assurance de dommages sont gratuits pour le client. Le courtier est r\u00e9mun\u00e9r\u00e9 par une commission vers\u00e9e par l'assureur retenu.\"}},\n    {\"@type\":\"Question\",\"name\":\"Comment fonctionne le comparateur Assur360 ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Assur360 est une plateforme de mise en relation. Vous remplissez un formulaire ; votre demande est transmise \u00e0 un ou plusieurs cabinets partenaires certifi\u00e9s AMF, qui vous soumettent des offres provenant de diff\u00e9rents assureurs. Vous comparez et choisissez.\"}},\n    {\"@type\":\"Question\",\"name\":\"Comment v\u00e9rifier si mon assureur ou courtier est certifi\u00e9 ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Consultez gratuitement le registre des entreprises et repr\u00e9sentants de l'AMF sur lautorite.qc.ca. Vous y trouverez le statut et les disciplines pour lesquelles la personne est autoris\u00e9e.\"}},\n    {\"@type\":\"Question\",\"name\":\"Combien de temps prend une demande de soumission ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Le formulaire prend environ 3 \u00e0 5 minutes. Le courtier partenaire vous rappelle g\u00e9n\u00e9ralement le jour m\u00eame ou le lendemain ouvrable pour valider votre profil et pr\u00e9senter les offres.\"}},\n    {\"@type\":\"Question\",\"name\":\"Suis-je oblig\u00e9 d'accepter une offre ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Non. La d\u00e9marche est sans engagement. Vous \u00eates libre de refuser toutes les offres, de n\u00e9gocier ou de rester avec votre assureur actuel.\"}},\n    {\"@type\":\"Question\",\"name\":\"Puis-je changer d'assureur en cours de contrat ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui, en respectant le pr\u00e9avis de r\u00e9siliation pr\u00e9vu \u00e0 votre contrat (g\u00e9n\u00e9ralement 30 jours). Le remboursement de la prime non utilis\u00e9e est calcul\u00e9 au prorata.\"}},\n    {\"@type\":\"Question\",\"name\":\"Que faire en cas de sinistre ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Contactez imm\u00e9diatement votre assureur ou courtier. Documentez le sinistre (photos, t\u00e9moins, rapport de police au besoin) et consultez la page urgence sinistre d'Assur360.\"}}\n  ]\n}\n<\/script><script type=\"application\/ld+json\">{\n  \"@context\":\"https:\/\/schema.org\",\n  \"@type\":\"BreadcrumbList\",\n  \"itemListElement\":[\n    {\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\/\/www.assur360.ca\/\"},\n    {\"@type\":\"ListItem\",\"position\":2,\"name\":\"Assureur\",\"item\":\"https:\/\/www.assur360.ca\/assureur\/\"}\n  ]\n}\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>Insurance comparison tool in Quebec Insurer in Quebec: Find the right partner for your coverage Quickly compare several insurers through our AMF-certified [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":102502,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_titles_title":"Insurer in Quebec: Independent Insurance Comparison | Assur360","_seopress_titles_desc":"Quickly compare several insurers in Quebec via our AMF-certified partner firms and brokers. 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