{"id":16257,"date":"2019-12-12T17:06:54","date_gmt":"2019-12-12T22:06:54","guid":{"rendered":"https:\/\/www.assur360.ca\/promutuel-insurance-online-quote\/"},"modified":"2026-05-09T21:48:18","modified_gmt":"2026-05-10T01:48:18","slug":"promutuel-insurance-online-quote","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/promutuel-insurance-online-quote\/","title":{"rendered":"Promutuel Insurance: Online Quote"},"content":{"rendered":"\n<style>#ez-toc-container{display:none!important}<\/style>\n\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"InsuranceAgency\", \"name\": \"Assur360\", \"alternateName\": \"Assur360 Cabinet d'assurance\", \"url\": \"https:\/\/www.assur360.ca\/promutuel-assurance\/\", \"logo\": \"https:\/\/www.assur360.ca\/wp-content\/uploads\/2023\/11\/assur360-logo.png\", \"image\": \"https:\/\/www.assur360.ca\/wp-content\/uploads\/2023\/11\/assur360-logo.png\", \"telephone\": \"+1-866-357-4451\", \"priceRange\": \"$$\", \"description\": \"Promutuel parmi 9+ assureurs compar\u00e9s par Assur360. Courtier AMF ind\u00e9pendant, soumission gratuite 3 min pour trouver votre meilleur prix 2026.\", \"address\": {\"@type\": \"PostalAddress\", \"streetAddress\": \"900 Boulevard Frontenac O\", \"addressLocality\": \"Thetford Mines\", \"addressRegion\": \"QC\", \"postalCode\": \"G6G 6L5\", \"addressCountry\": \"CA\"}, \"areaServed\": {\"@type\": \"State\", \"name\": \"Qu\u00e9bec\"}, \"serviceType\": [\"Assurance auto\", \"Assurance habitation\", \"Assurance entreprise\", \"Assurance vie\"]}<\/script>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:17px;line-height:1.8;color:#334155;\">Are you thinking of <strong>Promutuel Insurance<\/strong> for your car, home or business? Great move \u2014 but before you sign, <strong>compare with 30+ other insurers<\/strong> in 3 minutes. At <strong>Assur360<\/strong>, <strong>an AMF-certified brokerage firm<\/strong>, we are independent: we work for you, not for a company. Our brokers analyze Promutuel alongside <strong>Intact, Desjardins, La Capitale, SSQ, Economical, Aviva<\/strong> and 24 others to find your best price in Quebec in 2026. <a href=\"https:\/\/www.assur360.ca\/en\/fast-online-car-quote\/\">Free quote in 3 minutes<\/a>.   <\/p>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">INDEPENDENT COMPARISON<\/p>\n  <h2 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\"><span class=\"ez-toc-section\" id=\"Promutuel-among-9-insurers-%E2%80%94-pay-the-right-price\"><\/span>Promutuel among 9+ insurers \u2014 pay the right price<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Assur360 is an independent AMF broker. We compare the entire market for you. <\/p>\n  <a href=\"https:\/\/www.assur360.ca\/en\/quick-car-quote\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;\">Free quote in 3 minutes<\/a>\n<\/div>\n\n<div style=\"display:grid;grid-template-columns:repeat(4,1fr);gap:0;margin:0 0 40px;border-radius:12px;overflow:hidden;border:1px solid #e2e8f0;\">\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">9+<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Insurers Compared<\/div>\n  <\/div>\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">3 min<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">By Submission<\/div>\n  <\/div>\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">100 %<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Free service<\/div>\n  <\/div>\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">AMF<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Certified firm<\/div>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why-compare-Promutuel-with-30-other-insurers\"><\/span>Why compare Promutuel with 30+ other insurers?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\" style=\"color:#334155;line-height:1.7;\">Promutuel is a well-established Quebec mutual, but it doesn&#8217;t always offer the best price for your specific profile. A broker gives you access to the entire market in a single call. <\/p>\n\n<div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin:32px 0;\">\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udd0e<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Comprehensive Market Comparison<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Promutuel, <strong>Intact, Desjardins, La Capitale, SSQ, Economical, Aviva, Wawanesa, Allstate, Pembridge<\/strong> and 20 others \u2014 all on the same table.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udcb0<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Guaranteed savings<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">On average, our customers save <strong>$200 to $500<\/strong> per year by comparing. Without changing their protections. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83e\udd1d<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">AMF independence<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">We are <strong>not employees of a company<\/strong>. We are standing up for you \u2014 not for any particular insurer. <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Promutuel-Insurance-%E2%80%94-who-is-it-and-what-does-this-Quebec-mutual-offer\"><\/span>Promutuel Insurance \u2014 who is it and what does this Quebec mutual offer?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\" style=\"color:#334155;line-height:1.7;\"><strong>Promutuel Insurance<\/strong> is one of the oldest mutual insurance companies in Quebec. Founded in 1852 in the Quebec City area, it is incorporated as a <strong>mutual cooperative<\/strong> \u2014 which means that the insureds are also the owners. Its head office is in Quebec City and it now serves more than <strong>625,000 members<\/strong> across the province through a dozen regional mutuals (Promutuel Chaudi\u00e8re-Appalaches, Promutuel Montmagny-L&#8217;Islet, Promutuel Portneuf-Champlain, etc.).  <\/p>\n\n<p class=\"wp-block-paragraph\" style=\"color:#334155;line-height:1.7;\">The mutual essentially offers three lines of insurance in Quebec:<\/p>\n\n<div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin:24px 0;\">\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:10px;padding:22px;\">\n    <h3 style=\"color:#0d1f2d;font-size:17px;margin:0 0 8px;\">\ud83d\ude97 Cars &#038; Vehicles<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Private car, recreational vehicle (RV, motorcycle, snowmobile, ATV), commercial vehicle, fleet.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:10px;padding:22px;\">\n    <h3 style=\"color:#0d1f2d;font-size:17px;margin:0 0 8px;\">\ud83c\udfe1 Housing<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">House, cottage, condo, condominium, rental unit, income property.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:10px;padding:22px;\">\n    <h3 style=\"color:#0d1f2d;font-size:17px;margin:0 0 8px;\">\ud83c\udfe2 Business &#038; Agricultural<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">SMEs, trade, light industry, farming, professional liability.<\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Promutuel-Insurances-strengths-and-limitations-%E2%80%94-a-brokers-perspective\"><\/span>Promutuel Insurance&#8217;s strengths and limitations \u2014 a broker&#8217;s perspective<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\" style=\"color:#334155;line-height:1.7;\">As an independent broker that places thousands of policies in Quebec every year, here&#8217;s our honest reading of what Promutuel does well \u2014 and not so well.<\/p>\n\n<div style=\"display:grid;grid-template-columns:1fr 1fr;gap:24px;margin:32px 0;\">\n  <div style=\"background:#f0fdfa;border:1px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 16px;\">\u2705 Promutuel&#8217;s strengths<\/h3>\n    <ul style=\"color:#334155;font-size:14px;line-height:1.8;margin:0;padding-left:20px;\">\n      <li><strong>Quebec anchoring<\/strong> \u2014 decisions made here, without a foreign head office.<\/li>\n      <li><strong>Mutual model<\/strong> : members sometimes benefit from annual dividends based on financial results.<\/li>\n      <li><strong>Proximity to the field<\/strong> \u2014 regional offices in medium-sized cities (Thetford Mines, Rimouski, La Pocati\u00e8re, Saint-Hyacinthe, etc.).<\/li>\n      <li><strong>Appetite for rural and agricultural risks<\/strong> \u2014 often better than the major urban insurers for second homes, cottages, farms.<\/li>\n      <li>Generally highly rated <strong>claims service<\/strong> on residential fire and water damage.<\/li>\n    <\/ul>\n  <\/div>\n  <div style=\"background:#fef2f2;border:1px solid #fecaca;border-radius:12px;padding:28px;\">\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 16px;\">\u26a0\ufe0f Observed limitations<\/h3>\n    <ul style=\"color:#334155;font-size:14px;line-height:1.8;margin:0;padding-left:20px;\">\n      <li><strong>Car prices are often less competitive<\/strong> than Intact, Belair or Desjardins for young drivers and large urban vehicles.<\/li>\n      <li><strong>Reduced appetite<\/strong> for drivers with SAAQ violations or an imperfect insurance record.<\/li>\n      <li><strong>Digital tools are less advanced<\/strong> than those of some direct competitors (mobile apps, telematics).<\/li>\n      <li><strong>Multi-product auto+home discounts<\/strong> sometimes less generous than the competition.<\/li>\n      <li>Not always the best choice for <strong>downtown condos<\/strong> or <strong>multi-unit buildings<\/strong>.<\/li>\n    <\/ul>\n  <\/div>\n<\/div>\n\n<p class=\"wp-block-paragraph\" style=\"color:#334155;line-height:1.7;\">Conclusion: Promutuel is a <strong>good Quebec insurer<\/strong>, but it is <strong>not automatically the cheapest<\/strong> for your profile. Hence the interest in a comparison with 9 other insurers before signing or renewing. <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How-does-an-Assur360-comparison-work\"><\/span>How does an Assur360 comparison work?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:flex;flex-direction:column;gap:20px;margin:32px 0;\">\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">1<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;font-size:17px;\">Request your quote online<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Simple form \u2014 your vehicle or home information. 3 minutes top. <\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">2<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;font-size:17px;\">A human broker calls you back<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Not a chatbot. A real AMF broker who discusses your profile and checks the applicable discounts. <\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">3<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;font-size:17px;\">You receive 2-3 best offers<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Out of 9+ insurers, we select the 2-3 most advantageous with the right coverage.<\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">4<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;font-size:17px;\">You choose, we take care of the rest<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Electronic signature, cancellation of your old policy, transfer of loyalty discounts. Proof issued within 24 hours. <\/p><\/div>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d2d2d,#0a2a2a);border:2px solid #10c4c7;border-radius:12px;padding:24px;margin:32px 0;display:flex;gap:16px;align-items:flex-start;\">\n  <div style=\"font-size:28px;flex-shrink:0;\">\ud83d\udca1<\/div>\n  <div>\n    <p style=\"color:#10c4c7;font-weight:700;font-size:16px;margin:0 0 8px;\">Assur360 Transparency<\/p>\n    <p style=\"color:#94a3b8;font-size:14px;margin:0;line-height:1.6;\">We don&#8217;t gain <strong style=\"color:#ffffff;\">anything extra<\/strong> by placing you with one insurer over another. Our remuneration comes from the final insurer you choose, always within a standard range. Our only interest: <strong style=\"color:#ffffff;\">to satisfy you so that you renew with us<\/strong>.  <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2026-Average-Auto-and-Home-Rates-in-Quebec\"><\/span>2026 Average Auto and Home Rates in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"overflow-x:auto;margin:32px 0;\">\n  <table style=\"width:100%;border-collapse:collapse;font-size:14px;\">\n    <thead><tr style=\"background:#0d1f2d;color:#ffffff;\"><th style=\"padding:14px 16px;text-align:left;border:none;\">Product<\/th><th style=\"padding:14px 16px;text-align:left;border:none;\">Profile<\/th><th style=\"padding:14px 16px;text-align:left;border:none;\">Average annual bonus*<\/th><\/tr><\/thead>\n    <tbody><tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Car Insurance<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Driver 35-54 years old, clean record, sedan<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$780 \u2013 $1,080<\/td><\/tr><tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Car Insurance<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Youth 18-24 years old, compact<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$1,850 \u2013 $2,780<\/td><\/tr><tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Homeowner Insurance<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$300,000, Montreal<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$820 \u2013 $1,220<\/td><\/tr><tr style=\"background:#ffffff;\">Condo <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Home Insurance<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$250,000, Quebec<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$420 \u2013 $620<\/td><\/tr><tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">Car + Home Combo<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">Couple 40-55 years old, good records<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$1,480 \u2013 $1,820 (combined)<\/td><\/tr><\/tbody>\n  <\/table>\n<\/div>\n\n<p class=\"wp-block-paragraph\" style=\"color:#64748b;font-size:13px;font-style:italic;text-align:center;\">*Indicative rates 2026. <a href=\"https:\/\/www.assur360.ca\/en\/fast-online-car-quote\/\">Get your exact price in 3 minutes<\/a>.<\/p>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">FREE COMPARISON<\/p>\n  <h3 style=\"color:#ffffff;font-size:26px;margin:0 0 16px;\">Promutuel or other \u2014 find the right price in 3 minutes<\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">An AMF broker will call you back within one business hour. 9+ insurers at your disposal. <\/p>\n  <a href=\"https:\/\/www.assur360.ca\/en\/quick-car-quote\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;\">Compare 9+ insurers<\/a>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Promutuel-vs-Intact-Desjardins-TD-and-Belair-%E2%80%94-Direct-Comparison\"><\/span>Promutuel vs. Intact, Desjardins, TD and Belair \u2014 Direct Comparison<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\" style=\"color:#334155;line-height:1.7;\">Here&#8217;s how Promutuel Insurance stacks up against the 4 major Quebec insurers that we compare most frequently for Assur360 customers. This data reflects general trends observed on our 2025-2026 records \u2014 your final price always depends on your individual profile. <\/p>\n\n<div style=\"overflow-x:auto;margin:24px 0;\">\n  <table style=\"width:100%;border-collapse:collapse;font-size:14px;background:#fff;border-radius:12px;overflow:hidden;box-shadow:0 2px 8px rgba(0,0,0,.05);\">\n    <thead>\n      <tr style=\"background:#0d1f2d;color:#fff;\">\n        <th style=\"padding:14px 12px;text-align:left;\">Criterion<\/th>\n        <th style=\"padding:14px 12px;text-align:center;\">Promutuel<\/th>\n        <th style=\"padding:14px 12px;text-align:center;\">Intact<\/th>\n        <th style=\"padding:14px 12px;text-align:center;\">Desjardins<\/th>\n        <th style=\"padding:14px 12px;text-align:center;\">TD Insurance<\/th>\n        <th style=\"padding:14px 12px;text-align:center;\">Belair<\/th>\n      <\/tr>\n    <\/thead>\n    <tbody>\n      <tr style=\"border-bottom:1px solid #e2e8f0;\">\n        <td style=\"padding:12px;font-weight:600;color:#0d1f2d;\">Quebec roots<\/td>\n        <td style=\"padding:12px;text-align:center;color:#0d1f2d;font-weight:700;\">\u2605\u2605\u2605\u2605\u2605<\/td>\n        <td style=\"padding:12px;text-align:center;color:#64748b;\">\u2605\u2605\u2605<\/td>\n        <td style=\"padding:12px;text-align:center;color:#64748b;\">\u2605\u2605\u2605\u2605<\/td>\n        <td style=\"padding:12px;text-align:center;color:#64748b;\">\u2605\u2605<\/td>\n        <td style=\"padding:12px;text-align:center;color:#64748b;\">\u2605\u2605\u2605<\/td>\n      <\/tr>\n      <tr style=\"border-bottom:1px solid #e2e8f0;background:#f8fafc;\">\n        <td style=\"padding:12px;font-weight:600;color:#0d1f2d;\">Urban car price<\/td>\n        <td style=\"padding:12px;text-align:center;color:#64748b;\">\u2605\u2605\u2605<\/td>\n        <td style=\"padding:12px;text-align:center;color:#0d1f2d;font-weight:700;\">\u2605\u2605\u2605\u2605<\/td>\n        <td style=\"padding:12px;text-align:center;color:#0d1f2d;font-weight:700;\">\u2605\u2605\u2605\u2605<\/td>\n        <td style=\"padding:12px;text-align:center;color:#64748b;\">\u2605\u2605\u2605<\/td>\n        <td style=\"padding:12px;text-align:center;color:#0d1f2d;font-weight:700;\">\u2605\u2605\u2605\u2605\u2605<\/td>\n      <\/tr>\n      <tr style=\"border-bottom:1px solid #e2e8f0;\">\n        <td style=\"padding:12px;font-weight:600;color:#0d1f2d;\">Rural\/Agricultural Hazards<\/td>\n        <td style=\"padding:12px;text-align:center;color:#0d1f2d;font-weight:700;\">\u2605\u2605\u2605\u2605\u2605<\/td>\n        <td style=\"padding:12px;text-align:center;color:#64748b;\">\u2605\u2605\u2605<\/td>\n        <td style=\"padding:12px;text-align:center;color:#64748b;\">\u2605\u2605<\/td>\n        <td style=\"padding:12px;text-align:center;color:#64748b;\">\u2605\u2605<\/td>\n        <td style=\"padding:12px;text-align:center;color:#64748b;\">\u2605\u2605<\/td>\n      <\/tr>\n      <tr style=\"border-bottom:1px solid #e2e8f0;background:#f8fafc;\">\n        <td style=\"padding:12px;font-weight:600;color:#0d1f2d;\">Young drivers<\/td>\n        <td style=\"padding:12px;text-align:center;color:#64748b;\">\u2605\u2605<\/td>\n        <td style=\"padding:12px;text-align:center;color:#64748b;\">\u2605\u2605\u2605<\/td>\n        <td style=\"padding:12px;text-align:center;color:#64748b;\">\u2605\u2605\u2605<\/td>\n        <td style=\"padding:12px;text-align:center;color:#64748b;\">\u2605\u2605\u2605<\/td>\n        <td style=\"padding:12px;text-align:center;color:#0d1f2d;font-weight:700;\">\u2605\u2605\u2605\u2605<\/td>\n      <\/tr>\n      <tr style=\"border-bottom:1px solid #e2e8f0;\">\n        <td style=\"padding:12px;font-weight:600;color:#0d1f2d;\">Digital tools<\/td>\n        <td style=\"padding:12px;text-align:center;color:#64748b;\">\u2605\u2605<\/td>\n        <td style=\"padding:12px;text-align:center;color:#0d1f2d;font-weight:700;\">\u2605\u2605\u2605\u2605<\/td>\n        <td style=\"padding:12px;text-align:center;color:#0d1f2d;font-weight:700;\">\u2605\u2605\u2605\u2605\u2605<\/td>\n        <td style=\"padding:12px;text-align:center;color:#0d1f2d;font-weight:700;\">\u2605\u2605\u2605\u2605<\/td>\n        <td style=\"padding:12px;text-align:center;color:#64748b;\">\u2605\u2605\u2605<\/td>\n      <\/tr>\n      <tr style=\"border-bottom:1px solid #e2e8f0;background:#f8fafc;\">\n        <td style=\"padding:12px;font-weight:600;color:#0d1f2d;\">Dividends<\/td>\n        <td style=\"padding:12px;text-align:center;color:#0d1f2d;font-weight:700;\">\u2605\u2605\u2605\u2605 (mutual)<\/td>\n        <td style=\"padding:12px;text-align:center;color:#64748b;\">\u2013<\/td>\n        <td style=\"padding:12px;text-align:center;color:#64748b;\">\u2013<\/td>\n        <td style=\"padding:12px;text-align:center;color:#64748b;\">\u2013<\/td>\n        <td style=\"padding:12px;text-align:center;color:#64748b;\">\u2013<\/td>\n      <\/tr>\n      <tr>\n        <td style=\"padding:12px;font-weight:600;color:#0d1f2d;\">Claims Service<\/td>\n        <td style=\"padding:12px;text-align:center;color:#0d1f2d;font-weight:700;\">\u2605\u2605\u2605\u2605<\/td>\n        <td style=\"padding:12px;text-align:center;color:#0d1f2d;font-weight:700;\">\u2605\u2605\u2605\u2605<\/td>\n        <td style=\"padding:12px;text-align:center;color:#0d1f2d;font-weight:700;\">\u2605\u2605\u2605\u2605<\/td>\n        <td style=\"padding:12px;text-align:center;color:#64748b;\">\u2605\u2605\u2605<\/td>\n        <td style=\"padding:12px;text-align:center;color:#64748b;\">\u2605\u2605\u2605<\/td>\n      <\/tr>\n    <\/tbody>\n  <\/table>\n<\/div>\n\n<p class=\"wp-block-paragraph\" style=\"color:#64748b;font-size:13px;font-style:italic;\">Qualitative assessment based on the files processed at Assur360 in 2025-2026. Positioning may vary depending on your region, vehicle, and profile. <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How-to-change-or-cancel-your-Promutuel-policy-safely\"><\/span>How to change or cancel your Promutuel policy safely<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\" style=\"color:#334155;line-height:1.7;\">If your Assur360 broker finds you a better deal, here&#8217;s how to make the transition without interruption of coverage or surprise penalty:<\/p>\n\n<div style=\"display:flex;flex-direction:column;gap:16px;margin:24px 0;\">\n  <div style=\"display:flex;gap:16px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:32px;height:32px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:14px;flex-shrink:0;\">1<\/div>\n    <div><strong style=\"color:#0d1f2d;\">First, get your new quote signed.<\/strong><p style=\"color:#334155;margin:4px 0 0;font-size:14px;line-height:1.6;\">NEVER cancel Promutuel before you have an effective replacement contract. An interruption in coverage, even for one day, can affect your insurance record for 5 years. <\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:16px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:32px;height:32px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:14px;flex-shrink:0;\">2<\/div>\n    <div><strong style=\"color:#0d1f2d;\">Send a written notice of termination to Promutuel.<\/strong><p style=\"color:#334155;margin:4px 0 0;font-size:14px;line-height:1.6;\">By email or registered mail, specifying the effective date. Your Assur360 broker can write the notice for you and synchronize the dates to the minute. <\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:16px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:32px;height:32px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:14px;flex-shrink:0;\">3<\/div>\n    <div><strong style=\"color:#0d1f2d;\">Receive your prorated refund.<\/strong><p style=\"color:#334155;margin:4px 0 0;font-size:14px;line-height:1.6;\">Promutuel will refund the unused portion of the premium. Note that some policies have an administrative fee of 5-10% on the balance. <\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:16px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:32px;height:32px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:14px;flex-shrink:0;\">4<\/div>\n    <div><strong style=\"color:#0d1f2d;\">Keep your loyalty history.<\/strong><p style=\"color:#334155;margin:4px 0 0;font-size:14px;line-height:1.6;\">Your loss-free years and loyalty discounts remain with you, not with Promutuel. Your broker automatically transfers them to the new insurer. <\/p><\/div>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Types-of-insurance-compared-by-Assur360\"><\/span>Types of insurance compared by Assur360<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin:32px 0;\">\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\ude97<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\"><a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-3-minute-quote\/\" style=\"color:inherit;text-decoration:none;border-bottom:1px dotted currentColor;\">Car insurance<\/a><\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Liability, collision, all risks. 9+ insurers compared.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83c\udfe1<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Home insurance<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">House, condo, tenant, secondary. Full coverage + key endorsements. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83c\udfe2<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Business Insurance<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Commercial, cyber, professional liability, machine breakdown.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udc99<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Life insurance<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Temporary, permanent, disability, critical illness.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\ude90<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">RV, motorhome, motorhome<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Seasonal or annual coverage, with travel coverage.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83c\udfcd\ufe0f<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Motorbike, quad, snowmobile, boat<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Optimized leisure policies with options for Quebec.<\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Service-throughout-Quebec\"><\/span>Service throughout Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\" style=\"color:#334155;line-height:1.7;\">Assur360 serves all major regions: <strong>Montreal<\/strong>, <strong>Quebec City<\/strong>, <strong>Laval<\/strong>, <strong>Gatineau<\/strong>, <strong>Sherbrooke<\/strong>, <strong>Trois-Rivi\u00e8res<\/strong>, <strong>Saguenay<\/strong>, <strong>Thetford Mines<\/strong> (head office) and <strong>Drummondville<\/strong>. By phone, email or in person at our regional offices. <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Related-articles-and-useful-pages\"><\/span>Related articles and useful pages<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:20px;margin:32px 0;\">\n  <a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-3-minute-quote\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Car insurance \u2014 a complete guide<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Everything you need to know about your car policy in Quebec.<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/rsa-insurance-acquisition\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">RSA Insurance Comparison<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Discover RSA among the 9+ insurers compared by Assur360.<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-renewal\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Car insurance renewal<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">How to negotiate your renewal and save each year.<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-3-minute-quote\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">12 tips to save money<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Concrete strategies to reduce your premium in 2026.<\/p>\n  <\/a>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently-asked-questions-%E2%80%94-Promutuel-and-independent-brokers\"><\/span>Frequently asked questions \u2014 Promutuel and independent brokers<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"margin:32px 0;\">\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Does Assur360 represent Promutuel Insurance?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Assur360 is an <strong>independent AMF certified broker<\/strong>. We compare more than 9 insurers for you. Promutuel is one of the recognized Quebec insurers, but our role is to find you <strong>the best price<\/strong> among the entire market, not to promote a single company.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Why go through a broker rather than go directly to Promutuel?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">A direct insurer can only offer you its own rates. An Assur360 broker compares <strong>30+ companies in a single request<\/strong>. You save time, you see all your choices, and you save an average of <strong>$200 to $500<\/strong> per year.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">What types of insurance can I get?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Auto, home, business, life, RV, motorcycle, boat, quad, snowmobile, cyber, professional liability. <a href=\"https:\/\/www.assur360.ca\/en\/fast-online-car-quote\/\">Request your quote<\/a> by choosing your product.<\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">How long does it take to get a quote with Assur360?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">The online form takes <strong>3 minutes<\/strong>. A broker will call you back within the working hour with the best offers from the 9+ insurers compared. <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Can my Assur360 broker find me a better price than today?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">In the majority of cases, yes. Our clients save an average of <strong>$200 to $500 per year<\/strong> on the first call. The service is <strong>free<\/strong> for you \u2014 we are paid by the insurer of your choice.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">What multi-product discounts can I get?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Depending on the company: car + home = <strong>10 to 15% off<\/strong>, car + RV = 8%, car + home + life = up to 18%. Your broker automatically accumulates them. <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Can I change insurer during the course of the policy?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Yes, at all times. You receive a prorated refund for unused days. <strong>Never cut your policy until you&#8217;ve signed the new one<\/strong> \u2014 your broker syncs the dates. <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">How do I report a claim with Assur360?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Call your insurer first to open the claim (number on your policy). Then, our team will accompany you with any questions or to assert your rights. See also our <a href=\"https:\/\/www.assur360.ca\/en\/disaster-emergency\/\">disaster emergency guide<\/a>.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">What are the recommended home insurance coverages in 2026?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Civil liability $2 million minimum, replacement cost for the residence, water damage endorsement, identity theft endorsement, earthquake insurance if you are in a risk area. A broker assesses your actual exposure. <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Is Promutuel more expensive than Intact or Desjardins in 2026?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">It depends on your profile. For a 35-55 year old rural driver with a house in the region and a clean record, <strong>Promutuel is often competitive<\/strong>. For a young urban driver or a condo in Montreal, Intact, Belair or Desjardins are frequently cheaper. An Assur360 comparison gives you the exact price in 3 minutes.   <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">What is a Promutuel rebate and do I always get them?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">As a mutual insurance company, Promutuel can pay an <strong>annual dividend<\/strong> to its members when financial results permit. It&#8217;s <strong>not guaranteed<\/strong> and varies from year to year \u2014 often from 2% to 5% of the premium. Compare this with the immediate savings ($200-500) that a broker can find you by switching insurers.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Can I keep Promutuel for my home and change to the car?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Yes, it is quite possible. Be careful, however: you <strong>lose the Promutuel multi-product discount<\/strong> (usually 10-15%). Your Assur360 broker will do the full math to see if the savings on the car outweigh the loss of the combined discount. Sometimes yes, sometimes no\u2014hence the value of a personalized analysis.   <\/div>\n<\/details>\n<\/div>\n\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"FAQPage\", \"mainEntity\": [{\"@type\": \"Question\", \"name\": \"Assur360 repr\u00e9sente-t-il Promutuel Assurance ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Assur360 est un <strong>courtier ind\u00e9pendant certifi\u00e9 AMF. Nous comparons plus de 9 assureurs pour vous. Promutuel est l'un des assureurs qu\u00e9b\u00e9cois reconnus, mais notre r\u00f4le est de vous trouver <\/strong><strong>le meilleur prix parmi l'ensemble du march\u00e9, pas de promouvoir une seule compagnie.\"}}, {\"@type\": \"Question\", \"name\": \"Pourquoi passer par un courtier plut\u00f4t qu'aller directement chez Promutuel ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Un assureur direct ne peut vous offrir que ses propres tarifs. Un courtier Assur360 compare <\/strong><strong>30+ compagnies en une seule demande. Vous gagnez du temps, vous voyez tous vos choix et vous \u00e9conomisez en moyenne <\/strong><strong>200 $ \u00e0 500 $ par ann\u00e9e.\"}}, {\"@type\": \"Question\", \"name\": \"Quels sont les types d'assurance que je peux obtenir ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Auto, habitation, entreprise, vie, VR, moto, bateau, quad, motoneige, cyber, responsabilit\u00e9 professionnelle. <a href=\\\"\/soumission-auto-rapide-en-ligne\/\\\">Demandez votre soumission en choisissant votre produit.\"}}, {\"@type\": \"Question\", \"name\": \"Combien de temps prend une soumission avec Assur360 ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Le formulaire en ligne prend <strong>3 minutes. Un courtier vous rappelle dans l'heure ouvrable avec les meilleures offres des 9+ assureurs compar\u00e9s.\"}}, {\"@type\": \"Question\", \"name\": \"Mon courtier Assur360 peut-il me trouver un meilleur prix qu'aujourd'hui ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Dans la majorit\u00e9 des cas, oui. Nos clients \u00e9conomisent en moyenne <\/strong><strong>200 $ \u00e0 500 $ par ann\u00e9e au premier appel. Le service est <\/strong><strong>gratuit pour vous \u2014 nous sommes r\u00e9mun\u00e9r\u00e9s par l'assureur choisi.\"}}, {\"@type\": \"Question\", \"name\": \"Quels rabais multi-produits puis-je obtenir ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Selon la compagnie : auto + habitation = <\/strong><strong>10 \u00e0 15 % de rabais, auto + VR = 8 %, auto + habitation + vie = jusqu'\u00e0 18 %. Votre courtier les cumule automatiquement.\"}}, {\"@type\": \"Question\", \"name\": \"Puis-je changer d'assureur en cours de police ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui, en tout temps. Vous recevez un remboursement prorata des jours non utilis\u00e9s. <\/strong><strong>Ne coupez jamais votre police avant d'avoir sign\u00e9 la nouvelle \u2014 votre courtier synchronise les dates.\"}}, {\"@type\": \"Question\", \"name\": \"Comment d\u00e9clarer un sinistre avec Assur360 ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Appelez votre assureur en premier pour ouvrir la r\u00e9clamation (num\u00e9ro sur votre police). Ensuite, notre \u00e9quipe vous accompagne pour toute question ou pour faire valoir vos droits. Voir aussi notre <a href=\\\"\/urgence-sinistre\/\\\">guide urgence sinistre.\"}}, {\"@type\": \"Question\", \"name\": \"Quelles sont les couvertures d'assurance habitation recommand\u00e9es en 2026 ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Responsabilit\u00e9 civile 2 M$ minimum, valeur \u00e0 neuf pour la r\u00e9sidence, avenant d\u00e9g\u00e2t d'eau, avenant vol identitaire, assurance tremblement de terre si vous \u00eates en zone \u00e0 risque. Un courtier \u00e9value votre exposition r\u00e9elle.\"}}, {\"@type\": \"Question\", \"name\": \"Promutuel est-il plus cher qu'Intact ou Desjardins en 2026 ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"\u00c7a d\u00e9pend de votre profil. Pour un conducteur rural de 35-55 ans avec une maison en r\u00e9gion et un dossier propre, Promutuel est souvent comp\u00e9titif. Pour un jeune conducteur urbain ou un condo \u00e0 Montr\u00e9al, Intact, Belair ou Desjardins sont fr\u00e9quemment moins chers.\"}}, {\"@type\": \"Question\", \"name\": \"Qu'est-ce qu'une ristourne Promutuel et en obtient-on toujours ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Comme mutuelle, Promutuel peut verser une ristourne annuelle (un dividende) \u00e0 ses membres lorsque les r\u00e9sultats financiers le permettent. Ce n'est pas garanti et varie d'une ann\u00e9e \u00e0 l'autre \u2014 souvent de 2 % \u00e0 5 % de la prime.\"}}, {\"@type\": \"Question\", \"name\": \"Puis-je garder Promutuel pour ma maison et changer pour l'auto ?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Oui, c'est possible. Attention toutefois : vous perdez le rabais multi-produits Promutuel (habituellement 10-15 %). Votre courtier Assur360 fera le calcul complet pour v\u00e9rifier si l'\u00e9conomie sur l'auto d\u00e9passe la perte du rabais combin\u00e9.\"}}]}<!-- wpml:html_fragment <\/a><\/strong><\/a><\/strong><\/script>  -->\n\n<div style=\"background:#f0fdfa;border:1px solid #10c4c7;border-radius:12px;padding:28px;margin:32px 0;\">\n  <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 16px;\">Why trust Assur360?<\/h3>\n  <div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:12px;\">\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>AMF<\/strong> certified firm<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>ChAD<\/strong> and CSF members<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\">More than <strong>100,000 submissions processed<\/strong><\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>9+ insurers<\/strong> compared in 3 minutes<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>Independent<\/strong> brokers at your service<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>100% Quebec<\/strong> service<\/span><\/div>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">FREE QUOTE<\/p>\n  <h3 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\">Promutuel or another insurer \u2014 find your best price<\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">30+ companies compared in 3 minutes. AMF broker, 100% free service. <\/p>\n  <a href=\"https:\/\/www.assur360.ca\/en\/quick-car-quote\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;margin:8px;\">Get My Quote<\/a>\n  <a href=\"tel:+18663574451\" style=\"background:transparent;color:#ffffff;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;border:2px solid #ffffff;margin:8px;\">Call a broker<\/a>\n<\/div>\n\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"BreadcrumbList\", \"itemListElement\": [{\"@type\": \"ListItem\", \"position\": 1, \"name\": \"Accueil\", \"item\": \"https:\/\/www.assur360.ca\/\"}, {\"@type\": \"ListItem\", \"position\": 2, \"name\": \"Assureurs\", \"item\": \"https:\/\/www.assur360.ca\/\"}, {\"@type\": \"ListItem\", \"position\": 3, \"name\": \"Promutuel\", \"item\": \"https:\/\/www.assur360.ca\/promutuel-assurance\/\"}]}<\/script>\n","protected":false},"excerpt":{"rendered":"<p>Are you thinking of Promutuel Insurance for your car, home or business? 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