{"id":15525,"date":"2023-08-28T13:15:01","date_gmt":"2023-08-28T17:15:01","guid":{"rendered":"https:\/\/www.assur360.ca\/blog\/non-categorise\/car-insurance-no-case-refuse\/"},"modified":"2026-04-17T20:02:58","modified_gmt":"2026-04-18T00:02:58","slug":"car-insurance-no-case-refuse","status":"publish","type":"post","link":"https:\/\/www.assur360.ca\/en\/blog\/quote-online-comparator\/car-insurance-no-case-refuse\/","title":{"rendered":"Car insurance no case refuse"},"content":{"rendered":"\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"Article\", \"@id\": \"https:\/\/www.assur360.ca\/blog\/soumission\/assurance-auto-aucun-cas-refuser\/#article\", \"headline\": \"Assurance auto aucun cas refuser\", \"url\": \"https:\/\/www.assur360.ca\/blog\/soumission\/assurance-auto-aucun-cas-refuser\/\", \"datePublished\": \"2023-08-28T13:15:01\", \"dateModified\": \"2026-03-24T00:48:09\", \"author\": {\"@type\": \"Person\", \"name\": \"Jean Boissonneault\", \"url\": \"https:\/\/www.assur360.ca\/blog\/author\/admin\/\", \"description\": \"Jean Boissonneault est courtier d'assurance de dommages associ\u00e9 depuis plus de 30 ans au Qu\u00e9bec et propri\u00e9taire d'Assur360.\", \"hasCredential\": {\"@type\": \"EducationalOccupationalCredential\", \"credentialCategory\": \"Permis de cabinet en assurance de dommages\", \"recognizedBy\": {\"@type\": \"Organization\", \"name\": \"Autorit\u00e9 des march\u00e9s financiers\", \"url\": \"https:\/\/lautorite.qc.ca\"}}}, \"publisher\": {\"@type\": \"Organization\", \"name\": \"Assur360\", \"url\": \"https:\/\/www.assur360.ca\", \"logo\": {\"@type\": \"ImageObject\", \"url\": \"https:\/\/www.assur360.ca\/wp-content\/uploads\/2024\/01\/assur360-logo.png\", \"width\": 200, \"height\": 60}}, \"inLanguage\": \"fr-CA\", \"isPartOf\": {\"@type\": \"WebSite\", \"url\": \"https:\/\/www.assur360.ca\", \"name\": \"Assur360\"}, \"description\": \"Obtenez une assurance auto, m\u00eame dans les situations difficiles. Nous offrons des solutions pour tous les profils, aucun cas refus\u00e9. Comparer maintenant!\"}\n<\/script>\n\n<div style=\"height:53px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 ez-toc-wrap-center counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">sommaire interactif<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #5b5b5b;color:#5b5b5b\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #5b5b5b;color:#5b5b5b\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.assur360.ca\/en\/blog\/quote-online-comparator\/car-insurance-no-case-refuse\/#Car-insurance-solution-no-case-refused-or-almost\" >Car insurance solution: no case refused (or almost)!<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.assur360.ca\/en\/blog\/quote-online-comparator\/car-insurance-no-case-refuse\/#The-Antecedents-Challenge\" >The Antecedents Challenge<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.assur360.ca\/en\/blog\/quote-online-comparator\/car-insurance-no-case-refuse\/#The-Budget-Challenge\" >The Budget Challenge<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.assur360.ca\/en\/blog\/quote-online-comparator\/car-insurance-no-case-refuse\/#The-Broker-Solution\" >The Broker Solution<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.assur360.ca\/en\/blog\/quote-online-comparator\/car-insurance-no-case-refuse\/#Conclusion\" >Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Car-insurance-solution-no-case-refused-or-almost\"><\/span>Car insurance solution: no case refused (or almost)!<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Hey drivers looking for <strong>hassle-free car insurance solutions<\/strong> ! We all know that finding car insurance can sometimes seem complicated, especially if you&#8217;ve been in trouble in the past. But guess what? There are solutions for almost every case. In this article, we&#8217;ll walk you through the options that allow you to get <a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-3-minute-quote\/\">car insurance<\/a>, even when you&#8217;ve struggled. Yes, it is possible, and we are here to explain how.    <\/p>\n<\/blockquote>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The-Antecedents-Challenge\"><\/span>The Antecedents Challenge<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<figure class=\"wp-block-image\"><a href=\"https:\/\/www.assur360.ca\/wp-content\/uploads\/2023\/08\/aucun-cas-refuse.png\"><img decoding=\"async\" width=\"1766\" height=\"550\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_webp,s_webp\/www.assur360.ca\/wp-content\/uploads\/2023\/08\/aucun-cas-refuse.png\" alt=\"Automobile no case refused\" class=\"wp-image-7735\"  sizes=\"(max-width: 1766px) 100vw, 1766px\" \/><\/a><\/figure>\n\n<h3 class=\"wp-block-heading\">1. No Panic<\/h3>\n\n<p>No matter what trouble you may have encountered on the road, keep calm. There are insurance companies that understand that anyone can deal with <strong>difficult situations<\/strong>. No need to worry, there&#8217;s hope for getting the coverage you need.  <\/p>\n\n<h3 class=\"wp-block-heading\">2. Specialized companies<\/h3>\n\n<p>Imagine you need a tailor-made solution for your car insurance. Well, some insurance companies specialize in covering drivers who are considered &#8220;at risk&#8221;. They are ready to assess your individual situation and find the best option for you.  <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The-Budget-Challenge\"><\/span>The Budget Challenge<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<h3 class=\"wp-block-heading\">1. Payment Flexibility<\/h3>\n\n<p>You don&#8217;t have to empty your bank account to get car insurance. Many insurance companies offer <strong>flexible payment<\/strong> plans, which means you can spread your payments over several months rather than paying for everything at once. <\/p>\n\n<h3 class=\"wp-block-heading\">2. Coverage Options<\/h3>\n\n<p>If you&#8217;re on a tight budget, don&#8217;t worry. There are more affordable coverage options that allow you to meet your legal obligations while saving money. Talk to an <a title=\"Insurance Broker\" href=\"https:\/\/www.assur360.ca\/en\/blog\/home-insurance-in-quebec-2\/my-insurance-broker-2\/\" target=\"_blank\" rel=\"noopener\">insurance<\/a> broker to find the best option for you.  <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The-Broker-Solution\"><\/span>The Broker Solution<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<h3 class=\"wp-block-heading\">1. The Confident Companion<\/h3>\n\n<p>Your best friend in this hassle-free quest for insurance? An insurance broker. These experts know the companies that are open to drivers with less-than-ideal backgrounds. They do the research work for you and guide you to the most suitable options.   <\/p>\n\n<h3 class=\"wp-block-heading\">2. Preparation and Patience<\/h3>\n\n<p>Finding the perfect solution can take a little time. Be prepared to provide information about your driving history and be patient while your broker explores options. The good news is that patience can lead to affordable and suitable car insurance.  <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span>Conclusion<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p>There you have it, determined drivers! Car insurance <strong>with no ( <\/strong>or almost) refused cases is within your reach. No matter your past on the road, there are solutions to get the right coverage. With specialized companies, flexible options, and the help of an insurance broker, you can drive with confidence and hassle-free. So, let&#8217;s move on to <strong>tailor-made and affordable car insurance<\/strong> !    <\/p>\n\n<div class=\"wp-block-wpseopress-faq-block-v2 is-layout-flow wp-block-wpseopress-faq-block-v2-is-layout-flow\">\n<details id=\"qui-est-considere-comme-difficile-a-assurer\" class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>Who is considered &#8220;hard to insure&#8221;?<\/summary>\n<p>People with cancellation for non-payment, multiple claims or claims close together, a busy offence record (e.g. speeding, cell phone), licence suspension, history of alcohol\/drug driving, long insurance interruption, heavily modified vehicle or non-standard use (delivery, professional carpooling).<\/p>\n<\/details>\n\n\n\n<details id=\"on-ma-refuse-puis-je-tout-de-meme-etre-assure\" class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>I was refused. Can I still be insured? <\/summary>\n<p>Yes. Your broker can place you with specialist insurers <strong>or<\/strong> via a <strong>risk distribution plan<\/strong> (residual market). The premium is higher initially, but you can <strong>return to the standard market<\/strong> after an uneventful period. <\/p>\n<\/details>\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"url\":\"https:\/\/www.assur360.ca\/blog\/soumission\/assurance-auto-aucun-cas-refuser\/\",\"@id\":\"https:\/\/www.assur360.ca\/blog\/soumission\/assurance-auto-aucun-cas-refuser\/\",\"mainEntity\":[{\"@type\":\"Question\",\"url\":\"https:\/\/www.assur360.ca\/blog\/soumission\/assurance-auto-aucun-cas-refuser\/#qui-est-considere-comme-difficile-a-assurer\",\"name\":\"Qui est consid\u00e9r\u00e9 comme \u201cdifficile \u00e0 assurer\u201d?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"&lt;p>Personnes avec r\u00e9siliation pour non-paiement, multiples sinistres ou r\u00e9clamations rapproch\u00e9es, dossier d\u2019infractions charg\u00e9 (ex. exc\u00e8s de vitesse, cellulaire), suspension de permis, ant\u00e9c\u00e9dent d\u2019alcool\/drogue au volant, longue interruption d\u2019assurance, v\u00e9hicule fortement modifi\u00e9 ou usage hors norme (livraison, covoiturage pro).&lt;\/p>\"}},{\"@type\":\"Question\",\"url\":\"https:\/\/www.assur360.ca\/blog\/soumission\/assurance-auto-aucun-cas-refuser\/#on-ma-refuse-puis-je-tout-de-meme-etre-assure\",\"name\":\"On m\u2019a refus\u00e9. Puis-je tout de m\u00eame \u00eatre assur\u00e9?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"&lt;p>Oui. Ton courtier peut te placer aupr\u00e8s d\u2019assureurs sp\u00e9cialis\u00e9s &lt;strong>ou&lt;\/strong> via un &lt;strong>plan de r\u00e9partition des risques&lt;\/strong> (march\u00e9 r\u00e9siduel). La prime est plus \u00e9lev\u00e9e au d\u00e9part, mais tu peux &lt;strong>revenir au march\u00e9 standard&lt;\/strong> apr\u00e8s une p\u00e9riode sans incident.&lt;\/p>\"}}]}<\/script><\/div>\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n<p><strong>Need a quote?<\/strong> <a href=\"https:\/\/www.assur360.ca\/en\/quick-car-quote\/\">Get your car quote online<\/a> \u2014 Free, fast and without obligation with Assur360.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Car insurance solution: no case refused (or almost)! Hey drivers looking for hassle-free car insurance solutions ! We all know that finding [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":15058,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_seopress_robots_primary_cat":"none","_seopress_titles_title":"No-Deny Car Insurance in Quebec | Specialty Broker \u2014 Assur360","_seopress_titles_desc":"Assur360 finds car insurance even if you have been refused elsewhere. Difficult, criminal or sub-standard case \u2014 free 3-minute submission. 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