{"id":15944,"date":"2023-02-10T10:58:53","date_gmt":"2023-02-10T15:58:53","guid":{"rendered":"https:\/\/www.assur360.ca\/blog\/non-categorise\/5-things-that-are-difficult-to-understand-in-insurance\/"},"modified":"2026-04-22T12:51:45","modified_gmt":"2026-04-22T16:51:45","slug":"5-things-that-are-difficult-to-understand-in-insurance","status":"publish","type":"post","link":"https:\/\/www.assur360.ca\/en\/blog\/home-insurance-in-quebec-2\/5-things-that-are-difficult-to-understand-in-insurance\/","title":{"rendered":"5 things that are difficult to understand in insurance"},"content":{"rendered":"\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"Article\", \"@id\": \"https:\/\/www.assur360.ca\/blog\/assurance-habitation-au-quebec\/5-choses-quil-est-difficile-a-comprendre-en-assurance-de-dommages\/#article\", \"headline\": \"5 choses difficile \u00e0 comprendre en assurance\", \"url\": \"https:\/\/www.assur360.ca\/blog\/assurance-habitation-au-quebec\/5-choses-quil-est-difficile-a-comprendre-en-assurance-de-dommages\/\", \"datePublished\": \"2023-02-10T10:58:53\", \"dateModified\": \"2026-03-23T15:42:34\", \"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\": \"D\u00e9couvrez les 5 aspects complexes de l'assurance de dommages. Obtenez des explications pour mieux comprendre votre couverture et prendre des d\u00e9cisions \u00e9clair\u00e9es\"}\n<\/script>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px 36px;margin:32px auto;box-shadow:0 10px 30px rgba(13,31,45,0.18);max-width:100%;\">\n  <div style=\"display:flex;gap:32px;align-items:center;justify-content:center;flex-wrap:wrap;\">\n    <div style=\"flex:1 1 380px;min-width:280px;text-align:left;\">\n      <p style=\"color:#10c4c7;font-size:13px;font-weight:700;text-transform:uppercase;letter-spacing:3px;margin:0 0 10px;\">AUTOMOTIVE<\/p>\n      <p style=\"color:#ffffff;font-size:28px;font-weight:800;margin:0 0 12px;line-height:1.25;font-family:inherit;\">Car quote in 3 minutes<\/p>\n      <p style=\"color:#94a3b8;font-size:16px;line-height:1.6;margin:0 0 22px;\">AMF Brokers. Best car prices in Quebec compared for you. <\/p>\n      <div style=\"display:flex;gap:10px;flex-wrap:wrap;\">\n        <a href=\"https:\/\/www.assur360.ca\/en\/quick-car-quote\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:14px 26px;border-radius:8px;font-weight:700;text-decoration:none;font-size:15px;display:inline-block;\">Get started<\/a>\n        <a href=\"tel:+18663574451\" style=\"background:transparent;color:#ffffff;padding:14px 26px;border-radius:8px;font-weight:700;text-decoration:none;font-size:15px;display:inline-block;border:2px solid #ffffff;\">\ud83d\udcde 1-866-357-4451<\/a>\n      <\/div>\n    <\/div>\n    <div style=\"flex:0 0 240px;text-align:center;\"><img decoding=\"async\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_auto,s_webp:avif\/www.assur360.ca\/wp-content\/uploads\/2026\/03\/orso-le-courtier-assurance-auto.png\" alt=\"Orso, Assur360 car insurance broker\" style=\"max-width:240px;width:100%;height:auto;display:block;margin:0 auto;filter:drop-shadow(0 6px 16px rgba(16,196,199,0.3));\" loading=\"lazy\"\/><\/div>\n  <\/div>\n<\/div>\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h2 class=\"wp-block-heading\">Property and casualty insurance is not always easy to understand!<\/h2>\n\n<p class=\"wp-block-paragraph\">Auto damage insurance is a complex product that can often leave policyholders confused about their rights and obligations. However, it&#8217;s important to understand the details of your coverage to deal with unforeseen situations with confidence. In this article, we will discuss the 5 most misunderstood topics by policyholders <a href=\"\/\">when it comes to car insurance<\/a>.  <\/p>\n\n<figure class=\"wp-block-image\"><a href=\"https:\/\/www.assur360.ca\/wp-content\/uploads\/2023\/02\/assurance-maison-et-auto.png\"><img decoding=\"async\" width=\"1766\" height=\"400\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_webp,s_webp\/www.assur360.ca\/wp-content\/uploads\/2023\/02\/assurance-maison-et-auto.png\" alt=\"Home and Auto Insurer\" class=\"wp-image-9129\" title=\"Home and Auto Insurance Broker\"  sizes=\"(max-width: 1766px) 100vw, 1766px\" \/><\/a><\/figure>\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<ol class=\"wp-block-list\">\n<li><strong>The definition of &#8220;obsolescence&#8221;:<\/strong> <span style=\"font-size: revert; color: initial;\"><em>&#8220;Obsolescence&#8221;<\/em> is a term commonly used in car insurance contracts, but little understood by policyholders. It refers to the <strong>normal<\/strong> and expected wear and tear of a vehicle according to its age, mileage and use. If your vehicle is considered &#8220;outdated&#8221;, this can lead to a reduction in the replacement value in the event of a total loss. It&#8217;s important to understand how &#8220;obsolescence&#8221; can affect the <a href=\"https:\/\/www.assur360.ca\/en\/car-insurance-3-minute-quote\/genesis-vehicle-insurance\/\">value of your vehicle<\/a> and your coverage.   <\/span><\/li>\n\n\n\n<li><span style=\"color: revert; font-size: revert; font-weight: revert;\"><strong>Coverage for damage to other vehicles:<\/strong> <\/span><span style=\"font-size: revert; color: initial;\">Most <a href=\"https:\/\/www.assur360.ca\/assurance-auto\/\">car insurance policies<\/a> include coverage for damage to other vehicles. However, few people understand the limitations of this coverage and what is and isn&#8217;t covered. It&#8217;s important to know what you&#8217;re entitled to in the event of damage to other vehicles and whether you need to purchase additional coverage.  <\/span><\/li>\n\n\n\n<li><span style=\"color: revert; font-size: revert; font-weight: revert;\"><strong>Additional guarantees:<\/strong> <\/span><span style=\"font-size: revert; color: initial;\">There are many additional guarantees available to car policyholders, such as fire and theft coverage, comprehensive coverage, etc. However, few people understand the differences between these guarantees and their respective coverages. It&#8217;s important to know what each additional warranty covers so you can choose the one that best suits your needs.  <\/span><\/li>\n\n\n\n<li><strong>How does your liability in a motor vehicle collision affect your compensation?  <\/strong>There&#8217;s no denying that your liability in a car accident can impact the amount of compensation you&#8217;ll receive. If you are found to be at fault for the collision and your vehicle is damaged, you will only be compensated if you have collision protection or comprehensive insurance. In addition, you will also have to pay the deductible provided for in your contract. If you are not at fault for the accident, your insurer will pay you compensation, even if you do not have collision or comprehensive insurance. In addition, you will not have to pay a deductible. The article &#8220;How does your liability in a motor vehicle collision affect your compensation?&#8221; provides clear and precise information to policyholders on how the insurance works according to the established fault.     <\/li>\n\n\n\n<li><span style=\"color: revert; font-size: revert; font-weight: revert;\"><strong>Deductibles and limits of coverage:<\/strong> <\/span><span style=\"font-size: revert; color: initial;\">Deductibles and limits of coverage are often misunderstood by auto policyholders. A deductible refers to the amount you must pay in the event of a claim before you can benefit from <a href=\"https:\/\/www.assur360.ca\/en\/insurer-2\/car-insurer\/\">your insurer&#8217;s coverage<\/a>.  Coverage limits refer to the maximum amount that the insurer will pay in the event of a claim.  <\/span><\/li>\n<\/ol>\n\n<h2 class=\"wp-block-heading\">The damage insurance broker<\/h2>\n\n<p class=\"wp-block-paragraph\">An <strong>insurance broker<\/strong> is <a href=\"\/\">a professional<\/a> who acts as an intermediary between you, the client, and the insurance companies. Here&#8217;s how a broker can help you with your insurance questions: <\/p>\n\n<ul class=\"wp-block-list\">\n<li><p><strong>Research and selection<\/strong> : Brokers prospect and negotiate with insurance companies to find the most advantageous contracts for you, at the best price. They go through the different options available and help you choose the one that best suits your needs. <\/p><\/li>\n\n\n\n<li><p><strong>Personalized advice<\/strong> : A broker takes the time to understand your specific needs and situation. He advises you on the appropriate types of insurance, the amounts of coverage, and the exclusions to be taken into account. Their expertise allows you to make informed decisions.  <\/p><\/li>\n\n\n\n<li><p><strong>Claims management<\/strong> : <a href=\"\/\">In the event of a claim<\/a>, a broker assists you in the claims process. It guides you through the steps needed to get compensation quickly and fairly.<\/p><\/li>\n\n\n\n<li><p><strong>Compare offers<\/strong> : Brokers have access to several insurance companies, so they can compare offers and present you with a variety of options. You save time by avoiding contacting each insurer individually. <\/p><\/li>\n\n\n\n<li><p><strong>Ongoing follow-up and service<\/strong> : Your broker is there to support you throughout your insurance contract. They can help you update your policies, adjust your coverages to meet your changing needs, and answer any questions you may have. <span style=\"font-size: 1rem; font-weight: inherit;\"><\/span><\/p><\/li>\n<\/ul>\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><a href=\"\/\">An insurance broker is a valuable partner<\/a> in helping you navigate the complex world of insurance. If you&#8217;re looking for a broker in Quebec, you can use directories such as <strong>Assur360<\/strong> to find the right one for you. <\/p>\n<\/blockquote>\n\n<p class=\"wp-block-paragraph\">Here is an updated table of the <strong>main property and casualty insurers in Quebec<\/strong> in 2025, including their market shares, customer evaluations and distinguishing characteristics:<\/p>\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Rank<\/th><th>Company<\/th><th>Market share (%)<\/th><th>Google Rating<\/th><th>Peculiarities<\/th><\/tr><\/thead><tbody><tr><td>1<\/td><td><strong>Intact Insurance<\/strong><\/td><td>~17%<\/td><td>3.7 \/ 5<\/td><td>Largest insurer in Canada, distribution through brokers.<\/td><\/tr><tr><td>2<\/td><td><strong>Desjardins Insurance<\/strong><\/td><td>~17%<\/td><td>3.6 \/ 5<\/td><td>A subsidiary of Desjardins, specializing in group insurance.<\/td><\/tr><tr><td>3<\/td><td><strong>Beneva<\/strong><\/td><td>~17%<\/td><td>4.7 \/ 5<\/td><td>Resulting from the merger of La Capitale and SSQ, it offers a full range of insurance products.<\/td><\/tr><tr><td>4<\/td><td><strong>Promutuel<\/strong><\/td><td>~6.5%<\/td><td>4.4 \/ 5<\/td><td>Quebec cooperative, offers services via brokers and directly.<\/td><\/tr><tr><td>5<\/td><td><strong>Aviva insurance<\/strong><\/td><td>~5%<\/td><td>3.8 \/ 5<\/td><td>Significant presence in Canada, offers various insurance products.<\/td><\/tr><tr><td>6<\/td><td><strong>TD Insurance<\/strong><\/td><td>~4%<\/td><td>3.9 \/ 5<\/td><td>Offers attractive discounts for customers with no claims or security systems.<\/td><\/tr><tr><td>7<\/td><td><strong>The Co-operators<\/strong><\/td><td>~3%<\/td><td>4.0 \/ 5<\/td><td>Offers insurance and financial services, national presence.<\/td><\/tr><tr><td>8<\/td><td><strong>iA Financial Group<\/strong><\/td><td>~2%<\/td><td>4.1 \/ 5<\/td><td>Also offers financial services, such as life insurance and investment products.<\/td><\/tr><tr><td>9<\/td><td><strong>The Unique<\/strong><\/td><td>~1.5%<\/td><td>3.9 \/ 5<\/td><td>Subsidiary of Beneva, distribution exclusively via brokers.<\/td><\/tr><tr><td>10<\/td><td><strong>Sonnet<\/strong><\/td><td>~1%<\/td><td>4.4 \/ 5<\/td><td>100% online insurer, subsidiary of Economical.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n<p class=\"wp-block-paragraph\"><strong>Notes:<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>Market shares are based on 2025 data.<\/li>\n\n\n\n<li>The ratings come from Google reviews from 2025.<\/li>\n\n\n\n<li>The three largest insurers (Intact, Desjardins and Beneva) together accounted for about 51% of the Quebec market in 2025.<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">FAQ<\/p>\n\n\n","protected":false},"excerpt":{"rendered":"<p>Property and casualty insurance is not always easy to understand! Auto damage insurance is a complex product that can often leave policyholders [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":14959,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_seopress_titles_title":"5 Essential Insurance Concepts to Understand | Assur360","_seopress_titles_desc":"Discover the 5 complex aspects of property and casualty insurance. Get explanations to better understand your coverage and make informed decisions ","_seopress_robots_index":"","_seopress_robots_follow":"","_seopress_robots_imageindex":"","_seopress_robots_snippet":"","_seopress_robots_primary_cat":"none","_seopress_robots_breadcrumbs":"","_seopress_robots_freeze_modified_date":"","_seopress_robots_custom_modified_date":"","_seopress_robots_canonical":"","_seopress_social_fb_title":"5 things that are difficult to understand in insurance","_seopress_social_fb_desc":"Compare the best insurance offers in Quebec. 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