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Apple gives road safety a boost
iPhone users, we’ve got news for you! Apple recently launched iOS 11, the latest free upgrade for its mobile operating system. And with it comes a new feature that makes it easier and safer to take the wheel—the new Do Not Disturb While Driving feature, or as some have already dubbed it, Vehicle mode.
Read
Reading :
2 minutes
Featured post
iPhone users, we’ve got news for you! Apple recently launched iOS 11, the latest free upgrade for its mobile operating system. And with it comes a new feature that makes it easier and safer to take the wheel—the new Do Not Disturb While Driving feature, or as some have already dubbed it, Vehicle mode.
DO NOT DISTURB WHILE DRIVING = SAFETY
The principle is simple: Your iPhone can now detect when you appear to be driving. The result?It automatically blocks incoming calls, text messages, and notifications. No more taking your eyes off the road because you’re curious to see who’s trying to reach you!
Better yet, this feature can be configured to automatically respond to messages and notify callers when you’re behind the wheel. Which makes it a great way to promote awareness about safe driving habits.
HOW TO GET IT
Easy! Just download the iOS 11 upgrade from your iPhone by going to Settings/General/Software Update.
DON'T HAVE AN iPHONE?
If you don’t have an iPhone, no worries—there are other solutions out there to help you keep your attention on the road. Among the ones available, we suggest you try the app developed by SAAQ:Focus Mode. This free app delivers much the same benefits as iPhone’s Do Not Disturb While Driving feature, except it’s not automatic. In other words, you’ll have to get in the habit of launching the app whenever you get behind the wheel.
For more information on the Focus Mode app, visit the SAAQ page: Cell Phones and Texting – Risks and Solutions.
To download the Focus Mode app on your cell phone, find it at: Google Play – Focus Mode (French only).
Safe driving to all!
18 September 2017
-
On the Road
Apple gives road safety a boost
iPhone users, we’ve got news for you! Apple recently launched iOS 11, the latest free upgrade for its mobile operating system. And with it comes a new feature that makes it easier and safer to take the wheel—the new Do Not Disturb While Driving feature, or as some have already dubbed it, Vehicle mode.
Read
Reading :
2 minutes
Featured post
iPhone users, we’ve got news for you! Apple recently launched iOS 11, the latest free upgrade for its mobile operating system. And with it comes a new feature that makes it easier and safer to take the wheel—the new Do Not Disturb While Driving feature, or as some have already dubbed it, Vehicle mode.
DO NOT DISTURB WHILE DRIVING = SAFETY
The principle is simple: Your iPhone can now detect when you appear to be driving. The result?It automatically blocks incoming calls, text messages, and notifications. No more taking your eyes off the road because you’re curious to see who’s trying to reach you!
Better yet, this feature can be configured to automatically respond to messages and notify callers when you’re behind the wheel. Which makes it a great way to promote awareness about safe driving habits.
HOW TO GET IT
Easy! Just download the iOS 11 upgrade from your iPhone by going to Settings/General/Software Update.
DON'T HAVE AN iPHONE?
If you don’t have an iPhone, no worries—there are other solutions out there to help you keep your attention on the road. Among the ones available, we suggest you try the app developed by SAAQ:Focus Mode. This free app delivers much the same benefits as iPhone’s Do Not Disturb While Driving feature, except it’s not automatic. In other words, you’ll have to get in the habit of launching the app whenever you get behind the wheel.
For more information on the Focus Mode app, visit the SAAQ page: Cell Phones and Texting – Risks and Solutions.
To download the Focus Mode app on your cell phone, find it at: Google Play – Focus Mode (French only).
Safe driving to all!
6 June 2017
-
Free Time
Explore Québec’s Gourmet Routes by motorcycle!
Read
Reading :
3 minutes
Québec has several themed routes that make for great motorcycle trips. Tourism Québec has mapped out over 50 routes through various regions of Québec. To help you get your bearings, we’ve picked out the most popular food-themed routes as chosen by motorcyclists. Here they are!
The Cheese Route
Cheese making is big business in Québec, so there’s not just one cheese route—you can travel all over the province and find artisanal cheese makers and semi-industrial producers. Nonethess, we’ve mapped out an itinerary that not only offers plenty of great tasting opportunities, but some downright spectacular scenery too. The Saguenay Lac-Saint-Jean/Charlevoix cheese route starts in Baie St-Paul and includes stops at 16 cheese makers, some of which have won awards for their outstanding products. There’s plenty of cheeses for every taste along this route!
The Wine Route
The Eastern Townships have so many vineyards that you can visit 21 producers in the space of 140 km. Discover a great selection of wines, ciders, and organic products against the beautiful backdrop of the Eastern Townships. During your trip, we recommend you stop at vignoble de l’Orpailleur, a wine industry pioneer. Keep in mind that old saying, “everything in moderation,” and remember not to drink and drive!
The Gourmet Gaspé
This is a must for motorcyclists looking for spectacular views and fresh seafood. The fine food tour of the Gaspé isn’t just just about seafood and fish—there are maple products, chocolate, honey, and microbrews too. The route is a flavour-filled tour of numerous local delicacies. And it’s one of the most well-organized and comprehensive ones out there. Accommodation is easy to find and there’s no shortage of options.
Île d’Orléans
If you’re looking for a motorcycle day trip, you can’t beat Île d’Orléans! The island boasts a chocolate factory, cider mill, vineyard, livestock farms, bakeries, blackcurrant products, and numerous vegetable farms. Many island restaurants serve meals made with local products. It’s a popular route with tourists in the summer, so drive slowly and be respectful. Locals will appreciate it if you keep noise down!
Notify your insurer before hitting the road
If you’re heading out on a long motorcycle trip, you should notify your insurer before leaving in case you run into trouble, especially if you’re travelling abroad. It’s also a good idea to get some additional insurance that includes roadside assistance. Have a good trip!
6 June 2017
-
Free Time
Explore Québec’s Gourmet Routes by motorcycle!
Read
Reading :
3 minutes
Québec has several themed routes that make for great motorcycle trips. Tourism Québec has mapped out over 50 routes through various regions of Québec. To help you get your bearings, we’ve picked out the most popular food-themed routes as chosen by motorcyclists. Here they are!
The Cheese Route
Cheese making is big business in Québec, so there’s not just one cheese route—you can travel all over the province and find artisanal cheese makers and semi-industrial producers. Nonethess, we’ve mapped out an itinerary that not only offers plenty of great tasting opportunities, but some downright spectacular scenery too. The Saguenay Lac-Saint-Jean/Charlevoix cheese route starts in Baie St-Paul and includes stops at 16 cheese makers, some of which have won awards for their outstanding products. There’s plenty of cheeses for every taste along this route!
The Wine Route
The Eastern Townships have so many vineyards that you can visit 21 producers in the space of 140 km. Discover a great selection of wines, ciders, and organic products against the beautiful backdrop of the Eastern Townships. During your trip, we recommend you stop at vignoble de l’Orpailleur, a wine industry pioneer. Keep in mind that old saying, “everything in moderation,” and remember not to drink and drive!
The Gourmet Gaspé
This is a must for motorcyclists looking for spectacular views and fresh seafood. The fine food tour of the Gaspé isn’t just just about seafood and fish—there are maple products, chocolate, honey, and microbrews too. The route is a flavour-filled tour of numerous local delicacies. And it’s one of the most well-organized and comprehensive ones out there. Accommodation is easy to find and there’s no shortage of options.
Île d’Orléans
If you’re looking for a motorcycle day trip, you can’t beat Île d’Orléans! The island boasts a chocolate factory, cider mill, vineyard, livestock farms, bakeries, blackcurrant products, and numerous vegetable farms. Many island restaurants serve meals made with local products. It’s a popular route with tourists in the summer, so drive slowly and be respectful. Locals will appreciate it if you keep noise down!
Notify your insurer before hitting the road
If you’re heading out on a long motorcycle trip, you should notify your insurer before leaving in case you run into trouble, especially if you’re travelling abroad. It’s also a good idea to get some additional insurance that includes roadside assistance. Have a good trip!
2 June 2017
-
On the Road
Securing your RV: Everything you need to know about RV insurance
Your RV is on the road just like any other motor vehicle, and that means it must be insured! Follow this guide to find out why and how.
Read
Reading :
4 minutes
Why take out insurance on your RV?
Because it’s mandatory. Under Québec law, you must have third party liability insurance on all road vehicles. Why? You’ll be covered for damage if your vehicle injures someone or damages their property.
How do I properly insure my RV?
Your insurance premium will depend on a number of factors. When signing up for a new insurance policy, you’ll be asked the following questions:
Do you use your RV as a seasonal residence?
Do you store your RV for some of the year? If so, where?
Do you use your RV to travel outside Quebec? To the United States or other parts of the world?
Do you need any additional protections?
Insurers usually combine these additional protections into all-inclusive packages.
The most popular protections include:
Collision and upset coverage: This covers damage caused to your RV due to a collision or upset.
Coverage for risks other than collision and upset: This protects your RV in the event of robbery, fire, hail, broken windows, vandalism, and more.
For more comprehensive optional protections, we recommend the Procaravaning product* from Promutuel Insurance.
For covered losses, Procaravaning reimburses you for expenses incurred due to damage to personal property inside your RV, repatriation fees (for towed vehicles), and other unexpected expenses (e.g., costs incurred from not being able to use your RV during your trip because it is uninhabitable following a covered loss). This includes additional costs required to maintain a reasonable standard of living and capped at a certain amount.
What criteria go into calculating the insurance premium?
Your driver profile (age, sex, claim history, and driving record)
Your RV profile (vehicle model and age)
How often and where you use your vehicle
Desired coverage
Deductible amount
To get the best rate, you can also:
Contact local RV clubs for information
Combine multiple policies (auto, home, etc.) with your current insurer
Good advice for a safe and enjoyable trip!
* Some conditions, limitations, and exclusions apply.
2 June 2017
-
On the Road
Securing your RV: Everything you need to know about RV insurance
Your RV is on the road just like any other motor vehicle, and that means it must be insured! Follow this guide to find out why and how.
Read
Reading :
4 minutes
Why take out insurance on your RV?
Because it’s mandatory. Under Québec law, you must have third party liability insurance on all road vehicles. Why? You’ll be covered for damage if your vehicle injures someone or damages their property.
How do I properly insure my RV?
Your insurance premium will depend on a number of factors. When signing up for a new insurance policy, you’ll be asked the following questions:
Do you use your RV as a seasonal residence?
Do you store your RV for some of the year? If so, where?
Do you use your RV to travel outside Quebec? To the United States or other parts of the world?
Do you need any additional protections?
Insurers usually combine these additional protections into all-inclusive packages.
The most popular protections include:
Collision and upset coverage: This covers damage caused to your RV due to a collision or upset.
Coverage for risks other than collision and upset: This protects your RV in the event of robbery, fire, hail, broken windows, vandalism, and more.
For more comprehensive optional protections, we recommend the Procaravaning product* from Promutuel Insurance.
For covered losses, Procaravaning reimburses you for expenses incurred due to damage to personal property inside your RV, repatriation fees (for towed vehicles), and other unexpected expenses (e.g., costs incurred from not being able to use your RV during your trip because it is uninhabitable following a covered loss). This includes additional costs required to maintain a reasonable standard of living and capped at a certain amount.
What criteria go into calculating the insurance premium?
Your driver profile (age, sex, claim history, and driving record)
Your RV profile (vehicle model and age)
How often and where you use your vehicle
Desired coverage
Deductible amount
To get the best rate, you can also:
Contact local RV clubs for information
Combine multiple policies (auto, home, etc.) with your current insurer
Good advice for a safe and enjoyable trip!
* Some conditions, limitations, and exclusions apply.
31 May 2017
-
At Home
Home insurance: a guide to renting happy!
If you rent, you already know you need home insurance. But do you know how it works and how to save money on it? Not too sure? Here’s an article to clear things up.
Read
Reading :
3 minutes
If you rent, you already know you need home insurance. But do you know how it works and how to save money on it? Not too sure? Here’s an article to clear things up.
Home insurance for tenants: 2-in-1 coverage
Home insurance covers your own property as well as damage you may cause to someone else’s (i.e., civil liability insurance). For example, if your bathtub overflows and causes water damage in your downstairs neighbor’s apartment, you’ll be covered. Your home insurance civil liability coverage also extends to your spouse and children. If you share your apartment with a roommate or boyfriend/girlfriend (less than 3 years of cohabitation), the name of every occupant must appear on the home insurance contract.
Depending on your needs and your property, you can then choose a comprehensive or named risk contract.
What your tenant’s home insurance protects you against
Your home insurance protects your property against damage caused by:
Nature: wind, hail, lightning, forest fires, explosions
People: theft, vandalism, riots
Malfunction: leaking pipes and plumbing (don’t assume your contract covers all types of leaks and spills. Additional coverage and endorsements are available based on your property and its location)
Save on your tenant’s home insurance
Start by shopping around and combining home insurance + auto insurance or home insurance + business insurance. At Promutuel Insurance, we offer special rates on home insurance for tenants, particularly if you combine types of insurance.
The risk of not having home insurance when you rent
In the event of a loss, you may be sued not only by other tenants you have inconvenienced, but also by your landlord—or by the insurance companies that would have to pay their claims. The cost of insurance is nothing compared to the financial burden of not having the coverage you need.
Think this article could offer your friends and family some helpful advice? Share it on social media!
31 May 2017
-
At Home
Home insurance: a guide to renting happy!
If you rent, you already know you need home insurance. But do you know how it works and how to save money on it? Not too sure? Here’s an article to clear things up.
Read
Reading :
3 minutes
If you rent, you already know you need home insurance. But do you know how it works and how to save money on it? Not too sure? Here’s an article to clear things up.
Home insurance for tenants: 2-in-1 coverage
Home insurance covers your own property as well as damage you may cause to someone else’s (i.e., civil liability insurance). For example, if your bathtub overflows and causes water damage in your downstairs neighbor’s apartment, you’ll be covered. Your home insurance civil liability coverage also extends to your spouse and children. If you share your apartment with a roommate or boyfriend/girlfriend (less than 3 years of cohabitation), the name of every occupant must appear on the home insurance contract.
Depending on your needs and your property, you can then choose a comprehensive or named risk contract.
What your tenant’s home insurance protects you against
Your home insurance protects your property against damage caused by:
Nature: wind, hail, lightning, forest fires, explosions
People: theft, vandalism, riots
Malfunction: leaking pipes and plumbing (don’t assume your contract covers all types of leaks and spills. Additional coverage and endorsements are available based on your property and its location)
Save on your tenant’s home insurance
Start by shopping around and combining home insurance + auto insurance or home insurance + business insurance. At Promutuel Insurance, we offer special rates on home insurance for tenants, particularly if you combine types of insurance.
The risk of not having home insurance when you rent
In the event of a loss, you may be sued not only by other tenants you have inconvenienced, but also by your landlord—or by the insurance companies that would have to pay their claims. The cost of insurance is nothing compared to the financial burden of not having the coverage you need.
Think this article could offer your friends and family some helpful advice? Share it on social media!
26 May 2017
-
Emploi
Actuarial Services: Are you familiar with the R programming language?
Read
Reading :
3 minutes
R is a computer language used in a number of fields, including actuarial science, to interpret statistics and various mathematical applications. Why should you be interested? Because it’s developing fast, has many outstanding properties, and is increasingly popular with businesses here.
To get a better understanding of the R programming language, we chatted with Jean-Philippe Le Cavalier, an actuary at Promutuel Insurance and a big fan of R! He will be presenting a talk at the 2017 R symposium at Université Laval in Québec City (french only).
Jean-Philippe, how did you get interested in the R programming language?
I started using it when I was studying actuarial science at university. Coding in R is a hobby for me! I do it at work, but also in my spare time. R is an open source language, which means that people from all over the world are working on improving and expanding it. There are updates and developments happening all the time, which is really exciting.
How is R used at Promutuel Insurance?
R is an environment where you can manipulate a huge amount of data. For actuaries, it’s a great tool for better managing risk. At Promutuel Insurance, we use it in our analysis, development, and production processes, which is quite innovative in the insurance industry.
SAS is still one of the most popular statistical applications in insurance, but R will gain ground in the coming years because of its flexibility. Something to watch for.
Recently, you gave a talk at the R symposium in Québec City soon. Tell us about your presentation.
The title is “data.table: a must-have R package!” Introduced by Matt Dowle about ten years ago, the data.table library is still not being used to its full potential by most R programmers. My presentation was an introduction to this library, particularly its main component, the data.table class. This class improves on the conventional approach to in-memory processing of structured data. I’ll use simple examples to explain the various benefits of adding this library to your programming tools.
Thank you Jean-Philippe!
26 May 2017
-
Emploi
Actuarial Services: Are you familiar with the R programming language?
Read
Reading :
3 minutes
R is a computer language used in a number of fields, including actuarial science, to interpret statistics and various mathematical applications. Why should you be interested? Because it’s developing fast, has many outstanding properties, and is increasingly popular with businesses here.
To get a better understanding of the R programming language, we chatted with Jean-Philippe Le Cavalier, an actuary at Promutuel Insurance and a big fan of R! He will be presenting a talk at the 2017 R symposium at Université Laval in Québec City (french only).
Jean-Philippe, how did you get interested in the R programming language?
I started using it when I was studying actuarial science at university. Coding in R is a hobby for me! I do it at work, but also in my spare time. R is an open source language, which means that people from all over the world are working on improving and expanding it. There are updates and developments happening all the time, which is really exciting.
How is R used at Promutuel Insurance?
R is an environment where you can manipulate a huge amount of data. For actuaries, it’s a great tool for better managing risk. At Promutuel Insurance, we use it in our analysis, development, and production processes, which is quite innovative in the insurance industry.
SAS is still one of the most popular statistical applications in insurance, but R will gain ground in the coming years because of its flexibility. Something to watch for.
Recently, you gave a talk at the R symposium in Québec City soon. Tell us about your presentation.
The title is “data.table: a must-have R package!” Introduced by Matt Dowle about ten years ago, the data.table library is still not being used to its full potential by most R programmers. My presentation was an introduction to this library, particularly its main component, the data.table class. This class improves on the conventional approach to in-memory processing of structured data. I’ll use simple examples to explain the various benefits of adding this library to your programming tools.
Thank you Jean-Philippe!
24 May 2017
-
Emploi
Meet your future boss: Frédéric Matte, Risk Oversight Manager
Read
Reading :
5 minutes
Good to have you, Frédéric!What’s your position at Promutuel Insurance?
I head up the department in charge of risk oversight, a position I’ve held since May 2015.
Great!Could you tell us a bit about how you got there?
Well, after I graduated from Université de Montréal in 2006, I first got into insurance with a job as an actuary in corporate actuarial services. Later I moved into business insurance underwriting.
Along the way I got a chance to start off in a whole new direction, in corporate finance, specifically capital management.
In June 2014 I moved back to Québec City to join Promutuel Insurance when I was offered a management position in corporate actuarial services. A year later I landed where I am now, as risk oversight manager.
It’s such great work: I get the whole picture—a 360-degree view of operations. My job gives me a chance to work with several different teams.
It’s anything but routine—the purpose of my job is to provide a vision and direction for risk management.
Tell us about your team…
Well, all of us come from completely different backgrounds. We’ve got an actuary, an IT expert for cyber-risk and information security, and a member with an accounting background to look at operational risk management and business continuity.
What’s the biggest thing your team has accomplished since your arrival?
I’d say it was setting up the Own Risk and Solvency Assessment—the ORSA. It means the company now has a complete system for managing risk, which is something an operation like ours just has to have.
What’s it like to be part of your team?
We’re a tightly knit group that’s really taking off! Being a small team, we can really work collaboratively. I’d say our strength is that each member has his or her own special skills. Together, we’re complete!
What kinds of backgrounds are you looking for?
I like people who take serious things seriously, but can still loosen up when the time comes. As the team evolves, I want people who can work independently, show leadership, and who get a kick out of bringing new ideas to the table. I’d also say that our recommendations demand real professionalism, something I consider very important.
What’s the #1 reason working on your team is more enjoyable and fulfilling than anywhere else?
I’d say it’s our closeness to upper management, which gives us real influence on decision making. It’s a motivating factor, and it certainly helps us stay motivated.
What do you do to motivate your troops?
I try to recognize and acknowledge each person’s work as often as possible. I set it up so they can show what they’ve done to the right people. I also give them plenty of latitude.
Well, Frédéric, thanks again for talking to us. How can people who might want to join you in this adventure get in touch?
Join my LinkedIn network; send me an invitation, tell me about your background and most of all what makes you tick.
See all our openings here: www.promutuelassurance.ca/fr/carriere-equipe-actuariat
We look forward to meeting you!
24 May 2017
-
Emploi
Meet your future boss: Frédéric Matte, Risk Oversight Manager
Read
Reading :
5 minutes
Good to have you, Frédéric!What’s your position at Promutuel Insurance?
I head up the department in charge of risk oversight, a position I’ve held since May 2015.
Great!Could you tell us a bit about how you got there?
Well, after I graduated from Université de Montréal in 2006, I first got into insurance with a job as an actuary in corporate actuarial services. Later I moved into business insurance underwriting.
Along the way I got a chance to start off in a whole new direction, in corporate finance, specifically capital management.
In June 2014 I moved back to Québec City to join Promutuel Insurance when I was offered a management position in corporate actuarial services. A year later I landed where I am now, as risk oversight manager.
It’s such great work: I get the whole picture—a 360-degree view of operations. My job gives me a chance to work with several different teams.
It’s anything but routine—the purpose of my job is to provide a vision and direction for risk management.
Tell us about your team…
Well, all of us come from completely different backgrounds. We’ve got an actuary, an IT expert for cyber-risk and information security, and a member with an accounting background to look at operational risk management and business continuity.
What’s the biggest thing your team has accomplished since your arrival?
I’d say it was setting up the Own Risk and Solvency Assessment—the ORSA. It means the company now has a complete system for managing risk, which is something an operation like ours just has to have.
What’s it like to be part of your team?
We’re a tightly knit group that’s really taking off! Being a small team, we can really work collaboratively. I’d say our strength is that each member has his or her own special skills. Together, we’re complete!
What kinds of backgrounds are you looking for?
I like people who take serious things seriously, but can still loosen up when the time comes. As the team evolves, I want people who can work independently, show leadership, and who get a kick out of bringing new ideas to the table. I’d also say that our recommendations demand real professionalism, something I consider very important.
What’s the #1 reason working on your team is more enjoyable and fulfilling than anywhere else?
I’d say it’s our closeness to upper management, which gives us real influence on decision making. It’s a motivating factor, and it certainly helps us stay motivated.
What do you do to motivate your troops?
I try to recognize and acknowledge each person’s work as often as possible. I set it up so they can show what they’ve done to the right people. I also give them plenty of latitude.
Well, Frédéric, thanks again for talking to us. How can people who might want to join you in this adventure get in touch?
Join my LinkedIn network; send me an invitation, tell me about your background and most of all what makes you tick.
See all our openings here: www.promutuelassurance.ca/fr/carriere-equipe-actuariat
We look forward to meeting you!
24 May 2017
-
Emploi
Meet your future boss: Jean-Philippe Simon – Manager, applied analytics team
Read
Reading :
4 minutes
Hello, Jean-Philippe. What is your position at Promutuel Insurance?
Hi! I’ve been working at Promutuel Insurance for a little over seven years now and have been manager of the applied analytics team for 18 months.
Great! Can you tell us about the key turning points of your career?
I started off as a corporate actuarial intern at one of the biggest property and casualty insurance companies in Québec. At the time, one of the managers put in charge of creating an actuarial department offered me a job on his team shortly after my internship ended.
A few years later, I joined Groupe Promutuel. The first few years, my work consisted mainly of processing databases for the purpose of creating tools to better analyze and represent data.
Looking back, I realize that starting off my career by developing my programming abilities and deepening my understanding of basic actuarial concepts was the best thing that ever happened to me. It allowed me to progress quickly on an underwriting team where I was able to work in both home and auto insurance. When you understand data, calculation algorithms, and actuarial concepts, you can be flexible and excel, whatever the assignment!
Later I had the opportunity to join a new R&D team, which enabled me to take part in implementing a number of predictive modeling projects affecting all business sectors.
Eighteen months ago, I became the manager of this applied analytics team. Being manager gives me the opportunity to develop new skills. In a nutshell, I’ve had a very exciting, challenging, and rewarding career!
Now that we know a bit more about you, tell us about your team and what it does.
It is a multidisciplinary team whose members have very different backgrounds. We have a geographer responsible for all geography-related analyses, a few people specialized in data management and transformation for various actuarial purposes, and a number of actuaries in charge of advanced modeling and research.
What has been your team’s biggest achievement in recent years?
I would say implementing generalized linear models in home, auto, and business insurance. These models have significantly advanced our underwriting change processes.
How would you describe the atmosphere on your team?
It’s friendly to ensure that all members feel comfortable contributing and learning. On an analytics team, I think the important thing is having a culture where you challenge ideas, are open-minded, and work together.
What types of backgrounds do you look for?
It’s hard to say, because I don’t look for any in particular. I want a balance between technical programming and statistics skills and business knowledge. Actually, I look for people who are eager to learn, aren’t afraid of challenging their thinking, like sharing their knowledge, and are involved.
What makes your team the best and most fun to work on?
The size of the team, which fosters each member’s growth. Projects are always new, and people have the latitude to tackle them. We work in close collaboration with the other teams.
How do you motivate your troops?
For me, motivation requires transparency and getting people involved in the direction the team takes. The feeling of being able to influence the direction projects take or even which projects get the green light is an important factor in building employee commitment.
Thank you, Jean-Philippe! How can people interested in joining the team contact you?
Contact me on LinkedIn, send me an invitation, tell me about your background and, most importantly, your goals.
See all our new positions at www.promutuelassurance.ca/fr/carriere-equipe-actuariat.
24 May 2017
-
Emploi
Meet your future boss: Jean-Philippe Simon – Manager, applied analytics team
Read
Reading :
4 minutes
Hello, Jean-Philippe. What is your position at Promutuel Insurance?
Hi! I’ve been working at Promutuel Insurance for a little over seven years now and have been manager of the applied analytics team for 18 months.
Great! Can you tell us about the key turning points of your career?
I started off as a corporate actuarial intern at one of the biggest property and casualty insurance companies in Québec. At the time, one of the managers put in charge of creating an actuarial department offered me a job on his team shortly after my internship ended.
A few years later, I joined Groupe Promutuel. The first few years, my work consisted mainly of processing databases for the purpose of creating tools to better analyze and represent data.
Looking back, I realize that starting off my career by developing my programming abilities and deepening my understanding of basic actuarial concepts was the best thing that ever happened to me. It allowed me to progress quickly on an underwriting team where I was able to work in both home and auto insurance. When you understand data, calculation algorithms, and actuarial concepts, you can be flexible and excel, whatever the assignment!
Later I had the opportunity to join a new R&D team, which enabled me to take part in implementing a number of predictive modeling projects affecting all business sectors.
Eighteen months ago, I became the manager of this applied analytics team. Being manager gives me the opportunity to develop new skills. In a nutshell, I’ve had a very exciting, challenging, and rewarding career!
Now that we know a bit more about you, tell us about your team and what it does.
It is a multidisciplinary team whose members have very different backgrounds. We have a geographer responsible for all geography-related analyses, a few people specialized in data management and transformation for various actuarial purposes, and a number of actuaries in charge of advanced modeling and research.
What has been your team’s biggest achievement in recent years?
I would say implementing generalized linear models in home, auto, and business insurance. These models have significantly advanced our underwriting change processes.
How would you describe the atmosphere on your team?
It’s friendly to ensure that all members feel comfortable contributing and learning. On an analytics team, I think the important thing is having a culture where you challenge ideas, are open-minded, and work together.
What types of backgrounds do you look for?
It’s hard to say, because I don’t look for any in particular. I want a balance between technical programming and statistics skills and business knowledge. Actually, I look for people who are eager to learn, aren’t afraid of challenging their thinking, like sharing their knowledge, and are involved.
What makes your team the best and most fun to work on?
The size of the team, which fosters each member’s growth. Projects are always new, and people have the latitude to tackle them. We work in close collaboration with the other teams.
How do you motivate your troops?
For me, motivation requires transparency and getting people involved in the direction the team takes. The feeling of being able to influence the direction projects take or even which projects get the green light is an important factor in building employee commitment.
Thank you, Jean-Philippe! How can people interested in joining the team contact you?
Contact me on LinkedIn, send me an invitation, tell me about your background and, most importantly, your goals.
See all our new positions at www.promutuelassurance.ca/fr/carriere-equipe-actuariat.
18 May 2017
-
Tout pour l'auto
Is Car Insurance Cheaper in Small Towns than in Big Cities?
According to the Insurance Bureau of Canada (IBC) and Groupement des assureurs automobiles (GAA), average insurance premiums in major centres such as Montréal differ from those in smaller population centres. Should we be surprised? Not if we take a closer look at two leading underlying causes of this disparity: auto theft rates and loss ratios.
Read
Reading :
3 minutes
Featured post
According to the Insurance Bureau of Canada (IBC) and Groupement des assureurs automobiles (GAA), average insurance premiums in major centres such as Montréal differ from those in smaller population centres.
Should we be surprised? Not if we take a closer look at two leading underlying causes of this disparity: auto theft rates and loss ratios.
Auto Theft
Montréal (central and eastern districts) has the highest auto theft rates in Québec, followed by Laval, Lanaudière and the West Island. Residents of these areas face higher risk of auto and auto-part theft.
Thieves do prefer certain models over others. This list of vehicle models most often stolen in Québec can help prospective car buyers make an informed choice.
Loss Ratio
Loss ratios are another significant factor pushing up insurance premiums in major cities. Everybody knows that driving in Montréal can be a challenge, especially in heavy rush-hour traffic. Consequently, Montrealers are more likely to have a fender bender or major accident than drivers in the rest of the province.
Anti-theft devices
If your vehicle is equipped with an anti-theft device, such as an electronic immobilization system, or has anti-theft markings on its windows and certain parts, we have good news for you.
Not only do anti-theft devices and markings help reduce the risk of auto theft, they’re also recognized by most insurers, which can mean extra savings for you. For instance, depending on your vehicle’s anti-theft system, Promutuel Insurance may lower your premium by up to 10%. Not bad at all.
18 May 2017
-
Tout pour l'auto
Is Car Insurance Cheaper in Small Towns than in Big Cities?
According to the Insurance Bureau of Canada (IBC) and Groupement des assureurs automobiles (GAA), average insurance premiums in major centres such as Montréal differ from those in smaller population centres. Should we be surprised? Not if we take a closer look at two leading underlying causes of this disparity: auto theft rates and loss ratios.
Read
Reading :
3 minutes
Featured post
According to the Insurance Bureau of Canada (IBC) and Groupement des assureurs automobiles (GAA), average insurance premiums in major centres such as Montréal differ from those in smaller population centres.
Should we be surprised? Not if we take a closer look at two leading underlying causes of this disparity: auto theft rates and loss ratios.
Auto Theft
Montréal (central and eastern districts) has the highest auto theft rates in Québec, followed by Laval, Lanaudière and the West Island. Residents of these areas face higher risk of auto and auto-part theft.
Thieves do prefer certain models over others. This list of vehicle models most often stolen in Québec can help prospective car buyers make an informed choice.
Loss Ratio
Loss ratios are another significant factor pushing up insurance premiums in major cities. Everybody knows that driving in Montréal can be a challenge, especially in heavy rush-hour traffic. Consequently, Montrealers are more likely to have a fender bender or major accident than drivers in the rest of the province.
Anti-theft devices
If your vehicle is equipped with an anti-theft device, such as an electronic immobilization system, or has anti-theft markings on its windows and certain parts, we have good news for you.
Not only do anti-theft devices and markings help reduce the risk of auto theft, they’re also recognized by most insurers, which can mean extra savings for you. For instance, depending on your vehicle’s anti-theft system, Promutuel Insurance may lower your premium by up to 10%. Not bad at all.
10 April 2017
-
On the Road
Watch out for potholes!
Read
Reading :
2 minutes
Oh no, potholes! When spring comes they’re never far behind, much to the dismay of drivers.
To avoid the worst, here are some handy reminders plus information on car insurance coverage you may find useful.
Safety first
What does the Insurance Bureau of Canada (IBC) recommend?
Reduce speed when approaching a pothole and resist the impulse to slam on the brakes—it could damage your vehicle. Just go slowly, then ease up on the brakes to let the car absorb the impact.
Hold the steering wheel firmly to maintain control of your vehicle.
Check your tire pressure regularly. An underinflated tire is more likely to rupture if you drive over a pothole. An overinflated tire may not absorb the entire shock.
Insurance: available coverage
What happens if you hit a pothole and damage your car? Unfortunately, you will usually be considered the one responsible for insurance purposes.
However, if you have collision insurance, you’re covered. The only downside is that in 99% of cases you’ll have to pay a deductible. So it’s important to weight the pros and cons: pay the deductible or pay for repairs?
If you have Endorsement 43 – Change to loss indemnity, you can have the damaged parts replaced for free, provided they need replacing. A definite plus if your wheels are your prized possession!
Questions?
Talk to a Promutuel Insurance agent for more information on the coverage available for this type of incident.
Most of all, stay alert and drive carefully to avoid the trouble that potholes can cause!
10 April 2017
-
On the Road
Watch out for potholes!
Read
Reading :
2 minutes
Oh no, potholes! When spring comes they’re never far behind, much to the dismay of drivers.
To avoid the worst, here are some handy reminders plus information on car insurance coverage you may find useful.
Safety first
What does the Insurance Bureau of Canada (IBC) recommend?
Reduce speed when approaching a pothole and resist the impulse to slam on the brakes—it could damage your vehicle. Just go slowly, then ease up on the brakes to let the car absorb the impact.
Hold the steering wheel firmly to maintain control of your vehicle.
Check your tire pressure regularly. An underinflated tire is more likely to rupture if you drive over a pothole. An overinflated tire may not absorb the entire shock.
Insurance: available coverage
What happens if you hit a pothole and damage your car? Unfortunately, you will usually be considered the one responsible for insurance purposes.
However, if you have collision insurance, you’re covered. The only downside is that in 99% of cases you’ll have to pay a deductible. So it’s important to weight the pros and cons: pay the deductible or pay for repairs?
If you have Endorsement 43 – Change to loss indemnity, you can have the damaged parts replaced for free, provided they need replacing. A definite plus if your wheels are your prized possession!
Questions?
Talk to a Promutuel Insurance agent for more information on the coverage available for this type of incident.
Most of all, stay alert and drive carefully to avoid the trouble that potholes can cause!
31 March 2017
-
On the Road
An electronic joint report, how handy!
Recently, GAA (Groupement des assureurs automobiles) worked with ten insurance companies, including Promutuel Insurance, to revise the paper version of the joint report. They used this opportunity to launch a mobile app to meet the needs of its insured members, more and more of whom are using smart phones.
Read
Reading :
2 minutes
Recently, GAA (Groupement des assureurs automobiles) worked with ten insurance companies, including Promutuel Insurance, to revise the paper version of the joint report. They used this opportunity to launch a mobile app to meet the needs of its insured members, more and more of whom are using smart phones.
The app
Available for free in the App Store and on Google Play, the GAA’s Joint Report is an easy-to-use app that lets you report an accident to any insurer in Quebec.
Features
Once you have downloaded the app, you will be asked to create a profile and enter your contact, driver’s licence, and vehicle information. You must also select your insurance provider from a dropdown menu so that a copy of the report can be emailed to them in the event of an accident. The Joint Report can be used after any accident involving one, two, or three vehicles provided no one was injured.
A handy solution that makes it easier to make a claim!
Video (in french only)
31 March 2017
-
On the Road
An electronic joint report, how handy!
Recently, GAA (Groupement des assureurs automobiles) worked with ten insurance companies, including Promutuel Insurance, to revise the paper version of the joint report. They used this opportunity to launch a mobile app to meet the needs of its insured members, more and more of whom are using smart phones.
Read
Reading :
2 minutes
Recently, GAA (Groupement des assureurs automobiles) worked with ten insurance companies, including Promutuel Insurance, to revise the paper version of the joint report. They used this opportunity to launch a mobile app to meet the needs of its insured members, more and more of whom are using smart phones.
The app
Available for free in the App Store and on Google Play, the GAA’s Joint Report is an easy-to-use app that lets you report an accident to any insurer in Quebec.
Features
Once you have downloaded the app, you will be asked to create a profile and enter your contact, driver’s licence, and vehicle information. You must also select your insurance provider from a dropdown menu so that a copy of the report can be emailed to them in the event of an accident. The Joint Report can be used after any accident involving one, two, or three vehicles provided no one was injured.
A handy solution that makes it easier to make a claim!
Video (in french only)
1 March 2017
-
Safety and Prevention
Snow removal from roofs and car shelters: don’t get snowed under!
Every year, winter has a few surprises in store. Some are breathtaking, others are nothing but a headache! Unfortunately, certain weather conditions can lead to problems. Such is the case when large amounts of snow and ice build up on roofs, gutters, and car shelters.
Read
Reading :
2 minutes
Every year, winter has a few surprises in store. Some are breathtaking, others are nothing but a headache! Unfortunately, certain weather conditions can lead to problems. Such is the case when large amounts of snow and ice build up on roofs, gutters, and car shelters. The weight can cause damage to vehicles and buildings and even result in collapse. We’ve put together a few tips to help you prevent problems.
Remove snow from your roof and car shelter
The Commission des normes, de l'équité, de la santé et de la sécurité du travail (French only) website explains how to safely remove snow from flat or sloped roofs. Whatever the shape of your roof, you should:
Remove snow in stages rather than let it build up
Stay on the ground and use a roof rake with a telescopic handle
Use the proper fall protection equipment (harness and anchor point)
Remove snow on your car shelter from the outside, using a rake. Don’t push the snow off from the inside, as the structure might rip or collapse.
If ever you feel unable to tackle a snow removal task, leave it to a professional. It’s important to have peace of mind!
Prevent foundation leaks
Have you noticed cracks along your inside walls, near doors or on the ceiling? This could be a sign that you need to remove snow from the roof.
In addition, to prevent leaks be sure to remove snow buildup from the perimeter of your foundation, and remember to check windows, window wells, and downspouts.
Remove snow from access points
Ice and snow should also be removed from porches, steps, driveways, sidewalks, and emergency exits to prevent falls and make it easy to evacuate in an emergency.
Are you covered for heavy snow and ice?
Promutuel Insurance offers a full range of coverage for your home or business, tailored to the Québec climate. Contact us to find out more.
1 March 2017
-
Safety and Prevention
Snow removal from roofs and car shelters: don’t get snowed under!
Every year, winter has a few surprises in store. Some are breathtaking, others are nothing but a headache! Unfortunately, certain weather conditions can lead to problems. Such is the case when large amounts of snow and ice build up on roofs, gutters, and car shelters.
Read
Reading :
2 minutes
Every year, winter has a few surprises in store. Some are breathtaking, others are nothing but a headache! Unfortunately, certain weather conditions can lead to problems. Such is the case when large amounts of snow and ice build up on roofs, gutters, and car shelters. The weight can cause damage to vehicles and buildings and even result in collapse. We’ve put together a few tips to help you prevent problems.
Remove snow from your roof and car shelter
The Commission des normes, de l'équité, de la santé et de la sécurité du travail (French only) website explains how to safely remove snow from flat or sloped roofs. Whatever the shape of your roof, you should:
Remove snow in stages rather than let it build up
Stay on the ground and use a roof rake with a telescopic handle
Use the proper fall protection equipment (harness and anchor point)
Remove snow on your car shelter from the outside, using a rake. Don’t push the snow off from the inside, as the structure might rip or collapse.
If ever you feel unable to tackle a snow removal task, leave it to a professional. It’s important to have peace of mind!
Prevent foundation leaks
Have you noticed cracks along your inside walls, near doors or on the ceiling? This could be a sign that you need to remove snow from the roof.
In addition, to prevent leaks be sure to remove snow buildup from the perimeter of your foundation, and remember to check windows, window wells, and downspouts.
Remove snow from access points
Ice and snow should also be removed from porches, steps, driveways, sidewalks, and emergency exits to prevent falls and make it easy to evacuate in an emergency.
Are you covered for heavy snow and ice?
Promutuel Insurance offers a full range of coverage for your home or business, tailored to the Québec climate. Contact us to find out more.
17 February 2017
-
Free Time
Electric Cars: Not Just Electric, But High Tech Too
This year, at the Consumer Electronics Show (CES) in Las Vegas, Nissan announced that its next LEAF will feature self-driving technology that makes it virtually autonomous under certain conditions.
Read
Reading :
3 minutes
This year, at the Consumer Electronics Show (CES) in Las Vegas, Nissan announced that its next LEAF will feature self-driving technology that makes it virtually autonomous under certain conditions. So, what’s up in the electric car market? How are new technologies being integrated into new cars? We reached out to Mr. Robert Dupuy, spokesperson for l’Association des véhicules électriques du Québec (AVEQ) to get the inside scoop.
Q. How is Québec’s electric car market faring?
R.Well and poorly! On one hand, the market is doing well in that demand from consumers is fairly high. We saw the number of electric cars in Quebec grow by 70% last year. Generally, Quebecers are curious about and interested in this kind of vehicle. And half of all electric cars in Canada are in Québec. So the situation here is good, but, of course, there is always room for improvement!
Here’s an interesting fact: Québec’s provincial government was the first in Canada to introduce incentives encouraging people to purchase electric cars. Québec’s Drive Electric program offers a rebate of up to $8000 on the purchase or lease of an electric vehicle. It’s proof that Québec is playing a leading role when it comes to electric cars.
On the other hand, the market is lagging because automakers aren’t keeping pace with consumer demand. Some dealerships are still not selling electric cars, even if the make they represent includes electric models. Media coverage tends to be sparse or less than flattering, as the subject doesn’t make for good press. And, dealerships don’t do much advertising to promote sales.
Q. What sets Québec apart from other Canadian provinces in terms of electric vehicles?
R. In Québec, we are at an advantage because we have the cleanest and cheapest electricity in the country. Quebecers tend to have a green conscience, which isn’t necessarily the case in the rest of the country. Since we’re ahead of the curve, we are developing knowledge and expertise that will have significant economic benefits for Québec.
Norway: A Country That Drives Green! Norway is a good example of a society that promotes and recognizes the value of electric vehicles. For example, Norway has eliminated sales tax on the purchase of electric cars, offers many free parking spaces for drivers of electric cars, and has an extensive network of charging stations.
Q. Nissan Recently announced that its next-generation LEAF will virtually drive itself on highways thanks to highly advanced autonomous driving technology. What are your thoughts about their announcement?
R. It comes as no surprise! More and more technologies are being integrated into electric cars to enhance their autonomy. But this development is something else entirely. Vehicles will be capable of making decisions and anticipating and avoiding accidents.
Tesla’s Autopilot is a good example. The company is convinced that tomorrow’s car will be autonomous. With its cameras, ultrasonic sensors, and radar that collect data about the environment surrounding the vehicle, Autopilot’s capacities are mind-blowing.
The Tesla website even goes so far as to claim that Autopilot can be used for ride-sharing with the aim of generating revenue. You can almost see it becoming a new form of public transportation.
In Québec we still have a ways to go in our efforts to promote electric cars and their features. We’re in the middle of a paradigm shift. From a big picture perspective, the future seems bright. And technophiles will be well served by the market.
Québec in Numbers
17 February 2017
-
Free Time
Electric Cars: Not Just Electric, But High Tech Too
This year, at the Consumer Electronics Show (CES) in Las Vegas, Nissan announced that its next LEAF will feature self-driving technology that makes it virtually autonomous under certain conditions.
Read
Reading :
3 minutes
This year, at the Consumer Electronics Show (CES) in Las Vegas, Nissan announced that its next LEAF will feature self-driving technology that makes it virtually autonomous under certain conditions. So, what’s up in the electric car market? How are new technologies being integrated into new cars? We reached out to Mr. Robert Dupuy, spokesperson for l’Association des véhicules électriques du Québec (AVEQ) to get the inside scoop.
Q. How is Québec’s electric car market faring?
R.Well and poorly! On one hand, the market is doing well in that demand from consumers is fairly high. We saw the number of electric cars in Quebec grow by 70% last year. Generally, Quebecers are curious about and interested in this kind of vehicle. And half of all electric cars in Canada are in Québec. So the situation here is good, but, of course, there is always room for improvement!
Here’s an interesting fact: Québec’s provincial government was the first in Canada to introduce incentives encouraging people to purchase electric cars. Québec’s Drive Electric program offers a rebate of up to $8000 on the purchase or lease of an electric vehicle. It’s proof that Québec is playing a leading role when it comes to electric cars.
On the other hand, the market is lagging because automakers aren’t keeping pace with consumer demand. Some dealerships are still not selling electric cars, even if the make they represent includes electric models. Media coverage tends to be sparse or less than flattering, as the subject doesn’t make for good press. And, dealerships don’t do much advertising to promote sales.
Q. What sets Québec apart from other Canadian provinces in terms of electric vehicles?
R. In Québec, we are at an advantage because we have the cleanest and cheapest electricity in the country. Quebecers tend to have a green conscience, which isn’t necessarily the case in the rest of the country. Since we’re ahead of the curve, we are developing knowledge and expertise that will have significant economic benefits for Québec.
Norway: A Country That Drives Green! Norway is a good example of a society that promotes and recognizes the value of electric vehicles. For example, Norway has eliminated sales tax on the purchase of electric cars, offers many free parking spaces for drivers of electric cars, and has an extensive network of charging stations.
Q. Nissan Recently announced that its next-generation LEAF will virtually drive itself on highways thanks to highly advanced autonomous driving technology. What are your thoughts about their announcement?
R. It comes as no surprise! More and more technologies are being integrated into electric cars to enhance their autonomy. But this development is something else entirely. Vehicles will be capable of making decisions and anticipating and avoiding accidents.
Tesla’s Autopilot is a good example. The company is convinced that tomorrow’s car will be autonomous. With its cameras, ultrasonic sensors, and radar that collect data about the environment surrounding the vehicle, Autopilot’s capacities are mind-blowing.
The Tesla website even goes so far as to claim that Autopilot can be used for ride-sharing with the aim of generating revenue. You can almost see it becoming a new form of public transportation.
In Québec we still have a ways to go in our efforts to promote electric cars and their features. We’re in the middle of a paradigm shift. From a big picture perspective, the future seems bright. And technophiles will be well served by the market.
Québec in Numbers
14 February 2017
-
Things We Love
Yellow through the ages
Read
Reading :
5 minutes
Yellow. It’s an energizing colour that brings to mind sun, warmth, and happiness. And it’s not just part of Promutuel Insurance’s history—it’s part of human history! Yellow means different things to different cultures. Through the ages, yellow has left its mark on mythical objects and pop culture symbols, like New York’s yellow taxi cabs, popular television show The Simpsons, and even the yellow jersey in the Tour de France! So we’ve decided to pay tribute to a bold colour that Promutuel Insurance wears with pride.
New York’s Yellow Taxi Cabs
If you’ve ever been to the Big Apple, you’ll know that the streets of Manhattan are chock a block with yellow taxi cabs. Also known as medallion taxis, these cars have become true New York City icons!
Why Yellow?
The New York Taxicab Company first launched the yellow cabs on the streets of New York in the early 1900s. The idea was simply to make sure the cars would be easy to spot from afar. Over the years, the yellow cabs multiplied and became known the world over for their distinctive colour.
Popular Models
The Checker Cab, the Chevrolet Caprice and, more recently, the Toyota Camry Hybrid are some of the most popular models to have graced the streets of New York.
Source of images : Wikipedia, Zombieite, Flickr, licence CC BY 2.0 and Jason Lawrence, licence CC BY 2.0
TAXI!
14 February 2017
-
Things We Love
Yellow through the ages
Read
Reading :
5 minutes
Yellow. It’s an energizing colour that brings to mind sun, warmth, and happiness. And it’s not just part of Promutuel Insurance’s history—it’s part of human history! Yellow means different things to different cultures. Through the ages, yellow has left its mark on mythical objects and pop culture symbols, like New York’s yellow taxi cabs, popular television show The Simpsons, and even the yellow jersey in the Tour de France! So we’ve decided to pay tribute to a bold colour that Promutuel Insurance wears with pride.
New York’s Yellow Taxi Cabs
If you’ve ever been to the Big Apple, you’ll know that the streets of Manhattan are chock a block with yellow taxi cabs. Also known as medallion taxis, these cars have become true New York City icons!
Why Yellow?
The New York Taxicab Company first launched the yellow cabs on the streets of New York in the early 1900s. The idea was simply to make sure the cars would be easy to spot from afar. Over the years, the yellow cabs multiplied and became known the world over for their distinctive colour.
Popular Models
The Checker Cab, the Chevrolet Caprice and, more recently, the Toyota Camry Hybrid are some of the most popular models to have graced the streets of New York.
Source of images : Wikipedia, Zombieite, Flickr, licence CC BY 2.0 and Jason Lawrence, licence CC BY 2.0
TAXI!
8 February 2017
-
Things We Love
Our young directors share their thoughts!
Think you have what it takes to play a key role on a board of directors, but feel reluctant to make the leap? We asked our directors to tell us why they got involved and the tangible benefits they are reaping. After reading what they have to say, you won’t hesitate any longer.
Read
Reading :
4 minutes
Think you have what it takes to play a key role on a board of directors, but feel reluctant to make the leap? We asked our directors to tell us why they got involved and the tangible benefits they are reaping. After reading what they have to say, you won’t hesitate any longer.
Sophie Dion, Thetford Mines
His motivation: “Promutuel Insurance’s mutualist principles really struck a chord with me. The opportunity to actively participate in decision-making with a major organization that is a significant actor in the regional economy was also important. The challenges facing Groupe Promutuel and the willingness of the people there to cooperatively advance this Québec flagship while involving youth in the process—that’s what inspires me to stay.”
The benefits: “The beauty of Promutuel Insurance is the synergy between its emphasis on entrepreneurship and cooperation, and its community spirit. I am able to leverage my professional skills and experience to help advance a company that shares my values. It’s fulfilling! It also gives me a lot of satisfaction to see the economic and social benefits my involvement fosters in the region.
Joining the board of a mutual insurance association is… “Being part of a stimulating environment, meeting challenges, learning more about corporate governance, and being an agent for change in your community.”
Philippe Lupien, Trois-Rivières
His motivation:“I get excited about thinking strategically, being farsighted, looking at the medium and long term, and being hands off. It motivates me to know that our decisions will have a major impact on the prosperity of a mutual worth several million dollars.”
The benefits : “I get perspectives and expertise from all levels of governance. I find strategies and tools I can use in my own workplace. And seeing the way things are in other regions helps me keep an open mind.”
Joining the board of a mutual insurance association is…“An opportunity for personal and professional growth in a healthy environment with one of Québec’s finest employers.”
Kristalna Vincent, Sherbrooke
His motivation: “The mutual aid movement draws its strength from democratic governance. Its wealth stems from the diversity of the discussions between directors, who share the common goal of meeting the needs of insured members. Being a participant in these exchanges is both a privilege and a great responsibility.”
The benefits : “This tremendous experience has helped me understand the issues in the mutual industry. I learned the standards regarding damage insurance and corporate capitalization. The training program also lets you join in and get involved in the board very quickly. It has given me confidence in my abilities.”
Joining the board of a mutual insurance association is… “An opportunity to network and to better understand how businesses and mutualist governance work.”
Luc Gagnon, Rigaud
His motivation: “Initially, I got involved to expand my network, since I am not from the area. But I quickly became drawn into a fascinating industry: mutual insurance! Because Promutuel Insurance is deeply involved in our region, I’m giving back to the community by helping my mutual insurance association improve.”
The benefits:“Being part of the board of a mutual insurance association allows me to work in a team, which I have very little opportunity to do at my job. I have also acquired knowledge I can apply to my own business.”
Joining the board of a mutual insurance association is… “An opportunity to take a fantastic training program that will help you serve as a director. You don’t need any experience to join the board!”
Anick Boisvert, Gatineau
His motivation : “One of my goals in joining the board of directors was to gain experience. Being involved in a mutual insurance association is motivating for me because it allows me to make decisions and to meet people from various professional backgrounds.
The benefits : “I can take advantage of training sessions on a variety of subjects relating to governance. This helps me better understand my job and better position myself in the workplace. I have learned to excel and be forward-looking.”
Joining the board of a mutual insurance association is… “Life experience that will help you grow, learn, and discover.”
François Déry, Chicoutimi
His motivation : “As a director, I’m motivated by all the challenges that come with the role. Working in a 165-year-old organization and helping it grow even more, in such a competitive industry, is my calling. It’s very rewarding to know that what I do helps my mutual reach its goals.”
The benefits : “From a professional point of view, being a director is very fulfilling. Groupe Promutuel’s solid reputation in governance is a major asset both for the organization I run and for me personally. Every aspect of good governance introduced by the mutual applies to what I do every day.”
Joining the board of a mutual insurance association is… “I would tell anyone looking to become a director not to hesitate! The framework in place makes the role much easier and it’s very easy to stand out and make your mark.”
Interested? Send your resume to recrutement@promutuel.ca today.
Did you know? Promutuel Insurance includes 17 mutual insurance associations in all regions of Québec. Each one has a board of directors that ensures the association functions properly. Each board draws on its directors’ expertise, vision, and energy to make the best possible decisions for insured members.
8 February 2017
-
Things We Love
Our young directors share their thoughts!
Think you have what it takes to play a key role on a board of directors, but feel reluctant to make the leap? We asked our directors to tell us why they got involved and the tangible benefits they are reaping. After reading what they have to say, you won’t hesitate any longer.
Read
Reading :
4 minutes
Think you have what it takes to play a key role on a board of directors, but feel reluctant to make the leap? We asked our directors to tell us why they got involved and the tangible benefits they are reaping. After reading what they have to say, you won’t hesitate any longer.
Sophie Dion, Thetford Mines
His motivation: “Promutuel Insurance’s mutualist principles really struck a chord with me. The opportunity to actively participate in decision-making with a major organization that is a significant actor in the regional economy was also important. The challenges facing Groupe Promutuel and the willingness of the people there to cooperatively advance this Québec flagship while involving youth in the process—that’s what inspires me to stay.”
The benefits: “The beauty of Promutuel Insurance is the synergy between its emphasis on entrepreneurship and cooperation, and its community spirit. I am able to leverage my professional skills and experience to help advance a company that shares my values. It’s fulfilling! It also gives me a lot of satisfaction to see the economic and social benefits my involvement fosters in the region.
Joining the board of a mutual insurance association is… “Being part of a stimulating environment, meeting challenges, learning more about corporate governance, and being an agent for change in your community.”
Philippe Lupien, Trois-Rivières
His motivation:“I get excited about thinking strategically, being farsighted, looking at the medium and long term, and being hands off. It motivates me to know that our decisions will have a major impact on the prosperity of a mutual worth several million dollars.”
The benefits : “I get perspectives and expertise from all levels of governance. I find strategies and tools I can use in my own workplace. And seeing the way things are in other regions helps me keep an open mind.”
Joining the board of a mutual insurance association is…“An opportunity for personal and professional growth in a healthy environment with one of Québec’s finest employers.”
Kristalna Vincent, Sherbrooke
His motivation: “The mutual aid movement draws its strength from democratic governance. Its wealth stems from the diversity of the discussions between directors, who share the common goal of meeting the needs of insured members. Being a participant in these exchanges is both a privilege and a great responsibility.”
The benefits : “This tremendous experience has helped me understand the issues in the mutual industry. I learned the standards regarding damage insurance and corporate capitalization. The training program also lets you join in and get involved in the board very quickly. It has given me confidence in my abilities.”
Joining the board of a mutual insurance association is… “An opportunity to network and to better understand how businesses and mutualist governance work.”
Luc Gagnon, Rigaud
His motivation: “Initially, I got involved to expand my network, since I am not from the area. But I quickly became drawn into a fascinating industry: mutual insurance! Because Promutuel Insurance is deeply involved in our region, I’m giving back to the community by helping my mutual insurance association improve.”
The benefits:“Being part of the board of a mutual insurance association allows me to work in a team, which I have very little opportunity to do at my job. I have also acquired knowledge I can apply to my own business.”
Joining the board of a mutual insurance association is… “An opportunity to take a fantastic training program that will help you serve as a director. You don’t need any experience to join the board!”
Anick Boisvert, Gatineau
His motivation : “One of my goals in joining the board of directors was to gain experience. Being involved in a mutual insurance association is motivating for me because it allows me to make decisions and to meet people from various professional backgrounds.
The benefits : “I can take advantage of training sessions on a variety of subjects relating to governance. This helps me better understand my job and better position myself in the workplace. I have learned to excel and be forward-looking.”
Joining the board of a mutual insurance association is… “Life experience that will help you grow, learn, and discover.”
François Déry, Chicoutimi
His motivation : “As a director, I’m motivated by all the challenges that come with the role. Working in a 165-year-old organization and helping it grow even more, in such a competitive industry, is my calling. It’s very rewarding to know that what I do helps my mutual reach its goals.”
The benefits : “From a professional point of view, being a director is very fulfilling. Groupe Promutuel’s solid reputation in governance is a major asset both for the organization I run and for me personally. Every aspect of good governance introduced by the mutual applies to what I do every day.”
Joining the board of a mutual insurance association is… “I would tell anyone looking to become a director not to hesitate! The framework in place makes the role much easier and it’s very easy to stand out and make your mark.”
Interested? Send your resume to recrutement@promutuel.ca today.
Did you know? Promutuel Insurance includes 17 mutual insurance associations in all regions of Québec. Each one has a board of directors that ensures the association functions properly. Each board draws on its directors’ expertise, vision, and energy to make the best possible decisions for insured members.
2 February 2017
-
Employment
Better breathing boosts productivity!
Read
Reading :
3 minutes
Work productivity depends on a wide range of abilities such as focus, adaptability, and efficiency. Given how demanding our personal and professional lives can be, it can sometimes be difficult to make the most of these abilities.
And yet, there’s a simple way to boost productivity hidden right under our noses (literally!)—breathing. Read on to learn how breathing can help you and how you can add it to your routine.
Our breathing habits
“We tend to rely on the accessory muscles in our upper chest area to breathe,” says Chantale Julien, yoga, yoga nidra, and meditation instructor.
“But breathing from lower down—from the abdomen—provides many benefits.” That’s why athletes and singers, among others, do breathing exercises before and after they perform.
Tangible benefits
“Deep breathing improves concentration and helps you relax and be in the moment,” says Julien.
“Ideally, breathing exercises should be part of your routine and be done when you’re not stressed, like at home in the morning or in your car on your way to work. You feel the benefits as time goes on—you become more productive and find it easier to handle demanding and stressful situations.”
Abdominal breathing in four steps
Want to give it a try? Chantale Julien recommends this four-step breathing exercise that you can start doing right away!
Sit or lie down in a comfortable position. Keep your back straight.
Relax your shoulders. Breathe consciously. Feel your breath flowing in and out through your nose.
Then, focus on your abdomen. When you exhale, pull it in. This will lead to deeper, longer, and slower exhalations that end in your abdomen. When you inhale, watch your abdomen and navel rise.
Continue for three to five minutes.
Remember, you’re responsible for your performance at work. So go ahead and take a breather. It can only benefit you!
Thanks to Chantale Julien, yoga, yoga nidra, and meditation instructor for sharing this advice.
What tricks help you be productive at work?
2 February 2017
-
Employment
Better breathing boosts productivity!
Read
Reading :
3 minutes
Work productivity depends on a wide range of abilities such as focus, adaptability, and efficiency. Given how demanding our personal and professional lives can be, it can sometimes be difficult to make the most of these abilities.
And yet, there’s a simple way to boost productivity hidden right under our noses (literally!)—breathing. Read on to learn how breathing can help you and how you can add it to your routine.
Our breathing habits
“We tend to rely on the accessory muscles in our upper chest area to breathe,” says Chantale Julien, yoga, yoga nidra, and meditation instructor.
“But breathing from lower down—from the abdomen—provides many benefits.” That’s why athletes and singers, among others, do breathing exercises before and after they perform.
Tangible benefits
“Deep breathing improves concentration and helps you relax and be in the moment,” says Julien.
“Ideally, breathing exercises should be part of your routine and be done when you’re not stressed, like at home in the morning or in your car on your way to work. You feel the benefits as time goes on—you become more productive and find it easier to handle demanding and stressful situations.”
Abdominal breathing in four steps
Want to give it a try? Chantale Julien recommends this four-step breathing exercise that you can start doing right away!
Sit or lie down in a comfortable position. Keep your back straight.
Relax your shoulders. Breathe consciously. Feel your breath flowing in and out through your nose.
Then, focus on your abdomen. When you exhale, pull it in. This will lead to deeper, longer, and slower exhalations that end in your abdomen. When you inhale, watch your abdomen and navel rise.
Continue for three to five minutes.
Remember, you’re responsible for your performance at work. So go ahead and take a breather. It can only benefit you!
Thanks to Chantale Julien, yoga, yoga nidra, and meditation instructor for sharing this advice.
What tricks help you be productive at work?
19 January 2017
-
Things We Love
Kitesurfing in Winter? Why Not?
Did you know that in Québec it’s possible to kitesurf year round? You can kitesurf on our lakes in summer, on our green spaces in spring and fall, and on our snowy fields and frozen lakes in winter.
Read
Reading :
2 minutes
Did you know that in Québec it’s possible to kitesurf year round? You can kitesurf on our lakes in summer, on our green spaces in spring and fall, and on our snowy fields and frozen lakes in winter. It's the perfect sport for Québec! But how does kitesurfing work in winter?We talked about that with Catherine Dufour, our favorite kitesurfer!!
Snowkiting
Allow us to introduce snowkiting, the winter version of kitesurfing! Like its summertime equivalent, snowkiting uses traction generated by a power kite. But in this case, surfers glide on skis or a snowboard (the same type of equipment as used on ski slopes).
Specific Features
As the sport involves wind, a force of nature that cannot be controlled, both kitesurfing and snowkiting require constant adjustment. So before starting out it's important to get an introduction to the sport or learn more about how to control the kite by taking a class.
Many excellent schools in Québec, such as Suroît Aventures on Isle-aux-Coudres in the Charlevoix region, offer exciting, safe classes. And as snow is plentiful in Charlevoix this year, snowkiting conditions are perfect!
Where to Snowkite
With its wide open spaces and lakes, Québec is the ideal place to snowkite. To find out which snow-covered sites you can use, check with landowners, local snowkiting companies, or snowkite enthusiasts in the area. This winter, head to the Montréal and Québec City areas, Saguenay, Mistassini Lake, the Baskatong Reservoir, and Charlevoix to experience snowkiting.
Snowkiting Events
Each winter, many different snowkiting events and gatherings are held, including the Snowkite Quebec Cup, a snowkite racing competition that typically takes place in four stages. Each stage involves two days of racing in different locations.
Perfect for discovering new snowkiting destinations, the event is extremely popular among participants and spectators alike. Head to the Facebook page of the 2017 competition to see what's in store!
What is your favorite winter sport?
19 January 2017
-
Things We Love
Kitesurfing in Winter? Why Not?
Did you know that in Québec it’s possible to kitesurf year round? You can kitesurf on our lakes in summer, on our green spaces in spring and fall, and on our snowy fields and frozen lakes in winter.
Read
Reading :
2 minutes
Did you know that in Québec it’s possible to kitesurf year round? You can kitesurf on our lakes in summer, on our green spaces in spring and fall, and on our snowy fields and frozen lakes in winter. It's the perfect sport for Québec! But how does kitesurfing work in winter?We talked about that with Catherine Dufour, our favorite kitesurfer!!
Snowkiting
Allow us to introduce snowkiting, the winter version of kitesurfing! Like its summertime equivalent, snowkiting uses traction generated by a power kite. But in this case, surfers glide on skis or a snowboard (the same type of equipment as used on ski slopes).
Specific Features
As the sport involves wind, a force of nature that cannot be controlled, both kitesurfing and snowkiting require constant adjustment. So before starting out it's important to get an introduction to the sport or learn more about how to control the kite by taking a class.
Many excellent schools in Québec, such as Suroît Aventures on Isle-aux-Coudres in the Charlevoix region, offer exciting, safe classes. And as snow is plentiful in Charlevoix this year, snowkiting conditions are perfect!
Where to Snowkite
With its wide open spaces and lakes, Québec is the ideal place to snowkite. To find out which snow-covered sites you can use, check with landowners, local snowkiting companies, or snowkite enthusiasts in the area. This winter, head to the Montréal and Québec City areas, Saguenay, Mistassini Lake, the Baskatong Reservoir, and Charlevoix to experience snowkiting.
Snowkiting Events
Each winter, many different snowkiting events and gatherings are held, including the Snowkite Quebec Cup, a snowkite racing competition that typically takes place in four stages. Each stage involves two days of racing in different locations.
Perfect for discovering new snowkiting destinations, the event is extremely popular among participants and spectators alike. Head to the Facebook page of the 2017 competition to see what's in store!
What is your favorite winter sport?
11 January 2017
-
On the Road
Car Accidents: At Fault or Not?
You’ve been in a car accident. Fortunately, there was more fear than harm and no one’s hurt! But one question remains: who’s at fault? Let’s take a closer look to get a better idea.
Read
Reading :
4 minutes
You’ve been in a car accident. Fortunately, there was more fear than harm and no one’s hurt! But one question remains: who’s at fault? Let’s take a closer look to get a better idea.
Car insurance coverage reminders
In Québec, for car insurance, third party liability insurance is mandatory. It covers:
Damage resulting from a collision when the insured person is not at fault
Property damage and bodily injury resulting from an accident that occurs outside Québec
Damage caused to a third party for which the insured person may be held liable
In plain English, it’s what we call “one-sided insurance.” Every vehicle owner needs third party liability insurance of at least $50,000, but people generally choose $1,000,000.
“Two-sided insurance”means you are covered for damage caused to insured vehicles. This can be a collision or an upset, or perils that are neither a collision nor an upset, including theft, damage from fire, wind, or hail, vandalism, and so on. Damage from a collision with people or animals is also covered, and various endorsements (additional coverage) are available.
Joint report
Back to the accident. The first thing you should do is prepare a joint report. This document lets the parties involved identify themselves and give details on the accident and damage caused to the vehicles. You can find one on the GAA (Groupement des assureurs automobiles) website.
Caution! The purpose of a joint report is to determine the facts; it is not an admission of liability.
Reporting the accident
You must report the accident to your insurer as soon as possible. Car accidents are recorded in a database managed by GAA for a period of six years.
Who determines liability following an accident?
Your insurer determines your liability in an accident. They do this using the Direct Compensation Agreement, an arrangement between auto insurance companies based on various principles. The Agreement applies to accidents occurring in Québec between two vehicles whose owners have been identified. It outlines the various possible scenarios along with ranges.
Important: The Agreement does not apply to hit-and-runs as the owner of the vehicle causing the damage is not identified. You can ask about this when shopping for car insurance.
Be careful on the road!
11 January 2017
-
On the Road
Car Accidents: At Fault or Not?
You’ve been in a car accident. Fortunately, there was more fear than harm and no one’s hurt! But one question remains: who’s at fault? Let’s take a closer look to get a better idea.
Read
Reading :
4 minutes
You’ve been in a car accident. Fortunately, there was more fear than harm and no one’s hurt! But one question remains: who’s at fault? Let’s take a closer look to get a better idea.
Car insurance coverage reminders
In Québec, for car insurance, third party liability insurance is mandatory. It covers:
Damage resulting from a collision when the insured person is not at fault
Property damage and bodily injury resulting from an accident that occurs outside Québec
Damage caused to a third party for which the insured person may be held liable
In plain English, it’s what we call “one-sided insurance.” Every vehicle owner needs third party liability insurance of at least $50,000, but people generally choose $1,000,000.
“Two-sided insurance”means you are covered for damage caused to insured vehicles. This can be a collision or an upset, or perils that are neither a collision nor an upset, including theft, damage from fire, wind, or hail, vandalism, and so on. Damage from a collision with people or animals is also covered, and various endorsements (additional coverage) are available.
Joint report
Back to the accident. The first thing you should do is prepare a joint report. This document lets the parties involved identify themselves and give details on the accident and damage caused to the vehicles. You can find one on the GAA (Groupement des assureurs automobiles) website.
Caution! The purpose of a joint report is to determine the facts; it is not an admission of liability.
Reporting the accident
You must report the accident to your insurer as soon as possible. Car accidents are recorded in a database managed by GAA for a period of six years.
Who determines liability following an accident?
Your insurer determines your liability in an accident. They do this using the Direct Compensation Agreement, an arrangement between auto insurance companies based on various principles. The Agreement applies to accidents occurring in Québec between two vehicles whose owners have been identified. It outlines the various possible scenarios along with ranges.
Important: The Agreement does not apply to hit-and-runs as the owner of the vehicle causing the damage is not identified. You can ask about this when shopping for car insurance.
Be careful on the road!
8 December 2016
-
Temps libre
Zoom on sharing economies
Read
Reading :
2 minutes
It’s a trend that’s making headlines: a growing number of people and businesses are sharing goods and services based on when they need them. It’s the concept behind collaborative workspaces, BIXI, AirBnB, Uber, and many more. Thanks to a variety of trust based networks, Generations Y and Z are moving from a lifestyle based on ownership to one based on usership. Here are some concrete examples of this growing trend.
car sharing
Turo
Turo lets you rent your car to strangers. The vehicle is covered by Turo’s business insurance while the car is being delivered and during the rental period. When the car isn’t being used by Turo, the driver is covered by their regular insurance policy .
Communauto
Communauto has stations in a number of regions throughout Québec. The concept is simple and highly effective: Communauto gives you access to a fleet of over a thousand vehicles that can be rented for a half hour, an hour, a day, or longer at a reasonable rate. The company covers all operational and maintenance costs and even pays for the gas!
shared parking
8 %. That’s how much land is taken up by parking spaces on the Island of Montreal1. Car sharing—in all its forms—is well established in the province and now shared parking is on the rise. Commuters driving around the block in search of parking spots compound the problem of rush hour traffic and its environmental impact. Several start-ups now sell vacant parking spots by the hour, week, or month by partnering with the owners of individual parking spaces. Brilliant!
alternative accommodations
AirBnB
AirBnB is a well-known community platform for short term property rentals. With over 1.5 million rental postings in 192 countries, it’s now an established business.
In Quebec, the government is in the process of defining the rules for using rental platforms like AirBnB. A new law will allow people to rent properties without certification on an occasional basis—when they’re on holiday or during a festival, for example— but not on an ongoing basis.
The sharing economy exists in other spheres as well, like commerce, energy, education, and public services. So many possibilities!
Have you joined the sharing economy?
1 http://auto.lapresse.ca/actualites/201502/16/01-4844526-et-maintenant-le-stationnement-partage.php
8 December 2016
-
Temps libre
Zoom on sharing economies
Read
Reading :
2 minutes
It’s a trend that’s making headlines: a growing number of people and businesses are sharing goods and services based on when they need them. It’s the concept behind collaborative workspaces, BIXI, AirBnB, Uber, and many more. Thanks to a variety of trust based networks, Generations Y and Z are moving from a lifestyle based on ownership to one based on usership. Here are some concrete examples of this growing trend.
car sharing
Turo
Turo lets you rent your car to strangers. The vehicle is covered by Turo’s business insurance while the car is being delivered and during the rental period. When the car isn’t being used by Turo, the driver is covered by their regular insurance policy .
Communauto
Communauto has stations in a number of regions throughout Québec. The concept is simple and highly effective: Communauto gives you access to a fleet of over a thousand vehicles that can be rented for a half hour, an hour, a day, or longer at a reasonable rate. The company covers all operational and maintenance costs and even pays for the gas!
shared parking
8 %. That’s how much land is taken up by parking spaces on the Island of Montreal1. Car sharing—in all its forms—is well established in the province and now shared parking is on the rise. Commuters driving around the block in search of parking spots compound the problem of rush hour traffic and its environmental impact. Several start-ups now sell vacant parking spots by the hour, week, or month by partnering with the owners of individual parking spaces. Brilliant!
alternative accommodations
AirBnB
AirBnB is a well-known community platform for short term property rentals. With over 1.5 million rental postings in 192 countries, it’s now an established business.
In Quebec, the government is in the process of defining the rules for using rental platforms like AirBnB. A new law will allow people to rent properties without certification on an occasional basis—when they’re on holiday or during a festival, for example— but not on an ongoing basis.
The sharing economy exists in other spheres as well, like commerce, energy, education, and public services. So many possibilities!
Have you joined the sharing economy?
1 http://auto.lapresse.ca/actualites/201502/16/01-4844526-et-maintenant-le-stationnement-partage.php
29 November 2016
-
Free Time
Spice up the Holidays with original elf-on-a-shelf ideas to surprise your kids
Elf on a shelf is back again this year from December 1 to 24. The elves have been around for a few years, so it might be getting harder to keep the idea fresh and fun. Never fear! We've searched high and low on the Web for wacky and original ideas that will surprise your kids—and take the pressure off you, too. The websites are all in French.
Read
Reading :
2 minutes
Elf on a shelf is back again this year from December 1 to 24. The elves have been around for a few years, so it might be getting harder to keep the idea fresh and fun. Never fear! We've searched high and low on the Web for wacky and original ideas that will surprise your kids—and take the pressure off you, too. The websites are all in French.
Popular website Maman pour la vie recently listed off 12 elf tricks for stressed out—or slacker—parents. We particularly like the elf with a sweet tooth who’s trying to brush her (or his) teeth with chocolate syrup!
Like making things? Trucs et bricolages is crafts website that’s collected 50 fun photos featuring great ideas for your elf. The spaghetti with jujubes and marshmallows is sure to get a giggle out of your kids.
Poupons et Cie (Babies & co.) has chosen their top 35 elf tricks These are tricks that have been thoroughly vetted. We were particularly taken with the gift-wrapped toilet. Ho ho ho!
Tricks tested by the staff at Promutuel Insurance
We asked around the office for inspiring elf-on-a-shelf tricks dreamed up by our colleagues during Christmases past. Here are some testimonials:
29 November 2016
-
Free Time
Spice up the Holidays with original elf-on-a-shelf ideas to surprise your kids
Elf on a shelf is back again this year from December 1 to 24. The elves have been around for a few years, so it might be getting harder to keep the idea fresh and fun. Never fear! We've searched high and low on the Web for wacky and original ideas that will surprise your kids—and take the pressure off you, too. The websites are all in French.
Read
Reading :
2 minutes
Elf on a shelf is back again this year from December 1 to 24. The elves have been around for a few years, so it might be getting harder to keep the idea fresh and fun. Never fear! We've searched high and low on the Web for wacky and original ideas that will surprise your kids—and take the pressure off you, too. The websites are all in French.
Popular website Maman pour la vie recently listed off 12 elf tricks for stressed out—or slacker—parents. We particularly like the elf with a sweet tooth who’s trying to brush her (or his) teeth with chocolate syrup!
Like making things? Trucs et bricolages is crafts website that’s collected 50 fun photos featuring great ideas for your elf. The spaghetti with jujubes and marshmallows is sure to get a giggle out of your kids.
Poupons et Cie (Babies & co.) has chosen their top 35 elf tricks These are tricks that have been thoroughly vetted. We were particularly taken with the gift-wrapped toilet. Ho ho ho!
Tricks tested by the staff at Promutuel Insurance
We asked around the office for inspiring elf-on-a-shelf tricks dreamed up by our colleagues during Christmases past. Here are some testimonials:
29 November 2016
-
On the Road
4 ways to prepare your car for winter
The snow comes at different times each year, but often the first flakes begin falling in November. What can you do to get your car ready before the cold season gets into full swing? Here are a few things to consider.
Read
Reading :
3 minutes
The snow comes at different times each year, but often the first flakes begin falling in November. What can you do to get your car ready before the cold season gets into full swing? Here are a few things to consider.
1. Change the oil
Generally speaking, you should change your car’s oil at least twice a year, in the summer and in the winter. But maintenance schedules vary from model to model. That’s why it’s a good idea to read the owner’s manual—you’ll find useful information inside.
2. Put on winter tires
Putting on winter tires isn’t just a necessity—it’s the law! Since the new mandatory snow tire law took effect, the tire market has become increasingly competitive. Research the various types of tires and check their pressure because it affects how quickly they wear out.
3. Make sure you have the tools you need
It goes without saying: visibility in extreme cold is crucial! That’s why you need to have the right tools to remove snow and ice from your car. Did you know that failure to properly remove the snow from your vehicle—including from the headlights and license plate—can cost you a fine of $100 to $200?
Make sure you always have a new container of windshield washer fluid with you. And check your wipers before winter, since damaged wipers are less effective. The magazine Protégez-Vous explains everything in its short video, how to change your car’s wipers (in French only ). Depending on the quality of the wipers, we recommend you buy new ones every year. Some wipers come equipped with a wear indicator to let you know when to change them.
4. Apply rust-proofing to the body of your car
Winter is hard and road salt can eat away at your car. That’s why maintenance is important. A good rust-proofing product can protect your car and preserve its value. Rust-proofing has a lot of advantages even if it can cause damage to your car. Remember that salt reduces the number of accidents and helps people save on gas thanks to better traction.
Be careful!
The best advice is to always reduce your speed and adapt your driving to the weather and road conditions. Winter is a tough season and cold weather increases the risk of accidents.
29 November 2016
-
On the Road
4 ways to prepare your car for winter
The snow comes at different times each year, but often the first flakes begin falling in November. What can you do to get your car ready before the cold season gets into full swing? Here are a few things to consider.
Read
Reading :
3 minutes
The snow comes at different times each year, but often the first flakes begin falling in November. What can you do to get your car ready before the cold season gets into full swing? Here are a few things to consider.
1. Change the oil
Generally speaking, you should change your car’s oil at least twice a year, in the summer and in the winter. But maintenance schedules vary from model to model. That’s why it’s a good idea to read the owner’s manual—you’ll find useful information inside.
2. Put on winter tires
Putting on winter tires isn’t just a necessity—it’s the law! Since the new mandatory snow tire law took effect, the tire market has become increasingly competitive. Research the various types of tires and check their pressure because it affects how quickly they wear out.
3. Make sure you have the tools you need
It goes without saying: visibility in extreme cold is crucial! That’s why you need to have the right tools to remove snow and ice from your car. Did you know that failure to properly remove the snow from your vehicle—including from the headlights and license plate—can cost you a fine of $100 to $200?
Make sure you always have a new container of windshield washer fluid with you. And check your wipers before winter, since damaged wipers are less effective. The magazine Protégez-Vous explains everything in its short video, how to change your car’s wipers (in French only ). Depending on the quality of the wipers, we recommend you buy new ones every year. Some wipers come equipped with a wear indicator to let you know when to change them.
4. Apply rust-proofing to the body of your car
Winter is hard and road salt can eat away at your car. That’s why maintenance is important. A good rust-proofing product can protect your car and preserve its value. Rust-proofing has a lot of advantages even if it can cause damage to your car. Remember that salt reduces the number of accidents and helps people save on gas thanks to better traction.
Be careful!
The best advice is to always reduce your speed and adapt your driving to the weather and road conditions. Winter is a tough season and cold weather increases the risk of accidents.
22 November 2016
-
Employment
Yoga at work: the best way to balance body and mind
A number of companies offer sports and wellbeing activities in the workplace. It helps employees stay in shape and allows them to socialize in an informal setting while taking a break.
Read
Reading :
3 minutes
A number of companies offer sports and wellbeing activities in the workplace. It helps employees stay in shape and allows them to socialize in an informal setting while taking a break.
More and more people (including several Promutuel Insurance employees) are trying yoga, yoga nidra (relaxation), and meditation.To find out more about the benefits of these practices in the workplace, we talked to Chantale Julien, a yoga, meditation, and yoga nidra instructor.
Q. In general, what are the needs of companies who contact you?
A. Quite often they call me at the request of their employees. They’re looking for a way to help their staff feel better, manage their stress, and improve their productivity.
The employees want take part in a fun activity that’s good for them, helps them reduce stress and tension in the body and increases their concentration. And that’s exactly what yoga, meditation, and yoga nidra do!
Q. Who can benefit from yoga in the workplace?
A. Yoga is adaptable. It’s for everyone—managers and employees alike. Athletic people who already exercise outside of work may find it less beneficial. My clients are mostly parents since you don’t need to be in any particular shape to do yoga and I teach classes during the day. Which is handy because the evenings are usually really busy!
Q. You teach yoga, meditation, and yoga nidra classes. What are the differences between the three practices?
R. Hatha yoga involves physical movements while standing and sitting, combined with breathing exercises. Hatha yoga helps you stay flexible, increase your strength and maintain a healthy balance between body and mind.
Meditation is practiced while sitting still. It helps you develop your inner consciousness and to be present in the moment, which isn’t always easy to do these days! I lead guided meditation sessions.
Yoga nidra, sometimes called yogic sleep, is mainly practiced lying on a mat. We practice a few hatha yoga movements at the beginning of class to prepare the body and mind to relax. The sessions continue with guided relaxation and visualization exercises to help you sleep better at night and concentrate during the day. Yoga nidra works quickly. People who practice it soon see improvements in their memory, concentration, and quality of sleep. It’s very popular because the results can be felt almost right away.
Q. What advice would you give a person who wants to start doing yoga outside of work?
R. Choose a teacher who is certified by Fédération francophone de yoga or Yoga Alliance Canada.
Go to a yoga studio that’s recognized by these organizations.
Do some research on the school, classes, and clientele beforehand.
Try three or four different classes before signing up. There are dozens of different types of yoga—hatha yoga, vinyasa yoga, hot yoga, ashtanga yoga, and much more. So there really is something for everyone.
Start with the basics. Find a yoga class for beginners.
Stick with it! Yoga is different from other activities we’re used to doing. You need to take three or four classes to feel comfortable. We're always looking for fast results. Yoga is different! It takes time to get used to it.
Thanks to yoga, meditation, and yoga nidra instructor Chantale Julien for her time.
Do you practice a sport or other physical activity for your wellbeing at work?
22 November 2016
-
Employment
Yoga at work: the best way to balance body and mind
A number of companies offer sports and wellbeing activities in the workplace. It helps employees stay in shape and allows them to socialize in an informal setting while taking a break.
Read
Reading :
3 minutes
A number of companies offer sports and wellbeing activities in the workplace. It helps employees stay in shape and allows them to socialize in an informal setting while taking a break.
More and more people (including several Promutuel Insurance employees) are trying yoga, yoga nidra (relaxation), and meditation.To find out more about the benefits of these practices in the workplace, we talked to Chantale Julien, a yoga, meditation, and yoga nidra instructor.
Q. In general, what are the needs of companies who contact you?
A. Quite often they call me at the request of their employees. They’re looking for a way to help their staff feel better, manage their stress, and improve their productivity.
The employees want take part in a fun activity that’s good for them, helps them reduce stress and tension in the body and increases their concentration. And that’s exactly what yoga, meditation, and yoga nidra do!
Q. Who can benefit from yoga in the workplace?
A. Yoga is adaptable. It’s for everyone—managers and employees alike. Athletic people who already exercise outside of work may find it less beneficial. My clients are mostly parents since you don’t need to be in any particular shape to do yoga and I teach classes during the day. Which is handy because the evenings are usually really busy!
Q. You teach yoga, meditation, and yoga nidra classes. What are the differences between the three practices?
R. Hatha yoga involves physical movements while standing and sitting, combined with breathing exercises. Hatha yoga helps you stay flexible, increase your strength and maintain a healthy balance between body and mind.
Meditation is practiced while sitting still. It helps you develop your inner consciousness and to be present in the moment, which isn’t always easy to do these days! I lead guided meditation sessions.
Yoga nidra, sometimes called yogic sleep, is mainly practiced lying on a mat. We practice a few hatha yoga movements at the beginning of class to prepare the body and mind to relax. The sessions continue with guided relaxation and visualization exercises to help you sleep better at night and concentrate during the day. Yoga nidra works quickly. People who practice it soon see improvements in their memory, concentration, and quality of sleep. It’s very popular because the results can be felt almost right away.
Q. What advice would you give a person who wants to start doing yoga outside of work?
R. Choose a teacher who is certified by Fédération francophone de yoga or Yoga Alliance Canada.
Go to a yoga studio that’s recognized by these organizations.
Do some research on the school, classes, and clientele beforehand.
Try three or four different classes before signing up. There are dozens of different types of yoga—hatha yoga, vinyasa yoga, hot yoga, ashtanga yoga, and much more. So there really is something for everyone.
Start with the basics. Find a yoga class for beginners.
Stick with it! Yoga is different from other activities we’re used to doing. You need to take three or four classes to feel comfortable. We're always looking for fast results. Yoga is different! It takes time to get used to it.
Thanks to yoga, meditation, and yoga nidra instructor Chantale Julien for her time.
Do you practice a sport or other physical activity for your wellbeing at work?
17 October 2016
-
Safety and Prevention
Preparing Your Home for Winter
Getting your home ready before the cold weather sets in and snow starts falling is a chore for many. But don’t worry! We’ve got a checklist to make your life easier.
Read
Reading :
3 minutes
The days aren’t just getting shorter—they’re getting colder! Getting your home ready before the cold weather sets in and snow starts falling is a chore for many. But don’t worry! We’ve got a checklist to make your life easier. Simply print out the image, put it in your pocket, and check off each task once it’s completed.
Preventive maintenance is always beneficial for your home insurance!
Inside
1. Doors and windows. Remember to insulate your doors and windows. Check the weatherstripping around doors. Replace it if necessary.
2. Air exchanger.Clean or replace your air exchanger if necessary.
3. Warning devices. Change the batteries in your smoke and carbon monoxide detectors. Change your devices at the end of their service life, i.e., after 10 years for a smoke detector and 7 years for a carbon monoxide detector.
4. Electric baseboard heaters. Clean them.
Outside
5. Trees, bushes, and plants. Cover them up!
6. Furniture and barbecue. Clean and store them. For safety reasons, do not store a propane tank indoors.
7. Gutters. Clean out the gutters to remove any debris. Make sure they are well anchored.
8. Exterior walls. Inspect the exterior walls and foundation. Fill any cracks.
9. Air extractors. Check the condition of the air extractor grill of the range hood in the kitchen and the exhaust fan in each bathroom to help keep out rodents this winter. Make sure the seals are airtight.
10. Roof. Check the condition of your roof.
11. Water pipes. Shut off the water supply to your outdoor faucet to prevent the pipe from freezing and bursting. Be careful! It is not enough to simply turn off the tap. You have to close the valve inside your house, then turn on the faucet outside to let the water out.
12. Chimney. Make sure the top is unobstructed. Check the joints and see if there are any cracks. Have your chimney cleaned by a qualified professional.
13. Driveway and portable car shelter. Fill the cracks in your driveway. Get anchors to properly secure your portable car shelter and install marker poles at the entrance.
14. Hot tub and pool. Clean and empty, store the components, pour in antifreeze, and install a winter cover. Remove snow from the hot tub cover in the winter. Hire a specialist—it’s worth the cost!
17 October 2016
-
Safety and Prevention
Preparing Your Home for Winter
Getting your home ready before the cold weather sets in and snow starts falling is a chore for many. But don’t worry! We’ve got a checklist to make your life easier.
Read
Reading :
3 minutes
The days aren’t just getting shorter—they’re getting colder! Getting your home ready before the cold weather sets in and snow starts falling is a chore for many. But don’t worry! We’ve got a checklist to make your life easier. Simply print out the image, put it in your pocket, and check off each task once it’s completed.
Preventive maintenance is always beneficial for your home insurance!
Inside
1. Doors and windows. Remember to insulate your doors and windows. Check the weatherstripping around doors. Replace it if necessary.
2. Air exchanger.Clean or replace your air exchanger if necessary.
3. Warning devices. Change the batteries in your smoke and carbon monoxide detectors. Change your devices at the end of their service life, i.e., after 10 years for a smoke detector and 7 years for a carbon monoxide detector.
4. Electric baseboard heaters. Clean them.
Outside
5. Trees, bushes, and plants. Cover them up!
6. Furniture and barbecue. Clean and store them. For safety reasons, do not store a propane tank indoors.
7. Gutters. Clean out the gutters to remove any debris. Make sure they are well anchored.
8. Exterior walls. Inspect the exterior walls and foundation. Fill any cracks.
9. Air extractors. Check the condition of the air extractor grill of the range hood in the kitchen and the exhaust fan in each bathroom to help keep out rodents this winter. Make sure the seals are airtight.
10. Roof. Check the condition of your roof.
11. Water pipes. Shut off the water supply to your outdoor faucet to prevent the pipe from freezing and bursting. Be careful! It is not enough to simply turn off the tap. You have to close the valve inside your house, then turn on the faucet outside to let the water out.
12. Chimney. Make sure the top is unobstructed. Check the joints and see if there are any cracks. Have your chimney cleaned by a qualified professional.
13. Driveway and portable car shelter. Fill the cracks in your driveway. Get anchors to properly secure your portable car shelter and install marker poles at the entrance.
14. Hot tub and pool. Clean and empty, store the components, pour in antifreeze, and install a winter cover. Remove snow from the hot tub cover in the winter. Hire a specialist—it’s worth the cost!
11 October 2016
-
Safety and Prevention
Residential Fires: Facts and Fiction
Read
Reading :
2 minutes
Quebec sees an average of 16,000 fires each year1. Most of them are residential. Though that number has been decreasing since 2010, residential fires continue to do major damage.
Fire Prevention Week runs October 9 to 15 this year. To mark the occasion, we sat down with Annie Marmen, a media and prevention officer with the Quebec City Fire Department (french only), to get a better handle on the causes of residential fires and dispel some common myths on the subject.
Q. What are the most common causes of residential fires?
R.“Smoking paraphernalia, including cigarettes, cigars, pipes, and open-flame objects like lighters and matches, are the most common causes of residential fires,” says Marmen.
“Smoking in bed used to be a common scenario. These days, people smoke outside. People flick their butts onto cedar mulch and other organic materials used in flower boxes and landscape beds. Exterior fires are increasingly common and can quickly spread to the house,” adds Marmen.
The runners-up are electrical fires—often sparked by household appliances—and cooking fires. Little wonder that this year's Fire Prevention Week theme is “It’s Happening in the Kitchen.”
Q. A third of residential fires in Quebec start in the kitchen. What are some ways to stop one from starting?
R.“My first piece of advice would be: Don’t deep-fry anything in a pot.
And don’t leave the kitchen while you’re cooking. It’s easy to forget something on the stove when you’re in another room. A lot of fires get started as a result of carelessness,” says Marmen.
Scarves, long sleeves, and other clothing items can also lead to some rather nasty surprises. Marmen also recommends keeping the lid of your pot handy.
Q. What are some common myths about residential fires?
R.“The idea that you should throw flour, salt, or baking soda on a flaming pan is still really common. It’s strange, really. The right thing to do is so simple—if it’s flaming, put a lid on it”, says Marmen.
“People also don’t realize that smoke detectors only have a 10-year lifespan. Even if your alarm goes off when your toast is burning, it doesn’t mean your device is operating at 100% effectiveness and will detect smoke from a fire. “The whole device needs to be replaced every 10 years,” she says.
“Some people tell me, ‘I’m a light sleeper, I’ll jump into action if there’s a fire.’ But it takes just three minutes for smoke to spread through a house. And smoke is the real killer. A functional smoke detector is crucial in order to warn people and have them react quickly,” she says.
We hope this post has been informative and that you’ll take all the necessary measures to prevent residential fires. Feel like reading more articles about this subject? Check out our blog section about safety and prevention.
Happy Fire Prevention Week!
1 Ministère de la Sécurité publique du Québec
11 October 2016
-
Safety and Prevention
Residential Fires: Facts and Fiction
Read
Reading :
2 minutes
Quebec sees an average of 16,000 fires each year1. Most of them are residential. Though that number has been decreasing since 2010, residential fires continue to do major damage.
Fire Prevention Week runs October 9 to 15 this year. To mark the occasion, we sat down with Annie Marmen, a media and prevention officer with the Quebec City Fire Department (french only), to get a better handle on the causes of residential fires and dispel some common myths on the subject.
Q. What are the most common causes of residential fires?
R.“Smoking paraphernalia, including cigarettes, cigars, pipes, and open-flame objects like lighters and matches, are the most common causes of residential fires,” says Marmen.
“Smoking in bed used to be a common scenario. These days, people smoke outside. People flick their butts onto cedar mulch and other organic materials used in flower boxes and landscape beds. Exterior fires are increasingly common and can quickly spread to the house,” adds Marmen.
The runners-up are electrical fires—often sparked by household appliances—and cooking fires. Little wonder that this year's Fire Prevention Week theme is “It’s Happening in the Kitchen.”
Q. A third of residential fires in Quebec start in the kitchen. What are some ways to stop one from starting?
R.“My first piece of advice would be: Don’t deep-fry anything in a pot.
And don’t leave the kitchen while you’re cooking. It’s easy to forget something on the stove when you’re in another room. A lot of fires get started as a result of carelessness,” says Marmen.
Scarves, long sleeves, and other clothing items can also lead to some rather nasty surprises. Marmen also recommends keeping the lid of your pot handy.
Q. What are some common myths about residential fires?
R.“The idea that you should throw flour, salt, or baking soda on a flaming pan is still really common. It’s strange, really. The right thing to do is so simple—if it’s flaming, put a lid on it”, says Marmen.
“People also don’t realize that smoke detectors only have a 10-year lifespan. Even if your alarm goes off when your toast is burning, it doesn’t mean your device is operating at 100% effectiveness and will detect smoke from a fire. “The whole device needs to be replaced every 10 years,” she says.
“Some people tell me, ‘I’m a light sleeper, I’ll jump into action if there’s a fire.’ But it takes just three minutes for smoke to spread through a house. And smoke is the real killer. A functional smoke detector is crucial in order to warn people and have them react quickly,” she says.
We hope this post has been informative and that you’ll take all the necessary measures to prevent residential fires. Feel like reading more articles about this subject? Check out our blog section about safety and prevention.
Happy Fire Prevention Week!
1 Ministère de la Sécurité publique du Québec
5 October 2016
-
Employment
5 tips for maintaining a healthy balance at work
Read
Reading :
2 minutes
Fall is often a busy season. Work picks up, there are more meetings, and new projects begin. At home, the kids go back to school and your schedule gets tighter. Juggling all these demands can be difficult. But it’s essential!
Here are 5 simple tips to help you catch your breath and strike a healthy balance at work.
Tip 1 – Prioritize
Already feeling overwhelmed? Figuring out your priorities and setting realistic goals are good ways to stay on top of your work and reduce stress. It’s pointless to keep taking on more!
Of course, managing your time takes discipline, and sometimes you need to say “no.” But at the end of the day you’ll feel better when you’re honest with yourself.
Tip 2 – Manage your emails and calls
These days, the amount of emails and phone calls we receive can be excessive! Too often, we feel a great sense of urgency when we get an email or a phone call. But in reality, we don’t have to answer immediately.
It’s a good idea to set aside a specific time to read emails, and make and return calls. If you keep to these timeframes, you won’t constantly be thinking about your inbox!
Tip 3 – Take breaks
We all know that taking breaks helps us recharge our batteries. The trouble is actually taking a break! How do you do it? Talk to your coworkers. Together, you can motivate each other and agree on the best times to take a break.
Tip 4 – Eat healthy
Eating healthy has many benefits, especially for our level of energy and our ability to concentrate at work. Preparing your meals the night before so you have a balanced lunch and a good snack for the next day is always a good idea! At Promutuel Insurance, baskets of organic vegetables are delivered every Friday for employees who would like them.
Be careful! There’s a tonne of information out there on nutrition. If you want to change your eating habits, talk to professionals and use credible sources like the Government of Canada, which has a whole section of its website on the topic.
Tip 5 – Team up
Isolating yourself at work is definitely not a good way to maintain a healthy balance. Talk to your coworkers, share your vision, get advice from peers, and ask questions so you can save time, learn more, and socialize!
Your employer has a role to play!
Find out about the programs and practices your employer has implemented to encourage wellbeing at work. At Promutuel Insurance there are numerous options for physical health (outdoor cardio and yoga) or mental health (meditation sessions and chair massage). Get informed—you might have access to activities you didn’t even know existed!
Happy fall, everyone! Remember to breathe!
5 October 2016
-
Employment
5 tips for maintaining a healthy balance at work
Read
Reading :
2 minutes
Fall is often a busy season. Work picks up, there are more meetings, and new projects begin. At home, the kids go back to school and your schedule gets tighter. Juggling all these demands can be difficult. But it’s essential!
Here are 5 simple tips to help you catch your breath and strike a healthy balance at work.
Tip 1 – Prioritize
Already feeling overwhelmed? Figuring out your priorities and setting realistic goals are good ways to stay on top of your work and reduce stress. It’s pointless to keep taking on more!
Of course, managing your time takes discipline, and sometimes you need to say “no.” But at the end of the day you’ll feel better when you’re honest with yourself.
Tip 2 – Manage your emails and calls
These days, the amount of emails and phone calls we receive can be excessive! Too often, we feel a great sense of urgency when we get an email or a phone call. But in reality, we don’t have to answer immediately.
It’s a good idea to set aside a specific time to read emails, and make and return calls. If you keep to these timeframes, you won’t constantly be thinking about your inbox!
Tip 3 – Take breaks
We all know that taking breaks helps us recharge our batteries. The trouble is actually taking a break! How do you do it? Talk to your coworkers. Together, you can motivate each other and agree on the best times to take a break.
Tip 4 – Eat healthy
Eating healthy has many benefits, especially for our level of energy and our ability to concentrate at work. Preparing your meals the night before so you have a balanced lunch and a good snack for the next day is always a good idea! At Promutuel Insurance, baskets of organic vegetables are delivered every Friday for employees who would like them.
Be careful! There’s a tonne of information out there on nutrition. If you want to change your eating habits, talk to professionals and use credible sources like the Government of Canada, which has a whole section of its website on the topic.
Tip 5 – Team up
Isolating yourself at work is definitely not a good way to maintain a healthy balance. Talk to your coworkers, share your vision, get advice from peers, and ask questions so you can save time, learn more, and socialize!
Your employer has a role to play!
Find out about the programs and practices your employer has implemented to encourage wellbeing at work. At Promutuel Insurance there are numerous options for physical health (outdoor cardio and yoga) or mental health (meditation sessions and chair massage). Get informed—you might have access to activities you didn’t even know existed!
Happy fall, everyone! Remember to breathe!
14 September 2016
-
Tout pour l'auto
The Wonderful World of ATV Insurance
Before you grab your helmet, hop on your ATV (all terrain vehicle), and hit the trails, you’ll need to know about your obligations and the kinds of coverage available. Let’s take a look at how ATV insurance works!
Read
Reading :
4 minutes
Before you grab your helmet, hop on your ATV (all terrain vehicle), and hit the trails, you’ll need to know about your ATV insurance obligations and the kinds of coverage available. Let’s take a look at how ATV insurance works!
All-terrain vehicles
There are two types of ATVs:
Side by Side
All Terrain (three or four wheels)
ATV insurance: What’s mandatory
Third party liability is mandatory for all ATV owners. On the Société de l’assurance automobile du Québec (SAAQ) website, you’ll see that the minimum coverage required by law is $500,000. Should you be legally at fault for an accident involving property damage or bodily injury, that amount would be used for compensation.
Starting November 1, 2016, Fédération québécoise des clubs quads members can take out third party liability insurance when purchasing their trail pass. Of course, you can get it from Promutuel Insurance at any time.
Coverage provided by your insurer
With ATV coverage, there are a number of options.
Comprehensive coverage. Covers damage to your ATV, equipment, and accessories due to any type of risk.
Collision or upset coverage. Covers damage to your ATV, equipment, and accessories in the case of a collision or if you flip your ATV.
“Perils other than collision or upset” coverage. Covers damage to your ATV in the case of theft, fire, hail, or a broken window (among others).
“Specified perils” coverage. Covers damage to your ATV due to the risks specified in the policy. This coverage is more restrictive.
Use-based coverage options
What type of driver are you? Your insurance needs and options will vary depending on how you use your ATV.
The Worker. You use your ATV for farming or for a variety of tasks at work. You couldn’t do your job without it!
The Amateur. ATVing is a way to have fun. You use your ATV to go fishing or hunting or just to get out on the trails.
The Die-hard RiderYou love ATVing and consider it a sport. For you, any reason is a good reason to head out onto the trails. Whatever the season, you’ve got the vehicle.
If you’re a “Worker”
Since you use your vehicle for work, certain specifics could apply. So be sure to let your insurer know.
If you’re an “Amateur”
There’s an endorsement that covers rental, taxi, and public transportation costs if a covered accident deprives you of your ATV. It could come in mighty handy!
If you’re a “Die-hard Rider”
You may want to consider getting a waiver of depreciation. If your ATV is fairly new, you could choose a two-, three-, or four-year waiver of depreciation to protect your investment in the case of an accident.
If you have a trailer or have extra equipment or accessories on your ATV, make sure they’re insured too!
Talk to your damage insurance representative and fill out an online ATV insurance quote request today.
Happy trails!
14 September 2016
-
Tout pour l'auto
The Wonderful World of ATV Insurance
Before you grab your helmet, hop on your ATV (all terrain vehicle), and hit the trails, you’ll need to know about your obligations and the kinds of coverage available. Let’s take a look at how ATV insurance works!
Read
Reading :
4 minutes
Before you grab your helmet, hop on your ATV (all terrain vehicle), and hit the trails, you’ll need to know about your ATV insurance obligations and the kinds of coverage available. Let’s take a look at how ATV insurance works!
All-terrain vehicles
There are two types of ATVs:
Side by Side
All Terrain (three or four wheels)
ATV insurance: What’s mandatory
Third party liability is mandatory for all ATV owners. On the Société de l’assurance automobile du Québec (SAAQ) website, you’ll see that the minimum coverage required by law is $500,000. Should you be legally at fault for an accident involving property damage or bodily injury, that amount would be used for compensation.
Starting November 1, 2016, Fédération québécoise des clubs quads members can take out third party liability insurance when purchasing their trail pass. Of course, you can get it from Promutuel Insurance at any time.
Coverage provided by your insurer
With ATV coverage, there are a number of options.
Comprehensive coverage. Covers damage to your ATV, equipment, and accessories due to any type of risk.
Collision or upset coverage. Covers damage to your ATV, equipment, and accessories in the case of a collision or if you flip your ATV.
“Perils other than collision or upset” coverage. Covers damage to your ATV in the case of theft, fire, hail, or a broken window (among others).
“Specified perils” coverage. Covers damage to your ATV due to the risks specified in the policy. This coverage is more restrictive.
Use-based coverage options
What type of driver are you? Your insurance needs and options will vary depending on how you use your ATV.
The Worker. You use your ATV for farming or for a variety of tasks at work. You couldn’t do your job without it!
The Amateur. ATVing is a way to have fun. You use your ATV to go fishing or hunting or just to get out on the trails.
The Die-hard RiderYou love ATVing and consider it a sport. For you, any reason is a good reason to head out onto the trails. Whatever the season, you’ve got the vehicle.
If you’re a “Worker”
Since you use your vehicle for work, certain specifics could apply. So be sure to let your insurer know.
If you’re an “Amateur”
There’s an endorsement that covers rental, taxi, and public transportation costs if a covered accident deprives you of your ATV. It could come in mighty handy!
If you’re a “Die-hard Rider”
You may want to consider getting a waiver of depreciation. If your ATV is fairly new, you could choose a two-, three-, or four-year waiver of depreciation to protect your investment in the case of an accident.
If you have a trailer or have extra equipment or accessories on your ATV, make sure they’re insured too!
Talk to your damage insurance representative and fill out an online ATV insurance quote request today.
Happy trails!
26 August 2016
-
About us
What happens if Canada Post goes on strike?
Promutuel Insurance has several measures in place to limit the impact of a postal service interruption, should one occur.
Read
Reading :
2 minutes
Promutuel Insurance has several measures in place to limit the impact of a postal service interruption, should one occur. They are:
Renewing your insurance policy
If your insurance policy expires in the coming weeks, contact your Mutual Insurance Association to find out about any changes and decide how you’d like to receive important documents.
Paying your premium
You must keep paying your premiums as scheduled in your contract to keep your insurance policy in effect. Here’s how you can pay without mailing a cheque:
Using preauthorized payments through your bank (contact your Mutual Insurance Association to sign up)
At your financial institution
In person at a Mutual Insurance Association branch
Claims
For claims, talk to the claims adjuster handling your file. As your contact person, they’ll follow up regarding necessary documents, claims payments, and everything in between.
You can communicate with your Mutual Insurance Association by phone, email, or fax at any time. You’ll find all the contact information on our website in the Contact Us section.As the situation develops, Promutuel Insurance will adjust the measures in place as needed. Visit this page on a regular basis for all the latest information.
26 August 2016
-
About us
What happens if Canada Post goes on strike?
Promutuel Insurance has several measures in place to limit the impact of a postal service interruption, should one occur.
Read
Reading :
2 minutes
Promutuel Insurance has several measures in place to limit the impact of a postal service interruption, should one occur. They are:
Renewing your insurance policy
If your insurance policy expires in the coming weeks, contact your Mutual Insurance Association to find out about any changes and decide how you’d like to receive important documents.
Paying your premium
You must keep paying your premiums as scheduled in your contract to keep your insurance policy in effect. Here’s how you can pay without mailing a cheque:
Using preauthorized payments through your bank (contact your Mutual Insurance Association to sign up)
At your financial institution
In person at a Mutual Insurance Association branch
Claims
For claims, talk to the claims adjuster handling your file. As your contact person, they’ll follow up regarding necessary documents, claims payments, and everything in between.
You can communicate with your Mutual Insurance Association by phone, email, or fax at any time. You’ll find all the contact information on our website in the Contact Us section.As the situation develops, Promutuel Insurance will adjust the measures in place as needed. Visit this page on a regular basis for all the latest information.
16 August 2016
-
Things We Love
Urban gardening: A growing movement
Read
Reading :
2 minutes
More and more businesses are adding green spaces to their roofs or terraces. In addition to the ecological advantages they offer, these spaces foster employee well-being by providing employees with a “natural” haven even if they work in the heart of the city. Here’s an overview of the different types of urban gardening.
Green roofs
What makes green roofs unique is that they’re a part of the building’s structure. They present energy advantages, improve quality of life, and even offer an alternative to commercial produce sourcing. In short, the virtues are many.Nevertheless, you’ll need to consult an expert before setting up a green roof, because a number of factors must be taken into account, such as building specifications. Green roof upkeep also requires special attention, especially with the Québec climate.Promutuel Insurance has been a pioneer in this area, having equipped the entire northern face of its building with a green roof.
Rooftop or terrace gardens
Unlike green roofs, rooftop or terrace gardens consist of plants, flowers, herbs, fruits, and vegetables grown in containers or structures not attached to the roof. This flexible option is great for small spaces and less expensive than green roofs.
This is the option Promutuel Insurance chose for its outside terrace, developed in collaboration with Urbainculteurs, a Québec City–area social enterprise specialized in urban gardening.
Here are some examples of how we’ve gone green!
Roof garden : Hôtel Château Laurier
Terrace gardens : Cossette (bureau de Québec)
Terrace gardens : Promutuel Assurance
Thanks to Urbainculteurs for the photos!
16 August 2016
-
Things We Love
Urban gardening: A growing movement
Read
Reading :
2 minutes
More and more businesses are adding green spaces to their roofs or terraces. In addition to the ecological advantages they offer, these spaces foster employee well-being by providing employees with a “natural” haven even if they work in the heart of the city. Here’s an overview of the different types of urban gardening.
Green roofs
What makes green roofs unique is that they’re a part of the building’s structure. They present energy advantages, improve quality of life, and even offer an alternative to commercial produce sourcing. In short, the virtues are many.Nevertheless, you’ll need to consult an expert before setting up a green roof, because a number of factors must be taken into account, such as building specifications. Green roof upkeep also requires special attention, especially with the Québec climate.Promutuel Insurance has been a pioneer in this area, having equipped the entire northern face of its building with a green roof.
Rooftop or terrace gardens
Unlike green roofs, rooftop or terrace gardens consist of plants, flowers, herbs, fruits, and vegetables grown in containers or structures not attached to the roof. This flexible option is great for small spaces and less expensive than green roofs.
This is the option Promutuel Insurance chose for its outside terrace, developed in collaboration with Urbainculteurs, a Québec City–area social enterprise specialized in urban gardening.
Here are some examples of how we’ve gone green!
Roof garden : Hôtel Château Laurier
Terrace gardens : Cossette (bureau de Québec)
Terrace gardens : Promutuel Assurance
Thanks to Urbainculteurs for the photos!
7 July 2016
-
On the Road
Buying a new car? Opt for replacement cost coverage!
Read
Reading :
3 minutes
Did you know that over 450,000 new cars are sold in Québec every year?
If you’ve ever had to sell a vehicle shortly after buying it new, you know firsthand how fast it drops in value. That’s what we call depreciation. In fact, depending on the model, a new car can lose up to 50% of its value within the first three years!
That’s where replacement cost coverage comes in. With this protection, in the event of a total loss your vehicle will be replaced with a new vehicle that has the same features, regardless of how much it has depreciated at the time of the loss. Your damage insurer offers replacement cost protection as an endorsement to your auto insurance contract.
Are you thinking of purchasing a new vehicle soon? Remember that Promutuel Insurance offers free replacement cost coverage for up to one year with the purchase of a new vehicle!*
If you meet the criteria below, you could be in a better position than most to offset the rapid depreciation of your vehicle in its first years of driving:
You buy your vehicle
You lease your vehicle with down payment
You like to change cars regularly
You rack up a lot of mileage
The type of vehicle you want depreciates quickly
Is replacement cost coverage expensive?
The cost of replacement cost coverage is usually a percentage of your auto insurance premium. It also varies depending on certain factors, including the value, model, and, most importantly, depreciation curve of the vehicle. The premium is inexpensive the first year, and gradually grows over the years as the vehicle loses value. It is generally available for a maximum of 4 to 6 years.
What are the advantages of the replacement cost guarantee over replacement insurance offered by dealers?
When you take out replacement cost coverage with a damage insurance agent or broker, you have the option of cancelling the guarantee at any time.
By grouping your different types of insurance (damage insurance + replacement cost guarantee) in one place (your insurer), you’ll have just one premium to pay and one place to call in the event of a claim.
In the event of a loss, this endorsement lets you choose any dealer you want and even change the vehicle make or model altogether.
Every year, you can choose whether or not to renew your coverage, up to a maximum period of 6 years, depending on the situation.
Get replacement cost coverage today—your peace of mind is worth it! And remember, Promutuel Insurance offers this protection FREE of charge for up to one year with the purchase of a new vehicle.*
*Some restrictions apply.
7 July 2016
-
On the Road
Buying a new car? Opt for replacement cost coverage!
Read
Reading :
3 minutes
Did you know that over 450,000 new cars are sold in Québec every year?
If you’ve ever had to sell a vehicle shortly after buying it new, you know firsthand how fast it drops in value. That’s what we call depreciation. In fact, depending on the model, a new car can lose up to 50% of its value within the first three years!
That’s where replacement cost coverage comes in. With this protection, in the event of a total loss your vehicle will be replaced with a new vehicle that has the same features, regardless of how much it has depreciated at the time of the loss. Your damage insurer offers replacement cost protection as an endorsement to your auto insurance contract.
Are you thinking of purchasing a new vehicle soon? Remember that Promutuel Insurance offers free replacement cost coverage for up to one year with the purchase of a new vehicle!*
If you meet the criteria below, you could be in a better position than most to offset the rapid depreciation of your vehicle in its first years of driving:
You buy your vehicle
You lease your vehicle with down payment
You like to change cars regularly
You rack up a lot of mileage
The type of vehicle you want depreciates quickly
Is replacement cost coverage expensive?
The cost of replacement cost coverage is usually a percentage of your auto insurance premium. It also varies depending on certain factors, including the value, model, and, most importantly, depreciation curve of the vehicle. The premium is inexpensive the first year, and gradually grows over the years as the vehicle loses value. It is generally available for a maximum of 4 to 6 years.
What are the advantages of the replacement cost guarantee over replacement insurance offered by dealers?
When you take out replacement cost coverage with a damage insurance agent or broker, you have the option of cancelling the guarantee at any time.
By grouping your different types of insurance (damage insurance + replacement cost guarantee) in one place (your insurer), you’ll have just one premium to pay and one place to call in the event of a claim.
In the event of a loss, this endorsement lets you choose any dealer you want and even change the vehicle make or model altogether.
Every year, you can choose whether or not to renew your coverage, up to a maximum period of 6 years, depending on the situation.
Get replacement cost coverage today—your peace of mind is worth it! And remember, Promutuel Insurance offers this protection FREE of charge for up to one year with the purchase of a new vehicle.*
*Some restrictions apply.
8 June 2016
-
Things We Love
Smoothie Contest: What's your signature ingredient?
Read
Reading :
1 minute
Summer’s almost here! It’s the perfect time to make some delicious smoothies! Promutuel Insurance challenges you to change one ingredient in our recipe—you guessed it: the mayonnaise! Swap it for your favourite ingredient. And just for entering, you have the chance to win a 5-speed KitchenAid blender.
How to enter? Easy! Just fill out the following form.
Good luck!
Consultez les règlements du concours.
8 June 2016
-
Things We Love
Smoothie Contest: What's your signature ingredient?
Read
Reading :
1 minute
Summer’s almost here! It’s the perfect time to make some delicious smoothies! Promutuel Insurance challenges you to change one ingredient in our recipe—you guessed it: the mayonnaise! Swap it for your favourite ingredient. And just for entering, you have the chance to win a 5-speed KitchenAid blender.
How to enter? Easy! Just fill out the following form.
Good luck!
Consultez les règlements du concours.
31 March 2016
-
At Home
Home: you’re the head of the smart house… for now
Read
Reading :
5 minutes
It’s fair to say that the first generation of connected objects has already arrived and their manufacturers are now trying to fine-tune them. For a little over two years now, trailblazers in this industry have been trying to bring everyone together under a communication protocol that would allow various—and at first glance seemingly unrelated—objects to communicate with each other via the Internet.
Picture this: you’re on a business trip on the other side of the country, but the WiFi security camera at your front door has a motion detector. If someone approaches, it notifies the lighting system, which switches a few lights on and off at random or turns on the TV to give the impression that you’re at home. Not bad for a burglar deterrent!
A front door fit for the 21st century
We’re getting closer and closer to this reality, even if we’re not quite there yet. This winter, the company Kevo, which sells an electronic lock controlled by your smart phone via Bluetooth, added a wireless bridge to its catalogue. The accessory connects with compatible locks nearby and links them to a WiFi hub and then to the Internet, so you can control your locks from anywhere in the world.
Another small American company called Ring just released a next-generation doorbell equipped with a camera, a microphone, and a small speaker. And a WiFi antenna, of course.
When someone presses the Ring video doorbell, it rings (obviously), but it also sends an alert to the mobile device of your choice. The app live streams the video from Ring’s doorbell camera, and you can even have a remote conversation with the caller. The Ring video doorbell also has a motion detector to notify you of any movement, suspicious or otherwise, within a field of vision ranging from the three meters directly in front of it to much father away.
Connected objects 2.0
The Ring doorbell and Kevo lock are two devices that allow you to remotely manage who goes in—or out—of your home. Until recently, these two accessories which live just a few centimetres from each other had very little in common.
That all changed when the people at Ring updated their video doorbell software to incorporate other popular connected objects with early adopters of this new technology. These include the Kevo lock (marketed under the brand Weiser in Canada) as well as certain lighting products like the WeMo accessories sold by Belkin.
That way, when someone rings the doorbell, you can quickly see who it is, have a conversation with them, and even unlock the door— all without getting out of your chair. Or without even being at home, because you can instantly access the system remotely through the Internet. It’s handy when the kids get home from school having forgotten their keys and you’re still at work. Or if you trust the Purolator delivery person to drop off a parcel you’ve been waiting for while you’re away!
It might seem trivial, but it’s possible, accessible, and affordable. What’s more, it brings you one step closer to automating certain household tasks through the magic of the Internet.
The next step is getting the house itself to recognize people who come to the door and unlocking the door automatically—or refusing entry. Don’t laugh: it’s coming. Cameras that can identify people’s faces are already on the market. It’s just a matter of time before someone combines this technology with a WiFi lock and a video doorbell.
And when they do, you’ll no longer be the brains of the operation!
31 March 2016
-
At Home
Home: you’re the head of the smart house… for now
Read
Reading :
5 minutes
It’s fair to say that the first generation of connected objects has already arrived and their manufacturers are now trying to fine-tune them. For a little over two years now, trailblazers in this industry have been trying to bring everyone together under a communication protocol that would allow various—and at first glance seemingly unrelated—objects to communicate with each other via the Internet.
Picture this: you’re on a business trip on the other side of the country, but the WiFi security camera at your front door has a motion detector. If someone approaches, it notifies the lighting system, which switches a few lights on and off at random or turns on the TV to give the impression that you’re at home. Not bad for a burglar deterrent!
A front door fit for the 21st century
We’re getting closer and closer to this reality, even if we’re not quite there yet. This winter, the company Kevo, which sells an electronic lock controlled by your smart phone via Bluetooth, added a wireless bridge to its catalogue. The accessory connects with compatible locks nearby and links them to a WiFi hub and then to the Internet, so you can control your locks from anywhere in the world.
Another small American company called Ring just released a next-generation doorbell equipped with a camera, a microphone, and a small speaker. And a WiFi antenna, of course.
When someone presses the Ring video doorbell, it rings (obviously), but it also sends an alert to the mobile device of your choice. The app live streams the video from Ring’s doorbell camera, and you can even have a remote conversation with the caller. The Ring video doorbell also has a motion detector to notify you of any movement, suspicious or otherwise, within a field of vision ranging from the three meters directly in front of it to much father away.
Connected objects 2.0
The Ring doorbell and Kevo lock are two devices that allow you to remotely manage who goes in—or out—of your home. Until recently, these two accessories which live just a few centimetres from each other had very little in common.
That all changed when the people at Ring updated their video doorbell software to incorporate other popular connected objects with early adopters of this new technology. These include the Kevo lock (marketed under the brand Weiser in Canada) as well as certain lighting products like the WeMo accessories sold by Belkin.
That way, when someone rings the doorbell, you can quickly see who it is, have a conversation with them, and even unlock the door— all without getting out of your chair. Or without even being at home, because you can instantly access the system remotely through the Internet. It’s handy when the kids get home from school having forgotten their keys and you’re still at work. Or if you trust the Purolator delivery person to drop off a parcel you’ve been waiting for while you’re away!
It might seem trivial, but it’s possible, accessible, and affordable. What’s more, it brings you one step closer to automating certain household tasks through the magic of the Internet.
The next step is getting the house itself to recognize people who come to the door and unlocking the door automatically—or refusing entry. Don’t laugh: it’s coming. Cameras that can identify people’s faces are already on the market. It’s just a matter of time before someone combines this technology with a WiFi lock and a video doorbell.
And when they do, you’ll no longer be the brains of the operation!
4 March 2016
-
Tout pour l'auto
2016 on four wheels: An electrifying year
Read
Reading :
5 minutes
Do you have a tingling sensation in your stomach? Is your heel tapping the ground? Feeling good about doing something for the environment (and for your wallet!)? That’s normal. It’s the electrifying feeling sparked by the revolutionary changes taking the car industry by storm this year. Because there’s no doubt about it, 2016 is the year of the electric car. These symptoms are not caused by excessive nervousness. They’re what happen when you drive a car with an engine that generates maximum torque when you hit the ignition, accelerating with ease each time you step on the “gas.”. All that, without having to worry about prices at the pump, because battery recharges cost only pennies.
Electric cars at affordable prices
We’re already seeing electric cars on our roads. In fact, Québec posts more electric vehicle sales—from the Nissan Leaf to the Tesla P90D—than anywhere else in the country. So why does 2016 mark a major turning point in the electric vehicle market? Because now you can finally purchase an electric car that has a driving range comparable to that of gas-powered vehicles, even if you don’t earn a six-figure salary.
First model in the running: The Chevrolet Bolt. This little American crossover will be available here next fall, retailing for about $35,000. Chevrolet promises a range of 320 kilometres per charge, and a fast charging mode that charges 80% of the battery’s capacity in less than an hour.
So the rivalry with Tesla Motors is going to be intense. This California-based group just put its big, expensive, entirely electric, seven-passenger, Model X SUV on the market, but it plans to launch a small sedan comparable to the Bolt within a year. This small electric vehicle, called the Model 3, has not yet made its public debut, but it shouldn’t be long in coming.
Admittedly, Tesla Motors CEO Elon Musk has had his hands full delivering the first Model Xs and modifying the plans for his reusable rocket, which will considerably reduce the cost of space exploration (apart from electric cars, Musk’s obsession is the colonization of Mars).
Electric vehicles are going global
Another sign that the electrification movement is now a global phenomenon, not exclusive to Toyota, Nissan, and Chevrolet, is that now even Porsche is showing interest in electron-based performance. Its Mission E prototype is indicative of the changes this Stuttgart company is planning for the near future in order to compete with Tesla.
True to the Porsche name, the car is designed to go from 0–100 km/h in 3.5 seconds and features an all-electric range of 480 kilometres. Headed up by a project manager who worked on the Boxster, the car is expected to hit the market by the end of the decade. In a way the move brings the car company full circle since the brand’s founder Ferdinand Porsche designed a hybrid car as early as 1902!
Hyundai and Kia were the only big car industry names missing from the hybrid market, but it looks like that is about the change. Kia has been playing around with a prototype of a small family car called the Niro for a number of years, and this winter we got to take a look at the final prototype before the commercialization stage. Meanwhile, Hyundai is coming out with a similar model, called the Ioniq.
In both cases, the idea is to offer consumers three versions to choose from: hybrid, plug-in hybrid, and all-electric. Very little is known about the various versions of this model, but they should be available by 2017. Their mechanical configurations are expected to be similar to that of the Toyota Prius, Chevrolet Volt, or Chevrolet Bolt, depending on the version.
One thing’s certain, both Korean brands have announced that they plan to market affordable vehicles at prices lower than those of their direct competitors.
Tesla, Hyundai, Porsche—everybody’s going electric! Convinced yet?
4 March 2016
-
Tout pour l'auto
2016 on four wheels: An electrifying year
Read
Reading :
5 minutes
Do you have a tingling sensation in your stomach? Is your heel tapping the ground? Feeling good about doing something for the environment (and for your wallet!)? That’s normal. It’s the electrifying feeling sparked by the revolutionary changes taking the car industry by storm this year. Because there’s no doubt about it, 2016 is the year of the electric car. These symptoms are not caused by excessive nervousness. They’re what happen when you drive a car with an engine that generates maximum torque when you hit the ignition, accelerating with ease each time you step on the “gas.”. All that, without having to worry about prices at the pump, because battery recharges cost only pennies.
Electric cars at affordable prices
We’re already seeing electric cars on our roads. In fact, Québec posts more electric vehicle sales—from the Nissan Leaf to the Tesla P90D—than anywhere else in the country. So why does 2016 mark a major turning point in the electric vehicle market? Because now you can finally purchase an electric car that has a driving range comparable to that of gas-powered vehicles, even if you don’t earn a six-figure salary.
First model in the running: The Chevrolet Bolt. This little American crossover will be available here next fall, retailing for about $35,000. Chevrolet promises a range of 320 kilometres per charge, and a fast charging mode that charges 80% of the battery’s capacity in less than an hour.
So the rivalry with Tesla Motors is going to be intense. This California-based group just put its big, expensive, entirely electric, seven-passenger, Model X SUV on the market, but it plans to launch a small sedan comparable to the Bolt within a year. This small electric vehicle, called the Model 3, has not yet made its public debut, but it shouldn’t be long in coming.
Admittedly, Tesla Motors CEO Elon Musk has had his hands full delivering the first Model Xs and modifying the plans for his reusable rocket, which will considerably reduce the cost of space exploration (apart from electric cars, Musk’s obsession is the colonization of Mars).
Electric vehicles are going global
Another sign that the electrification movement is now a global phenomenon, not exclusive to Toyota, Nissan, and Chevrolet, is that now even Porsche is showing interest in electron-based performance. Its Mission E prototype is indicative of the changes this Stuttgart company is planning for the near future in order to compete with Tesla.
True to the Porsche name, the car is designed to go from 0–100 km/h in 3.5 seconds and features an all-electric range of 480 kilometres. Headed up by a project manager who worked on the Boxster, the car is expected to hit the market by the end of the decade. In a way the move brings the car company full circle since the brand’s founder Ferdinand Porsche designed a hybrid car as early as 1902!
Hyundai and Kia were the only big car industry names missing from the hybrid market, but it looks like that is about the change. Kia has been playing around with a prototype of a small family car called the Niro for a number of years, and this winter we got to take a look at the final prototype before the commercialization stage. Meanwhile, Hyundai is coming out with a similar model, called the Ioniq.
In both cases, the idea is to offer consumers three versions to choose from: hybrid, plug-in hybrid, and all-electric. Very little is known about the various versions of this model, but they should be available by 2017. Their mechanical configurations are expected to be similar to that of the Toyota Prius, Chevrolet Volt, or Chevrolet Bolt, depending on the version.
One thing’s certain, both Korean brands have announced that they plan to market affordable vehicles at prices lower than those of their direct competitors.
Tesla, Hyundai, Porsche—everybody’s going electric! Convinced yet?
1 March 2016
-
Things We Love
Legal insurance is so convenient!
It’s useful and convenient because it lets you get paid—up to a certain amount—if you incur costs to settle a variety of everyday conflicts (for example, if you go to small claims court to find an amiable solution with a difficult neighbour or are faced with identity theft).
Reading :
2 minutes
It’s useful and convenient because it lets you get paid—up to a certain amount—if you incur costs to settle a variety of everyday conflicts (for example, if you go to small claims court to find an amiable solution with a difficult neighbour or are faced with identity theft). Professional guidance is important in uncomfortable situations like that.
Don’t confuse “legal insurance” with “legal assistance”
Legal assistance allows you to call an attorney to ask questions.
Legal insurance lets you retain an attorney to advise you, take legal action, and, if necessary, represent you in court.
Legal insurance:Get guidance from a pro!
Going before the Small Claims Division is always a little stressful, but your legal insurance ensures you get professional guidance in preparing your case. Even if the attorney isn’t with you at your hearing, you know you’ll be all set for the big day. And best of all, you can get financial assistance according to the terms and conditions of your policy.
How do I get legal insurance or legal assistance?
Legal insurance is always tied to another insurance policy, for example your auto or home insurance policy. Also, you may already have legal insurance or legal assistance under an existing policy. If you’re not sure, ask your insurer.
At Promutuel Insurance, we’re offering two new coverage options:Juripro and Beacon
Both options have been fully revamped since March 1, 2016, in response to your new needs!
Juripro*: This legal insurance gets you help from a professional (an attorney, notary, or duly accredited mediator) in the event of identity theft, latent defects, neighbourhood disturbances, family mediation, small claims cases, and so on. Juripro legal insurance can be added to your home, business, or farm insurance policy for a nominal fee.
Beacon: This is our legal assistance service. It gives you access by phone to the advice of an attorney. Of course, this service is completely confidential.
As you can see, legal insurance is a way to make sure your rights are protected!
*Some conditions, restrictions, and exclusions may apply. Note that this coverage is included with the improved version of Juripro on policies renewed or acquired after March 1, 2016. Juripro is available to Québec residents only. In the event of a discrepancy between the information, terms and conditions, restrictions, and exclusions presented on this site and those contained in your insurance policy, the provisions of your insurance policy take precedence.
1 March 2016
-
Things We Love
Legal insurance is so convenient!
It’s useful and convenient because it lets you get paid—up to a certain amount—if you incur costs to settle a variety of everyday conflicts (for example, if you go to small claims court to find an amiable solution with a difficult neighbour or are faced with identity theft).
Reading :
2 minutes
It’s useful and convenient because it lets you get paid—up to a certain amount—if you incur costs to settle a variety of everyday conflicts (for example, if you go to small claims court to find an amiable solution with a difficult neighbour or are faced with identity theft). Professional guidance is important in uncomfortable situations like that.
Don’t confuse “legal insurance” with “legal assistance”
Legal assistance allows you to call an attorney to ask questions.
Legal insurance lets you retain an attorney to advise you, take legal action, and, if necessary, represent you in court.
Legal insurance:Get guidance from a pro!
Going before the Small Claims Division is always a little stressful, but your legal insurance ensures you get professional guidance in preparing your case. Even if the attorney isn’t with you at your hearing, you know you’ll be all set for the big day. And best of all, you can get financial assistance according to the terms and conditions of your policy.
How do I get legal insurance or legal assistance?
Legal insurance is always tied to another insurance policy, for example your auto or home insurance policy. Also, you may already have legal insurance or legal assistance under an existing policy. If you’re not sure, ask your insurer.
At Promutuel Insurance, we’re offering two new coverage options:Juripro and Beacon
Both options have been fully revamped since March 1, 2016, in response to your new needs!
Juripro*: This legal insurance gets you help from a professional (an attorney, notary, or duly accredited mediator) in the event of identity theft, latent defects, neighbourhood disturbances, family mediation, small claims cases, and so on. Juripro legal insurance can be added to your home, business, or farm insurance policy for a nominal fee.
Beacon: This is our legal assistance service. It gives you access by phone to the advice of an attorney. Of course, this service is completely confidential.
As you can see, legal insurance is a way to make sure your rights are protected!
*Some conditions, restrictions, and exclusions may apply. Note that this coverage is included with the improved version of Juripro on policies renewed or acquired after March 1, 2016. Juripro is available to Québec residents only. In the event of a discrepancy between the information, terms and conditions, restrictions, and exclusions presented on this site and those contained in your insurance policy, the provisions of your insurance policy take precedence.
9 February 2016
-
On the Road
Being compensated in case of total loss of a vehicle
Read
Reading :
3 minutes
What is a “total loss” in car insurance?
“Total loss” means a vehicle has been damaged to such an extent that it cannot be repaired or that the repair cost surpasses the value of your vehicle. In other words, your vehicle is headed for the scrapyard.
What do I do in the event of a total loss?
According to the terms of your contract, you will be compensated for the loss or your old vehicle will be replaced by a new one.
After the accident, the insurer will have your vehicle inspected and appraised by an automobile damage appraiser.
How is the value of my vehicle determined?
Your insurer determines the value of your vehicle at the time of the accident and sets the compensation amount based on that value. However, if you had a replacement value endorsement added to your contract, you will be compensated for the undepreciated value of your vehicle.
The criteria used to determine your vehicle’s value are its condition and mileage at the time of the accident and the market in your area.
If you disagree with the proposed settlement, we suggest you start by talking to your insurer to find a solution. Otherwise, you can also turn to the Insurance Bureau of Canada.
Other factors that can influence your compensation amount
Were you responsible for the accident? If so, you will be compensated if you are covered for collision.
Your deductible. The amount is indicated in your insurance contract. If you were responsible for the accident, this amount will be deducted from the compensation you receive for the value of your vehicle, unless you are exempted. Some insurance plans, like Promutuel’s PROPLAN, offer deduction waivers in the event of total loss.
Processing your claim
Your insurer must indemnify you within 60 days of receiving your claim or any additional information and supporting documents it may request.
If you found this article useful, read the Golden Rules for Joint Reports!
Drive safely!
9 February 2016
-
On the Road
Being compensated in case of total loss of a vehicle
Read
Reading :
3 minutes
What is a “total loss” in car insurance?
“Total loss” means a vehicle has been damaged to such an extent that it cannot be repaired or that the repair cost surpasses the value of your vehicle. In other words, your vehicle is headed for the scrapyard.
What do I do in the event of a total loss?
According to the terms of your contract, you will be compensated for the loss or your old vehicle will be replaced by a new one.
After the accident, the insurer will have your vehicle inspected and appraised by an automobile damage appraiser.
How is the value of my vehicle determined?
Your insurer determines the value of your vehicle at the time of the accident and sets the compensation amount based on that value. However, if you had a replacement value endorsement added to your contract, you will be compensated for the undepreciated value of your vehicle.
The criteria used to determine your vehicle’s value are its condition and mileage at the time of the accident and the market in your area.
If you disagree with the proposed settlement, we suggest you start by talking to your insurer to find a solution. Otherwise, you can also turn to the Insurance Bureau of Canada.
Other factors that can influence your compensation amount
Were you responsible for the accident? If so, you will be compensated if you are covered for collision.
Your deductible. The amount is indicated in your insurance contract. If you were responsible for the accident, this amount will be deducted from the compensation you receive for the value of your vehicle, unless you are exempted. Some insurance plans, like Promutuel’s PROPLAN, offer deduction waivers in the event of total loss.
Processing your claim
Your insurer must indemnify you within 60 days of receiving your claim or any additional information and supporting documents it may request.
If you found this article useful, read the Golden Rules for Joint Reports!
Drive safely!
3 February 2016
-
Employment
Meet your future boss: Amélie Béliveau – Corporate Actuarial Services Manager
Read
Reading :
5 minutes
Hello Amélie, what is your position with the Actuarial Services team at Promutuel Insurance?
Hello, I’ve just taken up the role of manager for corporate actuarial. Something completely new to me!
I see, thanks. Tell us about your actuarial career so far, going back to the beginning. What were the key dates or time periods?
- 2000: I earned my degree in actuarial science from Université Laval.
- 2000: I got my first job as an actuarial analyst with an insurance company in Montréal.
- 2001: Then I landed at one of Québec’s biggest insurance companies, still as an actuarial analyst. In that job I was able to work in underwriting for individuals and special products as well as on so-called “corporate” actuarial services. That’s the field I’ve been specializing in over the last few years.
- 2015: I’m thrilled to be taking up a new assignment with Promutuel Insurance, as corporate actuarial services manager. This position is a perfect fit for my career plan.
How many people are on your team and what are their goals?
I lead a team of four people. As the new arrival, I am still getting to know everyone! Our work focuses on operations, routine activities, analysis and support for mutual insurance associations.
How would you describe the work atmosphere on your team?
It’s a great team, and it’s been very easy for me to fit in. We help each other and enjoy working together.
What are the talents you value most?
If I had to hire staff within the next year, I’d say the best candidates would be those with an intermediate level of experience. As for professional qualities, obviously I’d look for people with a strong ability to learn and a good sense of analysis, who are resourceful and meticulous. In terms of personality, it’s important to be open-minded and know how to communicate effectively. Because you need to be a technical expert, but you also have to be able to clearly present your message to provide our mutual associations with the best advice. I also look for new employees who have the ability to question working methods and suggest better, more efficient strategies. “Corporate” doesn’t have to mean we can’t shake things up!
What’s the number one reason why it’s “better” and more fun to work on your team rather than anywhere else?
As I was saying before, what sets us apart is first of all the atmosphere on the team, as well as the way we work. Here you can challenge ideas and help develop more efficient procedures so you can spend more time on large-scale projects.
How do you motivate your troops?
I think it’s important to set aside time for my team and be available for every one of them. I make sure I give them the support they need. I also value good communication and am always open to group activities, like having dinner together or some other type of event. That’s a great way to forge connections and get to know my team better outside the workplace.
3 February 2016
-
Employment
Meet your future boss: Amélie Béliveau – Corporate Actuarial Services Manager
Read
Reading :
5 minutes
Hello Amélie, what is your position with the Actuarial Services team at Promutuel Insurance?
Hello, I’ve just taken up the role of manager for corporate actuarial. Something completely new to me!
I see, thanks. Tell us about your actuarial career so far, going back to the beginning. What were the key dates or time periods?
- 2000: I earned my degree in actuarial science from Université Laval.
- 2000: I got my first job as an actuarial analyst with an insurance company in Montréal.
- 2001: Then I landed at one of Québec’s biggest insurance companies, still as an actuarial analyst. In that job I was able to work in underwriting for individuals and special products as well as on so-called “corporate” actuarial services. That’s the field I’ve been specializing in over the last few years.
- 2015: I’m thrilled to be taking up a new assignment with Promutuel Insurance, as corporate actuarial services manager. This position is a perfect fit for my career plan.
How many people are on your team and what are their goals?
I lead a team of four people. As the new arrival, I am still getting to know everyone! Our work focuses on operations, routine activities, analysis and support for mutual insurance associations.
How would you describe the work atmosphere on your team?
It’s a great team, and it’s been very easy for me to fit in. We help each other and enjoy working together.
What are the talents you value most?
If I had to hire staff within the next year, I’d say the best candidates would be those with an intermediate level of experience. As for professional qualities, obviously I’d look for people with a strong ability to learn and a good sense of analysis, who are resourceful and meticulous. In terms of personality, it’s important to be open-minded and know how to communicate effectively. Because you need to be a technical expert, but you also have to be able to clearly present your message to provide our mutual associations with the best advice. I also look for new employees who have the ability to question working methods and suggest better, more efficient strategies. “Corporate” doesn’t have to mean we can’t shake things up!
What’s the number one reason why it’s “better” and more fun to work on your team rather than anywhere else?
As I was saying before, what sets us apart is first of all the atmosphere on the team, as well as the way we work. Here you can challenge ideas and help develop more efficient procedures so you can spend more time on large-scale projects.
How do you motivate your troops?
I think it’s important to set aside time for my team and be available for every one of them. I make sure I give them the support they need. I also value good communication and am always open to group activities, like having dinner together or some other type of event. That’s a great way to forge connections and get to know my team better outside the workplace.
3 February 2016
-
Emploi
Meet your future boss: Marc-André Dallaire, Manager – Personal Insurance Underwriting
Read
Reading :
5 minutes
Hello, Marc-André. What is your position at Promutuel Insurance?
Hello. I’ve been working at Promutuel Insurance for almost four years now. I started as Senior Actuarial Advisor, which enabled me to develop the underwriting model for New Brunswick. A few months later, I became Manager – Personal Home and Auto Insurance Underwriting.
Wow!That’s a big move in a few months!But it took more time to build your entire career, right? Give us 5 figures that sum up your professional experience.
- 2 years in France: I started by earning a bachelor’s degree in actuarial science from Université Laval in Québec City. Then I took advantage of university exchange programs to hop the pond over to France, specifically Grenoble, where I did the equivalent of a master’s in finance. After that, I stayed in France and did a one-year internship as an economic analyst for the Casino group in Saint-Étienne. When I came back I knew without a doubt that I wanted a career in the actuarial field!
- 1 year while I was cutting my teeth in actuarial work: Back to Québec City, I began my career as a junior actuarial analyst for an insurance company working mainly with a broker network. I stayed on with them for a year and a half and helped with underwriting for the business auto and commercial vehicles sectors.
- 10 years with a big player in direct distribution: It was a long and enriching experience. I started as an actuarial underwriting analyst in auto and nonstandard insurance as well as for group and association rates. After a few years, I specialized in corporate actuarial services and became a senior analyst. Specifically, I worked on reserves, reinsurance, budgets, and dynamic capital adequacy testing (DCAT). Then I had the opportunity to rise through the ranks to become a corporate actuarial manager, supervising a six-person team for five years.
- 3 years for an insurance company working with exclusive representatives: This was a new challenge for me, but still in the same area of specialization. I started as a senior actuarial advisor on the corporate team. I developed the models for reserves, budgets, and DCAT for a new company in Ontario. In this position I worked a bit like an internal consultant: I had a lot of leeway to propose and implement the most suitable models. I also had the chance to move up to a position as a senior risk management advisor.
- 4 years with Promutuel Insurance: We discussed that earlier.
Now that we know a bit more about you, tell us about your team.
I am excited to lead a team of eight young and very motivated people, with a good blend of profiles and backgrounds ranging from a newcomer to the field to someone with about ten years of experience. Most people are at the Québec City office, but the team is also expanding at our Longueuil office.
What was your team’s biggest achievement in the past four years?
That’s easy. It’s how we’ve improved our underwriting methods and techniques while staying true to the business model of mutual insurance associations. This aspect is very important in our day-to-day because providing mutual insurance associations (our clients) with advice and methods is what we do. Not only do we need a firm grasp of the technical aspects, we also have to be good communicators able to explain complex concepts.
How would you describe the work atmosphere on your team?
For me it’s about cooperation, sharing expertise, developing skills, and, above all, having fun at work. I know that may seem trivial, but it’s a big priority on my team.
Today, what types of job profiles are you looking for on your team?
In terms of experience, I’m looking for seasoned individuals with five to ten years of experience in underwriting, as well as specific experience in the business auto and home insurance sectors. As for personality, I gravitate toward people who are eager to jump in and share their know-how and experience with a younger team. People known for their intellectual curiosity, who stay on top of market trends and new techniques, and who are always looking to hone their skills.
Tell us the number one reason why it’s more enjoyable and more of a “win-win” to work with your team rather than elsewhere on the market?
Proactivity! Thanks to the structure of our business—not too big, not too small—we can afford to be very creative and develop and implement new ideas and concepts very quickly, which is not necessarily possible in the big corporate structures I’ve worked in before.
How do you motivate your team?
To me, motivation is connected to the freedom I give my team to do their jobs. I’m not a micromanager. I like when people come to me with new solutions that they came up with on their own. I also want everyone to have the chance to show the fruit of their labour and get the recognition they deserve. That’s how I motivate my team.
Thanks, Marc-André! How can people interested in joining your adventure contact you?
Contact me on LinkedIn, send me an invite, tell me about your background and, most importantly, your aspirations.
We look forward to meeting you!
3 February 2016
-
Emploi
Meet your future boss: Marc-André Dallaire, Manager – Personal Insurance Underwriting
Read
Reading :
5 minutes
Hello, Marc-André. What is your position at Promutuel Insurance?
Hello. I’ve been working at Promutuel Insurance for almost four years now. I started as Senior Actuarial Advisor, which enabled me to develop the underwriting model for New Brunswick. A few months later, I became Manager – Personal Home and Auto Insurance Underwriting.
Wow!That’s a big move in a few months!But it took more time to build your entire career, right? Give us 5 figures that sum up your professional experience.
- 2 years in France: I started by earning a bachelor’s degree in actuarial science from Université Laval in Québec City. Then I took advantage of university exchange programs to hop the pond over to France, specifically Grenoble, where I did the equivalent of a master’s in finance. After that, I stayed in France and did a one-year internship as an economic analyst for the Casino group in Saint-Étienne. When I came back I knew without a doubt that I wanted a career in the actuarial field!
- 1 year while I was cutting my teeth in actuarial work: Back to Québec City, I began my career as a junior actuarial analyst for an insurance company working mainly with a broker network. I stayed on with them for a year and a half and helped with underwriting for the business auto and commercial vehicles sectors.
- 10 years with a big player in direct distribution: It was a long and enriching experience. I started as an actuarial underwriting analyst in auto and nonstandard insurance as well as for group and association rates. After a few years, I specialized in corporate actuarial services and became a senior analyst. Specifically, I worked on reserves, reinsurance, budgets, and dynamic capital adequacy testing (DCAT). Then I had the opportunity to rise through the ranks to become a corporate actuarial manager, supervising a six-person team for five years.
- 3 years for an insurance company working with exclusive representatives: This was a new challenge for me, but still in the same area of specialization. I started as a senior actuarial advisor on the corporate team. I developed the models for reserves, budgets, and DCAT for a new company in Ontario. In this position I worked a bit like an internal consultant: I had a lot of leeway to propose and implement the most suitable models. I also had the chance to move up to a position as a senior risk management advisor.
- 4 years with Promutuel Insurance: We discussed that earlier.
Now that we know a bit more about you, tell us about your team.
I am excited to lead a team of eight young and very motivated people, with a good blend of profiles and backgrounds ranging from a newcomer to the field to someone with about ten years of experience. Most people are at the Québec City office, but the team is also expanding at our Longueuil office.
What was your team’s biggest achievement in the past four years?
That’s easy. It’s how we’ve improved our underwriting methods and techniques while staying true to the business model of mutual insurance associations. This aspect is very important in our day-to-day because providing mutual insurance associations (our clients) with advice and methods is what we do. Not only do we need a firm grasp of the technical aspects, we also have to be good communicators able to explain complex concepts.
How would you describe the work atmosphere on your team?
For me it’s about cooperation, sharing expertise, developing skills, and, above all, having fun at work. I know that may seem trivial, but it’s a big priority on my team.
Today, what types of job profiles are you looking for on your team?
In terms of experience, I’m looking for seasoned individuals with five to ten years of experience in underwriting, as well as specific experience in the business auto and home insurance sectors. As for personality, I gravitate toward people who are eager to jump in and share their know-how and experience with a younger team. People known for their intellectual curiosity, who stay on top of market trends and new techniques, and who are always looking to hone their skills.
Tell us the number one reason why it’s more enjoyable and more of a “win-win” to work with your team rather than elsewhere on the market?
Proactivity! Thanks to the structure of our business—not too big, not too small—we can afford to be very creative and develop and implement new ideas and concepts very quickly, which is not necessarily possible in the big corporate structures I’ve worked in before.
How do you motivate your team?
To me, motivation is connected to the freedom I give my team to do their jobs. I’m not a micromanager. I like when people come to me with new solutions that they came up with on their own. I also want everyone to have the chance to show the fruit of their labour and get the recognition they deserve. That’s how I motivate my team.
Thanks, Marc-André! How can people interested in joining your adventure contact you?
Contact me on LinkedIn, send me an invite, tell me about your background and, most importantly, your aspirations.
We look forward to meeting you!
3 February 2016
-
Emploi
Meet your future boss: Yan Bergeron – Manager – Business Development and Statistics
Read
Reading :
5 minutes
Hi Yan. What’s your position with the Actuarial Services Division at Promutuel Insurance?
Hi. I'm the business development and statistics manager. Have been for two years. I started out as a senior actuarial advisor working on auto underwriting for Quebec and New Brunswick.
Ok, thanks. Tell us about your actuarial career so far, going back to the beginning.What were the key dates or time periods?
3 years: That’s for my degree in actuarial science from Université Laval.
6 years: That’s the time I spent working for another insurer. I cut my teeth as an actuarial analyst in the underwriting sector for four years, then moved into research and development—also in underwriting— and worked on modelling and predictive segmentation. I also helped integrate a new piece of predictive modelling software.
6 years: Clearly I really like multiples of three. Maybe it means something! I’ve been with Promutuel Insurance for six years. And you already have the details of that adventure in the paragraph above!
How many people are on your team and what are their areas of expertise?
I work with a great team of nine people. We have four areas of expertise:
- Research and development: we review the structure and integration of new segmentation and modelling tools, with the goal of improving profitability and our alignment with the rest of the industry.
- Business statistics: that’s the more technical part of the job. We produce internal reports and work on improving how we disseminate the results and process the data.
- Geography: our geographic analyst handles our internal mapping needs, especially for our actuarial and marketing teams. Promutuel Insurance’s field of operations is highly local. Getting geographic representations of the areas we cover is a real challenge.
- Production management: we implement changes and improvements to our underwriting platform for our various business sectors. We also work on developing our insurance systems.
What’s your biggest achievement to date with your team?
I’d say our overhaul of Promutuel’s auto underwriting. All ten of us had to take on the project to bring it to completion. We made a real team effort and it was a great success!
What is it like to work on your team?
The whole team is quite collaborative. Different people work in difference capacities, but I think everyone on the team makes a real contribution. There’s a lot of helping and discussion and that’s something I’m quite proud of.
What do you look for in a new hire?
I have two major criteria. The first is experience. I’m looking for people who have experience in the fields of expertise that I described above. But I also think personality is really important, because it has an impact on the whole team and on our daily work. I like to work with people who are creative, who aren’t afraid to get off the beaten path, be it in business statistics, actuarial sciences, or geography. Those, for me, are the two essential traits. I also try to hire people who want to share what they know. It’s very important to have experienced people on our team who are willing to coach our more junior members.
What makes your team the “best” and most fun to work on?
It’s hard to pick just one aspect, so I’m going to give you several. First: the variety of the workload. Everyone gets to do a bit of everything. There aren’t any internal borders. Second: strategic mandates. My RD team is frequently asked to work on important, confidential files. Last: what makes my team different from the competition is that we work directly with our mutual insurance associations, giving them advice and support on a daily basis.
How do you motivate your troops?
One of the great things about my job is that I don’t really have to motivate anyone! Seriously though, my team is stimulated by the kind of projects we work on. We tend to be pretty positive. It’s also really motivating to work with a company that’s on an upwards trajectory and is really outstripping some of the competition in terms of growth.
Thanks Yan! How can people interested in joining the team contact you?
Contact me on LinkedIn, send me an invite, tell me about your background and, most importantly, your goals.
See all our new positions here: www.promutuelassurance.ca/fr/carriere-equipe-actuariat
We look forward to meeting you!
3 February 2016
-
Emploi
Meet your future boss: Yan Bergeron – Manager – Business Development and Statistics
Read
Reading :
5 minutes
Hi Yan. What’s your position with the Actuarial Services Division at Promutuel Insurance?
Hi. I'm the business development and statistics manager. Have been for two years. I started out as a senior actuarial advisor working on auto underwriting for Quebec and New Brunswick.
Ok, thanks. Tell us about your actuarial career so far, going back to the beginning.What were the key dates or time periods?
3 years: That’s for my degree in actuarial science from Université Laval.
6 years: That’s the time I spent working for another insurer. I cut my teeth as an actuarial analyst in the underwriting sector for four years, then moved into research and development—also in underwriting— and worked on modelling and predictive segmentation. I also helped integrate a new piece of predictive modelling software.
6 years: Clearly I really like multiples of three. Maybe it means something! I’ve been with Promutuel Insurance for six years. And you already have the details of that adventure in the paragraph above!
How many people are on your team and what are their areas of expertise?
I work with a great team of nine people. We have four areas of expertise:
- Research and development: we review the structure and integration of new segmentation and modelling tools, with the goal of improving profitability and our alignment with the rest of the industry.
- Business statistics: that’s the more technical part of the job. We produce internal reports and work on improving how we disseminate the results and process the data.
- Geography: our geographic analyst handles our internal mapping needs, especially for our actuarial and marketing teams. Promutuel Insurance’s field of operations is highly local. Getting geographic representations of the areas we cover is a real challenge.
- Production management: we implement changes and improvements to our underwriting platform for our various business sectors. We also work on developing our insurance systems.
What’s your biggest achievement to date with your team?
I’d say our overhaul of Promutuel’s auto underwriting. All ten of us had to take on the project to bring it to completion. We made a real team effort and it was a great success!
What is it like to work on your team?
The whole team is quite collaborative. Different people work in difference capacities, but I think everyone on the team makes a real contribution. There’s a lot of helping and discussion and that’s something I’m quite proud of.
What do you look for in a new hire?
I have two major criteria. The first is experience. I’m looking for people who have experience in the fields of expertise that I described above. But I also think personality is really important, because it has an impact on the whole team and on our daily work. I like to work with people who are creative, who aren’t afraid to get off the beaten path, be it in business statistics, actuarial sciences, or geography. Those, for me, are the two essential traits. I also try to hire people who want to share what they know. It’s very important to have experienced people on our team who are willing to coach our more junior members.
What makes your team the “best” and most fun to work on?
It’s hard to pick just one aspect, so I’m going to give you several. First: the variety of the workload. Everyone gets to do a bit of everything. There aren’t any internal borders. Second: strategic mandates. My RD team is frequently asked to work on important, confidential files. Last: what makes my team different from the competition is that we work directly with our mutual insurance associations, giving them advice and support on a daily basis.
How do you motivate your troops?
One of the great things about my job is that I don’t really have to motivate anyone! Seriously though, my team is stimulated by the kind of projects we work on. We tend to be pretty positive. It’s also really motivating to work with a company that’s on an upwards trajectory and is really outstripping some of the competition in terms of growth.
Thanks Yan! How can people interested in joining the team contact you?
Contact me on LinkedIn, send me an invite, tell me about your background and, most importantly, your goals.
See all our new positions here: www.promutuelassurance.ca/fr/carriere-equipe-actuariat
We look forward to meeting you!
15 January 2016
-
Free Time
Robots are our friends—for now
Read
Reading :
5 minutes
A recent talk caused quite a stir. Elon Musk, developer of the driverless car, herald of the colonization of Mars, and technological icon before the Almighty, announced his fear for mankind’s survival over the medium term. He believes robots will exterminate us. Based on what we saw at CES in early January, we tend to think robots are our friends. For now. You be the judge!
EKSO BIONICS
The Ekso Bionics exoskeleton made an appearance in 2015, but its visit in early January to the Consumer Electronics Show (CES) in Las Vegas was a real showstopper! Although the technology draws on years of research and development, mostly carried out in the early part of this decade at Berkeley University, California, it can only be described as still emerging.
Exoskeletons hold out the hope of creating superhumans using pistons, pneumatic gaskets, and the latest servo controllers. In other words, you add the strength of a steel frame and the artificial intelligence of microprocessors to the abilities of a normal human being, for improved movement.
The broad range of companies that use this technology, including armament manufacturer Lockheed Martin and some 25 hospitals in North America, Europe, and South Africa, must be on to something. The most pared-down version can cover 65 kilometres carrying 70 kilos (150 pounds) of equipment without the slightest strain. The version used in rehabilitation facilities helps patients with full or partial paralysis of the legs learn to walk again.
EHANG 184
At the same time, who needs an exoskeleton when you can fly around on an EHang 184 drone? Chinese manufacturer EHang also caused a commotion when it revealed the 200-kilo drone at CES. The device is fully automated, meaning passengers can fly at low altitudes without a pilot’s license.
The EHang 184’s capabilities are limited, but impressive nonetheless: it can carry loads up to 100 kilos, and with a top speed of around 100 km/h, its electrical power provides a range of 23 minutes. Perfect for rising above traffic jams! Once at its destination, the propellers fold up and the drone fits nicely in a standard parking space. And it works! The developer claims to have made some one hundred flights, in and around Guangzhou, China.
Onboard is a single seat facing the console, a large touchscreen used to steer, but not control, the drone. It also features air conditioning and WiFi, putting it ahead of most of today’s air liners. The price, too, is somewhere up there in the stratosphere: between $200,000 and $300,000.
Yet this drone is facing an uncertain future. Governments are imposing increasingly strict regulations to limit the use of drones in their jurisdictions. And that’s just for passengerless machines!
FROM A JAPANESE HUMANOID TO MAN’S BEST FRIEND
Last year, Toshiba pulled off a major coup with its humanoid robot, ChihiraAico. It’s designed to look like a woman with distinctly Japanese features and is now in service, greeting shoppers at a luxury mall in Tokyo and helping them locate specific stores.
In terms of robotics, the offerings were more limited this year. But maybe more disturbing: FURo-D, the most “human” robot at CES 2016, held a large touchscreen in its hands and offered to take photos of attendees. The robot would then use the face in the photo as its own, with a monitor as its head, and would walk around the booth as if this were the most natural thing in the world.
It’s very likely that FURo-D has a pet at home, probably similar to Chip, the robot dog developed by Montreal-based WowWee. Chip is fully autonomous and is sure to entertain your kids just like a real dog, with hair all over the place but without the walks in the park.
These compact robots that clean our windows and vacuum our floors, as well as other sophisticated electronic gadgets, might look harmless but maybe Elon Musk is right after all. Maybe the sole objective of these thinking machines is to adopt all our behaviours, all our habits, and eventually, replace us.
15 January 2016
-
Free Time
Robots are our friends—for now
Read
Reading :
5 minutes
A recent talk caused quite a stir. Elon Musk, developer of the driverless car, herald of the colonization of Mars, and technological icon before the Almighty, announced his fear for mankind’s survival over the medium term. He believes robots will exterminate us. Based on what we saw at CES in early January, we tend to think robots are our friends. For now. You be the judge!
EKSO BIONICS
The Ekso Bionics exoskeleton made an appearance in 2015, but its visit in early January to the Consumer Electronics Show (CES) in Las Vegas was a real showstopper! Although the technology draws on years of research and development, mostly carried out in the early part of this decade at Berkeley University, California, it can only be described as still emerging.
Exoskeletons hold out the hope of creating superhumans using pistons, pneumatic gaskets, and the latest servo controllers. In other words, you add the strength of a steel frame and the artificial intelligence of microprocessors to the abilities of a normal human being, for improved movement.
The broad range of companies that use this technology, including armament manufacturer Lockheed Martin and some 25 hospitals in North America, Europe, and South Africa, must be on to something. The most pared-down version can cover 65 kilometres carrying 70 kilos (150 pounds) of equipment without the slightest strain. The version used in rehabilitation facilities helps patients with full or partial paralysis of the legs learn to walk again.
EHANG 184
At the same time, who needs an exoskeleton when you can fly around on an EHang 184 drone? Chinese manufacturer EHang also caused a commotion when it revealed the 200-kilo drone at CES. The device is fully automated, meaning passengers can fly at low altitudes without a pilot’s license.
The EHang 184’s capabilities are limited, but impressive nonetheless: it can carry loads up to 100 kilos, and with a top speed of around 100 km/h, its electrical power provides a range of 23 minutes. Perfect for rising above traffic jams! Once at its destination, the propellers fold up and the drone fits nicely in a standard parking space. And it works! The developer claims to have made some one hundred flights, in and around Guangzhou, China.
Onboard is a single seat facing the console, a large touchscreen used to steer, but not control, the drone. It also features air conditioning and WiFi, putting it ahead of most of today’s air liners. The price, too, is somewhere up there in the stratosphere: between $200,000 and $300,000.
Yet this drone is facing an uncertain future. Governments are imposing increasingly strict regulations to limit the use of drones in their jurisdictions. And that’s just for passengerless machines!
FROM A JAPANESE HUMANOID TO MAN’S BEST FRIEND
Last year, Toshiba pulled off a major coup with its humanoid robot, ChihiraAico. It’s designed to look like a woman with distinctly Japanese features and is now in service, greeting shoppers at a luxury mall in Tokyo and helping them locate specific stores.
In terms of robotics, the offerings were more limited this year. But maybe more disturbing: FURo-D, the most “human” robot at CES 2016, held a large touchscreen in its hands and offered to take photos of attendees. The robot would then use the face in the photo as its own, with a monitor as its head, and would walk around the booth as if this were the most natural thing in the world.
It’s very likely that FURo-D has a pet at home, probably similar to Chip, the robot dog developed by Montreal-based WowWee. Chip is fully autonomous and is sure to entertain your kids just like a real dog, with hair all over the place but without the walks in the park.
These compact robots that clean our windows and vacuum our floors, as well as other sophisticated electronic gadgets, might look harmless but maybe Elon Musk is right after all. Maybe the sole objective of these thinking machines is to adopt all our behaviours, all our habits, and eventually, replace us.
17 December 2015
-
Free Time
Five high-tech trends to watch in 2016
Looking back at 2015, the year brought us plenty of new gadgets and the promise of new technology still of come. And sure enough, a good number of these new innovations are expected to be revealed this year. Will 2016 meet our expectations? At first glance, we think the answer is yes, and here are five reasons why.
Reading :
5 minutes
Looking back at 2015, the year brought us plenty of new gadgets and the promise of new technology still of come. And sure enough, a good number of these new innovations are expected to be revealed this year. Will 2016 meet our expectations? At first glance, we think the answer is yes, and here are five reasons why:
IT’S THE START OF THE END OF THE CREDIT CARD
Apple Pay. Google Pay. Samsung Pay. And, in the United States, even Walmart Pay! What’s with all these companies, so keen to have us pay with a system exclusive to their brand? The answer is simple: they’re fed up with the major credit card institutions and see new mobile devices as tools for increasing their profit margins without passing the cost on to consumers.
Such systems are already widely used by our neighbours to the south and will be launched in Canada over the coming months (Apple Pay was introduced in November, but as an exclusive partnership limited to American Express). Contactless payment terminals using a protocol known as NFC will accept payment via a smartphone, smartwatch, or any other compatible device...
SMART CLOTHING GETS EVEN MORE PERSONAL
...such as a ring with an NFC antenna. That’s right! A simple ring with an NFC circuit, worn on the finger and requiring no specific power supply, just a compatible terminal. These gadgets are the latest trend in smart clothing and accessories, those “wearables” everyone’s talking about.
Thanks to a clever combination of miniature circuits and low-energy connections (Bluetooth 4.0 Low Energy comes to mind), the quantity and variety of these accessories will take the market by storm in 2016. From NFC payment rings to wireless headphones to truly wireless earbuds like Earin, developed via the presale website Kickstarter.
Not to mention the fitness tracker bracelet trend! In 2016 these accessories will finally become more stylish, like the Jawbone Up 3, which can also take your pulse at any time and in the morning will let you know if you slept well.
HOMES WILL DO THEIR OWN SURVEILLANCE
First indications emerged two years ago, and since then home surveillance systems have become more and more streamlined. Now, homes can do all the work of a remote surveillance centre themselves. They can detect suspicious movements and unwanted visitors, instantly alerting homeowners with detailed text messages—even including a photos.
The next big trend in the coming months will be camera systems that use the new-for-2016 ZigBee protocol to communicate with smart locks on your front door. From there it is no stretch to imagine a camera like Netatmo Welcome that can recognize visitors at your door and send a signal to the lock, instructing it to open for friends and family, but not for those annoying door-to-door peddlers.
CARS WILL (FINALLY!) START TO BECOME SMARTER
Systems that collect your car’s dashboard data are nothing new. They haven’t been all that useful, however. Up to now. But it’s full speed ahead for the intelligent car in 2016! Systems such as the well-known applications CarPlay from Apple and Android Auto from Google from Google are coming to grips with your dashboard, analyzing the content of your calendar and messages and predicting your destination. So getting them to suggest the best route and send alerts to make sure you’re on time will be as easy as hopping in the car.
For Apple and Google, it’s all about infotainment. Others are taking it further. Mercedes-Benz and Tesla offer the two most sophisticated driver-assistance systems on the market. The first, Distronic Plus, can drive a car completely by itself in heavy, stop-and-go traffic when it can be bothersome to keeping pressing the accelerator, then the brake. The other, found in Tesla’s fully electric P90D, does the opposite: it takes over on the freeway, when traffic is moving, and can even change lanes when it feels the need to overtake a slower car.
Although 100%-autonomous cars are not expected to be here for another five to ten years, by early 2016 these two systems were already doing most of the work. Impressive!
PERSONAL COMPUTERS IN NEW SHAPES AND SIZES
Things are already starting to change: laptop computers now come with touchscreens, detachable monitors, and much more. Such innovations will only intensify in 2016, when a new generation of processors from Intel, Qualcomm, and others will offer improved energy consumption coupled with even more flexibility: built-in WiFi antenna and video card, Bluetooth and NFC connection, the list goes on!
Naturally, these upgrades are being introduced on high-end devices first. Apple’s iPad Pro and Microsoft’s Surface are setting the precedent: their large screens feature millions of pixels, and they can be used as electronic tablets and portable computers. Add a stylus and a keyboard, and their flexibility increases accordingly. But this is just the beginning. With biometric systems able to identify and recognize fingerprints or even the shape of a face, true electronic security might finally be here in 2016, once and for all! Farewell, simple passwords, hello 128-bit encrypted data!
ALAIN MCKENNA et @mcken on Twitter
17 December 2015
-
Free Time
Five high-tech trends to watch in 2016
Looking back at 2015, the year brought us plenty of new gadgets and the promise of new technology still of come. And sure enough, a good number of these new innovations are expected to be revealed this year. Will 2016 meet our expectations? At first glance, we think the answer is yes, and here are five reasons why.
Reading :
5 minutes
Looking back at 2015, the year brought us plenty of new gadgets and the promise of new technology still of come. And sure enough, a good number of these new innovations are expected to be revealed this year. Will 2016 meet our expectations? At first glance, we think the answer is yes, and here are five reasons why:
IT’S THE START OF THE END OF THE CREDIT CARD
Apple Pay. Google Pay. Samsung Pay. And, in the United States, even Walmart Pay! What’s with all these companies, so keen to have us pay with a system exclusive to their brand? The answer is simple: they’re fed up with the major credit card institutions and see new mobile devices as tools for increasing their profit margins without passing the cost on to consumers.
Such systems are already widely used by our neighbours to the south and will be launched in Canada over the coming months (Apple Pay was introduced in November, but as an exclusive partnership limited to American Express). Contactless payment terminals using a protocol known as NFC will accept payment via a smartphone, smartwatch, or any other compatible device...
SMART CLOTHING GETS EVEN MORE PERSONAL
...such as a ring with an NFC antenna. That’s right! A simple ring with an NFC circuit, worn on the finger and requiring no specific power supply, just a compatible terminal. These gadgets are the latest trend in smart clothing and accessories, those “wearables” everyone’s talking about.
Thanks to a clever combination of miniature circuits and low-energy connections (Bluetooth 4.0 Low Energy comes to mind), the quantity and variety of these accessories will take the market by storm in 2016. From NFC payment rings to wireless headphones to truly wireless earbuds like Earin, developed via the presale website Kickstarter.
Not to mention the fitness tracker bracelet trend! In 2016 these accessories will finally become more stylish, like the Jawbone Up 3, which can also take your pulse at any time and in the morning will let you know if you slept well.
HOMES WILL DO THEIR OWN SURVEILLANCE
First indications emerged two years ago, and since then home surveillance systems have become more and more streamlined. Now, homes can do all the work of a remote surveillance centre themselves. They can detect suspicious movements and unwanted visitors, instantly alerting homeowners with detailed text messages—even including a photos.
The next big trend in the coming months will be camera systems that use the new-for-2016 ZigBee protocol to communicate with smart locks on your front door. From there it is no stretch to imagine a camera like Netatmo Welcome that can recognize visitors at your door and send a signal to the lock, instructing it to open for friends and family, but not for those annoying door-to-door peddlers.
CARS WILL (FINALLY!) START TO BECOME SMARTER
Systems that collect your car’s dashboard data are nothing new. They haven’t been all that useful, however. Up to now. But it’s full speed ahead for the intelligent car in 2016! Systems such as the well-known applications CarPlay from Apple and Android Auto from Google from Google are coming to grips with your dashboard, analyzing the content of your calendar and messages and predicting your destination. So getting them to suggest the best route and send alerts to make sure you’re on time will be as easy as hopping in the car.
For Apple and Google, it’s all about infotainment. Others are taking it further. Mercedes-Benz and Tesla offer the two most sophisticated driver-assistance systems on the market. The first, Distronic Plus, can drive a car completely by itself in heavy, stop-and-go traffic when it can be bothersome to keeping pressing the accelerator, then the brake. The other, found in Tesla’s fully electric P90D, does the opposite: it takes over on the freeway, when traffic is moving, and can even change lanes when it feels the need to overtake a slower car.
Although 100%-autonomous cars are not expected to be here for another five to ten years, by early 2016 these two systems were already doing most of the work. Impressive!
PERSONAL COMPUTERS IN NEW SHAPES AND SIZES
Things are already starting to change: laptop computers now come with touchscreens, detachable monitors, and much more. Such innovations will only intensify in 2016, when a new generation of processors from Intel, Qualcomm, and others will offer improved energy consumption coupled with even more flexibility: built-in WiFi antenna and video card, Bluetooth and NFC connection, the list goes on!
Naturally, these upgrades are being introduced on high-end devices first. Apple’s iPad Pro and Microsoft’s Surface are setting the precedent: their large screens feature millions of pixels, and they can be used as electronic tablets and portable computers. Add a stylus and a keyboard, and their flexibility increases accordingly. But this is just the beginning. With biometric systems able to identify and recognize fingerprints or even the shape of a face, true electronic security might finally be here in 2016, once and for all! Farewell, simple passwords, hello 128-bit encrypted data!
ALAIN MCKENNA et @mcken on Twitter
14 December 2015
-
Employment
Five commandments for using social media to find your dream job
Read
Reading :
5 minutes
Before diving into your search, follow these five commandments to make a good online impression and maximize your opportunities!
KEEP YOUR PROFILES UP TO DATE AND LOOKING PROFESSIONAL
LinkedIn, Facebook, Twitter—whatever the platform, it’s important to project a professional and inviting image. Pay special attention to your profile photo. It needs to draw people in and leave a positive impression. Choose a profile photo that’s right for the business you’re in. If it’s a creative field, you’ll want a photo that’s eye-catching and original. If you’re a business exec, you’ll want a very professional-looking photo that shows your serious, dependable side. Your profile pic should reflect your personality while respecting the codes of your industry and your level of responsibility. Family pics? Photos from your latest vacation? They’re out. Take the time to configure the settings on your various accounts to limit access to your photos, and choose your platforms. If most of your professional interactions happen on LinkedIn and Twitter, present yourself in the same way on both to project a coherent image. For personal profiles, go through your security settings carefully to make sure personal details aren’t available to the public. And remember: once you publish Web or social media content, it’s out in public view, notably if there’s a change in the platform’s privacy policy. Post with caution! What goes up on the Web, stays on the Web.
Having a profile that is 100% complete and up to date is also of the essence, especially on LinkedIn, where you can promote your professional experience and competencies. Do include community and volunteer activities, as well as any other projects you’ve been involved in related to your field of work.
BUILD YOURSELF A SOLID NETWORK
Getting in touch with people is the key to getting noticed and building a solid network. This takes time and energy, but can really pay dividends. To make it easier, map out your strategy. Establish a list of criteria to focus your efforts, by determining, for example, the types of people you want to contact. Should you be networking with professionals who are active in your field, business executives, or human resource experts? Take the time to contact two or three of these people per day, using an approach that’s appropriate for the person you’re contacting. It’s possible they won’t have anything to offer you on the spot. But those same people could get back in touch at a later date if something opens up.
SHOWCASE YOUR SKILLS AND AREAS OF INTEREST
Sharing articles that are in line with your skills or professional interests is a great way to show you’re active and up to date in your field. You can also publish your own opinions or post comments on the articles of others. This shows you can think critically and are open to discussion. But be sure to talk about things you know! This reduces the risk of getting caught up in a debate on a subject that you may not be be particularly well qualified to comment on. When you publish something, keep in mind that you have followers. So stick with subjects that are useful and relevant to your network.
MAKE CONTACT WITH BUSINESSES YOU'RE INTERESTED IN
Get in touch with businesses you think are amazing! When you send an unsollicited resume, explain in an email, phone call, or cover letter why you’d like to work for them. Are you a fan of their brand? Do you know someone who works there? Do you love their products or services? Tell them how you heard about the business and make a point of mentioning a recent project of theirs that really impressed you. The goal is to make a genuine contact with the business and show sincere interest that goes beyond the surface. Be yourself!
MONITOR KEY SOURCES OF INFORNATION
Beyond social media, be sure to check job search sites and job search aggregators. It’s also important to go directly to the career pages of companies you’re interested in, since many don’t post their job offers on external sites.
And most important of all, stick to it!
Stay on top of the latest Promutuel Insurance job offers. We have loads of opportunities all over Quebec, in a variety of fields.
14 December 2015
-
Employment
Five commandments for using social media to find your dream job
Read
Reading :
5 minutes
Before diving into your search, follow these five commandments to make a good online impression and maximize your opportunities!
KEEP YOUR PROFILES UP TO DATE AND LOOKING PROFESSIONAL
LinkedIn, Facebook, Twitter—whatever the platform, it’s important to project a professional and inviting image. Pay special attention to your profile photo. It needs to draw people in and leave a positive impression. Choose a profile photo that’s right for the business you’re in. If it’s a creative field, you’ll want a photo that’s eye-catching and original. If you’re a business exec, you’ll want a very professional-looking photo that shows your serious, dependable side. Your profile pic should reflect your personality while respecting the codes of your industry and your level of responsibility. Family pics? Photos from your latest vacation? They’re out. Take the time to configure the settings on your various accounts to limit access to your photos, and choose your platforms. If most of your professional interactions happen on LinkedIn and Twitter, present yourself in the same way on both to project a coherent image. For personal profiles, go through your security settings carefully to make sure personal details aren’t available to the public. And remember: once you publish Web or social media content, it’s out in public view, notably if there’s a change in the platform’s privacy policy. Post with caution! What goes up on the Web, stays on the Web.
Having a profile that is 100% complete and up to date is also of the essence, especially on LinkedIn, where you can promote your professional experience and competencies. Do include community and volunteer activities, as well as any other projects you’ve been involved in related to your field of work.
BUILD YOURSELF A SOLID NETWORK
Getting in touch with people is the key to getting noticed and building a solid network. This takes time and energy, but can really pay dividends. To make it easier, map out your strategy. Establish a list of criteria to focus your efforts, by determining, for example, the types of people you want to contact. Should you be networking with professionals who are active in your field, business executives, or human resource experts? Take the time to contact two or three of these people per day, using an approach that’s appropriate for the person you’re contacting. It’s possible they won’t have anything to offer you on the spot. But those same people could get back in touch at a later date if something opens up.
SHOWCASE YOUR SKILLS AND AREAS OF INTEREST
Sharing articles that are in line with your skills or professional interests is a great way to show you’re active and up to date in your field. You can also publish your own opinions or post comments on the articles of others. This shows you can think critically and are open to discussion. But be sure to talk about things you know! This reduces the risk of getting caught up in a debate on a subject that you may not be be particularly well qualified to comment on. When you publish something, keep in mind that you have followers. So stick with subjects that are useful and relevant to your network.
MAKE CONTACT WITH BUSINESSES YOU'RE INTERESTED IN
Get in touch with businesses you think are amazing! When you send an unsollicited resume, explain in an email, phone call, or cover letter why you’d like to work for them. Are you a fan of their brand? Do you know someone who works there? Do you love their products or services? Tell them how you heard about the business and make a point of mentioning a recent project of theirs that really impressed you. The goal is to make a genuine contact with the business and show sincere interest that goes beyond the surface. Be yourself!
MONITOR KEY SOURCES OF INFORNATION
Beyond social media, be sure to check job search sites and job search aggregators. It’s also important to go directly to the career pages of companies you’re interested in, since many don’t post their job offers on external sites.
And most important of all, stick to it!
Stay on top of the latest Promutuel Insurance job offers. We have loads of opportunities all over Quebec, in a variety of fields.
3 December 2015
-
On the Road
Car insurance: Why does my premium go up sometimes?
Read
Reading :
4 minutes
It’s time to renew your car insurance. Surprise! Your premium has increased. There are many possible reasons: Here are eight.
REASON # 1 – YOUR POLICY HAS A REPLACEMENT VALUE ENDORSEMENT
Replacement value endorsements, for policies that have them, are one of the main reasons car insurance premiums go up. The older a vehicle gets, the more it depreciates, and the more the costs associated with a replacement value endorsement increase!
REASON # 2 – THERE’S A SMALL BLEMISH ON YOUR FILE
If there have been any changes to your driving record or claims file, there’s a good possibility your insurance premium will increase. Being involved in a car accident or getting a traffic ticket, for example, can count against you and cause your premium to go up come renewal time.
If you’re at fault in an accident and make a claim to your insurer, you should also expect your premium to go up. Even if you cover the costs of the accident, it will be recorded in the Automobile Claims Database, which can be viewed by any company that offers vehicle insurance. That’s why it’s a good idea to report all accidents to your insurer, even if you don’t make a claim, in order to give them your side of the story and allow them to make an honest and fair assessment of your degree of responsibility.
REASON # 3 – A PROMOTION HAS COME TO AN END
You may have benefited from a special promotional price on your car insurance that is no longer available when you renew.
REASON # 4 –YOU'VE ACQUIRED YOUR DREAM CAR
Did you just buy the car of your dreams? Congratulations! Now, about the bill… The kind of vehicle you have has an influence on the insurance premium when you renew. Insurers look at the make, year, and model of the car, since these can affect the level of risk involved in insuring the vehicle.
Using your vehicle more frequently can also trigger a rise in your premium. The more you drive, the more you increase the possibility of being involved in a motor vehicle accident. Something to think about!
REASON # 5 – YOU’VE MOVED
Your insurance premium varies depending on your area of residence. The number of claims or car thefts in your neighborhood is taken into account when you renew.
REASON # 6 – A BAD CREDIT RATING
Financial stability and a good credit record can qualify you for significant discounts when you renew.
REASON # 7 – YOUR TEENAGER JUST GOT HIS OR HER LICENSE (HURRAY!)
Your child has just earned his or her license and wants to borrow the car? Adding a young adult as an occasional (or principal) driver when you renew your insurance will increase your premium. But it also means that your whole family will be safely and adequately covered in case of an accident.
REASON # 8 – CAR INSURANCE TAXES HAVE INCREASED
That’s right! In its economic update, the Quebec government raised the auto insurance premium sales tax (TPA) from 5% to 9% as of January 1, 2015. This tax increase also applies to rolling stock such as snow plows, tractors, and snow blowers. For more information, read the press releases from the Insurance Bureau of Canada and Revenue Quebec.
WATCH FOR DISCOUNTS
Are you a longstanding client? Is your car equipped with an antitheft device? Do you want to insure your car and house with the same insurer? All of these factors can earn you discounts when you renew your car insurance. Don’t be shy about asking your insurer questions come renewal time!
3 December 2015
-
On the Road
Car insurance: Why does my premium go up sometimes?
Read
Reading :
4 minutes
It’s time to renew your car insurance. Surprise! Your premium has increased. There are many possible reasons: Here are eight.
REASON # 1 – YOUR POLICY HAS A REPLACEMENT VALUE ENDORSEMENT
Replacement value endorsements, for policies that have them, are one of the main reasons car insurance premiums go up. The older a vehicle gets, the more it depreciates, and the more the costs associated with a replacement value endorsement increase!
REASON # 2 – THERE’S A SMALL BLEMISH ON YOUR FILE
If there have been any changes to your driving record or claims file, there’s a good possibility your insurance premium will increase. Being involved in a car accident or getting a traffic ticket, for example, can count against you and cause your premium to go up come renewal time.
If you’re at fault in an accident and make a claim to your insurer, you should also expect your premium to go up. Even if you cover the costs of the accident, it will be recorded in the Automobile Claims Database, which can be viewed by any company that offers vehicle insurance. That’s why it’s a good idea to report all accidents to your insurer, even if you don’t make a claim, in order to give them your side of the story and allow them to make an honest and fair assessment of your degree of responsibility.
REASON # 3 – A PROMOTION HAS COME TO AN END
You may have benefited from a special promotional price on your car insurance that is no longer available when you renew.
REASON # 4 –YOU'VE ACQUIRED YOUR DREAM CAR
Did you just buy the car of your dreams? Congratulations! Now, about the bill… The kind of vehicle you have has an influence on the insurance premium when you renew. Insurers look at the make, year, and model of the car, since these can affect the level of risk involved in insuring the vehicle.
Using your vehicle more frequently can also trigger a rise in your premium. The more you drive, the more you increase the possibility of being involved in a motor vehicle accident. Something to think about!
REASON # 5 – YOU’VE MOVED
Your insurance premium varies depending on your area of residence. The number of claims or car thefts in your neighborhood is taken into account when you renew.
REASON # 6 – A BAD CREDIT RATING
Financial stability and a good credit record can qualify you for significant discounts when you renew.
REASON # 7 – YOUR TEENAGER JUST GOT HIS OR HER LICENSE (HURRAY!)
Your child has just earned his or her license and wants to borrow the car? Adding a young adult as an occasional (or principal) driver when you renew your insurance will increase your premium. But it also means that your whole family will be safely and adequately covered in case of an accident.
REASON # 8 – CAR INSURANCE TAXES HAVE INCREASED
That’s right! In its economic update, the Quebec government raised the auto insurance premium sales tax (TPA) from 5% to 9% as of January 1, 2015. This tax increase also applies to rolling stock such as snow plows, tractors, and snow blowers. For more information, read the press releases from the Insurance Bureau of Canada and Revenue Quebec.
WATCH FOR DISCOUNTS
Are you a longstanding client? Is your car equipped with an antitheft device? Do you want to insure your car and house with the same insurer? All of these factors can earn you discounts when you renew your car insurance. Don’t be shy about asking your insurer questions come renewal time!
12 November 2015
-
On the Road
QUIZ! Five questions to better understand how your credit score affects your insurance premiums
Damage insurers often request access to your credit information to help determine insurance premiums, whether for auto insurance or home insurance. This practice raises numerous questions. To understand the reasons for this, here’s a little quiz to help you tell what’s true from what’s false. Ready to test your knowledge?
Reading :
4 minutes
TRUE OR FALSE?“There’s a direct link between your credit rating and the risk of filing a claim.”
TRUE. Without going so far as to prove a causal link, a number of studies have nonetheless shown that a person with a low credit score is more likely to file a claim than someone with a good credit history. That’s why damage insurers use credit scores as an indicator to help set insurance premiums.
TRUE OR FALSE? “I have an obligation to provide my damage insurer with information about my credit history.”
FALSE. This is entirely up to you! You are under no obligation to provide credit information to your damage insurer. The decision you make may play in your favour or it may be to your disadvantage. If you have a clean credit history, for example, you could obtain a lower premium by providing access to your credit information. In this case, it’s a plus for you!
The goal of the insurer is to offer you a personalized premium at a rate that is competitive and, most importantly, accurately reflects the insurable risk. Insurers are required to ask for your consent before obtaining information about your credit history.
TRUE OR FALSE?“The fact that a number of insurance companies consult my credit file can lower my score.”
FALSE. Your score will not change if several insurers consult your file.
TRUE OR FALSE?“The insurer bases premiums entirely on a client’s credit score.”
FALSE. The credit score is just one of several criteria your insurer uses to set your premium. With car insurance, for example, the insurer will also check your driving experience, how you use your vehicle, the make and model, etc. For home insurance, things like property value, local crime rates, and the value of your possessions will be taken into account.
TRUE OR FALSE? “Damage insurers can use credit information for a variety of purposes.”
FALSE. Credit information is used by the insurer to help assess the risk of insuring each consumer as accurately as possible, based on their profile, credit history, and insurance needs. The risk assessment process varies from one insurer to another because different actuarial models can be used to set premiums. Each insurer has its own “formula” for providing the best possible premiums to its customers.
Want to learn more on this topic? Contact us!
12 November 2015
-
On the Road
QUIZ! Five questions to better understand how your credit score affects your insurance premiums
Damage insurers often request access to your credit information to help determine insurance premiums, whether for auto insurance or home insurance. This practice raises numerous questions. To understand the reasons for this, here’s a little quiz to help you tell what’s true from what’s false. Ready to test your knowledge?
Reading :
4 minutes
TRUE OR FALSE?“There’s a direct link between your credit rating and the risk of filing a claim.”
TRUE. Without going so far as to prove a causal link, a number of studies have nonetheless shown that a person with a low credit score is more likely to file a claim than someone with a good credit history. That’s why damage insurers use credit scores as an indicator to help set insurance premiums.
TRUE OR FALSE? “I have an obligation to provide my damage insurer with information about my credit history.”
FALSE. This is entirely up to you! You are under no obligation to provide credit information to your damage insurer. The decision you make may play in your favour or it may be to your disadvantage. If you have a clean credit history, for example, you could obtain a lower premium by providing access to your credit information. In this case, it’s a plus for you!
The goal of the insurer is to offer you a personalized premium at a rate that is competitive and, most importantly, accurately reflects the insurable risk. Insurers are required to ask for your consent before obtaining information about your credit history.
TRUE OR FALSE?“The fact that a number of insurance companies consult my credit file can lower my score.”
FALSE. Your score will not change if several insurers consult your file.
TRUE OR FALSE?“The insurer bases premiums entirely on a client’s credit score.”
FALSE. The credit score is just one of several criteria your insurer uses to set your premium. With car insurance, for example, the insurer will also check your driving experience, how you use your vehicle, the make and model, etc. For home insurance, things like property value, local crime rates, and the value of your possessions will be taken into account.
TRUE OR FALSE? “Damage insurers can use credit information for a variety of purposes.”
FALSE. Credit information is used by the insurer to help assess the risk of insuring each consumer as accurately as possible, based on their profile, credit history, and insurance needs. The risk assessment process varies from one insurer to another because different actuarial models can be used to set premiums. Each insurer has its own “formula” for providing the best possible premiums to its customers.
Want to learn more on this topic? Contact us!
3 November 2015
-
Free Time
The 3 things to know about insuring your snowmobile
Read
Reading :
2 minutes
1. SNOWMOBILE INSURANCE: WHAT THE LAW SAYS
Under the law—the Act respecting off-highway vehicles to be precise—all snowmobile owners must hold at least $500,000 in civil liability insurance. You are required to purchase this insurance from a damage insurer to cover any bodily injury or property damage your vehicle could cause to others.
Penalty for violating the act: If you violate this requirement, you could be fined between $375 and $750.
The recommended amount of coverage: It is recommended that you opt for $1 million in civil liability coverage.
2. SNOWMOBILE INSURANCE: HOW TO PROTECT YOURSELF IN THE EVENT OF INJURY
Keep in mind that, a few exceptions aside, the Automobile Insurance Act does not provide for any compensation in case of bodily injury in a snowmobile accident. As a rule of thumb, if you are held responsible for injuries caused to another person, it is your insurer that will handle the claims.
What if you are injured? It’s up to you to take out sufficient coverage to protect yourself.
3. SNOWMOBILE INSURANCE: HOW TO PROTECT YOUR SNOWMOBILE?
If your snowmobile is seriously damaged in an at-fault accident, fire, theft, etc., you’ll want to repair it. To help get your snowmobile back up and running, you’ll need insurance that covers damage caused to your vehicle. Insurers offer a variety of coverage options, and you need to speak to your insurer to find the right insurance for you. These specific types of coverage are listed in Chapter B of your insurance contract.
Now that you are well informed, there’s just a few more weeks before you can get out and start enjoying the new snowmobiling season!
3 November 2015
-
Free Time
The 3 things to know about insuring your snowmobile
Read
Reading :
2 minutes
1. SNOWMOBILE INSURANCE: WHAT THE LAW SAYS
Under the law—the Act respecting off-highway vehicles to be precise—all snowmobile owners must hold at least $500,000 in civil liability insurance. You are required to purchase this insurance from a damage insurer to cover any bodily injury or property damage your vehicle could cause to others.
Penalty for violating the act: If you violate this requirement, you could be fined between $375 and $750.
The recommended amount of coverage: It is recommended that you opt for $1 million in civil liability coverage.
2. SNOWMOBILE INSURANCE: HOW TO PROTECT YOURSELF IN THE EVENT OF INJURY
Keep in mind that, a few exceptions aside, the Automobile Insurance Act does not provide for any compensation in case of bodily injury in a snowmobile accident. As a rule of thumb, if you are held responsible for injuries caused to another person, it is your insurer that will handle the claims.
What if you are injured? It’s up to you to take out sufficient coverage to protect yourself.
3. SNOWMOBILE INSURANCE: HOW TO PROTECT YOUR SNOWMOBILE?
If your snowmobile is seriously damaged in an at-fault accident, fire, theft, etc., you’ll want to repair it. To help get your snowmobile back up and running, you’ll need insurance that covers damage caused to your vehicle. Insurers offer a variety of coverage options, and you need to speak to your insurer to find the right insurance for you. These specific types of coverage are listed in Chapter B of your insurance contract.
Now that you are well informed, there’s just a few more weeks before you can get out and start enjoying the new snowmobiling season!
26 October 2015
-
Things We Love
Football fever hits Promutuel Insurance with the Vanier Cup!
Promutuel Insurance is extremely proud to be presenting the Vanier Cup. Everyone’s ready and raring to go—the mood in the stadium is going to be supercharged!
Reading :
2 minutes
Why support the 2015 Vanier Cup?
If you’ve been following us, you may have noticed that we sponsor a lot of sporting events as well as certain athletes: Grand défi Pierre Lavoie, Osez le Mont Saint-Anne, Omnium du Québec Promutuel Insurance, Québec kitesurfer Catherine Dufour… Basically, we like to stay on our toes! It seemed only right to add a trophy to all of these sports challenges. With the Vanier Cup, we’ve gone and done just that!
The Vanier Cup Championship presented by Promutuel Insurance is going to be:
BIG: The Vanier Cup championship game is the most important match of the year in Canadian varsity football—the victors go home as national champions. Université Laval has been chosen to host the event for the fourth time in seven years.
LOUD: A crowd of over 17,000 is expected at the TELUS-Université Laval stadium on game day!
NOT TO BE MISSED: Throughout the conference finals, stay connected with Promutuel Insurance on social media to experience the thrills of university football: ticket draws, tailgate recipes, predictions, and a whole lot more! Game day will be your chance to join us in the stands, and even try for a field goal!
In their words: Promutuel Insurance in partnership with the 2015 Vanier Cup Championship
“We’re extremely proud to be partnering with Université Laval to present the 2015 Vanier Cup! On November 28, university football fever will sweep the city, and I’m sure that we’ll witness an unforgettable game in an incredible atmosphere,” said Jonathan Pollender, vice president of marketing and business development for Promutuel Insurance.
“We’re obviously thrilled to have Promutuel Insurance as a sponsor for this major event at Université Laval. On behalf of the entire organizing committee, I’d like to offer our sincere thanks for their support. We hope it’s the beginning of a lasting partnership!” added Gilles Lépine, co-chair of the Vanier Cup organizing committee..
See you soon on social media and in the stadium!
26 October 2015
-
Things We Love
Football fever hits Promutuel Insurance with the Vanier Cup!
Promutuel Insurance is extremely proud to be presenting the Vanier Cup. Everyone’s ready and raring to go—the mood in the stadium is going to be supercharged!
Reading :
2 minutes
Why support the 2015 Vanier Cup?
If you’ve been following us, you may have noticed that we sponsor a lot of sporting events as well as certain athletes: Grand défi Pierre Lavoie, Osez le Mont Saint-Anne, Omnium du Québec Promutuel Insurance, Québec kitesurfer Catherine Dufour… Basically, we like to stay on our toes! It seemed only right to add a trophy to all of these sports challenges. With the Vanier Cup, we’ve gone and done just that!
The Vanier Cup Championship presented by Promutuel Insurance is going to be:
BIG: The Vanier Cup championship game is the most important match of the year in Canadian varsity football—the victors go home as national champions. Université Laval has been chosen to host the event for the fourth time in seven years.
LOUD: A crowd of over 17,000 is expected at the TELUS-Université Laval stadium on game day!
NOT TO BE MISSED: Throughout the conference finals, stay connected with Promutuel Insurance on social media to experience the thrills of university football: ticket draws, tailgate recipes, predictions, and a whole lot more! Game day will be your chance to join us in the stands, and even try for a field goal!
In their words: Promutuel Insurance in partnership with the 2015 Vanier Cup Championship
“We’re extremely proud to be partnering with Université Laval to present the 2015 Vanier Cup! On November 28, university football fever will sweep the city, and I’m sure that we’ll witness an unforgettable game in an incredible atmosphere,” said Jonathan Pollender, vice president of marketing and business development for Promutuel Insurance.
“We’re obviously thrilled to have Promutuel Insurance as a sponsor for this major event at Université Laval. On behalf of the entire organizing committee, I’d like to offer our sincere thanks for their support. We hope it’s the beginning of a lasting partnership!” added Gilles Lépine, co-chair of the Vanier Cup organizing committee..
See you soon on social media and in the stadium!
23 October 2015
-
Safety and Prevention
Using electric backup heating the right way
Read
Reading :
3 minutes
Let’s welcome Jean-François, our inhouse prevention expert. Today he’ll be giving us advice on how to safely use and maintain backup heaters.
Hello, Jean-François! First off, can you give us a few examples of backup heating?
Sure! Backup heating is used temporarily when your central heating isn’t enough. You never use it all day. So we’re talking about things like portable electric radiators and electric space heaters.
Thanks for the clarification! Why is it important to talk about backup heating?
A significant number of fires are caused by overused, improperly used, or poorly installed backup heaters—especially during extremely cold winter weather. So let’s be ready for it this year!
What tips would you give someone wanting to purchase an electric backup heater?
First of all, you can choose from a wide selection of devices.
Let’s start with portable electric heaters. The good thing about them is they’re safe. And they’re easy to use—just plug them in. Here are my tips for using them safely:
Make sure the device bears the seal of a recognized certification body like CSA or ULC.
Check that it has a switch or electrical disconnect that will automatically shut it off if it overheats.
Don’t use it in a damp area or somewhere water could get on it, like a bathroom.
Avoid using extension cords and plug the heater directly into an outlet.
Now let’s talk about portable space heaters. There are many kinds: natural convection, pulsed air, radiant, and combined. What I recommend above all is choosing a heater according to the size of the room you want to heat. Each has its advantages: for example, pulsed air heaters heat quickly, while radiant heaters are silent.
Now you have an overview of the various devices. This list isn’t exhaustive, but it covers the most common heater types.
Thanks for these great tips! Now we’ll let you wrap things up.
Thanks, there are quite a few! Here are my last ones for a cozy and safe winter:
Don’t leave your electric backup heater unattended. Turn it off when you leave the house or go to bed.
Don’t place anything that could burn next to the heater. This includes paper, gasoline, chemicals, paint, fabrics, or cleaning products.
Don’t put flammable items on top of the heater, even when it’s no longer putting out heat.
Keep the heater out of reach of children.
Be sure air is circulating freely to the heater.
Clear the space around the heater of anything that could block the way.
Stay nice and warm this winter, but remember to get outside once in a while!
23 October 2015
-
Safety and Prevention
Using electric backup heating the right way
Read
Reading :
3 minutes
Let’s welcome Jean-François, our inhouse prevention expert. Today he’ll be giving us advice on how to safely use and maintain backup heaters.
Hello, Jean-François! First off, can you give us a few examples of backup heating?
Sure! Backup heating is used temporarily when your central heating isn’t enough. You never use it all day. So we’re talking about things like portable electric radiators and electric space heaters.
Thanks for the clarification! Why is it important to talk about backup heating?
A significant number of fires are caused by overused, improperly used, or poorly installed backup heaters—especially during extremely cold winter weather. So let’s be ready for it this year!
What tips would you give someone wanting to purchase an electric backup heater?
First of all, you can choose from a wide selection of devices.
Let’s start with portable electric heaters. The good thing about them is they’re safe. And they’re easy to use—just plug them in. Here are my tips for using them safely:
Make sure the device bears the seal of a recognized certification body like CSA or ULC.
Check that it has a switch or electrical disconnect that will automatically shut it off if it overheats.
Don’t use it in a damp area or somewhere water could get on it, like a bathroom.
Avoid using extension cords and plug the heater directly into an outlet.
Now let’s talk about portable space heaters. There are many kinds: natural convection, pulsed air, radiant, and combined. What I recommend above all is choosing a heater according to the size of the room you want to heat. Each has its advantages: for example, pulsed air heaters heat quickly, while radiant heaters are silent.
Now you have an overview of the various devices. This list isn’t exhaustive, but it covers the most common heater types.
Thanks for these great tips! Now we’ll let you wrap things up.
Thanks, there are quite a few! Here are my last ones for a cozy and safe winter:
Don’t leave your electric backup heater unattended. Turn it off when you leave the house or go to bed.
Don’t place anything that could burn next to the heater. This includes paper, gasoline, chemicals, paint, fabrics, or cleaning products.
Don’t put flammable items on top of the heater, even when it’s no longer putting out heat.
Keep the heater out of reach of children.
Be sure air is circulating freely to the heater.
Clear the space around the heater of anything that could block the way.
Stay nice and warm this winter, but remember to get outside once in a while!
14 October 2015
-
Things We Love
The true spirit of cooperation!
Dear readers, before getting into the topic at hand, allow me to quickly introduce myself: My name is Émilie, I’m 28 and I’ve been working as a public relations advisor at Promutel Insurance for nearly three years. I’m passionate about communications and public relations, I’m a part-time gym buff, but a full-time foodie! Nice to meet you, and thanks for letting me share my travel story with you.
Reading :
3 minutes
Dear readers, before getting into the topic at hand, allow me to quickly introduce myself: My name is Émilie, I’m 28 and I’ve been working as a public relations advisor at Promutel Insurance for nearly three years. I’m passionate about communications and public relations, I’m a part-time gym buff, but a full-time foodie! Nice to meet you, and thanks for letting me share my travel story with you.
Through my job at Promutuel Insurance, I’ve had the chance to work with Société de cooperation pour le développement international (SOCODEVI). SOCODEVI is a network of cooperatives and mutuals that have been sharing their technical expertise and know-how for 30 years with partners in developing countries to generate, protect, and distribute wealth in these countries. Promutuel Insurance is a member of this network. The SOCODEVI team asked me to carry out a mission: to rethink a communications plan affecting a group of agricultural cooperatives in Peru.
The mission
During my mission, I met with the main contacts for these agricultural cooperatives in order to learn about their needs and their realities, as well as assess the situation and recommend some solutions.
We had the opportunity to discuss best practices in communications: participating in trade shows, organizing coop store launches, and selecting content to use based on different communication tools.
The main challenge of the mission was to coordinate communication between the cooperatives, their members, their partners, and the local population. And the more people there are, the more a message can be distorted.
So my first recommendation was to improve internal communication.Rethinking the communications plan will provide the tools required for members to adopt the values of their cooperative.
The main objective of the communications plan is for the cooperatives to be able to complete their projects in an organized way and communicate them to their various audiences.
The country
Wow! That was my first impression that comes to mind. It was my first time visiting Latin America. I landed in Lima and the cultural immersion started right away—first the language, then the people. Lima is a sprawling city of 10 million residents! My trip took me from Lima to Trujillo, Huarmey, and Barranca. They are farther away from the big urban centres, but they blew me away! Farming is the main activity in rural areas. I even had the opportunity to visit an organic asparagus cooperative.
The people
I was lucky enough to cross paths with so many people that were passionate about cooperation and development. The onsite SOCODEVI team and the Peruvians welcomed me and were very open to all the recommendations I made throughout my mission. I also spent most of my mission working with Joëlle Bernard, another Quebecer who has lived in Peru for over a year and is the project management assistant. Joëlle was my interpreter and more than that, she was an indispensable guide and travel companion during this discovery-filled journey.
Things I couldn’t fit in the story, but that struck me:
Losing my luggage arriving in Lima, and getting it back only four days later
All the times I struggled to make myself understood with my very basic Spanish
The daylight, the smells, and the colours of the city
Arriving in spring while it was fall in Québec
The road between Trujillo and Lima across a breathtaking desert as far as the eye could see
Staying a few nights in Miraflores, a coastal district of Lima right on the Pacific Ocean—the water there is apparently freezing, but it’s a great spot to surf!
Tasting amazing ceviche, desserts with exotic flavours and colours, and sipping pisco cocktails (a traditional Peruvian drink)
The stunning landscape of the Sacred Valley of the Incas
My “climb” up Machu Picchu—the highlight of my trip!
I’d also like to take this opportunity to thank my employer, Promutuel Insurance, for giving me the opportunity to complete this project at the other end of the Americas, and to once again emphasize its commitment to cooperation and teamwork!
14 October 2015
-
Things We Love
The true spirit of cooperation!
Dear readers, before getting into the topic at hand, allow me to quickly introduce myself: My name is Émilie, I’m 28 and I’ve been working as a public relations advisor at Promutel Insurance for nearly three years. I’m passionate about communications and public relations, I’m a part-time gym buff, but a full-time foodie! Nice to meet you, and thanks for letting me share my travel story with you.
Reading :
3 minutes
Dear readers, before getting into the topic at hand, allow me to quickly introduce myself: My name is Émilie, I’m 28 and I’ve been working as a public relations advisor at Promutel Insurance for nearly three years. I’m passionate about communications and public relations, I’m a part-time gym buff, but a full-time foodie! Nice to meet you, and thanks for letting me share my travel story with you.
Through my job at Promutuel Insurance, I’ve had the chance to work with Société de cooperation pour le développement international (SOCODEVI). SOCODEVI is a network of cooperatives and mutuals that have been sharing their technical expertise and know-how for 30 years with partners in developing countries to generate, protect, and distribute wealth in these countries. Promutuel Insurance is a member of this network. The SOCODEVI team asked me to carry out a mission: to rethink a communications plan affecting a group of agricultural cooperatives in Peru.
The mission
During my mission, I met with the main contacts for these agricultural cooperatives in order to learn about their needs and their realities, as well as assess the situation and recommend some solutions.
We had the opportunity to discuss best practices in communications: participating in trade shows, organizing coop store launches, and selecting content to use based on different communication tools.
The main challenge of the mission was to coordinate communication between the cooperatives, their members, their partners, and the local population. And the more people there are, the more a message can be distorted.
So my first recommendation was to improve internal communication.Rethinking the communications plan will provide the tools required for members to adopt the values of their cooperative.
The main objective of the communications plan is for the cooperatives to be able to complete their projects in an organized way and communicate them to their various audiences.
The country
Wow! That was my first impression that comes to mind. It was my first time visiting Latin America. I landed in Lima and the cultural immersion started right away—first the language, then the people. Lima is a sprawling city of 10 million residents! My trip took me from Lima to Trujillo, Huarmey, and Barranca. They are farther away from the big urban centres, but they blew me away! Farming is the main activity in rural areas. I even had the opportunity to visit an organic asparagus cooperative.
The people
I was lucky enough to cross paths with so many people that were passionate about cooperation and development. The onsite SOCODEVI team and the Peruvians welcomed me and were very open to all the recommendations I made throughout my mission. I also spent most of my mission working with Joëlle Bernard, another Quebecer who has lived in Peru for over a year and is the project management assistant. Joëlle was my interpreter and more than that, she was an indispensable guide and travel companion during this discovery-filled journey.
Things I couldn’t fit in the story, but that struck me:
Losing my luggage arriving in Lima, and getting it back only four days later
All the times I struggled to make myself understood with my very basic Spanish
The daylight, the smells, and the colours of the city
Arriving in spring while it was fall in Québec
The road between Trujillo and Lima across a breathtaking desert as far as the eye could see
Staying a few nights in Miraflores, a coastal district of Lima right on the Pacific Ocean—the water there is apparently freezing, but it’s a great spot to surf!
Tasting amazing ceviche, desserts with exotic flavours and colours, and sipping pisco cocktails (a traditional Peruvian drink)
The stunning landscape of the Sacred Valley of the Incas
My “climb” up Machu Picchu—the highlight of my trip!
I’d also like to take this opportunity to thank my employer, Promutuel Insurance, for giving me the opportunity to complete this project at the other end of the Americas, and to once again emphasize its commitment to cooperation and teamwork!
13 October 2015
-
Prévention
So long, pool! Fall is here and it’s time to close up shop!
Some goodbyes can break your heart; this one comes pretty close. That’s right—it’s time to close and winterize your pool. Below, a step-by-step guide to ensuring a blissful reunion next summer.
Reading :
5 minutes
In this article, we’ll look at winterizing above-ground pools. We’re happy to have as our co-author a real expert in the field: Nicolas Guillotte, president of ACPQ, Quebec’s pool merchant association.
When should I shut down my pool?
As late as possible, ideally in October, when the water temperature has hit 10°C. The idea is to keep the water clean as long as possible before closing the pool, to avoid a build-up of dirt and bacteria.
First the cleaning, then the closing!
La première chose à faire est de passer l’aspirateur. On poursuit le travail avec un lavage à contre-courant, plus communément appelé back-wash. Quand vous enclenchez la manette du filtre à la position back-wash, l'eau remonte dans le filtre, agite le sable et déloge ainsi les saletés, qui montent en surface et sont évacuées par le tuyau de vidange.
The first thing to do is to vacuum the pool floor. Then follow up with a back‑wash. When you set the filter handle to the back‑wash position, the water rises in the filter and shakes up the sand, which releases dirt and debris. These will rise to the surface and be expelled through the back‑wash hose.
This should take about two minutes. The next step is to set the filter to the rinse position to expel the dirty water between the filter head and the sand. Run the pump for 30 seconds.
Next, regulate the water alkalinity to 100–120 ppm and the pH to 7.2–7.4. It’s time for a little superchlorination! The idea is to increase the total residual chlorine content for a few hours in order to break down and kill any chlorine-resistant microorganisms.
Clean all the accessories
The cleaning isn’t over yet! The filter, solar blanket, and dirt ring around the sides of the pool all need to be cleaned. Of course, be sure to use the right products for each to avoid damaging your pool equipment.
Empty the pool
Start by closing your skimmer, then stop the pump. Set the filter handle to the drain or waste position. If you don’t have a bottom drain, you’ll need to use the vacuum to drain the pool. Drain the water down to a level of 15–18 inches below the skimmer. (If you’re unsure of how much water to drain, talk to the people at your pool store, since the recommended water level for this step can vary depending on the pool.) Once you’ve drained the pool to the recommended level, shut off the pump.
Store the pump
Unplug your pump, then unhook all of the hoses, dump out the water, and clean as needed. Store your pump in a heated and dry place.
Store the filter
First step: unscrew the pressure gauge, remove the sight glass, and empty the filter tank. Hang the filter upside down for a few days to ensure the tank is completely drained. If you have a sand filter, don’t try to hang it upside down—just remove the bottom plug. If you have a cartridge filter, you’ll need to remove the cartridge, clean it, and drain it. Reassemble the filter and set it to winterize or between positions.
Winterize the bottom drain
The most important thing is to fill the bottom drain pipe with antifreeze. For optimal winterizing, insert a foam backer rod in the drain after adding the antifreeze.
Winterize the skimmer
Remove the weir, face plate cover, and basket, then fill with styrofoam.
Winterize the water return
Unscrew the ring around the water return to remove the eyeball. Screw in the winterizing plug to stop water from getting out.
Roll out the winter cover
Don’t forget to put a beach ball under the cover so that rainwater drains off to the sides. Puddles of rainwater can put too much pressure on the cover, which could damage the pool. Remember: the winter cover will need to be removed before the first heavy freeze.
Turn off the water heater
It’s best to drain the heater with a vacuum or to blow air through it. Remove the drainage plug if there is one.
Pay close attention to the water level in your pool. Precipitation (snow and rain) can raise the water level and cause damage. Drain the pool back down to 18 inches below the skimmer as necessary.
Make sure you have good drainage around the pool. Don’t break ice in the pool, as this could damage the cover. Once the pool is frozen, don’t touch it until spring, but do keep an eye on it throughout the winter. Fancy a skating rink? Don’t build it in your pool!
These tips are for your information. Winterizing your pool properly is your responsibility. When in doubt, don’t hesitate to bring in a pool maintenance and winterizing professional—damage from improper winterizing is often very expensive to repair.
13 October 2015
-
Prévention
So long, pool! Fall is here and it’s time to close up shop!
Some goodbyes can break your heart; this one comes pretty close. That’s right—it’s time to close and winterize your pool. Below, a step-by-step guide to ensuring a blissful reunion next summer.
Reading :
5 minutes
In this article, we’ll look at winterizing above-ground pools. We’re happy to have as our co-author a real expert in the field: Nicolas Guillotte, president of ACPQ, Quebec’s pool merchant association.
When should I shut down my pool?
As late as possible, ideally in October, when the water temperature has hit 10°C. The idea is to keep the water clean as long as possible before closing the pool, to avoid a build-up of dirt and bacteria.
First the cleaning, then the closing!
La première chose à faire est de passer l’aspirateur. On poursuit le travail avec un lavage à contre-courant, plus communément appelé back-wash. Quand vous enclenchez la manette du filtre à la position back-wash, l'eau remonte dans le filtre, agite le sable et déloge ainsi les saletés, qui montent en surface et sont évacuées par le tuyau de vidange.
The first thing to do is to vacuum the pool floor. Then follow up with a back‑wash. When you set the filter handle to the back‑wash position, the water rises in the filter and shakes up the sand, which releases dirt and debris. These will rise to the surface and be expelled through the back‑wash hose.
This should take about two minutes. The next step is to set the filter to the rinse position to expel the dirty water between the filter head and the sand. Run the pump for 30 seconds.
Next, regulate the water alkalinity to 100–120 ppm and the pH to 7.2–7.4. It’s time for a little superchlorination! The idea is to increase the total residual chlorine content for a few hours in order to break down and kill any chlorine-resistant microorganisms.
Clean all the accessories
The cleaning isn’t over yet! The filter, solar blanket, and dirt ring around the sides of the pool all need to be cleaned. Of course, be sure to use the right products for each to avoid damaging your pool equipment.
Empty the pool
Start by closing your skimmer, then stop the pump. Set the filter handle to the drain or waste position. If you don’t have a bottom drain, you’ll need to use the vacuum to drain the pool. Drain the water down to a level of 15–18 inches below the skimmer. (If you’re unsure of how much water to drain, talk to the people at your pool store, since the recommended water level for this step can vary depending on the pool.) Once you’ve drained the pool to the recommended level, shut off the pump.
Store the pump
Unplug your pump, then unhook all of the hoses, dump out the water, and clean as needed. Store your pump in a heated and dry place.
Store the filter
First step: unscrew the pressure gauge, remove the sight glass, and empty the filter tank. Hang the filter upside down for a few days to ensure the tank is completely drained. If you have a sand filter, don’t try to hang it upside down—just remove the bottom plug. If you have a cartridge filter, you’ll need to remove the cartridge, clean it, and drain it. Reassemble the filter and set it to winterize or between positions.
Winterize the bottom drain
The most important thing is to fill the bottom drain pipe with antifreeze. For optimal winterizing, insert a foam backer rod in the drain after adding the antifreeze.
Winterize the skimmer
Remove the weir, face plate cover, and basket, then fill with styrofoam.
Winterize the water return
Unscrew the ring around the water return to remove the eyeball. Screw in the winterizing plug to stop water from getting out.
Roll out the winter cover
Don’t forget to put a beach ball under the cover so that rainwater drains off to the sides. Puddles of rainwater can put too much pressure on the cover, which could damage the pool. Remember: the winter cover will need to be removed before the first heavy freeze.
Turn off the water heater
It’s best to drain the heater with a vacuum or to blow air through it. Remove the drainage plug if there is one.
Pay close attention to the water level in your pool. Precipitation (snow and rain) can raise the water level and cause damage. Drain the pool back down to 18 inches below the skimmer as necessary.
Make sure you have good drainage around the pool. Don’t break ice in the pool, as this could damage the cover. Once the pool is frozen, don’t touch it until spring, but do keep an eye on it throughout the winter. Fancy a skating rink? Don’t build it in your pool!
These tips are for your information. Winterizing your pool properly is your responsibility. When in doubt, don’t hesitate to bring in a pool maintenance and winterizing professional—damage from improper winterizing is often very expensive to repair.
2 October 2015
-
Safety and Prevention
Prevention champions at Promutuel Insurance!
Read
Reading :
2 minutes
Why champions? Because our prevention advisors are there to listen and give you advice so that you’re well protected against any risks to which you may be exposed.
What makes our prevention experts different from the rest
Our strength is in our team. We have more than 70 prevention advisors working hard to protect our clients in the field. This allows us to get closer to our clients, meet with them in person, learn their needs, and establish trust—basically, to be part of their lives!
Prevention services available to our clients
The role of prevention advisors is first and foremost to conduct preventive visits, not inspections. As part of their work, they can provide safety advice for homes, business offices, and farms. These visits can cover all aspects of a building but focus particularly on heating, plumbing, and electrical systems and anything else that could potentially cause damage.
Industry-recognized prevention expertise
Our prevention work is obviously compliant with all relevant standards, codes, and regulations. But seeing as we’re always looking to optimize the quality of our services, we also work closely with the bodies that set these standards. In so doing, we contribute to the establishment of new standards better suited to today’s environment.
How can you take advantage of this service?
In addition to being professionally trained, our advisors are always there to help you. As clients, you can contact your mutual’s Prevention Department at any time. A representative will be happy to answer your questions for free. Why wouldn’t you use this service, especially when you know it can save the day? Take one of our clients. During a preventive visit, the advisor recommended replacing the hot water tank as it was old and rusty in some areas. He told the client that, until the tank was replaced, she should check it regularly to make sure it wasn’t leaking, and to close the water inlet valve immediately if it was. After checking, the insured saw that the tank was, in fact, leaking a bit. Thankfully, she noticed before anything happened. No damage. No headache. Peace of mind truly is priceless!
2 October 2015
-
Safety and Prevention
Prevention champions at Promutuel Insurance!
Read
Reading :
2 minutes
Why champions? Because our prevention advisors are there to listen and give you advice so that you’re well protected against any risks to which you may be exposed.
What makes our prevention experts different from the rest
Our strength is in our team. We have more than 70 prevention advisors working hard to protect our clients in the field. This allows us to get closer to our clients, meet with them in person, learn their needs, and establish trust—basically, to be part of their lives!
Prevention services available to our clients
The role of prevention advisors is first and foremost to conduct preventive visits, not inspections. As part of their work, they can provide safety advice for homes, business offices, and farms. These visits can cover all aspects of a building but focus particularly on heating, plumbing, and electrical systems and anything else that could potentially cause damage.
Industry-recognized prevention expertise
Our prevention work is obviously compliant with all relevant standards, codes, and regulations. But seeing as we’re always looking to optimize the quality of our services, we also work closely with the bodies that set these standards. In so doing, we contribute to the establishment of new standards better suited to today’s environment.
How can you take advantage of this service?
In addition to being professionally trained, our advisors are always there to help you. As clients, you can contact your mutual’s Prevention Department at any time. A representative will be happy to answer your questions for free. Why wouldn’t you use this service, especially when you know it can save the day? Take one of our clients. During a preventive visit, the advisor recommended replacing the hot water tank as it was old and rusty in some areas. He told the client that, until the tank was replaced, she should check it regularly to make sure it wasn’t leaking, and to close the water inlet valve immediately if it was. After checking, the insured saw that the tank was, in fact, leaking a bit. Thankfully, she noticed before anything happened. No damage. No headache. Peace of mind truly is priceless!
16 September 2015
-
On the Road
Car insurance: Why is there no $0 deductible option?
This is a question our agents get asked regularly. If you don’t understand why a deductible is assigned a dollar value, read this explanation to find out!
Read
Reading :
3 minutes
What exactly is an insurance deductible?
A deductible is the amount you have to pay if you need to make a claim. The cost of your insurance may be influenced by the deductible you choose. Essentially, the higher your deductible, the lower your insurance premiums. However, your cost will be higher when you make a claim, so you need to assess your financial ability to pay a higher deductible if an accident occurs.
Every insurance policy has a deductible. It can range from $0 to $5,000 or more. In some cases, you may be exempted from paying a deductible. That’s right! For example, if you are in an accident in Quebec involving another identified vehicle and you are not at fault. You may also be exempted if your vehicle is damaged by fire or lightning.
Who do I pay the deductible to?
When making an insurance claim, the deductible is taken off the settlement agreed upon with your insurer. If a mechanic repairs your vehicle for $3,000 and your deductible is $500, you must pay your mechanic the $500 when picking up your vehicle. If your vehicle is a total loss and your insurer reimburses you directly, the deductible will be taken off the amount.
Total loss: 15 000 $ -
Deductible: 500 $
Compensation: 14 500 $
You insurer will pay out e 14 500 $.
Now you know—if there were no deductible, your insurance premiums would be higher.
16 September 2015
-
On the Road
Car insurance: Why is there no $0 deductible option?
This is a question our agents get asked regularly. If you don’t understand why a deductible is assigned a dollar value, read this explanation to find out!
Read
Reading :
3 minutes
What exactly is an insurance deductible?
A deductible is the amount you have to pay if you need to make a claim. The cost of your insurance may be influenced by the deductible you choose. Essentially, the higher your deductible, the lower your insurance premiums. However, your cost will be higher when you make a claim, so you need to assess your financial ability to pay a higher deductible if an accident occurs.
Every insurance policy has a deductible. It can range from $0 to $5,000 or more. In some cases, you may be exempted from paying a deductible. That’s right! For example, if you are in an accident in Quebec involving another identified vehicle and you are not at fault. You may also be exempted if your vehicle is damaged by fire or lightning.
Who do I pay the deductible to?
When making an insurance claim, the deductible is taken off the settlement agreed upon with your insurer. If a mechanic repairs your vehicle for $3,000 and your deductible is $500, you must pay your mechanic the $500 when picking up your vehicle. If your vehicle is a total loss and your insurer reimburses you directly, the deductible will be taken off the amount.
Total loss: 15 000 $ -
Deductible: 500 $
Compensation: 14 500 $
You insurer will pay out e 14 500 $.
Now you know—if there were no deductible, your insurance premiums would be higher.
8 September 2015
-
Farm News
When farmers come to town!
Read
Reading :
2 minutes
© Fermes Lufa
With initiatives like Fermes Lufa, a Montréal company that prepares customized baskets of fruit, vegetables, and local produce, and big events like Open House on Québec Farms (french only), agriculture is more familiar and within easier reach than ever before!
Opening the barn door to the public
Some are coming to town, others (more than 100!) are holding open houses in the country... On September 13, Québec farms will be in the spotlight! Open House on Québec Farms will give the public an up-close look at the hard work and enthusiasm of our local farmers. Chat with farmers and their families, discover outstanding local products, and enjoy a visit with the farm animals.
Promutuel Insurance will be onsite at some of the farms and at Parc Jean-Drapeau in Montréal. As keen supporters of agriculture in all its forms for over 160 years, we’re delighted to continue the tradition and be a part of the excitement.
Spotlight on Québec blueberries!
We’ve been welcoming the public to our booth at Jean-Drapeau Park for three years now in our search for the ultimate taste experience. This year, we will be delighting your tastebuds with a very special cocktail made with blueberries from Quebec Wild Blueberries, Inc. (french only) We can’t wait to see what you think!
Tell us what you did at the event and share your thoughts using the hashtag #évéPromutuel.
8 September 2015
-
Farm News
When farmers come to town!
Read
Reading :
2 minutes
© Fermes Lufa
With initiatives like Fermes Lufa, a Montréal company that prepares customized baskets of fruit, vegetables, and local produce, and big events like Open House on Québec Farms (french only), agriculture is more familiar and within easier reach than ever before!
Opening the barn door to the public
Some are coming to town, others (more than 100!) are holding open houses in the country... On September 13, Québec farms will be in the spotlight! Open House on Québec Farms will give the public an up-close look at the hard work and enthusiasm of our local farmers. Chat with farmers and their families, discover outstanding local products, and enjoy a visit with the farm animals.
Promutuel Insurance will be onsite at some of the farms and at Parc Jean-Drapeau in Montréal. As keen supporters of agriculture in all its forms for over 160 years, we’re delighted to continue the tradition and be a part of the excitement.
Spotlight on Québec blueberries!
We’ve been welcoming the public to our booth at Jean-Drapeau Park for three years now in our search for the ultimate taste experience. This year, we will be delighting your tastebuds with a very special cocktail made with blueberries from Quebec Wild Blueberries, Inc. (french only) We can’t wait to see what you think!
Tell us what you did at the event and share your thoughts using the hashtag #évéPromutuel.
8 September 2015
-
Tout pour l'auto
Assurance auto : que se passe-t-il quand j’utilise mon auto perso pour le travail ?
Read
Reading :
1 minute
Votre assurance auto et l’utilisation de votre auto pour le travail
Si vous n’avez pas informé votre assureur du changement d’utilisation de votre véhicule, voici ce qui se passe. Votre assurance auto couvre uniquement des risques relatifs à l’utilisation personnelle du véhicule (lieu de résidence, trajets personnels, modèle de véhicule, conducteur, etc.) En cas d’accident, si vous n’avez pas déclaré l’utilisation de votre auto à des fins professionnelles, votre assureur risque de ne pas vous indemniser ou de réduire le montant de l’indemnité.
Second point : si vous utilisez votre auto dans le cadre de votre travail (livraisons et autres), sachez que l’assureur de votre employeur ne vous indemnisera pas, car le véhicule n’est pas couvert par l’assurance de votre employeur.
Ce que vous devez faire pour être bien protégé
- Déclarer à votre représentant d’assurance la nouvelle utilisation de votre auto à des fins professionnelles.
- Votre assureur pourra décider d’assurer ou non ces nouveaux risques. Et s’il décide d’accepter, il pourrait vous imposer des limitations et vous proposer des protections supplémentaires adaptées* à vos besoins.
- Cela aura un impact sur le coût de votre prime d’assurance auto, mais vous aurez l’esprit tranquille et, en cas d’accident, vous serez protégé.
* Certaines conditions, limitations et exclusions s’appliquent.
24 August 2015
-
Safety and Prevention
Get ready for school by saving on your car and home insurance
Read
Reading :
3 minutes
Back-to-school + insurance sounds a little like pain + suffering, doesn’t it? As we all know, this time of year is all about spending. Whether you’re a parent or student footing the bill, there are school supplies to buy, an apartment to rent, a car to maintain.... It seems to never to end!
But that’s where we come in, with three or four pointers to simplify your life and help you SAVE on your insurance at the same time! We promise we’ll keep it short and sweet. Spending three minutes to save—that’s a no-brainer!
Shop around for car insurance
Comparing prices saves you money, plain and simple. You can request quotes directly from multiple insurers. Don’t forget to find out if your employer has an agreement with an insurer offering extended coverage or preferential rates.
Want to switch, but you don’t know when to terminate your current policy?
You’re allowed to terminate your policy at any time, but your insurer may impose a penalty if you do it before your renewal. Find out if you can wrap the penalty into the premium you negotiated with your new insurer Note that termination comes into effect once the insurer receives your written notice of termination.
Tips for getting discounts on your car and home insurance
Car insurance:
1-Bundle your car insurance and home insurance: This little trick can save you up to 10%!
2- New vehicle: You can get up to 10% off.
3- Student:Some insurers offer younger drivers special rates adding up to a discount of as much as 20%.
4- Antitheft: If you equip your car with antitheft protection, you may get up to 30% off your premium.
5- Good drivers : a good driving record will help you save big—sometimes as much as 35%
Home insurance :
1- Bundle: : like with car insurance, having a policy that covers more than one type of property can mean big savings.
2- Increase your deductible: Your savings will be even higher if you increase your deductible to $500.
3- Install home protection devices : Like with your car, having an alarm system connected to a monitoring centre can help slash your premium.
4- Notify your insurer of recent renovations and upgrades Keeping your home well maintained can also impact your premium.
See, we told you it would be quick! And now you’re ready to head back to school, stocked with tips and tricks on smart ways to save!
24 August 2015
-
Safety and Prevention
Get ready for school by saving on your car and home insurance
Read
Reading :
3 minutes
Back-to-school + insurance sounds a little like pain + suffering, doesn’t it? As we all know, this time of year is all about spending. Whether you’re a parent or student footing the bill, there are school supplies to buy, an apartment to rent, a car to maintain.... It seems to never to end!
But that’s where we come in, with three or four pointers to simplify your life and help you SAVE on your insurance at the same time! We promise we’ll keep it short and sweet. Spending three minutes to save—that’s a no-brainer!
Shop around for car insurance
Comparing prices saves you money, plain and simple. You can request quotes directly from multiple insurers. Don’t forget to find out if your employer has an agreement with an insurer offering extended coverage or preferential rates.
Want to switch, but you don’t know when to terminate your current policy?
You’re allowed to terminate your policy at any time, but your insurer may impose a penalty if you do it before your renewal. Find out if you can wrap the penalty into the premium you negotiated with your new insurer Note that termination comes into effect once the insurer receives your written notice of termination.
Tips for getting discounts on your car and home insurance
Car insurance:
1-Bundle your car insurance and home insurance: This little trick can save you up to 10%!
2- New vehicle: You can get up to 10% off.
3- Student:Some insurers offer younger drivers special rates adding up to a discount of as much as 20%.
4- Antitheft: If you equip your car with antitheft protection, you may get up to 30% off your premium.
5- Good drivers : a good driving record will help you save big—sometimes as much as 35%
Home insurance :
1- Bundle: : like with car insurance, having a policy that covers more than one type of property can mean big savings.
2- Increase your deductible: Your savings will be even higher if you increase your deductible to $500.
3- Install home protection devices : Like with your car, having an alarm system connected to a monitoring centre can help slash your premium.
4- Notify your insurer of recent renovations and upgrades Keeping your home well maintained can also impact your premium.
See, we told you it would be quick! And now you’re ready to head back to school, stocked with tips and tricks on smart ways to save!
3 August 2015
-
At Home
Summer Holiday Special Feature: Enjoy your pool safely
Is there anything better than lounging poolside, or next to the hot tub, on a beautiful summer day?
Read
Reading :
4 minutes
Is there anything better than lounging poolside, or next to the hot tub, on a beautiful summer day? To truly rest easy knowing that your loved ones are safe, take a moment to read these handy tips.
Children’s safety
Children’s safety is serious business when you have a pool. Make no mistake: the risk of drowning is real. That’s why following all applicable regulations, and the safety tips below, is a must :
Restrict pool access
In-ground swimming pools need to be fully fenced-in. A clearance of 1.8 m (6 ft.) is required between the edge of the pool and the fence to allow people to walk. Remember that where pools are concerned a hedge—no matter how dense—can’t be considered a fence. If you have an above-ground pool, the ladder must be removed every time you finish bathing, and stored out of sight and reach of children. Some retractable swimming pool ladders include a safety feature enabling you to lock them and restrict access when the pool is not in use.
Store chemicals for pool upkeep in a safe place outside the house.
The storage area must be dry and well-ventilated, and should be kept locked. Certain chemicals must never be stored side-by-side, to avoid potentially dangerous chemical reactions.
Keep appropriate life-saving equipment on hand
And make sure your equipment is in good working order. We recommend child-sized life-jackets as well as other standard equipment (e.g., a life buoy).Remember that no equipment can take the place of careful supervision: always keep a close eye on all children using the pool.
Home insurance or pool insurance?
Fact: Your pool is not automatically covered by your home insurance. For most insurers, hot tubs aren’t either.
Adding an endorsement to your home insurance contract will ensure you are adequately covered.
Your patio and any platforms attached to your pool or hot tub (but not affixed to your house) are also covered by the endorsement.
We recommend you also take out additional civil liability insurance to protect you in the event of a law suit.
Finally, don’t forget to inform your insurer that you have a pool or hot tub when you get a home insurance quote. Your insurance agent will tell you all about what the endorsement includes and other terms and conditions. And while you’re at it, why not find out about coverage for your equipment and the value assigned to your pool setup.
Have a great summer and enjoy the swimming!
3 August 2015
-
At Home
Summer Holiday Special Feature: Enjoy your pool safely
Is there anything better than lounging poolside, or next to the hot tub, on a beautiful summer day?
Read
Reading :
4 minutes
Is there anything better than lounging poolside, or next to the hot tub, on a beautiful summer day? To truly rest easy knowing that your loved ones are safe, take a moment to read these handy tips.
Children’s safety
Children’s safety is serious business when you have a pool. Make no mistake: the risk of drowning is real. That’s why following all applicable regulations, and the safety tips below, is a must :
Restrict pool access
In-ground swimming pools need to be fully fenced-in. A clearance of 1.8 m (6 ft.) is required between the edge of the pool and the fence to allow people to walk. Remember that where pools are concerned a hedge—no matter how dense—can’t be considered a fence. If you have an above-ground pool, the ladder must be removed every time you finish bathing, and stored out of sight and reach of children. Some retractable swimming pool ladders include a safety feature enabling you to lock them and restrict access when the pool is not in use.
Store chemicals for pool upkeep in a safe place outside the house.
The storage area must be dry and well-ventilated, and should be kept locked. Certain chemicals must never be stored side-by-side, to avoid potentially dangerous chemical reactions.
Keep appropriate life-saving equipment on hand
And make sure your equipment is in good working order. We recommend child-sized life-jackets as well as other standard equipment (e.g., a life buoy).Remember that no equipment can take the place of careful supervision: always keep a close eye on all children using the pool.
Home insurance or pool insurance?
Fact: Your pool is not automatically covered by your home insurance. For most insurers, hot tubs aren’t either.
Adding an endorsement to your home insurance contract will ensure you are adequately covered.
Your patio and any platforms attached to your pool or hot tub (but not affixed to your house) are also covered by the endorsement.
We recommend you also take out additional civil liability insurance to protect you in the event of a law suit.
Finally, don’t forget to inform your insurer that you have a pool or hot tub when you get a home insurance quote. Your insurance agent will tell you all about what the endorsement includes and other terms and conditions. And while you’re at it, why not find out about coverage for your equipment and the value assigned to your pool setup.
Have a great summer and enjoy the swimming!
3 August 2015
-
At Home
7 Moving tips
Read
Reading :
5 minutes
Moving at the end of the month? Keep this article handy. It’ll help you successfully transition to your new home insurance situation.
Before following each of the seven steps below, notify your insurer that you’re moving.
1 - Call your insurer to describe your new home
Here are the factors that may affect your new home insurance premium:
The size of your new home—is it bigger or smaller?
Whether your new home is in a city
Type of heating
Distance from the nearest fire station
2 - Re-evaluate how much insurance you need
A new home means a new situation and a new environment. Whether you’re moving into a smaller or larger home, you may have new property to insure. So take the opportunity to check whether you have the right amount of insurance for your new situation. Remember to declare any new property or equipment, such as a pool for example.
3 - Add your spouse’s name to your new insurance policy
4 – Update the list of your property
Before packing everything up, use your smartphone to take pictures of your property and equipment. This will speed up the process in the event of a loss.
5 - Insure your stored property
Your home insurance (in effect when you move) will protect property you stored at your old or new home against theft and vandalism. However, this coverage does not apply to property stored temporarily at a public storage facility. Once again, feel free to contact your damage insurance agent for more information.
6- Check your moving company’s insurance
This is very important because in the event of damage or a loss, your reimbursement will be handled by your moving company’s insurer.
7 - Check if your insurance covers a rented moving van
For example, you could add Endorsement QEF 27 to your current auto insurance policy. It covers any damage to a rented vehicle.
Final tips
Your home insurance covers your property while you move (for a period of 30 days), BUT:
Your home insurance policy must still be in effect when you move
Coverage depends on the type of policy you have, i.e., comprehensive or named perils
We wish you a great move and every happiness in your new home!
3 August 2015
-
At Home
7 Moving tips
Read
Reading :
5 minutes
Moving at the end of the month? Keep this article handy. It’ll help you successfully transition to your new home insurance situation.
Before following each of the seven steps below, notify your insurer that you’re moving.
1 - Call your insurer to describe your new home
Here are the factors that may affect your new home insurance premium:
The size of your new home—is it bigger or smaller?
Whether your new home is in a city
Type of heating
Distance from the nearest fire station
2 - Re-evaluate how much insurance you need
A new home means a new situation and a new environment. Whether you’re moving into a smaller or larger home, you may have new property to insure. So take the opportunity to check whether you have the right amount of insurance for your new situation. Remember to declare any new property or equipment, such as a pool for example.
3 - Add your spouse’s name to your new insurance policy
4 – Update the list of your property
Before packing everything up, use your smartphone to take pictures of your property and equipment. This will speed up the process in the event of a loss.
5 - Insure your stored property
Your home insurance (in effect when you move) will protect property you stored at your old or new home against theft and vandalism. However, this coverage does not apply to property stored temporarily at a public storage facility. Once again, feel free to contact your damage insurance agent for more information.
6- Check your moving company’s insurance
This is very important because in the event of damage or a loss, your reimbursement will be handled by your moving company’s insurer.
7 - Check if your insurance covers a rented moving van
For example, you could add Endorsement QEF 27 to your current auto insurance policy. It covers any damage to a rented vehicle.
Final tips
Your home insurance covers your property while you move (for a period of 30 days), BUT:
Your home insurance policy must still be in effect when you move
Coverage depends on the type of policy you have, i.e., comprehensive or named perils
We wish you a great move and every happiness in your new home!
30 July 2015
-
Family
Lower your energy bill by playing a video game!
Read
Reading :
2 minutes
Households can use a lot of energy, as our bills frequently remind us. But what if a video game could teach you to save energy—and money—in real life? Enter Power House.
A game that keeps your energy-guzzling home in check
Created by U.S. researcher Byron Reeves at Stanford University, Power House uses gamification to help people learn good energy-saving habits for the home.
The idea is simple—the game simulates a family performing daily household tasks. Whether it’s using the dishwasher or washing machine, cooking, or taking a shower, almost all the activities in Power House require energy. To earn points, players must make decisions that maximize their energy savings and limit their eco-footprint.
A game with a real-life connection
What makes Power House so compelling? It lets you combine the virtual with the real by linking data from your electricity meter to the game. Saving energy in real life each day earns you more points in the game through achievement badges.
Still in the beta phase, Power House has yet to gain widespread popularity. But the game stands out for its useful advice and the green practices it advocates—a big plus for anyone wanting to make their house more eco-friendly! Ready to give it a try? Learn more:
Website:http://powerhouse.stanford.edu/?q=welcome
Facebook:https://apps.facebook.com/freeenergygame/
30 July 2015
-
Family
Lower your energy bill by playing a video game!
Read
Reading :
2 minutes
Households can use a lot of energy, as our bills frequently remind us. But what if a video game could teach you to save energy—and money—in real life? Enter Power House.
A game that keeps your energy-guzzling home in check
Created by U.S. researcher Byron Reeves at Stanford University, Power House uses gamification to help people learn good energy-saving habits for the home.
The idea is simple—the game simulates a family performing daily household tasks. Whether it’s using the dishwasher or washing machine, cooking, or taking a shower, almost all the activities in Power House require energy. To earn points, players must make decisions that maximize their energy savings and limit their eco-footprint.
A game with a real-life connection
What makes Power House so compelling? It lets you combine the virtual with the real by linking data from your electricity meter to the game. Saving energy in real life each day earns you more points in the game through achievement badges.
Still in the beta phase, Power House has yet to gain widespread popularity. But the game stands out for its useful advice and the green practices it advocates—a big plus for anyone wanting to make their house more eco-friendly! Ready to give it a try? Learn more:
Website:http://powerhouse.stanford.edu/?q=welcome
Facebook:https://apps.facebook.com/freeenergygame/
29 July 2015
-
Things We Love
Prepare to get your groove on at Festival Promutuel de la relève!
Read
Reading :
2 minutes
The Thetford Mines Festival Promutuel de la relève is the one festival with something for everyone, no matter what their age or taste in music.
This year’s festival–the 22nd edition–runs August 20 to 22, 2015. What does this have to do with us, you ask? Well, for starters, Promutuel Insurance is one of the main sponsors. Our name is even in the title: Festival Promutuel de la relève. And because it’s such an honour for us to support this event year after year. We're thrilled to contribute to the flurry of music and culture in the region!
2015: A bumper crop
This year’s Festival features some thirty concerts on three different stages right in the heart of downtown. There are plenty of sure bets, including great headliners and three alumni from The Voice who will play to adoring fans. But the Festival is also just the place to discover local, up-and-coming talent. Even young “stars” (age 12 to 17) will get a moment in the limelight.
Choose your style
Country: Country: Rich Blend, Shania Twain, Fresh Horses (Tribute to Garth Brooks), and The Porters (Tribute to Johnny Cash)
Rock and metal: MUSE, Offspring, Nickelback, and Ramstein
Pop : Les BB seront en spectacle pour souligner leurs 25 ans ainsi que Dominique Fils-Aimé, Liana Bureau et GAYA.
Blues: Jimmy James, Whisky Legs, and Carl Tremblay
And the cherry on top…
Meet the artists and craftspeople selling their fabulous wares along “Chemin des artisans.”
o Keep the little ones happy with concerts for young audiences, workshops for budding magicians, and an inflatable playground.
o And don’t forget the djembe jam for all on the main street!
Gagnez une fin de semaine de rêve au Festival Promutuel de la relève de Thetford Mines
Win a great weekend getaway at the Thetford Mines Festival Promutuel de la relève. Visit our page Facebook to enter to win a night at Manoir du lac William, including dinner, a massage, and a festival-long pass to the VIP tent!
29 July 2015
-
Things We Love
Prepare to get your groove on at Festival Promutuel de la relève!
Read
Reading :
2 minutes
The Thetford Mines Festival Promutuel de la relève is the one festival with something for everyone, no matter what their age or taste in music.
This year’s festival–the 22nd edition–runs August 20 to 22, 2015. What does this have to do with us, you ask? Well, for starters, Promutuel Insurance is one of the main sponsors. Our name is even in the title: Festival Promutuel de la relève. And because it’s such an honour for us to support this event year after year. We're thrilled to contribute to the flurry of music and culture in the region!
2015: A bumper crop
This year’s Festival features some thirty concerts on three different stages right in the heart of downtown. There are plenty of sure bets, including great headliners and three alumni from The Voice who will play to adoring fans. But the Festival is also just the place to discover local, up-and-coming talent. Even young “stars” (age 12 to 17) will get a moment in the limelight.
Choose your style
Country: Country: Rich Blend, Shania Twain, Fresh Horses (Tribute to Garth Brooks), and The Porters (Tribute to Johnny Cash)
Rock and metal: MUSE, Offspring, Nickelback, and Ramstein
Pop : Les BB seront en spectacle pour souligner leurs 25 ans ainsi que Dominique Fils-Aimé, Liana Bureau et GAYA.
Blues: Jimmy James, Whisky Legs, and Carl Tremblay
And the cherry on top…
Meet the artists and craftspeople selling their fabulous wares along “Chemin des artisans.”
o Keep the little ones happy with concerts for young audiences, workshops for budding magicians, and an inflatable playground.
o And don’t forget the djembe jam for all on the main street!
Gagnez une fin de semaine de rêve au Festival Promutuel de la relève de Thetford Mines
Win a great weekend getaway at the Thetford Mines Festival Promutuel de la relève. Visit our page Facebook to enter to win a night at Manoir du lac William, including dinner, a massage, and a festival-long pass to the VIP tent!
28 July 2015
-
Free Time
Summer is here! Take time out for yourself.
Read
Reading :
3 minutes
In this article, we won’t be talking about improving your posture to prevent joint pain or the like. Instead we’ll look at things that can bring us a little joy and help us live each day to the fullest.
Little things to add to your daily routine
- At night before going to bed, identify at least one highlight from your day.
- During the day, take 10 minutes to muse on something that motives you (your next weekend, a motorcycle ride, etc.).
- Take time to call someone important to you.
What to do when the going gets rough
Have confidence in yourself
Determine your strengths and weaknesses, accept them, and do your best with what you have. Accept compliments from the people around you.
Set aside time for family and friends
It’s important to nurture your relationships by sharing your joys and hardships.
Draw up a sensible budget
Financial problems are a source of stress. We often spend on things we want instead of things we really need. Fill your life with human connections, not things. And if you’re more technically inclined, fill up on inspiration and beauty, for example on Pinterest. Choose photos you like and share them with other users. Take time to read, garden, and—why not?—paint, cook, and create all sorts of things, which will develop your ability to reinvent yourself and give you time and space just for you. It’s a virtually free form of self-enrichment that reconnects you to what’s real.
Volunteer
Taking part in community activities often gives us a specific life goal and provides a sense of satisfaction that paid work cannot. For some of us, volunteering is an opportunity to experience areas that are not available to us in our daily lives or current job. These can include sports, art, religion, cooking, or humanitarian pursuits—the list is long.
Manage stress
We need to learn to overcome stressors in order to maintain our mental health. And there are lots of ways to do this! We won’t list them all, but here are a couple of tips:
- Breathing:
Close your eyes and take a deep breath in, then hold it
Tighten all the muscles in your body as much as you can, focusing all your attention on the effort
Let go, exhaling as deeply as you can while shaking out the arms and legs, like runners do after a race.
-Laughing: Choose a comedian you love and watch your favourite sketches. Or, if you’re so inclined, some people can’t help laughing at funny cat or dog videos !
Look to others for support
Confiding in someone who has had similar experiences can help you find a solution and feel less isolated
Be at peace with yourself
Get to know yourself and what really makes you happy, and find a balance between what you can change about yourself and what you can’t.
Have a wonderful summer!
28 July 2015
-
Free Time
Summer is here! Take time out for yourself.
Read
Reading :
3 minutes
In this article, we won’t be talking about improving your posture to prevent joint pain or the like. Instead we’ll look at things that can bring us a little joy and help us live each day to the fullest.
Little things to add to your daily routine
- At night before going to bed, identify at least one highlight from your day.
- During the day, take 10 minutes to muse on something that motives you (your next weekend, a motorcycle ride, etc.).
- Take time to call someone important to you.
What to do when the going gets rough
Have confidence in yourself
Determine your strengths and weaknesses, accept them, and do your best with what you have. Accept compliments from the people around you.
Set aside time for family and friends
It’s important to nurture your relationships by sharing your joys and hardships.
Draw up a sensible budget
Financial problems are a source of stress. We often spend on things we want instead of things we really need. Fill your life with human connections, not things. And if you’re more technically inclined, fill up on inspiration and beauty, for example on Pinterest. Choose photos you like and share them with other users. Take time to read, garden, and—why not?—paint, cook, and create all sorts of things, which will develop your ability to reinvent yourself and give you time and space just for you. It’s a virtually free form of self-enrichment that reconnects you to what’s real.
Volunteer
Taking part in community activities often gives us a specific life goal and provides a sense of satisfaction that paid work cannot. For some of us, volunteering is an opportunity to experience areas that are not available to us in our daily lives or current job. These can include sports, art, religion, cooking, or humanitarian pursuits—the list is long.
Manage stress
We need to learn to overcome stressors in order to maintain our mental health. And there are lots of ways to do this! We won’t list them all, but here are a couple of tips:
- Breathing:
Close your eyes and take a deep breath in, then hold it
Tighten all the muscles in your body as much as you can, focusing all your attention on the effort
Let go, exhaling as deeply as you can while shaking out the arms and legs, like runners do after a race.
-Laughing: Choose a comedian you love and watch your favourite sketches. Or, if you’re so inclined, some people can’t help laughing at funny cat or dog videos !
Look to others for support
Confiding in someone who has had similar experiences can help you find a solution and feel less isolated
Be at peace with yourself
Get to know yourself and what really makes you happy, and find a balance between what you can change about yourself and what you can’t.
Have a wonderful summer!
22 July 2015
-
At Home
6 Tips to protect your home from burglary
Read
Reading :
2 minutes
1/ Your neighbours are your best allies
While you’re away, the best solution is to ask one of your neighbours to keep an eye on your house, report anyone lurking around it, pick up your mail, water the plants, mow the lawn, feet the cat, and so on. Tell them they can help themselves to the vegetable garden or park their car in front of your house.
2/ Take care of your mail
Mail piling up in your mailbox is a dead giveaway that you're not home. For important mail, ask Postes Canada directly to hold your mail. We’d also recommend you suspend your newspaper and magazine subscriptions while you’re away. And don’t forget to post a ‘no junk mail’ sign on your mailbox.
3/ Leave a light on
Get a timer to turn on lights in your home. It’s best to program the timer randomly to make it seem like someone is at home. You can do this with interior and exterior lights.
4/ Mark your valuables
It’s a good idea, even if it takes a little extra effort. You can have your valuables engraved and deter potential burglars by putting a clearly visible sticker in the window of your home. Burglars have no interest in engraved objects, because they’re hard to resell. Talk to your local police or Sûreté du Québec for more information.
5/ Consider installing an alarm system
It’s a good way to deter burglars. Plus, it could lower your home insurance premium.
6/ Make a list of your property
It’s a good idea to make a list of your possessions and their values. You can also attach a photo or video for more details. Keep a copy of the list outside your home for more security.
Don’t:
Share your vacation dates on social media
Let your voicemail fill up
Leave valuable objects out in plain sight
Put a key to your house under a flower pot or doormat
Have a great vacation far away from your well-protected home!
22 July 2015
-
At Home
6 Tips to protect your home from burglary
Read
Reading :
2 minutes
1/ Your neighbours are your best allies
While you’re away, the best solution is to ask one of your neighbours to keep an eye on your house, report anyone lurking around it, pick up your mail, water the plants, mow the lawn, feet the cat, and so on. Tell them they can help themselves to the vegetable garden or park their car in front of your house.
2/ Take care of your mail
Mail piling up in your mailbox is a dead giveaway that you're not home. For important mail, ask Postes Canada directly to hold your mail. We’d also recommend you suspend your newspaper and magazine subscriptions while you’re away. And don’t forget to post a ‘no junk mail’ sign on your mailbox.
3/ Leave a light on
Get a timer to turn on lights in your home. It’s best to program the timer randomly to make it seem like someone is at home. You can do this with interior and exterior lights.
4/ Mark your valuables
It’s a good idea, even if it takes a little extra effort. You can have your valuables engraved and deter potential burglars by putting a clearly visible sticker in the window of your home. Burglars have no interest in engraved objects, because they’re hard to resell. Talk to your local police or Sûreté du Québec for more information.
5/ Consider installing an alarm system
It’s a good way to deter burglars. Plus, it could lower your home insurance premium.
6/ Make a list of your property
It’s a good idea to make a list of your possessions and their values. You can also attach a photo or video for more details. Keep a copy of the list outside your home for more security.
Don’t:
Share your vacation dates on social media
Let your voicemail fill up
Leave valuable objects out in plain sight
Put a key to your house under a flower pot or doormat
Have a great vacation far away from your well-protected home!
23 June 2015
-
Things We Love
Kitesurfing competitions
Kitesurfing competitions begin in spring, and I had a wonderful time in Mexico.
Reading :
5 minutes
April in Mexico: Fun in the Sun!
Kitesurfing competitions begin in spring, and I had a wonderful time in Mexico taking part in the Mexico Gold Cup, an international kitefoil racing tour event. And guess what? I finished third! I’m thrilled with the ranking, especially since the race was close, and the competition fierce!
The international kitefoil racing tour has only been around since 2014, but the level of competition is increasing very fast.
Imagine a dream tour with four spectacular destinations:
- Mexico
- Italy
- USA (San Francisco)
- Australia
I also plan to compete in the Italy event (being held now) and in San Francisco.
The Mexico competition was held in the town of La Ventana, which means “window” in Spanish. And believe me, the name is quite fitting, since there is a wind window (area where the kite can be flown) on the Gulf of California. Every day, from November to April, the wind starts blowing at 11 a.m. and doesn’t let up until 6 p.m. It’s strong and as regular as clockwork!
Mexico Gold Cup: A human adventure!
Big-hearted athletes
All the athletes put their heart into the competition, since they’re dedicated to developing the sport. There was so much sharing, support, and discussion, especially about how to improve as an athlete. I felt so lucky to be part of this passionate group of trailblazers and trendsetters.
My little Mexican “family”
Throughout the competition, Gabor, Tundi, and Olivia (my “sister”) were a very supportive host family.
I love sharing my experience with you! Follow me daily on Facebook at https://www.facebook.com/pages/Catherine-Dufour/262020093840883?fref=ts and on Twitter at https://twitter.com/catherinedufour
23 June 2015
-
Things We Love
Kitesurfing competitions
Kitesurfing competitions begin in spring, and I had a wonderful time in Mexico.
Reading :
5 minutes
April in Mexico: Fun in the Sun!
Kitesurfing competitions begin in spring, and I had a wonderful time in Mexico taking part in the Mexico Gold Cup, an international kitefoil racing tour event. And guess what? I finished third! I’m thrilled with the ranking, especially since the race was close, and the competition fierce!
The international kitefoil racing tour has only been around since 2014, but the level of competition is increasing very fast.
Imagine a dream tour with four spectacular destinations:
- Mexico
- Italy
- USA (San Francisco)
- Australia
I also plan to compete in the Italy event (being held now) and in San Francisco.
The Mexico competition was held in the town of La Ventana, which means “window” in Spanish. And believe me, the name is quite fitting, since there is a wind window (area where the kite can be flown) on the Gulf of California. Every day, from November to April, the wind starts blowing at 11 a.m. and doesn’t let up until 6 p.m. It’s strong and as regular as clockwork!
Mexico Gold Cup: A human adventure!
Big-hearted athletes
All the athletes put their heart into the competition, since they’re dedicated to developing the sport. There was so much sharing, support, and discussion, especially about how to improve as an athlete. I felt so lucky to be part of this passionate group of trailblazers and trendsetters.
My little Mexican “family”
Throughout the competition, Gabor, Tundi, and Olivia (my “sister”) were a very supportive host family.
I love sharing my experience with you! Follow me daily on Facebook at https://www.facebook.com/pages/Catherine-Dufour/262020093840883?fref=ts and on Twitter at https://twitter.com/catherinedufour
17 June 2015
-
Things We Love
Omnium du Québec Promutuel Insurance Tournament
Read
Reading :
1 minute
Three good reasons to support the Omnium du Québec
1 – It’s in Quebec City!
The Omnium du Québec Promutuel Insurance Tournament is a terrific showcase for the Quebec City area. And as you know, we’re proud to support projects that contribute to local economic development.
2- It’s an international tournament!
The Omnium du Québec draws professional and amateur golfers from Canada, the United States, and around the world!
3 – It’s a historic tournament!
Created in 1909, it’s the second-oldest tournament in Canada, although it was on hiatus for a few years. Its resurrection in 2014 was actually prompted by Promutuel Insurance!
Enjoy the thrill of golf, on us
Enter for a chance to win VIP passes, a foursome round of golf with a pro in the July 15, 2015 Pro-Am, and $250 in cash. The contest is happening now on our Facebook page:
https://www.facebook.com/PromutuelAssurance
Hope to see you on the greens!
17 June 2015
-
Things We Love
Omnium du Québec Promutuel Insurance Tournament
Read
Reading :
1 minute
Three good reasons to support the Omnium du Québec
1 – It’s in Quebec City!
The Omnium du Québec Promutuel Insurance Tournament is a terrific showcase for the Quebec City area. And as you know, we’re proud to support projects that contribute to local economic development.
2- It’s an international tournament!
The Omnium du Québec draws professional and amateur golfers from Canada, the United States, and around the world!
3 – It’s a historic tournament!
Created in 1909, it’s the second-oldest tournament in Canada, although it was on hiatus for a few years. Its resurrection in 2014 was actually prompted by Promutuel Insurance!
Enjoy the thrill of golf, on us
Enter for a chance to win VIP passes, a foursome round of golf with a pro in the July 15, 2015 Pro-Am, and $250 in cash. The contest is happening now on our Facebook page:
https://www.facebook.com/PromutuelAssurance
Hope to see you on the greens!
1 June 2015
-
Things We Love
Grand défi Pierre Lavoie: Count us in!
Our brave athletes will take part in the 1,000 km bike tour—the final GDPL challenge. Day and night, from June 11 to 14, five outstanding cyclists will take turns biking from Saguenay−Lac-Saint-Jean all the way to Montréal.
Reading :
2 minutes
Why are we taking part in the Grand défi Pierre Lavoie (GDPL)?
For so many reasons! Here are the first and foremost:
To be role models for our kids and encourage them to have healthy lifestyles
For the physical challenge
To be the best that we can be
How are we taking part?
Our brave athletes will take part in the 1,000 km bike tour—the final GDPL challenge. Day and night, from June 11 to 14, five outstanding cyclists will take turns biking from Saguenay−Lac-Saint-Jean all the way to Montréal.
Our Promutuel Insurance GDPL heroes
Our team is made up of five members of senior management:
Martin Bergeron, Acting General Manager, Promutuel Insurance Vaudreuil-Soulanges
Luc Grégoire, General Manager, Promutuel Insurance Deux-Montagnes
Jonathan Pollender, Vice-President, Marketing and Business Development, Groupe Promutuel
Pierre Raymond, General Manager, Promutuel Insurance du Littoral and Promutuel Insurance du Lac au Fjord
Pascal Tessier-Fleury, Vice-President, Finance, Groupe Promutuel
François Chartier, general manager of Promutuel Insurance L’Outaouais, will be joining the team to drive the recreational vehicle that will house the riders during the four days!
Our commitment to the younger generation
The 1,000 km challenge has given Promutuel Insurance the chance to sponsor an elementary school. Laurier Station’s École de la Source was randomly selected in a draw from among all the candidates submitted by our mutual insurance associations. At the end of the challenge, the Promutuel Insurance team will have inspired the kids to earn energy cubes, and will donate all the funds raised to the school to finance a healthy lifestyle project!
(Photos of the kids with Martin Bergeron and Pascal Tessier-Fleury)
Two happy Promutuel Insurance team members visited the children from École de la Source to explain the importance of a healthy lifestyle and encourage them to earn energy cubes (1 energy cube = 15 minutes of physical activity). This “Healthy Lifestyle” visit ended on a practical note, with everyone playing aki!
Your contribution to the success of the project
Help us help École de la Source to finance its project. Donate online:
https://www.legdpl.com/le-1000-km/don-a-une-equipe
The more money we raise, the greater the impact on the 315 students of École de la Source!
Follow us and encourage our team on our Facebook page:
https://www.facebook.com/PromutuelAssurance
1 June 2015
-
Things We Love
Grand défi Pierre Lavoie: Count us in!
Our brave athletes will take part in the 1,000 km bike tour—the final GDPL challenge. Day and night, from June 11 to 14, five outstanding cyclists will take turns biking from Saguenay−Lac-Saint-Jean all the way to Montréal.
Reading :
2 minutes
Why are we taking part in the Grand défi Pierre Lavoie (GDPL)?
For so many reasons! Here are the first and foremost:
To be role models for our kids and encourage them to have healthy lifestyles
For the physical challenge
To be the best that we can be
How are we taking part?
Our brave athletes will take part in the 1,000 km bike tour—the final GDPL challenge. Day and night, from June 11 to 14, five outstanding cyclists will take turns biking from Saguenay−Lac-Saint-Jean all the way to Montréal.
Our Promutuel Insurance GDPL heroes
Our team is made up of five members of senior management:
Martin Bergeron, Acting General Manager, Promutuel Insurance Vaudreuil-Soulanges
Luc Grégoire, General Manager, Promutuel Insurance Deux-Montagnes
Jonathan Pollender, Vice-President, Marketing and Business Development, Groupe Promutuel
Pierre Raymond, General Manager, Promutuel Insurance du Littoral and Promutuel Insurance du Lac au Fjord
Pascal Tessier-Fleury, Vice-President, Finance, Groupe Promutuel
François Chartier, general manager of Promutuel Insurance L’Outaouais, will be joining the team to drive the recreational vehicle that will house the riders during the four days!
Our commitment to the younger generation
The 1,000 km challenge has given Promutuel Insurance the chance to sponsor an elementary school. Laurier Station’s École de la Source was randomly selected in a draw from among all the candidates submitted by our mutual insurance associations. At the end of the challenge, the Promutuel Insurance team will have inspired the kids to earn energy cubes, and will donate all the funds raised to the school to finance a healthy lifestyle project!
(Photos of the kids with Martin Bergeron and Pascal Tessier-Fleury)
Two happy Promutuel Insurance team members visited the children from École de la Source to explain the importance of a healthy lifestyle and encourage them to earn energy cubes (1 energy cube = 15 minutes of physical activity). This “Healthy Lifestyle” visit ended on a practical note, with everyone playing aki!
Your contribution to the success of the project
Help us help École de la Source to finance its project. Donate online:
https://www.legdpl.com/le-1000-km/don-a-une-equipe
The more money we raise, the greater the impact on the 315 students of École de la Source!
Follow us and encourage our team on our Facebook page:
https://www.facebook.com/PromutuelAssurance
27 May 2015
-
At Home
Home insurance: comprehensive or named risk?
Customers often ask us if they should take out “comprehensive” or “named risk” insurance. They also ask about the differences between the two, and want to know how their choice will affect the price.
Read
Reading :
2 minutes
Customers often ask us if they should take out “comprehensive” or “named risk” insurance. They also ask about the differences between the two, and want to know how their choice will affect the price.
Comprehensive vs named risk
It’s really quite simple—comprehensive insurance covers your insured possessions against every type of damage except as specifically excluded by the contract.
Inversely, named risk insurance covers only the types of damages named in the contract.
In short:
Comprehensive insurance = lots of coverage
Named risk insurance = more limited coverage
What’s best for my home?
To be sure you’re making the right decision, start by taking stock of your possessions. From there, you’ll be able to determine which type of insurance is best for you. If your home is full of valuable things, you’ll be better off with comprehensive insurance. You can even add specific riders, like a clause that covers water damage. If on the other hand you’re a student and are renting an apartment, a named risk policy will save you money and likely be better suited to your needs.*
Comprehensive, named risk… Which one costs more?
A policy that offers more coverage costs more, so comprehensive insurance is always more expensive, but also gives you more protection. It all comes down to the value of your possessions.
*This advice is for information purposes only. Each situation is different and can require specific or complementary coverage.
27 May 2015
-
At Home
Home insurance: comprehensive or named risk?
Customers often ask us if they should take out “comprehensive” or “named risk” insurance. They also ask about the differences between the two, and want to know how their choice will affect the price.
Read
Reading :
2 minutes
Customers often ask us if they should take out “comprehensive” or “named risk” insurance. They also ask about the differences between the two, and want to know how their choice will affect the price.
Comprehensive vs named risk
It’s really quite simple—comprehensive insurance covers your insured possessions against every type of damage except as specifically excluded by the contract.
Inversely, named risk insurance covers only the types of damages named in the contract.
In short:
Comprehensive insurance = lots of coverage
Named risk insurance = more limited coverage
What’s best for my home?
To be sure you’re making the right decision, start by taking stock of your possessions. From there, you’ll be able to determine which type of insurance is best for you. If your home is full of valuable things, you’ll be better off with comprehensive insurance. You can even add specific riders, like a clause that covers water damage. If on the other hand you’re a student and are renting an apartment, a named risk policy will save you money and likely be better suited to your needs.*
Comprehensive, named risk… Which one costs more?
A policy that offers more coverage costs more, so comprehensive insurance is always more expensive, but also gives you more protection. It all comes down to the value of your possessions.
*This advice is for information purposes only. Each situation is different and can require specific or complementary coverage.
21 May 2015
-
Employment
Being happy in the insurance workplace
Read
Reading :
4 minutes
Feeling good in your own skin ensures greater overall happiness, but also happiness at work. People who work for insurance companies usually have sedentary jobs, and sedentariness affects health.
Numbers that kill!
People who sit for more than six hours a day at work have a 20% greater mortality rate than those who spend fewer than three working hours in a chair (source: American Cancer Society)! And the damage is irreversible. Even if you play a lot of sports or follow a special diet, they won’t make a difference: the day’s damage cannot be erased. But there’s no need to panic! You can limit the problem by being more active during your work day.
How can I get in better shape at the office?
Here’s some advice from Isabelle Tremblay, our workplace well-being specialist at Promutuel Insurance:
Get up and go speak to your colleagues directly
Take regular breaks, for instance, take a five-minute break every hour, walk around, and stretch
Organize standing or even walking meeting
Get out of your chair: meetings will be quicker and more efficient because you can’t stand for two hours!
Next, here are some short exercises to correct poor posture that are easy to do at the office. Go on, get up and get moving:
At Promutuel Insurance Monts et Rives, each employee has an adjustable sit-stand workstation so they can adjust their position throughout the day.
Some businesses have gone a step further and offer employees ways to exercise while they work. For example, Cubii offers elliptical trainers that can be placed under desks.
At Promutuel Insurance Monts et Rives, each employee has an adjustable sit-stand workstation so they can adjust their position throughout the day.
21 May 2015
-
Employment
Being happy in the insurance workplace
Read
Reading :
4 minutes
Feeling good in your own skin ensures greater overall happiness, but also happiness at work. People who work for insurance companies usually have sedentary jobs, and sedentariness affects health.
Numbers that kill!
People who sit for more than six hours a day at work have a 20% greater mortality rate than those who spend fewer than three working hours in a chair (source: American Cancer Society)! And the damage is irreversible. Even if you play a lot of sports or follow a special diet, they won’t make a difference: the day’s damage cannot be erased. But there’s no need to panic! You can limit the problem by being more active during your work day.
How can I get in better shape at the office?
Here’s some advice from Isabelle Tremblay, our workplace well-being specialist at Promutuel Insurance:
Get up and go speak to your colleagues directly
Take regular breaks, for instance, take a five-minute break every hour, walk around, and stretch
Organize standing or even walking meeting
Get out of your chair: meetings will be quicker and more efficient because you can’t stand for two hours!
Next, here are some short exercises to correct poor posture that are easy to do at the office. Go on, get up and get moving:
At Promutuel Insurance Monts et Rives, each employee has an adjustable sit-stand workstation so they can adjust their position throughout the day.
Some businesses have gone a step further and offer employees ways to exercise while they work. For example, Cubii offers elliptical trainers that can be placed under desks.
At Promutuel Insurance Monts et Rives, each employee has an adjustable sit-stand workstation so they can adjust their position throughout the day.
27 April 2015
-
On the Road
Auto insurance: Why does your insurance company ask so many questions?
Many of you regularly ask us the same question: Why are you collecting so much personal information about me when all I’m asking is how much my auto insurance will cost?
Read
Reading :
1 minute
The answer is simple: We can give you the best price, based on your situation, only by assessing the risks we are taking in insuring you. Most Quebec damage insurers will ask you the same types of questions.
What information determines your auto insurance premium?
Vehicle make and model. Your chances of getting a better price are greater with a brand new model than with an older one or a badly maintained vehicle.
Vehicle use. Questions may include whether the vehicle is used for professional or personal purposes and whether you drive long distances between your home and workplace.
Where you live. In big cities, the risks of collisions and vehicle theft are greater, and this will affect the cost of your insurance. However, you can counter this by installing an anti-theft system in your vehicle if it did not come with one./li>
How many people use the vehicle and their profiles (age, use, and so on).
The coverage chosen. You can opt for additional coverage for risks like fire, theft, vandalism, glass breakage, and comprehensive accidents, or you can just choose the “all perils” option for every form of coverage. Other options are available, including coverage for damage to your vehicle caused by an at-fault accident. Finally, if you are insuring a new vehicle, you can add a replacement value endorsement so you won’t have to deal with vehicle depreciation in the event of a loss.
Your credit score. Studies on this topic show that a person with a good credit score is a lower risk for an insurer (e.g., well maintained vehicle).
Your driving record.
Your automobile claims file.
For all the criteria listed above, there are ways to improve your auto insuranceauto insurance premium.
Think this article might help your family and friends? Feel free to share it on social media.
27 April 2015
-
On the Road
Auto insurance: Why does your insurance company ask so many questions?
Many of you regularly ask us the same question: Why are you collecting so much personal information about me when all I’m asking is how much my auto insurance will cost?
Read
Reading :
1 minute
The answer is simple: We can give you the best price, based on your situation, only by assessing the risks we are taking in insuring you. Most Quebec damage insurers will ask you the same types of questions.
What information determines your auto insurance premium?
Vehicle make and model. Your chances of getting a better price are greater with a brand new model than with an older one or a badly maintained vehicle.
Vehicle use. Questions may include whether the vehicle is used for professional or personal purposes and whether you drive long distances between your home and workplace.
Where you live. In big cities, the risks of collisions and vehicle theft are greater, and this will affect the cost of your insurance. However, you can counter this by installing an anti-theft system in your vehicle if it did not come with one./li>
How many people use the vehicle and their profiles (age, use, and so on).
The coverage chosen. You can opt for additional coverage for risks like fire, theft, vandalism, glass breakage, and comprehensive accidents, or you can just choose the “all perils” option for every form of coverage. Other options are available, including coverage for damage to your vehicle caused by an at-fault accident. Finally, if you are insuring a new vehicle, you can add a replacement value endorsement so you won’t have to deal with vehicle depreciation in the event of a loss.
Your credit score. Studies on this topic show that a person with a good credit score is a lower risk for an insurer (e.g., well maintained vehicle).
Your driving record.
Your automobile claims file.
For all the criteria listed above, there are ways to improve your auto insuranceauto insurance premium.
Think this article might help your family and friends? Feel free to share it on social media.
20 April 2015
-
Safety and Prevention
Motorcycle insurance in 6 points
Read
Reading :
3 minutes
Warm, sunny days cry out for you take your favorite two-wheeled machine out of winter storage and hit the road. Let’s look at what you need to know about motorcycle insurance.
Is motorcycle insurance mandatory?
YES, motorcycle insurance is mandatory. In Quebec, all road vehicle owners must possess third party liability insurance. If you get into an accident with your motorcycle, this insurance will cover physical or property damage caused to another person.
What basic coverage is included in a motorcycle insurance contract?
Third party liability : Minimum coverage is $50,000 and can be increased to up to $2 million, depending to your needs. For example, if you frequently travel to the United States, you may want to get $2 million in coverage. If you cause damage to another person or if you travel outside Quebec, you will be better protected.
Other types of coverage available: : There are many types of coverage beyond third party liability. Here are the most popular:
- Collision or overturning: This covers damage to your motorcycle in the event of an at-fault accident. This coverage is not mandatory in Quebec, but it could be useful when travelling outside of the province.
- Comprehensive: This covers all other types of damage to your motorcycle, including theft, fire, hail, and glass breakage.
What additional coverage is available?
This additional coverage provides better protection and additional services if a problem arises. For example, at Promutuel Insurance, we offer the following endorsements:
Travel expenses: If an accident prevents you from using your motorcycle, this coverage reimburses your transportation expenses (e.g., taxi, public transit).
Waiver of depreciation: This coverage reimburses you without depreciation in the event of total or partial loss of your motorcycle. This endorsement is available for 48 months after the date your motorcycle is delivered.
What criteria influence the price of motorcycle insurance?
Here are the main criteria:
- Regarding your motorcycle:
Make and model
Engine size in cc3
- Regarding you (or any other driver)
Gender
Age
Driving experience
- Chosen coverage and deductibles
How can I save on motorcycle insurance?
Combine! That’s the recipe for great savings. For example, at Promutuel Insurance, we offer a discount of up to 10% if you combine auto and motorcycle insurance. This discount increases to up to 20% if you combine motorcycle insurance, auto insurance and home insurance
I’m planning a motorcycle road trip to the U.S. What should I check before leaving?
- Check if you have enough third party liability coverage to meet the minimum requirements of the state you will be visiting. If you want, you can contact your insurance agent to increase your coverage amount
- Check if your trip will be longer than the coverage period in your policy. If so, call your insurance agent and let them know. They will be able to offer you an extension on your coverage.
Finally, visit the SAAQ website and watch the videos, They’ll help you ask the right questions when preparing for a motorcycle trip.
Helmet, boots, gloves, insurance… Time to hit the road! Happy trails!
20 April 2015
-
Safety and Prevention
Motorcycle insurance in 6 points
Read
Reading :
3 minutes
Warm, sunny days cry out for you take your favorite two-wheeled machine out of winter storage and hit the road. Let’s look at what you need to know about motorcycle insurance.
Is motorcycle insurance mandatory?
YES, motorcycle insurance is mandatory. In Quebec, all road vehicle owners must possess third party liability insurance. If you get into an accident with your motorcycle, this insurance will cover physical or property damage caused to another person.
What basic coverage is included in a motorcycle insurance contract?
Third party liability : Minimum coverage is $50,000 and can be increased to up to $2 million, depending to your needs. For example, if you frequently travel to the United States, you may want to get $2 million in coverage. If you cause damage to another person or if you travel outside Quebec, you will be better protected.
Other types of coverage available: : There are many types of coverage beyond third party liability. Here are the most popular:
- Collision or overturning: This covers damage to your motorcycle in the event of an at-fault accident. This coverage is not mandatory in Quebec, but it could be useful when travelling outside of the province.
- Comprehensive: This covers all other types of damage to your motorcycle, including theft, fire, hail, and glass breakage.
What additional coverage is available?
This additional coverage provides better protection and additional services if a problem arises. For example, at Promutuel Insurance, we offer the following endorsements:
Travel expenses: If an accident prevents you from using your motorcycle, this coverage reimburses your transportation expenses (e.g., taxi, public transit).
Waiver of depreciation: This coverage reimburses you without depreciation in the event of total or partial loss of your motorcycle. This endorsement is available for 48 months after the date your motorcycle is delivered.
What criteria influence the price of motorcycle insurance?
Here are the main criteria:
- Regarding your motorcycle:
Make and model
Engine size in cc3
- Regarding you (or any other driver)
Gender
Age
Driving experience
- Chosen coverage and deductibles
How can I save on motorcycle insurance?
Combine! That’s the recipe for great savings. For example, at Promutuel Insurance, we offer a discount of up to 10% if you combine auto and motorcycle insurance. This discount increases to up to 20% if you combine motorcycle insurance, auto insurance and home insurance
I’m planning a motorcycle road trip to the U.S. What should I check before leaving?
- Check if you have enough third party liability coverage to meet the minimum requirements of the state you will be visiting. If you want, you can contact your insurance agent to increase your coverage amount
- Check if your trip will be longer than the coverage period in your policy. If so, call your insurance agent and let them know. They will be able to offer you an extension on your coverage.
Finally, visit the SAAQ website and watch the videos, They’ll help you ask the right questions when preparing for a motorcycle trip.
Helmet, boots, gloves, insurance… Time to hit the road! Happy trails!
13 April 2015
-
At Home
Insuring your second home is easy!
How do I insure my seasonal or secondary residence? It’s easy: just answer these three questions to find out everything you need to know!
Reading :
5 minutes
How do I insure my seasonal or secondary residence? It’s easy: just answer these three questions to find out everything you need to know!
Are you the owner of a seasonal or secondary residence?
Do you know the difference? If you answered NO, here’s a quick reminder:
A seasonal residence is one you live in sporadically and is usually only accessible for two or three seasons a year. That’s why the policies granted cost less than for a secondary residence. These designated risk polices cover fire, windstorms, lightning, and hail. Since this type of policy usually doesn’t cover theft, vandalism, or frozen pipes, certain precautions are in order, such as draining pipes before closing up for the winter.
A secondary residence is one that is regularly occupied throughout the year (e.g., every weekend or several days each month) and it is accessible all year round. If your residence meets the definition of a secondary residence, talk to your agent about it. They will be able to advise you and probably offer additional protection such as “all perils” coverage.
No matter what type of residence you have, if you think the value is low enough that it doesn’t need to be insured, make sure you have liability coverage for potential risks in case someone injures themselves in your home or your campfire damages your neighbour’s house.
Do you rent out your seasonal residence or secondary residence?
YES: You should contact your agent. Some coverage could be modified in your policy.
Do you keep valuable property in your seasonal or secondary residence?
YES: seasonal insurance contracts don’t cover theft or vandalism. Under certain conditions, however, coverage for breaking and entering (often called burglary) and vandalism can be obtained. Check with your insurance agent. He or she will be able to assess your needs and offer you the best coverage possible.
A few tips!
As promised, we covered the topic in three questions! Here are a few final tips for the road:
In general, insurance for seasonal or secondary homes is more expensive than it is for primary residences. Why? They’re more isolated and exposed and therefore carry more risk.
Many insurers will agree to cover your secondary residence if they already cover your primary residence. In a way, that makes things simpler if you need to make a claim.
That way you can rest easy and enjoy long weekends and vacations with your family in your little corner of paradise!
Think this article could offer your friends and family some helpful advice? Feel free to share it on social media.
13 April 2015
-
At Home
Insuring your second home is easy!
How do I insure my seasonal or secondary residence? It’s easy: just answer these three questions to find out everything you need to know!
Reading :
5 minutes
How do I insure my seasonal or secondary residence? It’s easy: just answer these three questions to find out everything you need to know!
Are you the owner of a seasonal or secondary residence?
Do you know the difference? If you answered NO, here’s a quick reminder:
A seasonal residence is one you live in sporadically and is usually only accessible for two or three seasons a year. That’s why the policies granted cost less than for a secondary residence. These designated risk polices cover fire, windstorms, lightning, and hail. Since this type of policy usually doesn’t cover theft, vandalism, or frozen pipes, certain precautions are in order, such as draining pipes before closing up for the winter.
A secondary residence is one that is regularly occupied throughout the year (e.g., every weekend or several days each month) and it is accessible all year round. If your residence meets the definition of a secondary residence, talk to your agent about it. They will be able to advise you and probably offer additional protection such as “all perils” coverage.
No matter what type of residence you have, if you think the value is low enough that it doesn’t need to be insured, make sure you have liability coverage for potential risks in case someone injures themselves in your home or your campfire damages your neighbour’s house.
Do you rent out your seasonal residence or secondary residence?
YES: You should contact your agent. Some coverage could be modified in your policy.
Do you keep valuable property in your seasonal or secondary residence?
YES: seasonal insurance contracts don’t cover theft or vandalism. Under certain conditions, however, coverage for breaking and entering (often called burglary) and vandalism can be obtained. Check with your insurance agent. He or she will be able to assess your needs and offer you the best coverage possible.
A few tips!
As promised, we covered the topic in three questions! Here are a few final tips for the road:
In general, insurance for seasonal or secondary homes is more expensive than it is for primary residences. Why? They’re more isolated and exposed and therefore carry more risk.
Many insurers will agree to cover your secondary residence if they already cover your primary residence. In a way, that makes things simpler if you need to make a claim.
That way you can rest easy and enjoy long weekends and vacations with your family in your little corner of paradise!
Think this article could offer your friends and family some helpful advice? Feel free to share it on social media.
9 April 2015
-
Safety and Prevention
The spring thaw is finally here! Tips for preventing water damage in your home
Bet you thought spring would never arrive, but here it is!—bringing with it milder temperatures that will quickly melt the ice and snow that has accumulated on and around your home. Follow our tips to make sure your home stays dry this spring.
Read
Reading :
4 minutes
Bet you thought spring would never arrive, but here it is!—bringing with it milder temperatures that will quickly melt the ice and snow that has accumulated on and around your home. Follow our tips to make sure your home stays dry this spring.
Keep an eye on your gutters!
As the snow melts, huge quantities of water flow from the roof, running into your home’s gutters. To prevent water infiltration, the key is to be prepared.
Make sure the water in your gutters is draining properly
If your gutters are obstructed, water will back up toward the roof or spill over near your foundation, increasing the risk of water entering your home. In spring, ice can also block up your gutters, preventing the water from flowing freely. The best way to prevent ice build-up is to use a gutter guard or continuous hanging system that will keep the snow and ice on top of the gutter and allow water in the gutter to drain normally as everything thaws.
Protect your gutters against expanding ice
The freeze/thaw cycle causes gutters to expand. This can cause major damage, especially if your gutters are nailed on. Installing them using continuous hangers helps prevent deterioration. Ice and snow stays on top and can drain as it melts. This prevents expansion, since water isn’t sitting in the gutter.
Make sure water is diverted away from the foundation
After water is drained by the gutters and downspouts, make sure it is being directed away from your foundation. When water pools up near a foundation, it can seep into the basement. To keep this from happening, water must be diverted at least six feet (1.8 m) away from the house. One way to achieve this is with a ground slope. The two best solutions for diverting water away from troublesome downspouts are to install a gutter downspout extension or dig a downspout dry well. Made with a geomembrane and gravel , a dry well allows runoff to trickle into the soil slowly.
Check your sump pit!
Sump pumps can help prevent floods and other disasters, but they can also become obstructed or break down if not inspected and maintained regularly. Annual maintenance will help you ensure that your pump is working correctly for years to come.
Test your sump pump
It’s easy to see if your pump is working correctly. Just pour some water into the sump pit and make sure the pump turns on automatically. We strongly recommend adding a battery backup. If the pump is over ten years old, it may experience mechanical issues and fail to work when the time comes. We recommend replacing it in this case. Be sure to read the pump manufacturer’s instructions before use.
If you test the pump and it’s not working :
Check for debris obstructing the inlet.
Check for any abnormal motor noises.
Look for oil in the sump pit (this may indicate a damaged seal).
If the pump is activated by a float switch, make sure it isn’t blocked.
Depending on the problem, you can decide to have the pump repaired or replaced.
Contact your municipality to find out where to discharge the water from the sump pump. If it is discharged above ground, it must be diverted at least six feet from the foundation.
Feeling reassured? Just follow our tips and enjoy a worry-free April thaw!
If you think this article might be of interest to your friends and family, feel free to share it on social media!
9 April 2015
-
Safety and Prevention
The spring thaw is finally here! Tips for preventing water damage in your home
Bet you thought spring would never arrive, but here it is!—bringing with it milder temperatures that will quickly melt the ice and snow that has accumulated on and around your home. Follow our tips to make sure your home stays dry this spring.
Read
Reading :
4 minutes
Bet you thought spring would never arrive, but here it is!—bringing with it milder temperatures that will quickly melt the ice and snow that has accumulated on and around your home. Follow our tips to make sure your home stays dry this spring.
Keep an eye on your gutters!
As the snow melts, huge quantities of water flow from the roof, running into your home’s gutters. To prevent water infiltration, the key is to be prepared.
Make sure the water in your gutters is draining properly
If your gutters are obstructed, water will back up toward the roof or spill over near your foundation, increasing the risk of water entering your home. In spring, ice can also block up your gutters, preventing the water from flowing freely. The best way to prevent ice build-up is to use a gutter guard or continuous hanging system that will keep the snow and ice on top of the gutter and allow water in the gutter to drain normally as everything thaws.
Protect your gutters against expanding ice
The freeze/thaw cycle causes gutters to expand. This can cause major damage, especially if your gutters are nailed on. Installing them using continuous hangers helps prevent deterioration. Ice and snow stays on top and can drain as it melts. This prevents expansion, since water isn’t sitting in the gutter.
Make sure water is diverted away from the foundation
After water is drained by the gutters and downspouts, make sure it is being directed away from your foundation. When water pools up near a foundation, it can seep into the basement. To keep this from happening, water must be diverted at least six feet (1.8 m) away from the house. One way to achieve this is with a ground slope. The two best solutions for diverting water away from troublesome downspouts are to install a gutter downspout extension or dig a downspout dry well. Made with a geomembrane and gravel , a dry well allows runoff to trickle into the soil slowly.
Check your sump pit!
Sump pumps can help prevent floods and other disasters, but they can also become obstructed or break down if not inspected and maintained regularly. Annual maintenance will help you ensure that your pump is working correctly for years to come.
Test your sump pump
It’s easy to see if your pump is working correctly. Just pour some water into the sump pit and make sure the pump turns on automatically. We strongly recommend adding a battery backup. If the pump is over ten years old, it may experience mechanical issues and fail to work when the time comes. We recommend replacing it in this case. Be sure to read the pump manufacturer’s instructions before use.
If you test the pump and it’s not working :
Check for debris obstructing the inlet.
Check for any abnormal motor noises.
Look for oil in the sump pit (this may indicate a damaged seal).
If the pump is activated by a float switch, make sure it isn’t blocked.
Depending on the problem, you can decide to have the pump repaired or replaced.
Contact your municipality to find out where to discharge the water from the sump pump. If it is discharged above ground, it must be diverted at least six feet from the foundation.
Feeling reassured? Just follow our tips and enjoy a worry-free April thaw!
If you think this article might be of interest to your friends and family, feel free to share it on social media!
27 March 2015
-
At Home
Let’s talk about home insurance claims!
During our discussions, many of you asked us about the home insurance claim process. How much will be reimbursed? How long will it take? Where does the deductible fit into all this? Here are some guidelines to help you.
Read
Reading :
4 minutes
During our discussions, many of you asked us about the home insurance claim process. How much will be reimbursed? How long will it take? Where does the deductible fit into all this? Here are some guidelines to help you.
Each type of claim has its own process. Don’t panic! Each process works in much the same way. Here are the steps to follow:
What to do if you’ve suffered damage to your home
Promptly advise your insurer or broker in order to be compensated quickly: Explain what happened, giving background details relating to the accident or event, and be as specific as possible.
List all the goods that have been damaged or destroyed (furniture, appliances, etc.)
Write out the details of all damaged or destroyed furniture or items. Keep in mind that this is something the claims adjuster assigned to your claim will ask you to do. Remember to include proofs of purchase, such as receipts, warranties, instruction manuals and packaging. You can even add photos and videos to your file.
What the claims adjuster does to help you
Investigates: You’ve done your job; now let the experts do theirs. They will investigate the circumstances related to the incident or event, determine if the claim is eligible in whole or in part, analyze the documents you have provided and explain the procedure to you.
Pays compensation: If applicable.
Good to know
Home insurance claim settlement period: 60 days following receipt of the relevant information and supporting documentation required by the insurer.
Settlement of your damages: Will correspond to the value of the goods or their replacement cost, subject to the provisions and limitations of your policy.
Example of a typical policy limitation: Coverage limits are stipulated in the event of theft only, notably for jewellery, furs, manuscripts, stamps, coins, gold or silver objects, bicycles, audio and video equipment, video games, art and sports cards, works of art and collections.
For other types of loss: There may be limitations for boats, precious metals and banknotes, software, garden tractors, snowplows, securities, professional movable property, and wines and spirits.
And the deductible? ?
There’s only one equation to remember: the amount paid out by your insurer = the amount eligible for compensation (depending on the damages and specifics of your policy).
Useful reminder: : The deductible is the amount you agree to pay in the event of a loss. It is stated in your policy. Generally speaking, home insurance deductibles vary between $300 and $1,000. Finally, a waiver of deductible may even apply to your claim depending on the extent of your loss.
So, does that answer your questions about home insurance claims? If you think this article might interest your friends or family, feel free to share this information on your social networks!
The details provided in this post are for information purposes only, subject to the provisions of your policy.
27 March 2015
-
At Home
Let’s talk about home insurance claims!
During our discussions, many of you asked us about the home insurance claim process. How much will be reimbursed? How long will it take? Where does the deductible fit into all this? Here are some guidelines to help you.
Read
Reading :
4 minutes
During our discussions, many of you asked us about the home insurance claim process. How much will be reimbursed? How long will it take? Where does the deductible fit into all this? Here are some guidelines to help you.
Each type of claim has its own process. Don’t panic! Each process works in much the same way. Here are the steps to follow:
What to do if you’ve suffered damage to your home
Promptly advise your insurer or broker in order to be compensated quickly: Explain what happened, giving background details relating to the accident or event, and be as specific as possible.
List all the goods that have been damaged or destroyed (furniture, appliances, etc.)
Write out the details of all damaged or destroyed furniture or items. Keep in mind that this is something the claims adjuster assigned to your claim will ask you to do. Remember to include proofs of purchase, such as receipts, warranties, instruction manuals and packaging. You can even add photos and videos to your file.
What the claims adjuster does to help you
Investigates: You’ve done your job; now let the experts do theirs. They will investigate the circumstances related to the incident or event, determine if the claim is eligible in whole or in part, analyze the documents you have provided and explain the procedure to you.
Pays compensation: If applicable.
Good to know
Home insurance claim settlement period: 60 days following receipt of the relevant information and supporting documentation required by the insurer.
Settlement of your damages: Will correspond to the value of the goods or their replacement cost, subject to the provisions and limitations of your policy.
Example of a typical policy limitation: Coverage limits are stipulated in the event of theft only, notably for jewellery, furs, manuscripts, stamps, coins, gold or silver objects, bicycles, audio and video equipment, video games, art and sports cards, works of art and collections.
For other types of loss: There may be limitations for boats, precious metals and banknotes, software, garden tractors, snowplows, securities, professional movable property, and wines and spirits.
And the deductible? ?
There’s only one equation to remember: the amount paid out by your insurer = the amount eligible for compensation (depending on the damages and specifics of your policy).
Useful reminder: : The deductible is the amount you agree to pay in the event of a loss. It is stated in your policy. Generally speaking, home insurance deductibles vary between $300 and $1,000. Finally, a waiver of deductible may even apply to your claim depending on the extent of your loss.
So, does that answer your questions about home insurance claims? If you think this article might interest your friends or family, feel free to share this information on your social networks!
The details provided in this post are for information purposes only, subject to the provisions of your policy.
17 March 2015
-
Employment
Are you “Lean management compatible”?
Read
Reading :
4 minutes
More than a working method, a philosophy
Here are some of the key concepts of the approach that jive with our priorities here at Promutuel Assurance :
The company must prioritize a long-term strategy and focus on its overall goals..
Only the customer can define the value of a product or service..
Any activity that contributes to creating a product or service has added value; any other activity represents a waste that must be reduced or eliminated.
Processes must be implemented so as to allow for changes, i.e., eliminating any wait times, obstacles and constraints affecting the smooth running of operations.
Lean management helps to constantly improve working processes, and therefore customer service!
The management framework aims to ensure employees are skilled in the processes through direct supervision, management routines and visual indicators, all of which help to improve performance.
Why is an insurer implementing Lean management?
To ensure rapid, optimum service for customers
To boost employee motivation
To improve productivity
Lean management at Promutuel Insurance
Promutuel Insurance uses Lean methods in its Insurance and Information Systems departments.
What does this approach look like in practice?
Routine meetings are organized on a daily basis for employees, coordinators and managers. These short, structured meetings provide a forum for developing and presenting work plans, monitoring progress and ensuring any necessary adjustments are made in order to promote a culture of continuous improvement.
Testimonial by Catherine Bertrand, Senior Actuarial Analyst at Promutuel Insurance Catherine, are you “Lean compatible” and, if so, what have you gained from this working method? “Yes! I am ‘Lean compatible’ for a whole bunch of reasons, but here is what immediately springs to mind for me:
I feel my work is more organized and more structured.
I deliver my work on time thanks to a detailed schedule that sets out all the target needs.
My supervisors are more accessible on a daily basis because of our meetings every morning.
- I have a better idea of what the other people in my team are working on, what their needs are, and when the rush periods during the week tend to be.
Basically, this approach helps me to rationalize my work and focus on the essential so I can relax in the knowledge I’m moving projects along. It was only recently that we started using these working methods at Promutuel Insurance, but I have to say I’m a big fan so far!”
Testimonial by Simon Poitras, Director of Continuous Improvement and Business Solutions at Promutuel Insurance and Lean management expert Simon, are you “Lean compatible”? «Oui ! Je suis totalement « lean compatible ». “Yes! I am totally ‘Lean compatible’! In fact, I’m an engineer who specializes in continuous improvement and I was an in-house project manager when we rolled out the initial phase for Lean management in the Insurance department here. In my current role, I’m responsible for the sustainability of the Lean approach and for implementing phases 2 and 3 in the Insurance department, which will enable all employees to grow and prosper in an environment that promotes the continuous improvement of our business processes. My team is also involved in implementing Lean in the Information Systems department. I must say that Lean management at Promutuel Insurance has been a success for the following reasons: :
All employees and managers have been quick to embrace the new tools and management routines.
It’s easy to see the work done so far thanks to the tables showing progress indicators in the common work areas.
Frequent communication between employees and their managers makes follow-up a breeze and is empowering for employees.”
Readers, if you have any questions on this topic, don’t hesitate to contact our two experts directly using the Comments field on this page. They’ll be pleased to help!
17 March 2015
-
Employment
Are you “Lean management compatible”?
Read
Reading :
4 minutes
More than a working method, a philosophy
Here are some of the key concepts of the approach that jive with our priorities here at Promutuel Assurance :
The company must prioritize a long-term strategy and focus on its overall goals..
Only the customer can define the value of a product or service..
Any activity that contributes to creating a product or service has added value; any other activity represents a waste that must be reduced or eliminated.
Processes must be implemented so as to allow for changes, i.e., eliminating any wait times, obstacles and constraints affecting the smooth running of operations.
Lean management helps to constantly improve working processes, and therefore customer service!
The management framework aims to ensure employees are skilled in the processes through direct supervision, management routines and visual indicators, all of which help to improve performance.
Why is an insurer implementing Lean management?
To ensure rapid, optimum service for customers
To boost employee motivation
To improve productivity
Lean management at Promutuel Insurance
Promutuel Insurance uses Lean methods in its Insurance and Information Systems departments.
What does this approach look like in practice?
Routine meetings are organized on a daily basis for employees, coordinators and managers. These short, structured meetings provide a forum for developing and presenting work plans, monitoring progress and ensuring any necessary adjustments are made in order to promote a culture of continuous improvement.
Testimonial by Catherine Bertrand, Senior Actuarial Analyst at Promutuel Insurance Catherine, are you “Lean compatible” and, if so, what have you gained from this working method? “Yes! I am ‘Lean compatible’ for a whole bunch of reasons, but here is what immediately springs to mind for me:
I feel my work is more organized and more structured.
I deliver my work on time thanks to a detailed schedule that sets out all the target needs.
My supervisors are more accessible on a daily basis because of our meetings every morning.
- I have a better idea of what the other people in my team are working on, what their needs are, and when the rush periods during the week tend to be.
Basically, this approach helps me to rationalize my work and focus on the essential so I can relax in the knowledge I’m moving projects along. It was only recently that we started using these working methods at Promutuel Insurance, but I have to say I’m a big fan so far!”
Testimonial by Simon Poitras, Director of Continuous Improvement and Business Solutions at Promutuel Insurance and Lean management expert Simon, are you “Lean compatible”? «Oui ! Je suis totalement « lean compatible ». “Yes! I am totally ‘Lean compatible’! In fact, I’m an engineer who specializes in continuous improvement and I was an in-house project manager when we rolled out the initial phase for Lean management in the Insurance department here. In my current role, I’m responsible for the sustainability of the Lean approach and for implementing phases 2 and 3 in the Insurance department, which will enable all employees to grow and prosper in an environment that promotes the continuous improvement of our business processes. My team is also involved in implementing Lean in the Information Systems department. I must say that Lean management at Promutuel Insurance has been a success for the following reasons: :
All employees and managers have been quick to embrace the new tools and management routines.
It’s easy to see the work done so far thanks to the tables showing progress indicators in the common work areas.
Frequent communication between employees and their managers makes follow-up a breeze and is empowering for employees.”
Readers, if you have any questions on this topic, don’t hesitate to contact our two experts directly using the Comments field on this page. They’ll be pleased to help!
10 March 2015
-
Nous aimons
Mess of the week!
Spilled coffee? Broken vase? Share your biggest mess with us for a chance to win a $100 Pre-Paid VISA Card! Good luck!
Read
Reading :
1 minute
Le "Gâchis de la semaine" !
10 March 2015
-
Nous aimons
Mess of the week!
Spilled coffee? Broken vase? Share your biggest mess with us for a chance to win a $100 Pre-Paid VISA Card! Good luck!
Read
Reading :
1 minute
Le "Gâchis de la semaine" !
4 March 2015
-
On the Road
Tempted by UberX? How might it affect your car insurance?
Did you know that the UberX application is now available in Québec and that it enables you to provide paid transportation services to other individuals using your personal vehicle? If this concept seems tempting, read our advice to avoid running afoul of your car insurance!
Read
Reading :
4 minutes
Did you know that the UberX application is now available in Québec and that it enables you to provide paid transportation services to other individuals using your personal vehicle? If this concept seems tempting, read our advice to avoid running afoul of your car insurance!
What exactly is UberX?
Don’t worry. It’s not the name of a distant cousin but rather a voluntary taxi application. You begin by signing up and then offer transportation services to other registered members. Uber is not a taxi company. It’s a company that connects drivers with passengers.
Operating within the law
The Act respecting transportation service by taxi stipulates in section 4 that people must have a taxi owner’s permit to offer such services, whether they do so regularly or occasionally, and regardless of how drivers get in touch with clients (smartphone application, website, etc.). Under this same law (section 117), you are guilty of an offence and liable to a fine of $350 to $1,050 if you offer or provide passenger transportation for remuneration using an automobile but do not hold a taxi owner’s permit. Furthermore, section 71 states that your vehicle may be seized.
The difference between UberX and carpooling
Carpooling::
The driver is going from point A to point B and offering to take passengers and share the transportation costs. The expenses are paid by both the driver and the passengers.
For instance, Allo Stop is considered an organization that provides carpooling services, like travelling with colleagues to work.The key point is that the driver is following a pre-determined route from Point A to Point B and that the costs are shared among all occupants of the vehicle.
UberX :
In the case of UberX, what occurs is not carpooling. It involves drivers with no pre-determined itinerary using their vehicles to transport people to their destination for money, just like a taxi. Recruitment is through a mobile application.
UberX + auto insurance policy = exclusion
First you should know that your car insurance policy contains certain exclusions. What are they, you ask? Well, one concerns vehicles used as a taxi or as a vehicle provided with a driver. These exclusions could lead to the denial of claims for damage caused to your vehicle.
So, a piece of advice: contact your insurer to avoid disputes. Once informed, your insurance company could decide to increase your insurance premium or cancel your policy. If you do not inform your insurer, your compensation could be reduced or cancelled in the event of a claim.
Now that you know, the choice is yours. Drive safely!
4 March 2015
-
On the Road
Tempted by UberX? How might it affect your car insurance?
Did you know that the UberX application is now available in Québec and that it enables you to provide paid transportation services to other individuals using your personal vehicle? If this concept seems tempting, read our advice to avoid running afoul of your car insurance!
Read
Reading :
4 minutes
Did you know that the UberX application is now available in Québec and that it enables you to provide paid transportation services to other individuals using your personal vehicle? If this concept seems tempting, read our advice to avoid running afoul of your car insurance!
What exactly is UberX?
Don’t worry. It’s not the name of a distant cousin but rather a voluntary taxi application. You begin by signing up and then offer transportation services to other registered members. Uber is not a taxi company. It’s a company that connects drivers with passengers.
Operating within the law
The Act respecting transportation service by taxi stipulates in section 4 that people must have a taxi owner’s permit to offer such services, whether they do so regularly or occasionally, and regardless of how drivers get in touch with clients (smartphone application, website, etc.). Under this same law (section 117), you are guilty of an offence and liable to a fine of $350 to $1,050 if you offer or provide passenger transportation for remuneration using an automobile but do not hold a taxi owner’s permit. Furthermore, section 71 states that your vehicle may be seized.
The difference between UberX and carpooling
Carpooling::
The driver is going from point A to point B and offering to take passengers and share the transportation costs. The expenses are paid by both the driver and the passengers.
For instance, Allo Stop is considered an organization that provides carpooling services, like travelling with colleagues to work.The key point is that the driver is following a pre-determined route from Point A to Point B and that the costs are shared among all occupants of the vehicle.
UberX :
In the case of UberX, what occurs is not carpooling. It involves drivers with no pre-determined itinerary using their vehicles to transport people to their destination for money, just like a taxi. Recruitment is through a mobile application.
UberX + auto insurance policy = exclusion
First you should know that your car insurance policy contains certain exclusions. What are they, you ask? Well, one concerns vehicles used as a taxi or as a vehicle provided with a driver. These exclusions could lead to the denial of claims for damage caused to your vehicle.
So, a piece of advice: contact your insurer to avoid disputes. Once informed, your insurance company could decide to increase your insurance premium or cancel your policy. If you do not inform your insurer, your compensation could be reduced or cancelled in the event of a claim.
Now that you know, the choice is yours. Drive safely!
3 March 2015
-
At Home
Home Insurance: A Hot Topic for Condo Buildings
Read
Reading :
3 minutes
If you’re a condo owner, it might seem like all you hear on the news these days is how it’s become nearly impossible to insure condo buildings, and that insurance companies either don’t want to insure them or if they do, they jack up their rates. Let’s dispel some of these myths.
Insurance 101 for divided co-ownership condo buildings
What you need to understand, if you have a condo under divided co-ownership, is that there are two types of insurance policies:
One policy to cover each co-owner’s private space (your apartment);
One policy owned by the condominium syndicate (for the common areas and the building in general)
Insurance for resident co-owners covers:
Personal property;
Third party liability;
Improvements made, acquired or rented by the co-owner after construction.
The condominium syndicate’s insurance must cover and include
All common areas (lobbies, corridors, stairwells, roof, etc.)
The “building” portion of private areas (each co-owner’s unit), such as walls, floors and windows
Property belonging to the syndicate, such as patio furniture on the roof deck
The syndicate’s third-party liability (mandatory)
- Administrators’ third-party liability
The condominium syndicate for your building is required by law (Civil Code of Québec) to have insurance against the usual perils (fire, theft, etc.) and must take out sufficient coverage to ensure the replacement value of the building.
In the event of a claim,, both policies may each pay a portion of the indemnity.
The risk of failing to insure a divided co-ownership condo building?
If your building isn’t insured, it may well lose value—meaning your apartment would lose value too! Nobody likes the sound of that, do they? If the building isn’t insured, you also run the risk of losing your hard-earned property and exposing yourself to higher third-party liability claims.
Causes of rising insurance premiums and deductibles for condo buildings
Frequent and costly claims
Incompetent administration in terms of building management and maintenance
Poor building maintenance
Did you know?
Around 95% of all claims in condo buildings are caused by water damage (source: Insurance Bureau of Canada).
The increase in these types of claims has led to an unprecedented increase in insurance premiums and deductibles in the last five years (source: survey carried out by the Regroupement des gestionnaires et copropriétaires du Québec among 700 condominium syndicates)
- To prevent major water damage, condo building administrators are advised to replace the roof of their buildings before they reach the end of their lifespan and replace all hot-water heaters every 10 years.
Solutions
The Insurance Bureau of Canadarecommends that condominium syndicates set up a contingency fund and keep a preventive maintenance log.
Does this make things a little clearer? Do you think your family and friends might enjoy reading this article? Share it on social media.
3 March 2015
-
At Home
Home Insurance: A Hot Topic for Condo Buildings
Read
Reading :
3 minutes
If you’re a condo owner, it might seem like all you hear on the news these days is how it’s become nearly impossible to insure condo buildings, and that insurance companies either don’t want to insure them or if they do, they jack up their rates. Let’s dispel some of these myths.
Insurance 101 for divided co-ownership condo buildings
What you need to understand, if you have a condo under divided co-ownership, is that there are two types of insurance policies:
One policy to cover each co-owner’s private space (your apartment);
One policy owned by the condominium syndicate (for the common areas and the building in general)
Insurance for resident co-owners covers:
Personal property;
Third party liability;
Improvements made, acquired or rented by the co-owner after construction.
The condominium syndicate’s insurance must cover and include
All common areas (lobbies, corridors, stairwells, roof, etc.)
The “building” portion of private areas (each co-owner’s unit), such as walls, floors and windows
Property belonging to the syndicate, such as patio furniture on the roof deck
The syndicate’s third-party liability (mandatory)
- Administrators’ third-party liability
The condominium syndicate for your building is required by law (Civil Code of Québec) to have insurance against the usual perils (fire, theft, etc.) and must take out sufficient coverage to ensure the replacement value of the building.
In the event of a claim,, both policies may each pay a portion of the indemnity.
The risk of failing to insure a divided co-ownership condo building?
If your building isn’t insured, it may well lose value—meaning your apartment would lose value too! Nobody likes the sound of that, do they? If the building isn’t insured, you also run the risk of losing your hard-earned property and exposing yourself to higher third-party liability claims.
Causes of rising insurance premiums and deductibles for condo buildings
Frequent and costly claims
Incompetent administration in terms of building management and maintenance
Poor building maintenance
Did you know?
Around 95% of all claims in condo buildings are caused by water damage (source: Insurance Bureau of Canada).
The increase in these types of claims has led to an unprecedented increase in insurance premiums and deductibles in the last five years (source: survey carried out by the Regroupement des gestionnaires et copropriétaires du Québec among 700 condominium syndicates)
- To prevent major water damage, condo building administrators are advised to replace the roof of their buildings before they reach the end of their lifespan and replace all hot-water heaters every 10 years.
Solutions
The Insurance Bureau of Canadarecommends that condominium syndicates set up a contingency fund and keep a preventive maintenance log.
Does this make things a little clearer? Do you think your family and friends might enjoy reading this article? Share it on social media.
11 February 2015
-
Things We Love
The OSEZ le Mont-Saint-Anne Challenge
We can’t speak for you, but here at Promutuel Insurance, we love winter sports, and we love to donate to a good cause.
Reading :
1 minute
We can’t speak for you, but here at Promutuel Insurance, we love winter sports, and we love to donate to a good cause.
That’s why we’re excited to announce we will be the lead partner of the upcoming OSEZ le Mont-Sainte-Anne Challenge on February 21.
TheOSEZ le Mont-Sainte-Anne Challenge is the biggest charitable sporting event held at the popular ski resort near Québec City, supporting Fondation québécoise du cancer, Fondation des Musées de la civilisation and Université Laval’s Club de ski alpin Rouge et Or.
Participants must face one of the following four challenges:
Downhill Challenge
Cross-Country Ski Challenge
Snowshoe Challenge
The Ultimate Challenge combining all three disciplines
Whether competing solo or relaying with team-mates, the goal is the same—to score as many points as possible.
Here at Promutuel Insurance, we’re proud to be entering five teams in the event—that’s 25 of our people! Gives you a good idea of what we mean by commitment, doesn’t it? And that’s not all: the biggest challenge is to raise as many donations as we can to help local families. So far, our five teams have collected $4,645. And our goal is $6,950.
Want to show your support? Why not take a look at our team pages and make a donation online? Groupe Promutuel 1, Promutuel, Promutuel 2, Promutuel 3, Promutuel 5.
So what are you doing on February 21? It’s not too late to build a team, get your gear tuned up, and put your skis on for a good cause! And if you can’t join us in person, you can always join us in spirit!
Jonathan Pollender, Pascal Tessier-Fleury-F, Simon Girard, Michel Gosselin
Luc Grégoire, Jean Bussières, Raymond Beaudet, François Chartier, Pierre Raymond
Réjean Tremblay, Jean Lemieux, Martin Halle, Pierre Lessard, Guillaume Paquette-Boisclair, Daniel Carrier
Steve Martin, Marie-Pier Boulet, Marie-Claude Gendron, Bobby Myre, Jean Lamoureux
11 February 2015
-
Things We Love
The OSEZ le Mont-Saint-Anne Challenge
We can’t speak for you, but here at Promutuel Insurance, we love winter sports, and we love to donate to a good cause.
Reading :
1 minute
We can’t speak for you, but here at Promutuel Insurance, we love winter sports, and we love to donate to a good cause.
That’s why we’re excited to announce we will be the lead partner of the upcoming OSEZ le Mont-Sainte-Anne Challenge on February 21.
TheOSEZ le Mont-Sainte-Anne Challenge is the biggest charitable sporting event held at the popular ski resort near Québec City, supporting Fondation québécoise du cancer, Fondation des Musées de la civilisation and Université Laval’s Club de ski alpin Rouge et Or.
Participants must face one of the following four challenges:
Downhill Challenge
Cross-Country Ski Challenge
Snowshoe Challenge
The Ultimate Challenge combining all three disciplines
Whether competing solo or relaying with team-mates, the goal is the same—to score as many points as possible.
Here at Promutuel Insurance, we’re proud to be entering five teams in the event—that’s 25 of our people! Gives you a good idea of what we mean by commitment, doesn’t it? And that’s not all: the biggest challenge is to raise as many donations as we can to help local families. So far, our five teams have collected $4,645. And our goal is $6,950.
Want to show your support? Why not take a look at our team pages and make a donation online? Groupe Promutuel 1, Promutuel, Promutuel 2, Promutuel 3, Promutuel 5.
So what are you doing on February 21? It’s not too late to build a team, get your gear tuned up, and put your skis on for a good cause! And if you can’t join us in person, you can always join us in spirit!
Jonathan Pollender, Pascal Tessier-Fleury-F, Simon Girard, Michel Gosselin
Luc Grégoire, Jean Bussières, Raymond Beaudet, François Chartier, Pierre Raymond
Réjean Tremblay, Jean Lemieux, Martin Halle, Pierre Lessard, Guillaume Paquette-Boisclair, Daniel Carrier
Steve Martin, Marie-Pier Boulet, Marie-Claude Gendron, Bobby Myre, Jean Lamoureux
6 February 2015
-
At Home
Limiting the Damage
Read
Reading :
3 minutes
Did you know? In the event of a loss, you have an obligation to limit the damage to your property. It might not be something that happens when you’re at home. Something could happen when you’re on vacation, or the roof on your shed might collapse, for instance.
Let’s imagine you have to deal with water damage in your home. If you have the right reflexes, it will be a lot easier for you to do the right thing if the unthinkable does happen, despite you doing your best to make sure it doesn’t!
Step 1: Bury your head in your hands and exclaim: “Oh no! My basement’s turned into a swimming pool!”
Step 2: Contact the relevant authorities right away—that might mean the police, the fire department, or a plumber, whatever is necessary.
Step 3: Contact your insurer to report the loss and the damage you can see.
Don’t forget, you have an obligation to report any loss to your insurer as soon as it happens or you become aware of it. This isn’t just a suggestion, it’s actually a requirement under the Civil Code of Québec, especially if your loss is liable to lead to a claim. If you don’t report the loss within the proper time limits, you could lose the right to be compensated for that claim or even any future claims. If any unreported damage were to lead to other damage in the future, your insurer would be entitled to deny your claim.
In summary: Be honest with your insurer. This will ensure your claim file is handled quickly and effectively.
Things to be aware of: When you call your insurer, make a note of the date and the name of the person you spoke to. We also suggest you refer to the handy checklist What Should I Do in the Event of a Loss? on the Chambre de l’assurance de dommages website for further information.
Step 4: Spring into action and limit the damage as best you can.
What does that mean, exactly? While you’re waiting for your insurer to get back to you, you must do your best to limit the damage so things don’t get any worse. You should know, in fact, that your insurer is not obligated to compensate you for any aggravation of the damage that you could have avoided. (See Article 1479 of the Civil Code of Québec).
But in concrete terms, what do you need to do in the event of water damage?
While you’re waiting for a specialized clean-up firm to arrive, here’s what you can do to limit the damage:
- Turn off the water at the mains
- Unplug electrical appliances
- Raise your belongings off the ground
- Air the room out
- Dry the room out to avoid mould developing
Things to be aware of:
- If you need to take any further action, talk to your insurer first to make sure it will be covered by your insurance policy.
- If you want to throw away any furniture or items that are damaged, remember to take photos of them and write a description of the the damage so you can include these on your claim.
Step 5: Agree to any emergency repairs, if necessary, to avoid the damage getting worse.
Step 6: When you file your claim, remember to include the amount you had to spend to limit the damage and prevent it from getting worse.
Doesn’t that set your mind at ease? This 6-step plan of attack will help you do the right thing in the event of a loss, which we obviously hope will never happen. Next week: Stay tuned for tips and precautions for preventing water damage. You’ll be well-equipped to handle the worst winter can throw at you!
Do you think your family and friends might enjoy reading this article? Share it on social media.
6 February 2015
-
At Home
Limiting the Damage
Read
Reading :
3 minutes
Did you know? In the event of a loss, you have an obligation to limit the damage to your property. It might not be something that happens when you’re at home. Something could happen when you’re on vacation, or the roof on your shed might collapse, for instance.
Let’s imagine you have to deal with water damage in your home. If you have the right reflexes, it will be a lot easier for you to do the right thing if the unthinkable does happen, despite you doing your best to make sure it doesn’t!
Step 1: Bury your head in your hands and exclaim: “Oh no! My basement’s turned into a swimming pool!”
Step 2: Contact the relevant authorities right away—that might mean the police, the fire department, or a plumber, whatever is necessary.
Step 3: Contact your insurer to report the loss and the damage you can see.
Don’t forget, you have an obligation to report any loss to your insurer as soon as it happens or you become aware of it. This isn’t just a suggestion, it’s actually a requirement under the Civil Code of Québec, especially if your loss is liable to lead to a claim. If you don’t report the loss within the proper time limits, you could lose the right to be compensated for that claim or even any future claims. If any unreported damage were to lead to other damage in the future, your insurer would be entitled to deny your claim.
In summary: Be honest with your insurer. This will ensure your claim file is handled quickly and effectively.
Things to be aware of: When you call your insurer, make a note of the date and the name of the person you spoke to. We also suggest you refer to the handy checklist What Should I Do in the Event of a Loss? on the Chambre de l’assurance de dommages website for further information.
Step 4: Spring into action and limit the damage as best you can.
What does that mean, exactly? While you’re waiting for your insurer to get back to you, you must do your best to limit the damage so things don’t get any worse. You should know, in fact, that your insurer is not obligated to compensate you for any aggravation of the damage that you could have avoided. (See Article 1479 of the Civil Code of Québec).
But in concrete terms, what do you need to do in the event of water damage?
While you’re waiting for a specialized clean-up firm to arrive, here’s what you can do to limit the damage:
- Turn off the water at the mains
- Unplug electrical appliances
- Raise your belongings off the ground
- Air the room out
- Dry the room out to avoid mould developing
Things to be aware of:
- If you need to take any further action, talk to your insurer first to make sure it will be covered by your insurance policy.
- If you want to throw away any furniture or items that are damaged, remember to take photos of them and write a description of the the damage so you can include these on your claim.
Step 5: Agree to any emergency repairs, if necessary, to avoid the damage getting worse.
Step 6: When you file your claim, remember to include the amount you had to spend to limit the damage and prevent it from getting worse.
Doesn’t that set your mind at ease? This 6-step plan of attack will help you do the right thing in the event of a loss, which we obviously hope will never happen. Next week: Stay tuned for tips and precautions for preventing water damage. You’ll be well-equipped to handle the worst winter can throw at you!
Do you think your family and friends might enjoy reading this article? Share it on social media.
5 February 2015
-
On the Road
This Way for Savings
Keeping tabs on your budget can help you enjoy the little pleasures in life, like vacations, gifts, dining out and lots more! Before you think about treating yourself though, here are some tips to help you really save money on your car insurance.
Reading :
8 minutes
Keeping tabs on your budget can help you enjoy the little pleasures in life, like vacations, gifts, dining out and lots more! Before you think about treating yourself though, here are some tips to help you really save money on your car insurance.
1 + 1 = - 10%
This might not look like it adds up, but here’s the deal: if you take out car and home insurance policies with the same insurer, you’ll qualify for additional discounts. How much you save will depend on how many insurance policies you take out, as well as the type of policy, but on the whole you can expect up to 10% discount. What’s more, if you insure more than one vehicle with the same insurer, you could even save up to 15%!
New vehicle = - 10%
If you have a new vehicle, you could enjoy a 10% discount. Discounts like this are always welcome when you’ve just made such a big purchase.
Students = - 20%
Young drivers, don’t feel left out! There are student discounts designed especially for younger drivers. The most generous discounts offer up to 20% savings on car insurance! So when you’re shopping around for your new policy, make sure you fit the insurer’s definition of a “young person”. Some insurers offer discounts for young people under age 24, but others stretch out the savings to those 30 and under. When all’s said and done, just choose the most generous insurer out there!
Anti-theft system = - 30%
Anti-theft systems can be one of the most attractive ways to save money on your insurance. Some insurers offer up to 30% discount on car insurance premiums for installing an anti-theft system on your vehicle. You should also know that anti-theft marking on certain parts of of your vehicle or fitting a GPS tracking system can also lower your car insurance premiums.
Safe drivers = - 35%
Safe driving can save you money! If you are a safe driver without any driving violations or insurance claims for a specified number of years, you can be a winner. We did a search, and the best offer we found for a safe driving record was a 35% discount on car insurance. So be careful out there on the roads – it might just save your life as well as saving you money on your insurance.
One final piece of advice: the discounts mentioned above will not necessarily be cumulative, but you might benefit from some combinations when shopping around for your car insurance.
Don’t hesitate to share your experiences and any other tips with us. We look forward to hearing what you have to say! Do you think your family and friends might enjoy reading this article? Share it on social media.
5 February 2015
-
On the Road
This Way for Savings
Keeping tabs on your budget can help you enjoy the little pleasures in life, like vacations, gifts, dining out and lots more! Before you think about treating yourself though, here are some tips to help you really save money on your car insurance.
Reading :
8 minutes
Keeping tabs on your budget can help you enjoy the little pleasures in life, like vacations, gifts, dining out and lots more! Before you think about treating yourself though, here are some tips to help you really save money on your car insurance.
1 + 1 = - 10%
This might not look like it adds up, but here’s the deal: if you take out car and home insurance policies with the same insurer, you’ll qualify for additional discounts. How much you save will depend on how many insurance policies you take out, as well as the type of policy, but on the whole you can expect up to 10% discount. What’s more, if you insure more than one vehicle with the same insurer, you could even save up to 15%!
New vehicle = - 10%
If you have a new vehicle, you could enjoy a 10% discount. Discounts like this are always welcome when you’ve just made such a big purchase.
Students = - 20%
Young drivers, don’t feel left out! There are student discounts designed especially for younger drivers. The most generous discounts offer up to 20% savings on car insurance! So when you’re shopping around for your new policy, make sure you fit the insurer’s definition of a “young person”. Some insurers offer discounts for young people under age 24, but others stretch out the savings to those 30 and under. When all’s said and done, just choose the most generous insurer out there!
Anti-theft system = - 30%
Anti-theft systems can be one of the most attractive ways to save money on your insurance. Some insurers offer up to 30% discount on car insurance premiums for installing an anti-theft system on your vehicle. You should also know that anti-theft marking on certain parts of of your vehicle or fitting a GPS tracking system can also lower your car insurance premiums.
Safe drivers = - 35%
Safe driving can save you money! If you are a safe driver without any driving violations or insurance claims for a specified number of years, you can be a winner. We did a search, and the best offer we found for a safe driving record was a 35% discount on car insurance. So be careful out there on the roads – it might just save your life as well as saving you money on your insurance.
One final piece of advice: the discounts mentioned above will not necessarily be cumulative, but you might benefit from some combinations when shopping around for your car insurance.
Don’t hesitate to share your experiences and any other tips with us. We look forward to hearing what you have to say! Do you think your family and friends might enjoy reading this article? Share it on social media.
22 January 2015
-
Things We Love
SWITCH TO COMBINED!
Who wouldn’t like to save time, money, and energy? Everyone thinks it’s a great idea, but what insurer has really made it possible? Promutuel Insurance has overcome the technical challenges to provide better services online. Test it out!
Read
Reading :
1 minute
Who wouldn’t like to save time, money, and energy? Everyone thinks it’s a great idea, but what insurer has really made it possible? Promutuel Insurance has overcome the technical challenges to provide better services online. Test it out!
Promutuel Insurance now lets you request a single quote online for both your home and auto insurance. We are the first insurer in Québec to launch this type of combined online quote request. Now, in just 15 minutes online, you can get a quote for both your home and auto insurance. Tips are provided every step of the way to explain the more technical terms. When you’re done, you can save the information on the site using a code provided at the end of the process.
And as an added bonus, to celebrate this new online quote feature, Promutuel Insurance is holding the Double Up! contest to let you, well, double up. By playing, you can win 2 x $250 to spend at a renovation center for your home and on gas for your car. Check it out!
We can’t wait to hear what you think. Did it save you time? Was it easy to use? Let us know.
If you think this article could also save your friends and family time, share it on social networks.
22 January 2015
-
Things We Love
SWITCH TO COMBINED!
Who wouldn’t like to save time, money, and energy? Everyone thinks it’s a great idea, but what insurer has really made it possible? Promutuel Insurance has overcome the technical challenges to provide better services online. Test it out!
Read
Reading :
1 minute
Who wouldn’t like to save time, money, and energy? Everyone thinks it’s a great idea, but what insurer has really made it possible? Promutuel Insurance has overcome the technical challenges to provide better services online. Test it out!
Promutuel Insurance now lets you request a single quote online for both your home and auto insurance. We are the first insurer in Québec to launch this type of combined online quote request. Now, in just 15 minutes online, you can get a quote for both your home and auto insurance. Tips are provided every step of the way to explain the more technical terms. When you’re done, you can save the information on the site using a code provided at the end of the process.
And as an added bonus, to celebrate this new online quote feature, Promutuel Insurance is holding the Double Up! contest to let you, well, double up. By playing, you can win 2 x $250 to spend at a renovation center for your home and on gas for your car. Check it out!
We can’t wait to hear what you think. Did it save you time? Was it easy to use? Let us know.
If you think this article could also save your friends and family time, share it on social networks.
15 January 2015
-
Employment
Job prospects in insurance
Read
Reading :
2 minutes
You’ve decided: in 2015, you’re going to make a change! But what? Have you thought about a career in insurance? Don’t say no straightaway. Read on, and you just might be surprised.
Generally, the beginning of the year brings new goals and challenges we set. For inspiration when choosing changes or improvements to make, read our survey of the employment prospects in our sector, property and casualty insurance.
The first thing to note is that when we talk about the property and casualty insurance industry in Québec, we are talking about:
1,300 employers
24,000 direct jobs
14,500 certified positions
That’s a lot of people and activity!
We think two major fields hold the best career prospects:
1)Computer science
Insurance companies rely on computers. These organizations’ management is supported by complex, effective systems. Whether you are a programmer analyst, a project manager, an architect who specializes in application infrastructure or something else related to the field, you will find new possibilities, no matter your age or experience. At Promutuel Insurance, we are looking for new partners of all ages. And we promote work methods like Agile that encourage initiative in completing our projects.
2)The insurance professions
It may seem obvious, but what do we mean by insurance professions? At Promutuel Insurance, the term covers the following positions: insurance agents, claims advisors, prevention advisors,, etc.This year we are looking for candidates with diverse profiles, both specialists and managers, for a lean management environment. As of the beginning of the year, the claims sector has needed candidates for various positions, including recovery advisor..
If you want more information on careers in insurance and related training, we recommend visiting Pros de l’assurance.ca.
If you think your friends and family might find this article helpful, share it on social media.
15 January 2015
-
Employment
Job prospects in insurance
Read
Reading :
2 minutes
You’ve decided: in 2015, you’re going to make a change! But what? Have you thought about a career in insurance? Don’t say no straightaway. Read on, and you just might be surprised.
Generally, the beginning of the year brings new goals and challenges we set. For inspiration when choosing changes or improvements to make, read our survey of the employment prospects in our sector, property and casualty insurance.
The first thing to note is that when we talk about the property and casualty insurance industry in Québec, we are talking about:
1,300 employers
24,000 direct jobs
14,500 certified positions
That’s a lot of people and activity!
We think two major fields hold the best career prospects:
1)Computer science
Insurance companies rely on computers. These organizations’ management is supported by complex, effective systems. Whether you are a programmer analyst, a project manager, an architect who specializes in application infrastructure or something else related to the field, you will find new possibilities, no matter your age or experience. At Promutuel Insurance, we are looking for new partners of all ages. And we promote work methods like Agile that encourage initiative in completing our projects.
2)The insurance professions
It may seem obvious, but what do we mean by insurance professions? At Promutuel Insurance, the term covers the following positions: insurance agents, claims advisors, prevention advisors,, etc.This year we are looking for candidates with diverse profiles, both specialists and managers, for a lean management environment. As of the beginning of the year, the claims sector has needed candidates for various positions, including recovery advisor..
If you want more information on careers in insurance and related training, we recommend visiting Pros de l’assurance.ca.
If you think your friends and family might find this article helpful, share it on social media.
12 January 2015
-
At Home
The 10 Commandments of Home Insurance
Here are ten tips to avoid the “hell” of the unexpected and find “heavenly peace” in your home. Are you ready for a “revelation?” Then follow your guide!
Read
Reading :
10 minutes
Here are ten tips to avoid the “hell” of the unexpected and find “heavenly peace” in your home. Are you ready for a “revelation?” Then follow your guide!
1) Thou shalt understand the key principles of home insurance. It is important to understand that home insurance covers two types of risk: third-party liability and damage caused to your home. Third-party liability covers any injuries, accidents or property damage for which you are liable, for example, if you cause a fire which then spreads to another house in the neighbourhood. Third-party liability insurance coverage also extends to your spouse and to your children, even if they move away to attend school and live in their own apartment.
2) Thou shalt know how claims work. Insurance provides a benefit in the event of a loss caused by:
Fire
Some types of water damage
Theft or vandalism
However, some causes of losses are excluded from coverage under the policy, such as:
Flooding, landslides, earthquakes, rockslides
Pollution
War, acts of terrorism and nuclear attacks
Obviously, your insurance will not pay out for any property you have acquired illegally or any damage resulting from your own criminal actions. Does that really surprise you?
3) Thou shalt choose one’s policy. Two types of policy are generally available:
An all-perils policy, which covers all of the types of claims set out above in the second commandment.
or
A specified-perils policy covers your home against a specific range of losses. When you buy home insurance, you can choose to add additional coverage to your basic policy, such as to cover water damage to the foundations of your home, sewer back-up, and water damage above the foundations of your home. Another option covers swimming pools and hot tubs against damage caused by freezing, snow and ice.
4) Thou shalt make a home inventory. Remember, home insurance covers the contents of your home as well as the property itself. That’s why we recommend you draw up a home inventory. This will make things easier for you if you have to make a claim, and give you a solid base for determining the value of your assets. Consider attaching receipts to your inventory as well as videos or photos as proof of ownership, and make sure you keep a copy of the file off the premises.
It’s important to be aware that when it comes to the benefits payable, your basic policy will have a limit on the amount payable for each class of property. For example, in the event of theft, the maximum payable for electronic devices (computers, audio media, etc.) will generally be between $1,000 and $2,000. If your home inventory shows that your electronic devices are worth closer to $5,000, you can opt to increase your coverage. See the list of limits published by InfoInsurance for information about home insurance coverage options.
5) Thou shalt renew one’s insurance policy. Whenever you move house, you need to take out a new home insurance policy. However, once you have moved, your old home and your new home will remain covered by your previous insurance for a period of 30 days. Your old policy can be amended if there are any changes that apply for your new address. If you have to put any property in storage temporarily, this will also be covered. And if you decide to save money by asking friends to help you load your moving truck, and they get injured in the process, your insurance has it covered. Now there’s a solid argument to ask your friends for a helping hand!
6) Thou shalt negotiate on one’s policy. Most insurance companies will give you a discount if you insure your home, car and cottage under one roof.
7) Thou shalt make use of all means available. As well as contacting an insurance company, you can also request an online quote.
8) Thou shalt increase one’s deductible. Increasing the amount of your deductible can help lower your insurance costs, but only if you are sure you can pay the deductible if you need to file a claim. Generally speaking increasing your deductible from $250 to $500 is enough to make a difference.
9) Thou shalt protect one’s home. Installing an alarm system connected to a central monitoring station can often lead to a discount.
10) Thou shalt communicate with one’s insurance agent. Tell your agent about any plumbing or electrical work you have done, since a well-maintained property costs less to insure.
Now you’re ready to shop around for your new home insurance policy! Do you think your family and friends might enjoy reading this article? Share it on social media.
12 January 2015
-
At Home
The 10 Commandments of Home Insurance
Here are ten tips to avoid the “hell” of the unexpected and find “heavenly peace” in your home. Are you ready for a “revelation?” Then follow your guide!
Read
Reading :
10 minutes
Here are ten tips to avoid the “hell” of the unexpected and find “heavenly peace” in your home. Are you ready for a “revelation?” Then follow your guide!
1) Thou shalt understand the key principles of home insurance. It is important to understand that home insurance covers two types of risk: third-party liability and damage caused to your home. Third-party liability covers any injuries, accidents or property damage for which you are liable, for example, if you cause a fire which then spreads to another house in the neighbourhood. Third-party liability insurance coverage also extends to your spouse and to your children, even if they move away to attend school and live in their own apartment.
2) Thou shalt know how claims work. Insurance provides a benefit in the event of a loss caused by:
Fire
Some types of water damage
Theft or vandalism
However, some causes of losses are excluded from coverage under the policy, such as:
Flooding, landslides, earthquakes, rockslides
Pollution
War, acts of terrorism and nuclear attacks
Obviously, your insurance will not pay out for any property you have acquired illegally or any damage resulting from your own criminal actions. Does that really surprise you?
3) Thou shalt choose one’s policy. Two types of policy are generally available:
An all-perils policy, which covers all of the types of claims set out above in the second commandment.
or
A specified-perils policy covers your home against a specific range of losses. When you buy home insurance, you can choose to add additional coverage to your basic policy, such as to cover water damage to the foundations of your home, sewer back-up, and water damage above the foundations of your home. Another option covers swimming pools and hot tubs against damage caused by freezing, snow and ice.
4) Thou shalt make a home inventory. Remember, home insurance covers the contents of your home as well as the property itself. That’s why we recommend you draw up a home inventory. This will make things easier for you if you have to make a claim, and give you a solid base for determining the value of your assets. Consider attaching receipts to your inventory as well as videos or photos as proof of ownership, and make sure you keep a copy of the file off the premises.
It’s important to be aware that when it comes to the benefits payable, your basic policy will have a limit on the amount payable for each class of property. For example, in the event of theft, the maximum payable for electronic devices (computers, audio media, etc.) will generally be between $1,000 and $2,000. If your home inventory shows that your electronic devices are worth closer to $5,000, you can opt to increase your coverage. See the list of limits published by InfoInsurance for information about home insurance coverage options.
5) Thou shalt renew one’s insurance policy. Whenever you move house, you need to take out a new home insurance policy. However, once you have moved, your old home and your new home will remain covered by your previous insurance for a period of 30 days. Your old policy can be amended if there are any changes that apply for your new address. If you have to put any property in storage temporarily, this will also be covered. And if you decide to save money by asking friends to help you load your moving truck, and they get injured in the process, your insurance has it covered. Now there’s a solid argument to ask your friends for a helping hand!
6) Thou shalt negotiate on one’s policy. Most insurance companies will give you a discount if you insure your home, car and cottage under one roof.
7) Thou shalt make use of all means available. As well as contacting an insurance company, you can also request an online quote.
8) Thou shalt increase one’s deductible. Increasing the amount of your deductible can help lower your insurance costs, but only if you are sure you can pay the deductible if you need to file a claim. Generally speaking increasing your deductible from $250 to $500 is enough to make a difference.
9) Thou shalt protect one’s home. Installing an alarm system connected to a central monitoring station can often lead to a discount.
10) Thou shalt communicate with one’s insurance agent. Tell your agent about any plumbing or electrical work you have done, since a well-maintained property costs less to insure.
Now you’re ready to shop around for your new home insurance policy! Do you think your family and friends might enjoy reading this article? Share it on social media.
9 January 2015
-
On the Road
“Surviving” winter in your vehicle
Both the snow and the temperature are falling. This week, our thermometers showed a glacial -25°! You’ve probably seen worse...
Read
Reading :
5 minutes
Both the snow and the temperature are falling. This week, our thermometers showed a glacial -25°! You’ve probably seen worse. Driving through snow, over ice, and in storms doesn’t scare you. But are you really prepared for anything? If you have difficulty answering the following questions, it’s time to regain control of your winter driving.
Do you check the driving conditions before setting out?
We certainly hope your answer is a resounding YES, especially before a long car ride. For reliable information, consult The Weather Network’s highway conditions map. It provides the current weather conditions and forecasts for the entire road system. The map shows road visibility and the state of the road surface (covered or closed roads). In short, it’s your GO-TO source for weather information this winter.
Do you have an emergency kit in your vehicle?
Thinkinsurance companies are being overly cautious ? If you’re a regular reader of the news, you know that we are neither alarmists nor naturally anxious, just realistic. So we recommend having an emergency kit in your trunk in case you break down or have an accident. At the very least, it should contain a shovel, a snow brush, a scraper, traction mats (or a bag of an abrasive substance), and winter windshield washer fluid. For more information on the equipment you should have in your vehicle, read the latest post on our blog.
Do you have good reflexes?
What do you think is the best way to react when your front wheels skid? This happens frequently, especially when you enter a turn a bit too fast. To stop the skid, remove your foot from the accelerator or brake and gradually turn the wheels in the direction of the curve in the road. Now, if the opposite happens and your vehicle’s rear wheels skid, we recommend turning the front wheels in the same direction as the rear wheels. If you skid again, be prepared to repeat the manoeuver. Be quick and gentle, and never lose sight of the road or the vehicles you’re following.
Do you know all the winter road hazards?
Does black ice mean anything to you? You think the pavement is dry when it is actually covered in ice. Black ice is invisible to the eye and forms when the temperature hovers around 0°C.
What about those “igloos” on wheels? Even though clearing off your car is time consuming and tedious, if you get behind the wheel without removing the snow from the roof, windows, license plate, or other parts of your vehicle, you could be a danger to yourself or other motorists.
Do you know the distance to maintain between your vehicle and the one in front of you?
You should maintain a distance of up to six seconds—enough to anticipate the need to brake—between your vehicle and the one in front of you.
Do you know what parts of your vehicle are affected the most by winter accidents?
That’s right. It’s the bumpers! When the roads are icy, the parts most affected by accidents are the front and rear ends of vehicles. Body shops replace a staggering amount of bumpers these days. They estimate that a bumper costs between $600 and $900 on average, not including the cost of installation. But prices vary from one make to another. Also the cold weakens bumpers because the plastic loses its flexibility and can shatter like glass!
If you didn’t get all the questions right, we hope this little test will give you some ideas of things look into. And since we’re full of good ideas, here are a few more for easily starting your vehicle during the winter.
An engine heater can be a big help in starting your vehicle. Besides warming the engine’s components, it saves fuel over the first 20 kilometers and heats the passenger compartment 40% faster than vehicles without one. Rates for engine heater installation range between $50 and $200, depending on the model.
Despite the slightly higher cost, synthetic oil, which has a more fluid texture, is your vehicle’s best ally when it starts..
Don’t wear yourself out trying to start your vehicle by pressing the accelerator to the floor for more than 10 seconds. If it doesn’t work the first time, wait 30 seconds and then try again. This trick enables air and fuel to mix without risking a flooded engine.
Now you’re ready to brave the long Québec winter. If you think your family and friends may be interested in this advice, share it on social media. And if you have questions, tips, or tricks, share them with us on the blog..
9 January 2015
-
On the Road
“Surviving” winter in your vehicle
Both the snow and the temperature are falling. This week, our thermometers showed a glacial -25°! You’ve probably seen worse...
Read
Reading :
5 minutes
Both the snow and the temperature are falling. This week, our thermometers showed a glacial -25°! You’ve probably seen worse. Driving through snow, over ice, and in storms doesn’t scare you. But are you really prepared for anything? If you have difficulty answering the following questions, it’s time to regain control of your winter driving.
Do you check the driving conditions before setting out?
We certainly hope your answer is a resounding YES, especially before a long car ride. For reliable information, consult The Weather Network’s highway conditions map. It provides the current weather conditions and forecasts for the entire road system. The map shows road visibility and the state of the road surface (covered or closed roads). In short, it’s your GO-TO source for weather information this winter.
Do you have an emergency kit in your vehicle?
Thinkinsurance companies are being overly cautious ? If you’re a regular reader of the news, you know that we are neither alarmists nor naturally anxious, just realistic. So we recommend having an emergency kit in your trunk in case you break down or have an accident. At the very least, it should contain a shovel, a snow brush, a scraper, traction mats (or a bag of an abrasive substance), and winter windshield washer fluid. For more information on the equipment you should have in your vehicle, read the latest post on our blog.
Do you have good reflexes?
What do you think is the best way to react when your front wheels skid? This happens frequently, especially when you enter a turn a bit too fast. To stop the skid, remove your foot from the accelerator or brake and gradually turn the wheels in the direction of the curve in the road. Now, if the opposite happens and your vehicle’s rear wheels skid, we recommend turning the front wheels in the same direction as the rear wheels. If you skid again, be prepared to repeat the manoeuver. Be quick and gentle, and never lose sight of the road or the vehicles you’re following.
Do you know all the winter road hazards?
Does black ice mean anything to you? You think the pavement is dry when it is actually covered in ice. Black ice is invisible to the eye and forms when the temperature hovers around 0°C.
What about those “igloos” on wheels? Even though clearing off your car is time consuming and tedious, if you get behind the wheel without removing the snow from the roof, windows, license plate, or other parts of your vehicle, you could be a danger to yourself or other motorists.
Do you know the distance to maintain between your vehicle and the one in front of you?
You should maintain a distance of up to six seconds—enough to anticipate the need to brake—between your vehicle and the one in front of you.
Do you know what parts of your vehicle are affected the most by winter accidents?
That’s right. It’s the bumpers! When the roads are icy, the parts most affected by accidents are the front and rear ends of vehicles. Body shops replace a staggering amount of bumpers these days. They estimate that a bumper costs between $600 and $900 on average, not including the cost of installation. But prices vary from one make to another. Also the cold weakens bumpers because the plastic loses its flexibility and can shatter like glass!
If you didn’t get all the questions right, we hope this little test will give you some ideas of things look into. And since we’re full of good ideas, here are a few more for easily starting your vehicle during the winter.
An engine heater can be a big help in starting your vehicle. Besides warming the engine’s components, it saves fuel over the first 20 kilometers and heats the passenger compartment 40% faster than vehicles without one. Rates for engine heater installation range between $50 and $200, depending on the model.
Despite the slightly higher cost, synthetic oil, which has a more fluid texture, is your vehicle’s best ally when it starts..
Don’t wear yourself out trying to start your vehicle by pressing the accelerator to the floor for more than 10 seconds. If it doesn’t work the first time, wait 30 seconds and then try again. This trick enables air and fuel to mix without risking a flooded engine.
Now you’re ready to brave the long Québec winter. If you think your family and friends may be interested in this advice, share it on social media. And if you have questions, tips, or tricks, share them with us on the blog..
19 December 2014
-
Safety and Prevention
Prevention Tips for a Happy Holiday Season
It’s no secret that we all like to relax over the Holidays and allow ourselves a few more excesses than usual. 'Tis the season!
Reading :
7 minutes
It’s no secret that we all like to relax over the Holidays and allow ourselves a few more excesses than usual. 'Tis the season! However, as your insurer, our top priority is to make sure everything goes smoothly for your or your loved ones without any hassle. When it comes to getting ready for the festivities in your family, you’re the boss. And we’ll be happy to give you a “Christmas hamper” full of practical tips to make sure the Holidays really are the most wonderful time of the year for you.
Safety at the dinner table
Are you a fondue fan? If you’re looking for a fun (and easy!) dish to share, fondue is hard to beat. Picture the scene: you’re having fun, dipping into the fondue pot and drinking plenty of wine, when all of a sudden the burner goes out. There’s still lots of cheese in the pot though, so you need to fill up the burner to keep the fondue going. Be careful, though! You should never pour fondue fuel into a hot burner. Why not? Heat plus fuel equals fire, and you’ve invested far too mush in your party outfit and table decorations to see all of your efforts go up in a puff of smoke! The solution: either use a second burner, or rinse the hot one out with cold water before refilling it. If you want our opinion, it’s far preferable, and less risky, to make sure you have a second burner at the ready in case you need it!
Cosy up in front of an open fire, but be safe
There’s nothing cosier than relaxing in front of an open fire, right? True, but only if you’ve had your chimney swept and inspected before you light your first fire of the season. You should know that creosote can build up in chimneys and ducts, which might start a chimney fire. Once you’ve made sure your chimney is safe, go right ahead and light the fire, but don’t forget to use a fireguard, otherwise a stray spark might just set your carpet, your Christmas tree or your clothes on fire too! Candles can also help create a cosy atmosphere. Just be sure never to leave the room without blowing them put first! To be safe, avoid putting candles on the Christmas tree and placing them near curtains, armchairs, carpets and other parts of your decor that might catch fire.
O Christmas Tree, O Christmas Tree...
Nothing says “Christmas” quite like a real tree. And if you want to keep your tree looking healthy all through the Holiday season, you need to keep the base well watered. We recommend watering your tree once a day. Also bear in mind that your natural tree can catch fire very quickly through contact with the Christmas lights on its branches. Be sure to only use low-energy bulbs designed for indoor use. Here are sometips that just make sense:
- Turn your tree lights off whenever you leave the house
- Turn your tree lights off when you go to bed
Plug in, but don’t blow a fuse
It’s so tempting to plug all of your tree lights and other Holiday decorations into the same plug socket. But doing so can quickly become a recipe for disaster! To prevent accidents, use a safe power bar and keep it easily accessible. Time to say goodbye to that old frayed extension cord!
Clear snow build-up to stop your roof caving in
Over the Holidays, and in fact all winter long, be sure to clear the snow from the roof of your house, garage and garden shed regularly to prevent it in due to the weight of the snow.
Keep a cool head behind the wheel
When you get behind the wheel to go visit family and friends, you might be in for a short or a long drive. Since weather conditions can change quickly in the winter time, it’s best to prepare for the worst.
What should you do if you’re trapped in your car during a snowstorm? First of all, it might not be easy, but don’t panic. Whatever you do, stay inside the car, even if you’re waiting for help, unless you know you can get help nearby and only if you can walk for help safely. Make sure you’re visible, by turning on your four-way flashers or lighting a flare. If you have to stay in your car for a long time, run the engine for only about 10 minutes every hour and keep the window opened slightly on the side away from the wind to prevent the build-up of carbon monoxide. Also make sure the tail exhaust pipe is not blocked by snow. Stay warm inside the car by bundling up in a blanket. If someone else is in the car with you, share the blanket. That way, you’ll both give off more heat. Be sure to cover your head and neck too. Also, make sure you don’t fall asleep. Keep moving regularly and do some exercises to keep the circulation going. Finally, be on the lookout for signs of frostbite or hypothermia.
Prepare a survival kit for your car
In an emergency, a survival kit is a must. Here’s what your kit should contain:
Properly fitting tire chains
Bag of sand or road salt
Traction mats
Snow shovel, snow brush, ice scrape
Booster cables
Warning devices (flares, emergency lights)
Fuel line de-icer (methanol, also called methyl alcohol or methyl hydrate)
Extra windshield washer fluid appropriate for sub-freezing temperatures
Flashlight and portable flashing lights (and spare batteries)
Blanket
Extra clothing, including hat, wind-proof pants and warm boots
First aid kit
Food (granola bars, etc.)
Help signs, devices or other brightly-coloured banners
Now you’re ready to face the worst winter can throw at you and any obstacles that might get in your way! We hope you have a wonderful winter Holiday surrounded by those you love. But just in case you do happen to get into trouble, we’re here to help.
Do you think your family and friends might enjoy reading this article? Share it on social media.
19 December 2014
-
Safety and Prevention
Prevention Tips for a Happy Holiday Season
It’s no secret that we all like to relax over the Holidays and allow ourselves a few more excesses than usual. 'Tis the season!
Reading :
7 minutes
It’s no secret that we all like to relax over the Holidays and allow ourselves a few more excesses than usual. 'Tis the season! However, as your insurer, our top priority is to make sure everything goes smoothly for your or your loved ones without any hassle. When it comes to getting ready for the festivities in your family, you’re the boss. And we’ll be happy to give you a “Christmas hamper” full of practical tips to make sure the Holidays really are the most wonderful time of the year for you.
Safety at the dinner table
Are you a fondue fan? If you’re looking for a fun (and easy!) dish to share, fondue is hard to beat. Picture the scene: you’re having fun, dipping into the fondue pot and drinking plenty of wine, when all of a sudden the burner goes out. There’s still lots of cheese in the pot though, so you need to fill up the burner to keep the fondue going. Be careful, though! You should never pour fondue fuel into a hot burner. Why not? Heat plus fuel equals fire, and you’ve invested far too mush in your party outfit and table decorations to see all of your efforts go up in a puff of smoke! The solution: either use a second burner, or rinse the hot one out with cold water before refilling it. If you want our opinion, it’s far preferable, and less risky, to make sure you have a second burner at the ready in case you need it!
Cosy up in front of an open fire, but be safe
There’s nothing cosier than relaxing in front of an open fire, right? True, but only if you’ve had your chimney swept and inspected before you light your first fire of the season. You should know that creosote can build up in chimneys and ducts, which might start a chimney fire. Once you’ve made sure your chimney is safe, go right ahead and light the fire, but don’t forget to use a fireguard, otherwise a stray spark might just set your carpet, your Christmas tree or your clothes on fire too! Candles can also help create a cosy atmosphere. Just be sure never to leave the room without blowing them put first! To be safe, avoid putting candles on the Christmas tree and placing them near curtains, armchairs, carpets and other parts of your decor that might catch fire.
O Christmas Tree, O Christmas Tree...
Nothing says “Christmas” quite like a real tree. And if you want to keep your tree looking healthy all through the Holiday season, you need to keep the base well watered. We recommend watering your tree once a day. Also bear in mind that your natural tree can catch fire very quickly through contact with the Christmas lights on its branches. Be sure to only use low-energy bulbs designed for indoor use. Here are sometips that just make sense:
- Turn your tree lights off whenever you leave the house
- Turn your tree lights off when you go to bed
Plug in, but don’t blow a fuse
It’s so tempting to plug all of your tree lights and other Holiday decorations into the same plug socket. But doing so can quickly become a recipe for disaster! To prevent accidents, use a safe power bar and keep it easily accessible. Time to say goodbye to that old frayed extension cord!
Clear snow build-up to stop your roof caving in
Over the Holidays, and in fact all winter long, be sure to clear the snow from the roof of your house, garage and garden shed regularly to prevent it in due to the weight of the snow.
Keep a cool head behind the wheel
When you get behind the wheel to go visit family and friends, you might be in for a short or a long drive. Since weather conditions can change quickly in the winter time, it’s best to prepare for the worst.
What should you do if you’re trapped in your car during a snowstorm? First of all, it might not be easy, but don’t panic. Whatever you do, stay inside the car, even if you’re waiting for help, unless you know you can get help nearby and only if you can walk for help safely. Make sure you’re visible, by turning on your four-way flashers or lighting a flare. If you have to stay in your car for a long time, run the engine for only about 10 minutes every hour and keep the window opened slightly on the side away from the wind to prevent the build-up of carbon monoxide. Also make sure the tail exhaust pipe is not blocked by snow. Stay warm inside the car by bundling up in a blanket. If someone else is in the car with you, share the blanket. That way, you’ll both give off more heat. Be sure to cover your head and neck too. Also, make sure you don’t fall asleep. Keep moving regularly and do some exercises to keep the circulation going. Finally, be on the lookout for signs of frostbite or hypothermia.
Prepare a survival kit for your car
In an emergency, a survival kit is a must. Here’s what your kit should contain:
Properly fitting tire chains
Bag of sand or road salt
Traction mats
Snow shovel, snow brush, ice scrape
Booster cables
Warning devices (flares, emergency lights)
Fuel line de-icer (methanol, also called methyl alcohol or methyl hydrate)
Extra windshield washer fluid appropriate for sub-freezing temperatures
Flashlight and portable flashing lights (and spare batteries)
Blanket
Extra clothing, including hat, wind-proof pants and warm boots
First aid kit
Food (granola bars, etc.)
Help signs, devices or other brightly-coloured banners
Now you’re ready to face the worst winter can throw at you and any obstacles that might get in your way! We hope you have a wonderful winter Holiday surrounded by those you love. But just in case you do happen to get into trouble, we’re here to help.
Do you think your family and friends might enjoy reading this article? Share it on social media.
9 December 2014
-
Safety and Prevention
Golden Rules for Joint Reports
So the driver of the car behind you didn’t see you brake. Right up to the last second, you thought the driver must have seen you and was going to stop in time, but then you felt the impact. Fortunately, nobody’s hurt, but you still need to draw up a report. Here’s how to go about it.
Reading :
7 minutes
So the driver of the car behind you didn’t see you brake. Right up to the last second, you thought the driver must have seen you and was going to stop in time, but then you felt the impact. Fortunately, nobody’s hurt, but you still need to draw up a report. Here’s how to go about it.
1. If you are involved in a car accident, if nobody is hurt, you do not have to call the police. A joint report of the accident will be sufficient for your insurer. The rule is valid for all car insurance companies in Québec.
2. The joint report is only used to identify the individuals and vehicles involved in the incident, to describe what happened and to report the damage caused to the vehicles. By filling out this document, you are not admitting any fault. Liability for the accident is determined according to the Direct Compensation Agreement, a charter among insurers that sets certain criteria for establishing who is at fault.
3: This document can speed up the claims process by providing driver’s licence numbers, licence plate details and insurance certificates to the parties’ insurance companies. Other than these details, the joint report contains information about the damage caused to the vehicles involved, a sketch of the accident scene, as well as information about potential witnesses. Not that only one joint report needs to be completed for an accident involving two vehicles. For a three-vehicle accident, two reports are required, and so on.
Practical info: You can obtain a joint report form online free of charge at infoinsurance.ca. The best thing is to always have one on hand by keeping a copy in your vehicle, wherever you go.
Doesn’t that set your mind at ease? Now you have all the information you need to handle the situation if you are involved in a car accident. Just relax and keep your eyes on the road!
Do you think your family and friends might enjoy reading this article? Share it on social media! If you’ve ever been in a car accident and want to share your experience, feel free to tell us about us in the comments section of this blog article.
9 December 2014
-
Safety and Prevention
Golden Rules for Joint Reports
So the driver of the car behind you didn’t see you brake. Right up to the last second, you thought the driver must have seen you and was going to stop in time, but then you felt the impact. Fortunately, nobody’s hurt, but you still need to draw up a report. Here’s how to go about it.
Reading :
7 minutes
So the driver of the car behind you didn’t see you brake. Right up to the last second, you thought the driver must have seen you and was going to stop in time, but then you felt the impact. Fortunately, nobody’s hurt, but you still need to draw up a report. Here’s how to go about it.
1. If you are involved in a car accident, if nobody is hurt, you do not have to call the police. A joint report of the accident will be sufficient for your insurer. The rule is valid for all car insurance companies in Québec.
2. The joint report is only used to identify the individuals and vehicles involved in the incident, to describe what happened and to report the damage caused to the vehicles. By filling out this document, you are not admitting any fault. Liability for the accident is determined according to the Direct Compensation Agreement, a charter among insurers that sets certain criteria for establishing who is at fault.
3: This document can speed up the claims process by providing driver’s licence numbers, licence plate details and insurance certificates to the parties’ insurance companies. Other than these details, the joint report contains information about the damage caused to the vehicles involved, a sketch of the accident scene, as well as information about potential witnesses. Not that only one joint report needs to be completed for an accident involving two vehicles. For a three-vehicle accident, two reports are required, and so on.
Practical info: You can obtain a joint report form online free of charge at infoinsurance.ca. The best thing is to always have one on hand by keeping a copy in your vehicle, wherever you go.
Doesn’t that set your mind at ease? Now you have all the information you need to handle the situation if you are involved in a car accident. Just relax and keep your eyes on the road!
Do you think your family and friends might enjoy reading this article? Share it on social media! If you’ve ever been in a car accident and want to share your experience, feel free to tell us about us in the comments section of this blog article.
9 December 2014
-
On the Road
Reduce the Risk of Car Theft
Read
Reading :
6 minutes
Car theft isn’t something that only happens to others. With 39,000 vehicles stolen in Québec every year, the numbers speak for themselves. Get some advice from Promutuel Insurance.
Never leave your vehicle’s engine running, not even for a few seconds or when you’re at home. Vehicles are often stolen at gas stations or from shopping mall and airport parking lots.
Keep valuables out of sight in the trunk: wallet, purse, camera, laptop, tablet, etc.
Never leave your vehicle registration, insurance papers and driver’s licence in your car. If your car happens to be stopped by the police before you report it stolen, the thief could simply explain that you’ve loaned him your car and drive away scot free!
Lock your wheels by turning them into the curb and using the parking brake.
Choose a secure, well-lit parking lot.
Always take your keys with you.
Don’t put your name or address on your keychain.
Don’t hide a spare key inside or on the outside of your vehicle.
Close the windows and sunroof,and lock the doors and trunk of your vehicle, even just for a short time and when parked in your driveway.
Fit an anti-theft device to your vehicle. As a bonus, if your vehicle has one of these devices, you could get a discount on your car insurance.
To learn more, see the guide to preventing auto theft published by the Insurance Bureau of Canada.
Now you have all the information you need to know to protect your car against theft. Safe driving!
Do you think your family and friends might enjoy reading this article? Share it!
9 December 2014
-
On the Road
Reduce the Risk of Car Theft
Read
Reading :
6 minutes
Car theft isn’t something that only happens to others. With 39,000 vehicles stolen in Québec every year, the numbers speak for themselves. Get some advice from Promutuel Insurance.
Never leave your vehicle’s engine running, not even for a few seconds or when you’re at home. Vehicles are often stolen at gas stations or from shopping mall and airport parking lots.
Keep valuables out of sight in the trunk: wallet, purse, camera, laptop, tablet, etc.
Never leave your vehicle registration, insurance papers and driver’s licence in your car. If your car happens to be stopped by the police before you report it stolen, the thief could simply explain that you’ve loaned him your car and drive away scot free!
Lock your wheels by turning them into the curb and using the parking brake.
Choose a secure, well-lit parking lot.
Always take your keys with you.
Don’t put your name or address on your keychain.
Don’t hide a spare key inside or on the outside of your vehicle.
Close the windows and sunroof,and lock the doors and trunk of your vehicle, even just for a short time and when parked in your driveway.
Fit an anti-theft device to your vehicle. As a bonus, if your vehicle has one of these devices, you could get a discount on your car insurance.
To learn more, see the guide to preventing auto theft published by the Insurance Bureau of Canada.
Now you have all the information you need to know to protect your car against theft. Safe driving!
Do you think your family and friends might enjoy reading this article? Share it!
8 December 2014
-
About us
Promutuel Insurance new blog
Promutuel Insurance is pleased to present its new blog, a place where we facilitate day-to-day life, share our passions and offer opportunities for informal exchanges.
Reading :
1 minute
Promutuel Insurance is pleased to present its new blog, a place where we facilitate day-to-day life, share our passions and offer opportunities for informal exchanges.
8 December 2014
-
About us
Promutuel Insurance new blog
Promutuel Insurance is pleased to present its new blog, a place where we facilitate day-to-day life, share our passions and offer opportunities for informal exchanges.
Reading :
1 minute
Promutuel Insurance is pleased to present its new blog, a place where we facilitate day-to-day life, share our passions and offer opportunities for informal exchanges.
8 December 2014
-
Things We Love
The Mechanics of Happiness
Every day brings its fair share of emotions and some can be positive, some negative. If you want to stay in tune with the little things in life that make you feel happy, there’s a solution we’d like to share with you!
Reading :
2 minutes
Every day brings its fair share of emotions and some can be positive, some negative. If you want to stay in tune with the little things in life that make you feel happy, there’s a solution we’d like to share with you!
Throughout your day, there are probably times that give you a real sense of well-being, a feeling of sweet, perhaps sneaky, satisfaction. It might be seeing a stranger smile at you, someone doing you a good deed or a showing you a courtesy, hearing a kind word from someone you care about, getting a pat on the back at work, seeing a rainbow on your way home, or any other fleeting feel-good moment. The trouble is, it’s easy to forget the little things like these and hard to hang on to the beneficial effects.
Just wait until you see this, though: recently, a new device, called the HAPItrack, hit the market. This little gizmo lets you track and keep count of these “HAPI Moments” to help you remember the things that make you feel happy.
The HAPItrack is easy to use. Just press a single button to indicate on a scale of 1 to 10 the intensity of the emotions you feel at any given time in your day. It comes with an app that tells you at the end of the day about your “HAPI Moments” and shows you your levels of happiness throughout the day.
Also from the same company is the HAPIwatch, a smartwatch that keeps track of your sleep and stress levels. Worn on your wrist, it also measures your heart rate.
Before you find a new friend in HAPItrack, why not take a moment right now to tell us about the moments that make you feel happy? We look forward to hearing what you have to say! Do you think this article might inspire your friends and family? Share it on social media.
8 December 2014
-
Things We Love
The Mechanics of Happiness
Every day brings its fair share of emotions and some can be positive, some negative. If you want to stay in tune with the little things in life that make you feel happy, there’s a solution we’d like to share with you!
Reading :
2 minutes
Every day brings its fair share of emotions and some can be positive, some negative. If you want to stay in tune with the little things in life that make you feel happy, there’s a solution we’d like to share with you!
Throughout your day, there are probably times that give you a real sense of well-being, a feeling of sweet, perhaps sneaky, satisfaction. It might be seeing a stranger smile at you, someone doing you a good deed or a showing you a courtesy, hearing a kind word from someone you care about, getting a pat on the back at work, seeing a rainbow on your way home, or any other fleeting feel-good moment. The trouble is, it’s easy to forget the little things like these and hard to hang on to the beneficial effects.
Just wait until you see this, though: recently, a new device, called the HAPItrack, hit the market. This little gizmo lets you track and keep count of these “HAPI Moments” to help you remember the things that make you feel happy.
The HAPItrack is easy to use. Just press a single button to indicate on a scale of 1 to 10 the intensity of the emotions you feel at any given time in your day. It comes with an app that tells you at the end of the day about your “HAPI Moments” and shows you your levels of happiness throughout the day.
Also from the same company is the HAPIwatch, a smartwatch that keeps track of your sleep and stress levels. Worn on your wrist, it also measures your heart rate.
Before you find a new friend in HAPItrack, why not take a moment right now to tell us about the moments that make you feel happy? We look forward to hearing what you have to say! Do you think this article might inspire your friends and family? Share it on social media.
8 December 2014
-
Family
Smart Stuffies
Read
Reading :
2 minutes
Having a hard time getting your kids to do their homework or brush their teeth? They might put up a fight when you’re the one asking, but how can they say no to adorable Ubooly?
Ubooly is a new breed of stuffed animal, one that will not only be a best friend for kids, but also a teacher to help them learn and have fun in the process. Ubooly has so much to offer! With its soft plush fur and such a cute face, this is one stuffed toy that truly does promise to make your life easier. Just download the app to your smartphone or tablet and slip the device under Ubooly’s fur to transform the stuffed toy into a “teacher” that can converse with your child.
Ubooly can recite your child’s homework, teach him or her some basic Japanese, and talk him or her through science experiments, to name but a few things. When homework time is over, Ubooly can even tell stories and sing along to your child’s favourite songs. Finally, when it’s sleepy time, Ubooly reminds your child to brush his or her teeth before bed. Ubooly isn’t just a gadget. In fact, the manufacturer worked with a whole team of teachers and pediatricians to develop the educational content so you know you can count on Ubooly’s teaching methods.
So would this stuffie be “smart” enough to win your trust? We’re curious to see what you think. Do you think this article might resonate with your family and friends? Share it on social media.
8 December 2014
-
Family
Smart Stuffies
Read
Reading :
2 minutes
Having a hard time getting your kids to do their homework or brush their teeth? They might put up a fight when you’re the one asking, but how can they say no to adorable Ubooly?
Ubooly is a new breed of stuffed animal, one that will not only be a best friend for kids, but also a teacher to help them learn and have fun in the process. Ubooly has so much to offer! With its soft plush fur and such a cute face, this is one stuffed toy that truly does promise to make your life easier. Just download the app to your smartphone or tablet and slip the device under Ubooly’s fur to transform the stuffed toy into a “teacher” that can converse with your child.
Ubooly can recite your child’s homework, teach him or her some basic Japanese, and talk him or her through science experiments, to name but a few things. When homework time is over, Ubooly can even tell stories and sing along to your child’s favourite songs. Finally, when it’s sleepy time, Ubooly reminds your child to brush his or her teeth before bed. Ubooly isn’t just a gadget. In fact, the manufacturer worked with a whole team of teachers and pediatricians to develop the educational content so you know you can count on Ubooly’s teaching methods.
So would this stuffie be “smart” enough to win your trust? We’re curious to see what you think. Do you think this article might resonate with your family and friends? Share it on social media.
8 December 2014
-
Farm News
Québec Farms in Debt
Read
Reading :
3 minutes
Debt levels among Québec farms remain the highest in Canada, but are not necessarily excessive.
Many analyses and statements have been made in recent years about debt levels on Québec farms. The St-Pierre Report in 1999 found that farms in Québec were over-indebted and that the policies to support farmers were an obstacle to effective financial management on farms.
Last June, the Institut de recherche en économie contemporaine (IREC) released a study on debt levels on Québec farms, which paints a more positive picture.
In fact, while the average debt level of farms in Québec is higher than elsewhere in Canada, it has not become excessive. Farmers are getting a leverage effect from their loans, which increases their investment capacity and boosts their return on equity. “The capital productivity, and especially the economic profitability, of Québec farms really stand out on a cross-Canada scale,” explained François L’Italien, Lyne Nantel and Clément Bélanger Bishinga, project managers at IREC and authors of the study.
This new look at farming operations shows that the industry is doing well in the current economic and financial climate in North America. That’s good news for the province!
What do you think about the findings of this study? Share your opinion.
Do you think this article might spur your friends and family to take action? Share it on social media!
8 December 2014
-
Farm News
Québec Farms in Debt
Read
Reading :
3 minutes
Debt levels among Québec farms remain the highest in Canada, but are not necessarily excessive.
Many analyses and statements have been made in recent years about debt levels on Québec farms. The St-Pierre Report in 1999 found that farms in Québec were over-indebted and that the policies to support farmers were an obstacle to effective financial management on farms.
Last June, the Institut de recherche en économie contemporaine (IREC) released a study on debt levels on Québec farms, which paints a more positive picture.
In fact, while the average debt level of farms in Québec is higher than elsewhere in Canada, it has not become excessive. Farmers are getting a leverage effect from their loans, which increases their investment capacity and boosts their return on equity. “The capital productivity, and especially the economic profitability, of Québec farms really stand out on a cross-Canada scale,” explained François L’Italien, Lyne Nantel and Clément Bélanger Bishinga, project managers at IREC and authors of the study.
This new look at farming operations shows that the industry is doing well in the current economic and financial climate in North America. That’s good news for the province!
What do you think about the findings of this study? Share your opinion.
Do you think this article might spur your friends and family to take action? Share it on social media!