Frequently Asked Questions
FAQ
Car insurance
Every vehicle owner is required to have at least $50,000 in liability insurance, but people generally choose $2,000,000. This is called “one-way insurance.” However, you can add coverage for damage to your vehicle caused by a collision or rollover, theft, fire, vandalism, wind, or hail, to name but a few. This is called “two-way insurance.”
Learn more here: Car Accidents: At Fault or Not?
Bundle your policies: Combine home and car insurance to get discounts.
Multiple vehicle discount: Get a multiple vehicle discount by insuring your cars and recreational vehicles with Promutuel Insurance.
Increase your deductibles: Contact your damage insurance representative to adjust your deductibles. By increasing your deductible, you could lower your insurance premium.
Contact us to discuss these car insurance discounts and find the solution that’s right for you! Interested in insurance? Learn more in just a few minutes by reading one of our many articles on the subject!
Your car insurance generally covers damage caused by a natural disaster.
Here are some examples of natural disasters we cover:
- Rising water levels
- Flooding
- Lightning
- Windstorms
- Hail
- Earthquakes
However, these events are covered provided you have “Comprehensive,” “Specific perils,” or “All perils other than collision or upset” insurance.
Read our article to protect yourself properly:
Does your car insurance cover it if something hits your car?
Your car insurance covers damage to your vehicle, within the limits of your policy. In the case of physical damage or bodily injury to others, the third-party liability of your car insurance policy comes into play. If you’re a Québec resident, the Société de l’assurance automobile du Québec (SAAQ) covers you for injuries sustained in a road accident, even if the accident occurs in the United States.
View our article to travel with peace of mind:
Yes, because once your vehicle is in storage, it may benefit from different coverage. Storing your vehicle also entitles you to a storage credit for the duration of the storage period. Please see a damage insurance representative for more information. Please note that some vehicles are not eligible for a storage credit. This is the case for motorcycles and snowmobiles, which are not eligible for a storage credit.
Yes, we recommend that you keep your vehicle insured while it’s in storage, because as the owner, you’re responsible for any damage caused by your vehicle. For example, your vehicle catches fire as a result of an electrical failure and causes damage to other property or buildings. In this case, if you’re still insured, your insurer will compensate the owners of the other property, leaving you to pay only the deductible, if any.
Yes, you must inform your insurer as soon as your child starts driving your vehicle, whether they have a learner’s permit, probationary licence, driver’s licence, restricted licence, foreign licence or international licence.
A number of factors come into play when calculating insurance premiums, including the age and gender of drivers. To lower your premium as a young driver, you could choose a car that’s cheaper to buy and less expensive to repair, or increase the deductible, i.e., the amount you have to pay in the event of a claim.
Yes, your car insurance policy covers you when you use your vehicle in Canada and the United States, depending on your policy coverage. However, you must notify your insurer if you leave the province for more than three weeks. Your insurer can then confirm whether an additional premium applies. If you’re travelling elsewhere in the world, you must obtain insurance in the country you’re visiting or from the car rental company in that country if you’re renting a vehicle there.
Yes, if Endorsement 27, entitled “Damage to vehicles not owned by the insured,” is added to your car insurance policy. If you’re insured with Promutuel Insurance and Endorsement 27 has been added to your insurance policy, a statement to this effect will appear on the back of your car insurance certificate, as well as the amount of coverage for this endorsement. Check that this amount is adequate before renting or borrowing a vehicle in Canada or the United States.
Because insurers use the premiums paid by all their policyholders to compensate those who submit claims to them. So even if you haven’t made a claim in quite some time and your situation hasn’t really changed in the past year, your premium could still go up. (Source: Chambre de l’assurance de dommages)
Every vehicle owner is required to have at least $50,000 in liability insurance, but people generally choose $2,000,000. This is called “one-way insurance.” However, you can add coverage for damage to your vehicle caused by a collision or rollover, theft, fire, vandalism, wind, or hail, to name but a few. This is called “two-way insurance.”
Learn more here: Car Accidents: At Fault or Not?
Bundle your policies: Combine home and car insurance to get discounts.
Multiple vehicle discount: Get a multiple vehicle discount by insuring your cars and recreational vehicles with Promutuel Insurance.
Increase your deductibles: Contact your damage insurance representative to adjust your deductibles. By increasing your deductible, you could lower your insurance premium.
Contact us to discuss these car insurance discounts and find the solution that’s right for you! Interested in insurance? Learn more in just a few minutes by reading one of our many articles on the subject!
Your car insurance generally covers damage caused by a natural disaster.
Here are some examples of natural disasters we cover:
- Rising water levels
- Flooding
- Lightning
- Windstorms
- Hail
- Earthquakes
However, these events are covered provided you have “Comprehensive,” “Specific perils,” or “All perils other than collision or upset” insurance.
Read our article to protect yourself properly:
Does your car insurance cover it if something hits your car?
Your car insurance covers damage to your vehicle, within the limits of your policy. In the case of physical damage or bodily injury to others, the third-party liability of your car insurance policy comes into play. If you’re a Québec resident, the Société de l’assurance automobile du Québec (SAAQ) covers you for injuries sustained in a road accident, even if the accident occurs in the United States.
View our article to travel with peace of mind:
Yes, because once your vehicle is in storage, it may benefit from different coverage. Storing your vehicle also entitles you to a storage credit for the duration of the storage period. Please see a damage insurance representative for more information. Please note that some vehicles are not eligible for a storage credit. This is the case for motorcycles and snowmobiles, which are not eligible for a storage credit.
Yes, we recommend that you keep your vehicle insured while it’s in storage, because as the owner, you’re responsible for any damage caused by your vehicle. For example, your vehicle catches fire as a result of an electrical failure and causes damage to other property or buildings. In this case, if you’re still insured, your insurer will compensate the owners of the other property, leaving you to pay only the deductible, if any.
Yes, you must inform your insurer as soon as your child starts driving your vehicle, whether they have a learner’s permit, probationary licence, driver’s licence, restricted licence, foreign licence or international licence.
A number of factors come into play when calculating insurance premiums, including the age and gender of drivers. To lower your premium as a young driver, you could choose a car that’s cheaper to buy and less expensive to repair, or increase the deductible, i.e., the amount you have to pay in the event of a claim.
Yes, your car insurance policy covers you when you use your vehicle in Canada and the United States, depending on your policy coverage. However, you must notify your insurer if you leave the province for more than three weeks. Your insurer can then confirm whether an additional premium applies. If you’re travelling elsewhere in the world, you must obtain insurance in the country you’re visiting or from the car rental company in that country if you’re renting a vehicle there.
Yes, if Endorsement 27, entitled “Damage to vehicles not owned by the insured,” is added to your car insurance policy. If you’re insured with Promutuel Insurance and Endorsement 27 has been added to your insurance policy, a statement to this effect will appear on the back of your car insurance certificate, as well as the amount of coverage for this endorsement. Check that this amount is adequate before renting or borrowing a vehicle in Canada or the United States.
Because insurers use the premiums paid by all their policyholders to compensate those who submit claims to them. So even if you haven’t made a claim in quite some time and your situation hasn’t really changed in the past year, your premium could still go up. (Source: Chambre de l’assurance de dommages)
Home insurance
In the event of a loss, it is important to take steps to prevent further damage, document the damage (photos, videos), report the incident to your insurer as soon as possible, and follow the instructions provided by your insurer. If you have to leave your home, your insurer will tell you what compensation you are entitled to. Whether you need to do emergency repairs or move out of your home, keep invoices and supporting documents for all expenses you incur.
Tenant home insurance is separate from the landlord’s home insurance. These insurance policies are designed to meet different needs. Tenant insurance covers your property, but especially your third-party liability in the event of damage caused to others.
Your landlord’s insurance covers building components, such as floors, walls, and so on. It may also cover property provided on site, such as appliances and furnishings. You can check with your landlord for details of their coverage.
For more information, contact your damage insurance representative.
Learn more here: Why and how should you insure your apartment?
The best way to determine the true value of your personal property is to make an inventory.
On your list, consider including your:
- Clothes
- Furniture
- Household appliances
- Electronic equipment
- Outdoor equipment
- Collections
- Jewellery
- Tools
- Children’s toys
Figure out how much it would cost to replace everything as of today, including taxes. Once you’ve done that, put the inventory in a safe place, such as a safe, and check that the amount of insurance on your policy is sufficient to cover all your possessions.
Find more tips here: Make your property inventory
The distance between your home and the nearest fire station affects your insurance premium as it affects how quickly the fire department can respond. The farther away the fire station, the greater the potential damage, which increases the risk to the insurer and therefore increases the premium.
Because insurers use the premiums paid by all their policyholders to compensate those who submit claims to them. So even if you haven’t made a claim in quite some time and your situation hasn’t really changed in the past year, your premium could still go up. (Source: Chambre de l’assurance de dommages)
In addition, your home insurance premium gets more expensive as the cost of replacing damaged property or repairing or rebuilding your home can increase due to inflation in the price of your property and rising material and labour costs to repair or rebuild your home.
A home insurance policy has limitations and exclusions for certain types of property, including:
- Pools and spas
- Bicycles
- Garden tractors
- Jewellery and watches
- Collections of objects
- Works of arts
- Computer software, etc.
If limitations apply and you feel that the amount of compensation provided for in your policy is too low or you wish to increase it, talk to your damage insurance representative.
Find answers to your home insurance questions: 10 home insurance questions you’ve always wanted to ask
A residential building, whether or not its contents have been removed, where all occupants have left without any intention of coming back to live there. A newly constructed apartment building is also considered vacant between the completion of the work and the time the occupants move in. Several exclusions apply in the event your home is vacant. It is very important to inform your insurer when your home becomes vacant so they can advise you on the coverage available for your situation.
Yes, your children living away from your main home are covered for property and third-party liability, provided they are dependent on you and attend school full-time at an educational institution. Your insurance policy may contain a limitation on the compensation offered (insurance limit) for property belonging to a student. Contact your damage insurance representative if you feel the amount for student property on your insurance policy is insufficient.
The average lifespan of a water heater is 10–15 years. However, it can vary depending on the water quality, the model you have, and the maintenance that’s been done.
If your water heater is over 14 years old, Promutuel Insurance recommends replacing it to limit the risk of water damage caused by a leak or breakage. Since the majority of home insurance claims are due to water damage, your insurer could, for example, require you to replace the unit to maintain your coverage or suggest you add an endorsement to provide a higher deductible in case of water damage caused by a water heater leak or breakage.
In the event of a loss, it is important to take steps to prevent further damage, document the damage (photos, videos), report the incident to your insurer as soon as possible, and follow the instructions provided by your insurer. If you have to leave your home, your insurer will tell you what compensation you are entitled to. Whether you need to do emergency repairs or move out of your home, keep invoices and supporting documents for all expenses you incur.
Tenant home insurance is separate from the landlord’s home insurance. These insurance policies are designed to meet different needs. Tenant insurance covers your property, but especially your third-party liability in the event of damage caused to others.
Your landlord’s insurance covers building components, such as floors, walls, and so on. It may also cover property provided on site, such as appliances and furnishings. You can check with your landlord for details of their coverage.
For more information, contact your damage insurance representative.
Learn more here: Why and how should you insure your apartment?
The best way to determine the true value of your personal property is to make an inventory.
On your list, consider including your:
- Clothes
- Furniture
- Household appliances
- Electronic equipment
- Outdoor equipment
- Collections
- Jewellery
- Tools
- Children’s toys
Figure out how much it would cost to replace everything as of today, including taxes. Once you’ve done that, put the inventory in a safe place, such as a safe, and check that the amount of insurance on your policy is sufficient to cover all your possessions.
Find more tips here: Make your property inventory
The distance between your home and the nearest fire station affects your insurance premium as it affects how quickly the fire department can respond. The farther away the fire station, the greater the potential damage, which increases the risk to the insurer and therefore increases the premium.
Because insurers use the premiums paid by all their policyholders to compensate those who submit claims to them. So even if you haven’t made a claim in quite some time and your situation hasn’t really changed in the past year, your premium could still go up. (Source: Chambre de l’assurance de dommages)
In addition, your home insurance premium gets more expensive as the cost of replacing damaged property or repairing or rebuilding your home can increase due to inflation in the price of your property and rising material and labour costs to repair or rebuild your home.
A home insurance policy has limitations and exclusions for certain types of property, including:
- Pools and spas
- Bicycles
- Garden tractors
- Jewellery and watches
- Collections of objects
- Works of arts
- Computer software, etc.
If limitations apply and you feel that the amount of compensation provided for in your policy is too low or you wish to increase it, talk to your damage insurance representative.
Find answers to your home insurance questions: 10 home insurance questions you’ve always wanted to ask
A residential building, whether or not its contents have been removed, where all occupants have left without any intention of coming back to live there. A newly constructed apartment building is also considered vacant between the completion of the work and the time the occupants move in. Several exclusions apply in the event your home is vacant. It is very important to inform your insurer when your home becomes vacant so they can advise you on the coverage available for your situation.
Yes, your children living away from your main home are covered for property and third-party liability, provided they are dependent on you and attend school full-time at an educational institution. Your insurance policy may contain a limitation on the compensation offered (insurance limit) for property belonging to a student. Contact your damage insurance representative if you feel the amount for student property on your insurance policy is insufficient.
The average lifespan of a water heater is 10–15 years. However, it can vary depending on the water quality, the model you have, and the maintenance that’s been done.
If your water heater is over 14 years old, Promutuel Insurance recommends replacing it to limit the risk of water damage caused by a leak or breakage. Since the majority of home insurance claims are due to water damage, your insurer could, for example, require you to replace the unit to maintain your coverage or suggest you add an endorsement to provide a higher deductible in case of water damage caused by a water heater leak or breakage.
Business insurance
A condo association’s insurance generally covers:
- The entire building
- Condo units, with certain exceptions
- Common areas and the furniture in them
- Third-party liability
- The liability of the association’s directors and managers
Note that each condo owner must take out a home insurance policy to cover improvements to their unit, their personal property and their third-party liability.
Learn more about what’s covered with your condo insurance: Condo insurance: 4 min. quote
Business insurance is key to protecting your business assets. Depending on the coverage you choose, damage to business assets and operating losses will be covered following certain types of loss, such as fire, theft, and certain types of water damage. Business liability, i.e., for property damage or bodily injury caused to others on the premises or in the course of the company’s activities, is also covered.
Find more information about the required coverage here: Why (and how) to choose the right business insurance
Business insurance policies are tailored to your industry. Coverage varies and covers:
- Third-party liability
- Buildings
- Equipment
- Equipment breakdown
- Operating losses
- Crime and embezzlement
- Transportation of goods
- Company vehicles
- Cyber risks
Learn more about Business insurance here: Starting a business: When to buy business insurance
A condo association’s insurance generally covers:
- The entire building
- Condo units, with certain exceptions
- Common areas and the furniture in them
- Third-party liability
- The liability of the association’s directors and managers
Note that each condo owner must take out a home insurance policy to cover improvements to their unit, their personal property and their third-party liability.
Learn more about what’s covered with your condo insurance: Condo insurance: 4 min. quote
Business insurance is key to protecting your business assets. Depending on the coverage you choose, damage to business assets and operating losses will be covered following certain types of loss, such as fire, theft, and certain types of water damage. Business liability, i.e., for property damage or bodily injury caused to others on the premises or in the course of the company’s activities, is also covered.
Find more information about the required coverage here: Why (and how) to choose the right business insurance
Business insurance policies are tailored to your industry. Coverage varies and covers:
- Third-party liability
- Buildings
- Equipment
- Equipment breakdown
- Operating losses
- Crime and embezzlement
- Transportation of goods
- Company vehicles
- Cyber risks
Learn more about Business insurance here: Starting a business: When to buy business insurance
Claim
The deductible, indicated in your policy, is the amount you agree to pay in the event of damage to your vehicle or property. Your claim may be subject to a waiver of the deductible, depending on the extent of your loss and the terms of your policy.
Find more details here:
As soon as you notice a loss in your home, here’s what you should do:
- Limit the damage
- Notify your insurer or brokerage representative of the circumstances
- Name the people involved
- List all damaged or destroyed property
A claims adjuster will then contact you to assess your case and process your claim.
View our tips here: What you need to know about home insurance claims
If a loss occurs and causes damage to your car or home while our offices are closed, you can call us any time at 1-888-590-2433. Otherwise, depending on the nature of the loss, you can file a claim in your Client Space.
Learn how to file an online claim here: Fast and easy home and car insurance claims
The deductible, indicated in your policy, is the amount you agree to pay in the event of damage to your vehicle or property. Your claim may be subject to a waiver of the deductible, depending on the extent of your loss and the terms of your policy.
Find more details here:
As soon as you notice a loss in your home, here’s what you should do:
- Limit the damage
- Notify your insurer or brokerage representative of the circumstances
- Name the people involved
- List all damaged or destroyed property
A claims adjuster will then contact you to assess your case and process your claim.
View our tips here: What you need to know about home insurance claims
If a loss occurs and causes damage to your car or home while our offices are closed, you can call us any time at 1-888-590-2433. Otherwise, depending on the nature of the loss, you can file a claim in your Client Space.
Learn how to file an online claim here: Fast and easy home and car insurance claims
Client Space
If you’re unable to finalize the creation of your account in Client Space, there are two possible
explanations:
- You have provided information that doesn’t match the information of the contact registered in our
system. For example, the date of birth or the spelling of the first and last name is different. - You’re dealing with a brokerage representative, you’re not the policyholder, or you have farm or
business insurance instead.
Need help? Call us at 1-877-668-8835.
You have access to several documents in your Client Space, including:
- Your insurance policies
- Important information (policy expiry dates, balances due, etc.)
- Details of your coverage
- Your car and home insurance quote requests
- Your claim requests
- Your storage requests
- Your digital insurance certificates
If not already done, create your account to view this information.
Having your insurance file online enables you to do several things, including:
- Access your documents at any time
- Get up-to-date insurance information through your online policy and digital insurance
certificate - Share your insurance certificate with a temporary driver after downloading it to your
cellphone
Discover what Client Space offers:
If you’re unable to finalize the creation of your account in Client Space, there are two possible
explanations:
- You have provided information that doesn’t match the information of the contact registered in our
system. For example, the date of birth or the spelling of the first and last name is different. - You’re dealing with a brokerage representative, you’re not the policyholder, or you have farm or
business insurance instead.
Need help? Call us at 1-877-668-8835.
You have access to several documents in your Client Space, including:
- Your insurance policies
- Important information (policy expiry dates, balances due, etc.)
- Details of your coverage
- Your car and home insurance quote requests
- Your claim requests
- Your storage requests
- Your digital insurance certificates
If not already done, create your account to view this information.
Having your insurance file online enables you to do several things, including:
- Access your documents at any time
- Get up-to-date insurance information through your online policy and digital insurance
certificate - Share your insurance certificate with a temporary driver after downloading it to your
cellphone
Discover what Client Space offers: