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.
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.
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.
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.
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.
If anyone is injured, call 911 immediately for emergency services. In the event of an accident with no injuries, it’s important to secure the scene, complete a joint report, take pictures of the damage, and report the accident to your insurer as soon as possible.
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.
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.
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.