Foire aux questions

Most policies cover occasional drivers. However, check the specific conditions of your policy, especially if the loan becomes frequent or if your friend uses the boat regularly.

Many insurers offer seasonal policies or the possibility of reducing certain coverages out of season. Talk to your broker about the options best suited to your use.

In Quebec, there is no mandatory insurance for pleasure boats. However, liability insurance of at least $1 million is strongly recommended to protect your assets in the event of an accident.

Many high-value policies cover items stored outside the home, including in bank safety deposit boxes. Inform your insurer of the location of your belongings.

High-end policies often offer worldwide coverage. Check the limits and conditions of your policy, and inform your insurer of extended trips or the movement of essential goods.

Many policies offer agreed value coverage for collectibles, thus avoiding depreciation problems. Regular appraisals help maintain adequate coverage.

Yes, some insurers offer flexible policies for dynamic collections. These policies can include automatic protection for new acquisitions and regular coverage adjustments.

Inform your insurer regularly of any changes in value. Annual reassessments are recommended, and some policies offer automatic protection for new acquisitions for a limited period.

Specialized policies for high-value items often include expert restoration. Check the details of your coverage and consider additional options if necessary.

For unique items, insurers may offer a fixed "agreed value." In a total loss, this predetermined value is paid out without depreciation.

Standard home insurance generally offers limited coverage for valuables. For adequate protection, a particular policy or high-value rider is often required.

Valuable items are usually appraised by independent experts. These detailed valuations, often accompanied by photos and documentation, ensure appropriate coverage.