Foire aux questions

Generally, not. Your home insurance often covers these items.

Usually, insurance follows the vehicle, not the driver. Check the vehicle owner's policy.

Ensure your safety, call the police, if necessary, exchange information with the other driver, and contact your insurer as soon as possible. Never admit your responsibility.

The amount you pay before the insurance covers the rest. A higher deductible generally reduces your premium.

Civil liability covers damage caused to others. All perils insurance (section B) adds protection for your vehicle.

Comparez les offres, augmentez votre franchise, groupez vos polices, et installez des dispositifs antivol.

Generally but check your policy and inform your insurer if someone regularly uses your vehicle.

In Quebec, civil liability insurance of at least $50,000 is mandatory, but $1 to $2 million is recommended.

Yes, standard home insurance generally does not cover commercial activities. To protect your home-based business, you need a separate commercial insurance policy.

A policy combines several essential coverages for small and medium-sized businesses, typically including commercial general liability, property insurance and business interruption in a single contract.

Opt for higher deductibles, implement risk prevention measures, bundle your policies and regularly reassess your coverage needs.

It covers loss of income and ongoing expenses in the event of forced interruption of your business due to a covered loss, such as fire or natural disaster.