A broker represents multiple insurance companies and works for you — they compare offers from different insurers to find the best coverage at the best price. An agent represents one insurance company and sells only its products. To access the best options on the market, an independent broker is generally recommended.

No. You have the right to negotiate the damage assessment. If you’re unsatisfied with the offer, you can request a review by a senior manager, hire an independent adjuster, or contact the regulator for mediation. Never sign a final release if you’re not satisfied — once signed, you forfeit any further recourse.

Yes. Insurers can adjust rates based on external factors: inflation in repair costs, overall claims experience in your region, natural disasters, company financial results. These increases apply to their entire customer base. Always compare quotes at renewal, even if you’re satisfied with your current insurer.

First, switch brokers. If you believe the broker has acted fraudulently or unethically, you can file a complaint with the provincial regulator and the consumer disputes committee. Every certified professional is subject to a strict code of conduct.

Yes, you can generally modify coverage at any time. If you add coverage, the extra premium is calculated pro-rata for the rest of the year. If you reduce coverage, you may be entitled to a partial refund. Some changes may require a new statement or inspection.

Search the regulatory database with the broker’s name or brokerage name to see certifications, specialties, and any disciplinary notices. All brokers with our partner brokerages are certified and in good standing.

Replacement value compensates you to buy an equivalent item at today’s market price, without accounting for depreciation. Actual cash value deducts depreciation for age and wear. For a 5-year-old TV that costs CAD$900 new, actual cash value might be estimated at CAD$200. Always choose replacement value if you can.

Generally yes — your policy covers your vehicle, not a specific driver. However, if the designated driver has a poor driving record, they may not be covered or protection may be limited. If you regularly lend your car to someone, tell your insurer to avoid complications when filing a claim.

Technically yes, but you cannot be compensated twice for the same damage. If you have two home policies covering the same property, insurers split payment proportionally. In most cases, having two policies for the same risk isn’t advantageous. Always disclose to your broker the existence of other similar policies.

Gather the following information before your meeting: current policies (numbers, amounts, expiry dates), claims history from the past 5 years, current values of important property (home, car, equipment), credit score if you know it, and a list of priority questions. The more prepared you are, the more efficient the meeting and the better your coverage will be tailored.

Yes. AccèsDirect is a certified independent brokerage that works with many insurers in Quebec. Our partner brokers compare offers from multiple companies for your specific profile and recommend the best coverage/price combination. This service is completely free for consumers.