Chronique assurance

Poêle à bois, foyer, granules : ce que votre assureur habitation demande, les vérifications avant l’hiver et les erreurs à éviter. Lisez le guide.

Auto insurance premiums have jumped 20-40% in Quebec since 2022. Good news: several concrete levers can cut your bill without sacrificing protection. Here are the 10 tactics that deliver the best real-world results. 1. Shop around every year (the #1 move) The most rewarding strategy — and the most forgotten. Every insurer adjusts pricing yearly….

20 Essential Questions to Ask Your Insurance Broker in Quebec 20 essential questions — before you sign, make sure you understand exactly what you’re buying Get a free quote Signing an insurance policy without asking the right questions is like buying a car without looking under the hood. Too many Quebecers discover the limits of…

Auto insurance premiums in Quebec have jumped 20 to 40% since 2022. The good news: several concrete strategies can reduce your bill — without sacrificing coverage. Here are the 10 tactics that deliver the best real-world results. 1. Shop Every Year (Tactic #1) This strategy delivers the highest savings, and it’s the one most people…

For more than a decade, AccesDirect.com has helped Quebecers find the best insurance at the best price. Independent broker. AccesDirect is not an insurer — it’s your ally, the one who shops for you among several insurance companies and presents you with the best options. In this article, we explain in detail who we are,…

Leaving Montreal behind the wheel of a motorhome to reach Canada’s Rocky Mountains is equivalent to four days of driving — approximately 3,700 km, six provinces crossed, two time zones, and a complete change of scenery. Before putting the key in the ignition, one question must be settled: does your recreational vehicle insurance follow you…

Leaving Montreal behind the wheel of a motorhome to reach the Canadian Rockies is the equivalent of four days of driving — roughly 3,700 km, six provinces crossed, two time zones, and a complete change of scenery. Before putting the key in the ignition, one question must be settled: does your recreational vehicle insurance cover…

For Quebec farmers, the utility ATV is an indispensable tool. But when it comes to insuring these vehicles, a crucial question arises: do you need recreational or commercial insurance? This decision is not trivial; it has major implications for coverage, costs, and legal compliance. This article explores the nuances of utility ATV insurance in a…

Are you leaving to transport your ATV or snowmobile with a trailer in Quebec? Unlike what many think, your home insurance almost never protects the trailer, and your auto insurance covers only part of the liability — never the recreational vehicle being transported. This 2026 guide untangles trailer, ATV and snowmobile coverage depending on the…

Planning to transport your ATV or snowmobile with a trailer in Quebec? Contrary to what many think, your home insurance almost never protects the trailer, and your auto insurance covers only part of the liability — never the recreational vehicle being transported. This 2026 guide clarifies trailer, ATV, and snowmobile coverage according to insurance type,…

Quebec, with its vast forests, winding trails, and breathtaking landscapes, is an ideal playground for side-by-side vehicle enthusiasts. These recreational vehicles, also called ATVs (All-Terrain Utility Vehicles) or, more commonly, « side-by-sides, » offer a unique experience of discovery and adventure. However, owning and using a side-by-side involves responsibilities, particularly in terms of insurance. Contrary to popular…

Buying property with multiple people, whether with a partner, family members or friends, is an increasingly common reality in Quebec. Faced with rising real estate prices, many Quebecers opt for co-ownership as a strategy to access property ownership. But this form of shared ownership raises complex questions about home insurance — questions that many co-owners…

Car insurance is one of the sectors that generates the most myths, rumors, and misconceptions in Quebec. These false beliefs have circulated for decades — among colleagues, within families, on forums — and some are so widespread that even experienced drivers believe them to be true. The problem is that these myths can cost you…

Did you know that Quebecers who automatically renew their insurance without shopping around pay on average 15% to 30% more than those who regularly compare prices? Loyalty to an insurer is a virtue in many areas — but in auto and home insurance, it can cost you hundreds of dollars per year. In Quebec, changing…

FAQ 27 endorsement: the overlooked protection that can save you thousands of dollars You rented an SUV for a family trip to Tremblant. Exiting the hotel parking lot, you hit a cement post. The bumper is smashed, the right fender scratched down to bare metal. The rental agency presents you with a CA$4,800 bill. Your…