A broker represents multiple insurance companies and works for you — he compares offers from different insurers to find the best coverage at the best price. An agent represents a single insurance company and sells only its products. For access to the best market options, an independent broker is generally recommended.

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

Yes. Insurers can adjust rates based on external factors: repair cost inflation, overall claims in your region, natural disasters, company financial results. These increases apply to their entire customer base. That’s why it’s always good to compare quotes at each renewal, even if you’re happy with your current insurer.

First, find a different broker. If you believe the broker acted fraudulently or unethically, you can file a complaint with the regulator and the Consumer Disputes Committee. Every licensed professional is subject to a strict code of ethics.

Yes, you can generally modify coverage anytime. Adding coverage means the extra premium is calculated pro-rata for the rest of the year. Reducing coverage may entitle you to a partial refund. Some changes may require a new declaration or inspection.

Visit the regulator’s public register, enter the broker’s or firm’s name, and you’ll see their certifications, specialties, and any disciplinary history. All brokers at AccèsDirect partner firms are certified.

Replacement value reimburses you to buy equivalent new property at current market price, without depreciation. Actual cash value deducts depreciation for age and wear. For a 5-year-old TV that costs $900 new, actual value might be assessed at $200. Always choose replacement value if available.

Generally yes — your auto policy covers your vehicle, not a specific driver. However, if the designated driver has a poor driving record, coverage may be excluded or reduced. If you regularly lend your car to someone, tell your insurer to avoid complications if you need to file a claim.

Technically yes, but you can’t be paid twice for the same damage. If you have two home policies covering the same property, insurers split payment proportionally. In most cases, double coverage for the same risk isn’t advantageous. Always tell your broker about other policies covering similar risks.

Gather this information before meeting: your current policies (numbers, amounts, expiry dates), your claims history from the last 5 years, current values of major assets (home, car, equipment), your credit score if you know it, and a list of priority questions. Better preparation means a more productive meeting and better-calibrated coverage.

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