Automobile Habitation Claims Contacts us

Many factors influence your premium, and the choices that you make have a direct impact on the amount that you have to spend.

Automobile:

1. It's not just the value of the vehicle that has an impact on the premium but also the cost of parts and repairs. If the vehicle is more expensive to repair, it will also cost more to insure.

2. The frequency of claims varies considerably with the class of driver, i.e. with age and gender.

3. If you drive to work - 20 km per day during rush hour, this will have an impact on your premium.

4. If you are thinking about insuring your vehicle for basic coverage only, consider carefully. In the event of an accident, you will have to assume costs that will certainly be in excess of the initial savings as you will have to pay out of pocket for the damage to your vehicle or loss.

Home:

1. The minimum deductible for home insurance policy is around $300. If your financial situation allows, increase it to $500. You will be amazed at the positive impact this has on your premium.

2. If you install a security alarm and smoke detectors connected to a centre, you will save on your premium.

3. The value of your property is evaluated on the cost of reconstruction in the event of a loss and not on market value, price paid, the value of the land or municipal evaluation.

4. The contents of your insurance policy affect the premium: the extent of the coverage, the value of your goods to be insured and the additional coverage that you require.
Protection