Hard to insure?
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Due to certain circumstances, you might not be able to get the coverage you need from a regular insurer. Luckily, threre’s non-standard insurance for special situations that can arise at different times in your life. Whether it’s a combination of bad luck or poor decisions, or you’re simply having trouble finding an insurance product, it can be challenging to get the coverage you need. In this case, your application would be what’s known as “non-standard.”
With our access to a wide range of insurance companies, our specialized non-standard BC ASSUR brokers will take care of your file and get you the best coverage and the best possible conditions.
Give us a call today to get help and advice from our knowledgeable, experienced team who are here to get you the insurance solution you need!
What is non standard insurance?
Most major insurers have strict requirements of their insureds, which allows them to offer affordable rates. However, if you have an unusual situation, it can be hard to get insurance.
Whether it’s a string of bad luck, financial challenges, poor credit, health concerns, family problems, work issues, poor decisions or past mistakes, there are many reasons why you might have to take out non-standard insurance.
If an insurer refuses to renew, or cancels, your insurance policy, a speciality insurer can step in. They will typically be willing to accept the risk in exchange for higher insurance premiums or coverage exclusions.
Non-standard insurance is subject to different conditions to accommodate the needs of a specific market, because there are a limited number of non-standard insurance plans.
Get your quote
Put your mind at ease with BC ASSUR! Our specialized brokers will walk you through everything you need to do and give you the best advice to get you the best coverage!
Call us for a personalized quote: 1 866.482.0999
YEARS OF EXPERIENCE
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KNOWLEDGEABLE BROKERS
A whole team on your side!
At BC ASSUR, we’re committed to getting you the best coverage. You can go about your day with peace of mind, knowing your assets are protected no matter what life throws your way.
Over the years, our team has gained expertise in non-standard insurance to help our hard-to-insure clients. As an independent broker, our non-standard insurance experts have developed agreements with many insurers and specialty insurance wholesalers. That means we can get you the best conditions on the market.
Our brokers can also give you expert advice to help make you eligible for standard insurance as soon as possible!
Non-standard auto insurance
Having a car represents freedom and that freedom comes with responsibility. Auto insurance is a legal requirement in Quebec, but in some situations, it can be hard to get coverage.
Here are some reasons why you may find it hard to get auto insurance:
- Criminal record
- High-interest alternative financing (also known as 2nd or 3rd chance credit, in-house financing, leasing, etc.)
- Driver’s licence suspension
- Having a breathalyzer
- Cancellation for non-payment of premiums
- High number of claims (too many in the last 6 years)
- Lapse in coverage
- Right-hand drive vehicle
- Refusal by one or more insurers
- Etc.
Get your quote
Put your mind at ease with BC ASSUR! Our specialized brokers will walk you through everything you need to do and give you the best advice to get you the best coverage!
Call us for a personalized quote: 1 866.482.0999
Get your quote
Put your mind at ease with BC ASSUR! Our specialized brokers will walk you through everything you need to do and give you the best advice to get you the best coverage!
Call us for a personalized quote: 1 866.482.0999
Non-standard home insurance
We all want our homes to be a place of comfort and calm and insuring them shouldn’t be a risky proposition! But there are situations that can make it harder to get the insurance you need.
You may run into problems getting home insurance due to constraints such as:
- Criminal record
- Alternative financing (private lender)
- Cancellation for non-payment of premiums
- High number of claims (too many in recent years)
- Vacant home
- Having aluminum wiring or a fused electrical panel
- Lapse in coverage
- Building under construction or renovation
- Short-term rental property
- Preventive recommendations not taken on time
- Refusal by one or more insurers
- Etc.
How do I get insurance?
If you’re having trouble getting insured, it’s critical to be transparent and disclose all important information to your broker. Under the law, an insurance policy is a “good faith” contract, which means it’s based on the mutual trust of both parties (the insurer and the insured).
Unfortunately, people are often tempted to hide their situation and neglect to disclose certain information to insurers, such as unreported or unrepaired claims, criminal or penal charges, lapsed coverage or cancellation by an insurer.
As a result, the new insurer may cancel the insurance policy and the insured who has suffered a loss can find themselves without coverage.
BC ASSUR brokers are always on your side. Besides certain information, they may you also ask you for documents such as photos of what you want to insure, a copy of certain certificates (alarm, tracking or compliance system), your driving record and your court docket, if needed, including the selective index. You can get these free of charge from any Quebec courthouse.
Once they have everything they need in hand, our brokers will use their expertise to get you the results you want from insurers.
Contact us today to get advice from a broker who specializes in your specific needs!
Benefit of doing business with BC ASSUR
At BC ASSUR, not only do you get expert advice and the coverage you need, you also get support in the event of a claim.
Our brokers can also tell you what you need to go to become eligible with one of our standard insurers.
Our promise
Your insurance application will be handled with:
- Respect
- Skill
- Discretion
- Understanding
- Kindness and consideration
You’re always in good hands with BC ASSUR!
Call us today for more information or to get a quote from one of our brokers!
They’ll give you the BC ASSUR experience.
Get your quote
If you want to find out more, our brokers will be happy to take the time to create a file for you, assess your situation and thoroughly explain the options available.
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