Frequently asked questions
What is the damage insurance broker profession?
Is theft of goods from my car covered?
Anything permanently attached to the automobile or used in the normal operation or use of the vehicle is covered. For example, if your field hockey equipment is stolen, it will be covered under your home insurance policy, not your auto policy.
What is a franchise?
The amount you have to pay on a claim is called the deductible, and the insurer will pay the difference on your claim. Some contracts offer a $0 deductible. Ask your broker!
What should I do in the event of a claim?
In the event of a claim, you must contact your broker as soon as possible. Insurancia brokers have a 24/24 service that will forward you to your insurer, so that you can be covered or the damage repaired as quickly as possible.
Why have a policy with a 2-year contract?
The 2-year contract allows you to freeze your premium, i.e. there will be no increase over the next two years. What’s more, you’ll benefit from free monthly instalments. Ask your broker.
Tenant insurance: why is it necessary?
If you are a tenant, you should insure your civil liability and your property. For example, if you inadvertently start a fire while cooking, you could be held responsible, and that could cost you dearly!
I'm the co-owner of a condo. Do I have to insure the real estate?
It is more prudent for a co-owner to include the real estate parts in his insurance contract. These will compensate for any shortfall in the condominium corporation’s insurance policy.
Why insure my home for the cost of rebuilding, not the market value?
As the cost of rebuilding homes has risen substantially, it’s important to review with your broker how much your home is insured for. This differs from market value, which is used mainly to give a selling price for your home, or to assess property taxes. If you wish to rebuild your home as is following a loss, check your amount.
There's been water damage in your home. What should you do first?
First, cut off the water supply and electricity to the affected rooms. Try to wipe it up and call your insurance company or broker as soon as possible. He or she will direct you to an emergency claims company and start your claim.
Is chiselling effective in preventing car theft?
According to some studies, marking is effective on several types of car, especially those stolen for parts. What’s more, you’ll benefit from a substantial discount, and your car will be less likely to be stolen.
Does my home insurance policy cover identity theft?
Identity theft is not a basic coverage under your home insurance policy. As identity theft can result in significant losses of time and money, ask your Assurancia broker how you can be protected.
Are repairs to my car guaranteed?
With some insurance companies, when you go to affiliated garages, repairs may be guaranteed. Ask your Assurancia broker.