Clic Assure

Le grand ménage des assurances

Tuesday, September 20, 2022 Dernière modification le Wednesday, September 21, 2022

À l’arrivée du printemps et du beau temps, les Québécois sortent de leur torpeur hivernale et envisagent ou entreprennent des projets de voyage, d’expansion ou d’achats. Ces projets ont des impacts bien concrets sur vos couvertures d’assurance. Faisons ensemble le grand ménage de vos assurances !

Les voitures

 Si vous avez remisé votre voiture cet hiver, il est temps de la sortir du garage. Outre les vérifications nécessaires (batterie, huile, freins), vous devez aviser votre représentant que vous mettez fin au remisage. Les propriétaires de moto avec un renouvellement automatique d’assurance auto n’ont pas besoin de le faire, mais ils doivent respecter la loi qui interdit la conduite d’une moto entre le 15 décembre et le 15 mars.

 Si vous pensez remplacer votre voiture, il est toujours sage de demander une soumission avant. En remplissant une seule demande de soumission chez ClicAssure, en moins de 24hrs, vous recevrez généralement plusieurs offres ce qui vous donnera une bonne idée de l’écart entre votre prime actuelle et celle pour votre nouveau véhicule. Sinon, assurez-vous que vos couvertures en vigueur sont toujours d’actualité. Si, par exemple, votre véhicule vaut moins de 2 000 $, vous n’avez peut-être pas besoin d’assurer la collision ou le versement. Enfin, assurez-vous que tous les conducteurs sont bien mentionnés sur la police d’assurance.

La demeure principale

Tous les travaux que vous effectuerez à votre demeure et sur votre terrain contribuent à rehausser la valeur de votre demeure. Voilà pourquoi il faut le mentionner à votre représentant afin d’éviter une situation de sous-assurance. Si vous habitez à plusieurs sous un même toit, mentionnez chaque personne à votre contrat si elle ne fait pas partie de votre famille immédiate (enfants et conjoint).

Vous devrez aussi ajuster le montant d’assurance sur vos biens meubles si vous avez effectué des achats importants. Rappelez-vous que certains objets de valeur, les collections et équipements sportifs sont assujettis à des limites d’assurance qui peuvent ne pas correspondre à vos besoins actuels.

Les activités et le chalet

Il faut entreprendre la même démarche avec votre résidence secondaire et tout bâtiment à revenu locatif. Assurez-vous également que vos équipements sportifs, nautiques, d’entretien ainsi que vos véhicules hors route sont adéquatement assurés. À titre d’exemple, la couverture de base pour les bateaux est limitée aux petites embarcations de moindre valeur.

Si vous prévoyez faire plusieurs voyages cette année, songez à vous procurer une assurance voyage annuelle. Prenez note que certains sports et certaines activités sont souvent exclus de ces assurances. Vérifiez auprès du représentant les couvertures exactes avant de procéder à l’achat.

ClicAssure, votre meilleure résolution

Et lorsque vous voulez être certain de payer le meilleur prix pour vos protections actuelles, vous n’avez qu’un pas à faire, sur ClicAssure. Remplissez une demande de soumission et obtenez rapidement les meilleures offres de certains de nos partenaires. Vous pourriez économiser des centaines de dollars, à vous de jouer!

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