WE ARE THE STEP #1 OF YOUR INSURANCE
SHOPPING, FROM THE SURVEY* OF
PROTÉGEZ-VOUS

*PUBLISHED IN JUNE 2018
 

WE ARE THE STEP #1 OF YOUR INSURANCE
SHOPPING, FROM THE SURVEY* OF
PROTÉGEZ-VOUS

*PUBLISHED IN JUNE 2018
 
SHOP FOR INSURANCE WITHOUT REPEATING YOURSELF!
Our Back to School Insurance Tips for Students and Parents

OUR BACK TO SCHOOL INSURANCE TIPS FOR STUDENTS AND PARENTS

Disclaimer: This article is intended for information purposes, with the sole objective of providing food for thought. Under no circumstances should it be construed as advice regarding insurance solutions. Only a duly certified insurance professional is qualified to analyze your personal situation, discuss your needs with you and advise you on insurance solutions.

Is tenant’s insurance required?

The summer holidays are long gone, it’s back to work and back to school for the lot of us. Companies are already operating at full throttle, seasonal businesses are winding down and kids everywhere are starting a new year of education. The older ones have moved out to study abroad, far from your home. The killer question here is: does a student need tenant insurance to be properly covered?

Personal property and liability

These are relevant questions. Is a student’s personal property and his liability covered on his parent’s insurance or will he need to get his own insurance policy? Many insurers will offer a limited coverage for children attending school full-time, 2 500 $ or up to 10% of the amount of coverage on personal property. Their liability, that is coverage in case they cause damages is also usually covered by the parent’s policy. How can you be sure? Contact your insurance representative and… read your policy. Another tip: If the student is living with other roommates, make sure that everyone has proper insurance coverage. 

What is a dependant child?

If you plan to extend the parent’s policy to the student, you’ll have to comply with the legal definition of dependant children. It does differ in every province. In Ontario for instance, insurers will usually follow the province’s definition: any child less than 22 years of age. The age may be extended in some policies, but the other conditions to qualify for the coverage are usually the same: that the child be attending a valid learning institution, that he be attending school (registered for) full-time studies and, unsurprisingly that he be attending a school in a different town. Your insurance representative can confirm your coverage and increase it as needed.

What about car insurance?

Let’s imagine that dad has just bought a car for his son so that he could visit his worried mom every week-end? It’s an old clunker, you don’t need a lot of insurance for that, right? But should you add it to the parent’s policy or get a young driver’s policy? That’s up to you, but the smart money is on the student having his own insurance policy (and the owner of the vehicle) so that the parents don’t have to pay for their kid’s mistakes (i.e. accidents) on their next renewal. To limit the cost of this insurance, the son can get the most basic coverage, liability. Ask an insurance representative for advice.

ClickInsurance, the best way to save on your insurance

ClickInsurance has got the lowdown on the latest trends and news and we can help you get the best rates for your insurance in just a few clicks. No more time wasted calling all these insurers, fill in our form and our insurance partners will email you their best offers. 

Start saving NOW in four easy steps
  • Fill in our online insurance request form
  • Receive offers from our local insurance partners
  • Negotiate and…
  • Save!
Enter your postal code:

Débuter Maintenant
By clicking on the START button, you accept the terms and conditions of use and the following:
I authorize ClickInsurance to collect and disclose my personal information to her business partners so they can send me insurance quotes by email, SMS, telephone or mail, and I authorize these partners to use said information for these purposes. I consent to receiving an acknowledgement of receipt by email when I request a quote on line. In the event my request for an online quote was not completed when I give this consent, I agree to receive a further email containing a link in order to complete it. I further agree that assignees or successors of ClickInsurance's business or assets may use and disclose my personal information for the same purposes described in this consent.
By continuing, I authorize ClicAssure to transmit my personal information to its business partners, so that they may contact me at the telephone number provided on the quote form in order to offer me a damage or a person insurance product.



OUR PARTNERS

LEDOR Assurances
Allstate
Co-operators
Capitale (La)
Promutuel
IA auto et habitation
Les Assurances Lajeunesse Hétu & Associés inc.
Reflet assurances
Le Groupe Lepelco
AssurExperts inc
La Turquoise cabinet en assurance de dommages et services financiers
Assurances Raby & Bernard, affilié à La Capitale
Beauchemin Gauvin & Guimond Cabinet en assurances de dommages
Hélène Chartier, affiliée à SSQauto
Mario Roy Assurances Générales, affilié à Desjardins Assurances Générales inc.
Assurancia inc.
Sofia Semekte, affiliée à Desjardins Assurances Générales inc.
Wawanesa - Courtage
Nancy Caron, affiliée à la SSQ Cabinet de services financiers
Boilard Assurances inc
Nordik Assurances inc., affilié à La Capitale Assurances générales
ROK Assurances inc.

SiteLock