We help people whose file is more complex.
Being refused insurance or receiving a non-renewal notice can be stressful. Yet it does not necessarily mean you will never be insured again.
At Houle & Godin Assurances, we regularly support clients who have difficulty obtaining auto, home or business insurance because of a more complex file. Thanks to our access to several insurers, including some specialized in high risks and the substandard market, we analyze your situation to find the best available solution.
Every file is different. We take the time to understand your reality before proposing a solution suited to it.
Insurers assess risk before offering coverage. Certain situations can make obtaining insurance more difficult.
That does not mean you are without a solution, but rather that your file may need to be presented to a specialized insurer.
A refusal can happen for different reasons:
↳Every company has its own acceptance rules. A refusal from one insurer does not automatically mean a refusal from every insurer.
Receiving a notice that your insurer no longer wishes to renew your policy can be worrying. We can review your file to look for other solutions among our partner insurers.
Some companies take credit history into account in their assessment, where regulation allows it. A more difficult credit file does not automatically mean insurance is impossible: we can help you explore the options available for your situation.
Have you been through a difficult financial period? Whether you are on second chance credit, third chance credit or have experienced financial hardship, there are sometimes insurers better suited to this type of situation. Every file is reviewed individually.
A personal or business bankruptcy can complicate access to certain insurance products. Depending on your situation, several solutions may still be available.
A consumer proposal can influence how some insurers assess risk. We can help you find the options matching your current situation.
Repeated claims can make a file harder to place on the traditional market. Whether water damage, fire, theft or other losses, we review your history to look for the most suitable solutions.
A cancellation for non-payment can limit the options available with some insurers. Depending on your file, it often remains possible to obtain new coverage.
Certain convictions can influence how a file is assessed. However, not every insurer has the same acceptance criteria. Each situation is reviewed individually based on several factors, notably the nature of the offences, how long ago they occurred and the type of insurance sought.
Major speeding tickets, licence suspensions or a heavy driving history can make obtaining auto insurance more difficult. We can support you in finding the solutions available.
A conviction for impaired driving can lead to a refusal from some insurers. Depending on your current situation and how much time has passed, solutions often exist.
Some properties have characteristics that limit the number of interested insurers. For example:
↳We review every property individually.
Some businesses carry out activities that require specialized protections. We work with several insurers to find a suitable solution when the traditional market is more limited.
Substandard insurers are companies specialized in files presenting a higher-than-average level of risk.
They often make it possible to insure people or businesses that no longer meet the criteria of traditional insurers.
In many cases, they offer a temporary solution that keeps coverage in place while the file improves.
After a few years without a claim, without an incident or with an improved financial situation, it is sometimes possible to return to the standard market.
When your file is more complex, working with a broker matters even more. Our role is to:
Our goal is to find insurance that meets your needs, while preparing your eventual return to the standard market when your situation allows it.
We look for solutions, not obstacles. Every client deserves to have their file reviewed with care: contact our team and we will look for the solutions offered by our partner insurers.
Yes. A refusal from one insurer does not mean no solution exists. Every company has its own acceptance criteria.
Not necessarily. Several factors are taken into consideration and some insurers are more flexible than others.
Yes. Depending on your situation and the type of insurance sought, several options may be available.
No. Every file is assessed individually based on several criteria.
Very often, yes. After a period without claims, with an improved credit file or a more stable situation, it is sometimes possible to rejoin the standard market.
