Frequently asked Questions

Camper Vans

Camper vans combine mobility and comfort, making them ideal for getaways. OVC Insurance offers camper van insurance that covers liability, personal belongings, and damages from car accidents. Our insurance brokers will help you choose the right protection for your camper van, ensuring your safety and that of your vehicle on Quebec roads.

Travel Trailers

Travel trailers offer great flexibility for your outdoor adventures. OVC Insurance provides specific policies for each class of trailer, including fifth-wheel and towable trailers. Our insurance covers collision risks, theft, and travel expenses in case of a breakdown. Protect your trailer with insurance tailored to your needs and travel worry-free with OVC Insurance.

Motorhomes

Motorhomes are recreational vehicles offering all the comforts needed for travel. With OVC Insurance, you benefit from motorhome insurance that includes liability coverage, collision protection, and compensation in case of an auto accident. Our insurance brokers ensure that your motorhome is well protected according to its class, whether you’re on the road or in storage, providing full coverage for all situations.

The cost of tenant insurance depends on factors such as the value of your personal property, the location of your rental unit, and the type of coverage you select. At OVC Assurance, we provide competitive insurance quotes and affordable premiums, ensuring you get comprehensive protection for your belongings without incurring high costs.

Renter's home insurance, also known as renter's apartment insurance or renter's home insurance, is designed to protect tenants' personal property and provide liability coverage. It covers accidental damage, claims such as fire, water damage and theft. It gives you peace of mind in the knowledge that your personal property and your liability to others are protected.

No.  The deductible is generally withdrawn in a no fault collision.

It is an expression in Quebec which refers to a coverage including both chapter A and chapter B.

It is an expression in Quebec which refers to chapter A (third party liability only).

The driving record, the claims file (FCSA), vehicle group, age, the insurance experience and the territory of use.

No. Your insurance policy covers you almost everywhere in Canada and the United States (excluding Hawaii for example).

FALSE. There are distinct insurances that do not cover the same thing.  It will therefore be important to analyze you needs in order to offer you the best coverage.

FALSE. The tools must be covered on my business insurance.

No, the RBQ license security protects the public against fraud and embezzlement, among other things.

The official documents can be delivered in a delay of 15 to 25 business days following the activation of your insurance policy.  Beyond this period, do not hesitate to contact your broker to notify them.

Depending on the insurer, the date of the first payment varies. Generally, the first payment is made upon activation of the policy or within 7-10 days of it. Please note that it can sometimes happen that your first two direct withdrawals are very close together and may even be on the same day. It is also possible that, if there is a delay in the insurer's processing of shipments, your annual insurance price will be divided into less than 12 payments. Please refer to your direct withdrawals schedule following receipt of your documents in order to read it.

Insurance contracts are generally for a period of one year and are automatically renewed, unless otherwise stated by your broker, the insurer or you. The cancellation of an insurance contract before the end of its term generates cancellation fees. These fees are indicated in the cancellation table present in the official documents that you will receive.

Is boat insurance mandatory in Quebec?

In Quebec,boat insurance is not legally required but is highly recommended. In case of damage, claims, or accidents, an adequate insurance policy can save you from significant costs. Our boat insurance contracts offer coverage tailored to your type of boat and model, whether it’s a pleasure boat or a fishing boat.

The cost of recreational vehicle insurance in Quebec depends on several factors, including the type of vehicle, its use, and the coverages selected. OVC Insurance helps you get a competitive insurance premium based on your specific needs. Our brokers will provide you with an accurate cost estimate, taking into account your vehicle, driving license, and associated risks to offer you affordable and tailored coverage.

Even if you only use your RV during the summer season, it’s often recommended to maintain year-round insurance coverage. Many risks, such as theft, fire, or damage caused by weather conditions, can occur even when your RV is in storage. Year-round coverage ensures continuous protection, avoiding unpleasant surprises.

Additionally, some RV insurance policies offer flexible terms that consider seasonal use, adjusting the insurance premium based on your actual usage. At OVC Insurance, our brokers can help you choose the best solution to insure your RV year-round or seasonally, depending on your specific needs.

It’s important to understand that your standard auto insurance generally doesn’t cover your recreational vehicle (RV). RVs, such as motorhomes, travel trailers, and camper vans, require a separate insurance policy tailored to their unique characteristics and the specific risks they present.

While some auto insurance policies may offer limited coverage, it’s crucial to get dedicated RV insurance to ensure full protection against accidents, theft, and other unforeseen events. Our insurance brokers at OVC Insurance are available to advise you on the best coverage options for your RV.

How much does RV insurance cost in Quebec?

The cost of recreational vehicle insurance in Quebec depends on several factors, including the type of vehicle, its use, and the coverages selected. OVC Insurance helps you get a competitive insurance premium based on your specific needs. Our brokers will provide you with an accurate cost estimate, taking into account your vehicle, driving license, and associated risks to offer you affordable and tailored coverage.

Does my car insurance cover my RV?

It’s important to understand that your standard auto insurance generally doesn’t cover your recreational vehicle (RV). RVs, such as motorhomes, travel trailers, and camper vans, require a separate insurance policy tailored to their unique characteristics and the specific risks they present.

While some auto insurance policies may offer limited coverage, it’s crucial to get dedicated RV insurance to ensure full protection against accidents, theft, and other unforeseen events. Our insurance brokers at OVC Insurance are available to advise you on the best coverage options for your RV.

I only use my RV in the summer, do I need year-round insurance?

Even if you only use your RV during the summer season, it’s often recommended to maintain year-round insurance coverage. Many risks, such as theft, fire, or damage caused by weather conditions, can occur even when your RV is in storage. Year-round coverage ensures continuous protection, avoiding unpleasant surprises.

Additionally, some RV insurance policies offer flexible terms that consider seasonal use, adjusting the insurance premium based on your actual usage. At OVC Insurance, our brokers can help you choose the best solution to insure your RV year-round or seasonally, depending on your specific needs.

Is insurance important even for a small business?

Yes, business insurance is crucial for a small business. It provides protection against a variety of risks, such as property damage, business interruption and liability claims. Without adequate coverage, a small business can face significant financial difficulties in the event of a claim. The right insurance policy protects your equipment and employees, ensuring the continuity of your business activities.

How much does commercial insurance cost?

The cost of commercial insurance varies according to many factors, including the size of the business, the sector of activity, the value of the commercial assets, and the specific risks associated with the activities. SMEs can expect to pay anywhere from a few hundred to several thousand dollars a year for basic coverage. For an accurate estimate tailored to your specific needs, it's a good idea to request a quote from a damage insurance broker. At OVC Assurance, we compare different policies to find the best solution at the best price for our customers.

What kind of coverage does business insurance provide?

Business insurance includes a number of essential coverages to meet your needs:

• Liability insurance: Covers lawsuits resulting from bodily injury or property damage caused to third parties.

• Commercial property insurance: Protects your buildings, equipment and inventory against property damage.

• Commercial vehicle insurance: Covers vehicles used in business activities.

• Business interruption: Compensates for loss of income due to loss of business activities.

• Equipment insurance: Protects the tools and equipment essential to your business activities.

What kind of coverage does business insurance provide?

Civil Liability

Civil liability is an essential protection for all businesses. It covers damage caused to third parties and protects you against potential lawsuits that could harm your business. A liability insurance policy is essential to guarantee the security of your business.

Business interruption insurance

Business interruption insurance helps you compensate for lost income in the event of business interruption due to a loss. This protection is crucial to maintaining your company's financial stability in difficult times.

Commercial Property Insurance

Protect your commercial property with the right insurance coverage. Commercial property insurance covers physical damage to your premises, equipment and inventory. Make sure you can maintain your operations with reliable insurance protection.

Equipment and Vehicle Insurance

Equipment and vehicle insurance is essential for businesses that depend on their equipment and fleet of commercial vehicles. Protect your investments with comprehensive insurance coverage.

Cyber Risk Insurance

Protect your company's personal and sensitive data with cyber risk insurance. This protection covers the costs associated with data breaches and other IT security incidents.

How does commercial liability work?

There are three main types of commercial liability:

1. Corporate liability insurance: Covers bodily injury or property damage caused by the company to third parties. A liability insurance policy is essential for any business.

2. Professional liability insurance (errors and omissions): Protects you in the event of professional errors or omissions in the services you provide. This insurance is vital for professional services.

3. Directors & Officers Insurance: Protects officers and directors in the event of errors related to their management decisions. This coverage is essential for the security of your company.

With OVC Assurance, find the coverage that best suits your company and its specific needs. Our damage insurance brokers are available to answer all your questions and offer sound advice.

Why work with an independent brokerage firm?

Independent brokers have access to a wide range of products from multiple insurers, guaranteeing you customized solutions and impartial advice. Our brokers work with companies of all sizes to find competitive insurance policies and adjust their coverage over time, according to their needs.

Leave nothing to chance. Request a business insurance quote from OVC Assurance and protect your business today. Our brokers are ready to help you find the best insurance coverage for your specific needs.

The cost of commercial insurance varies according to many factors, including the size of the business, the sector of activity, the value of the commercial assets, and the specific risks associated with the activities. SMEs can expect to pay anywhere from a few hundred to several thousand dollars a year for basic coverage. For an accurate estimate tailored to your specific needs, it's a good idea to request a quote from a damage insurance broker. At OVC Assurance, we compare different policies to find the best solution at the best price for our customers.

There are three main types of commercial liability:

1. Corporate liability insurance: Covers bodily injury or property damage caused by the company to third parties. A liability insurance policy is essential for any business.

2. Professional liability insurance (errors and omissions): Protects you in the event of professional errors or omissions in the services you provide. This insurance is vital for professional services.

3. Directors & Officers Insurance: Protects officers and directors in the event of errors related to their management decisions. This coverage is essential for the security of your company.

With OVC Assurance, find the coverage that best suits your company and its specific needs. Our damage insurance brokers are available to answer all your questions and offer sound advice.

Independent brokers have access to a wide range of products from multiple insurers, guaranteeing you customized solutions and impartial advice. Our brokers work with companies of all sizes to find competitive insurance policies and adjust their coverage over time, according to their needs.

Leave nothing to chance. Request a business insurance quote from OVC Assurance and protect your business today. Our brokers are ready to help you find the best insurance coverage for your specific needs.

Business insurance includes a number of essential coverages to meet your needs:

• Liability insurance: Covers lawsuits resulting from bodily injury or property damage caused to third parties.
• Commercial property insurance: Protects your buildings, equipment and inventory against property damage.
• Commercial vehicle insurance: Covers vehicles used in business activities.
• Business interruption: Compensates for loss of income due to loss of business activities.
• Equipment insurance: Protects the tools and equipment essential to your business activities.

Civil Liability

Civil liability is an essential protection for all businesses. It covers damage caused to third parties and protects you against potential lawsuits that could harm your business. A liability insurance policy is essential to guarantee the security of your business.

Business interruption insurance

Business interruption insurance helps you compensate for lost income in the event of business interruption due to a loss. This protection is crucial to maintaining your company's financial stability in difficult times.

Commercial Property Insurance

Protect your commercial property with the right insurance coverage. Commercial property insurance covers physical damage to your premises, equipment and inventory. Make sure you can maintain your operations with reliable insurance protection.

Equipment and Vehicle Insurance

Equipment and vehicle insurance is essential for businesses that depend on their equipment and fleet of commercial vehicles. Protect your investments with comprehensive insurance coverage.

Cyber Risk Insurance

Protect your company's personal and sensitive data with cyber risk insurance. This protection covers the costs associated with data breaches and other IT security incidents.

1. What is home insurance?

Home insurance is a policy that provides financial protection for homeowners and tenants against loss or damage to their home and personal property. In addition to protecting the physical structure of the home, it also includes liability coverage for damage or injury caused to others. Additional coverage can be added for specific items such as pools, spas and outbuildings.

2 Why use a home insurance broker?

A home insurance broker, whether it's a comprehensive home insurance broker, a home insurance broker or a real estate insurance broker, helps you find the best coverage for your home. To find the best insurance, the first step should always be to talk to one of our personal lines brokers.

Whether you're looking for cheap home insurance or online home insurance, these brokers compare different insurance policies and negotiate the best premiums for you with the different Quebec insurance companies they have access to.

3 What kind of coverage is included in home insurance?

Home insurance generally covers civil liability, losses such as fire and water damage (additional coverage is available), and theft. They may also include coverage for personal property, pools and spas, and outbuildings such as garages and sheds.

Some insurance contracts cover certain natural disasters and valuables such as works of art, racing bikes and the like. For residential customers, it's crucial to fully understand the coverages offered, including damage insurance, to protect their investment and have real peace of mind.

4 How do I choose the best home insurance?

To choose the best home insurance, consider the home insurance premium, deductibles, personal property coverage, and protections against various losses. Using a property and casualty insurance broker can make it much easier to compare offers.

A personal lines broker can also provide advice on the policies best suited to your specific needs, whether you're looking for home insurance quotes or evaluating insurance products offered by different insurance companies.

5 What do I do if there's a claim on my property?

In the event of a loss, whether fire, theft or water damage, contact your home insurance broker or insurance company immediately to report the incident and start the claims process. Provide all the necessary details and follow their instructions for the claims process.

For more information on home insurance and to get home insurance quotes tailored to your needs, visit OVC Assurance.

How Much Does Construction Site Insurance Cost?

The cost of construction site insurance varies depending on several factors, such as the size of the project, the type of contract chosen, and the specific risks related to the site. To get an accurate estimate, it is recommended to consult an insurance broker who can assess your needs and provide insurance coverage suited to your budget.

This type of liability insurance policy covers a wide range of claims, including material damage, bodily injury, and risks specific to different types of construction projects. Claims related to weather, theft, and accidents on the site are also covered, providing comprehensive protection for your construction site.

Construction site insurance is a type of insurance contract specifically designed to protect construction projects. It covers risks inherent to construction sites, such as material damage, work accidents, and bodily injury. Whether you are a professional builder or a self-builder, working with an insurer is essential to secure your work and avoid costly claims.

FALSE. A sewer back-up can happen at any floor of a building.

FALSE. Many regions, including Montreal and Charlevoix, are considered by experts as being at risk.

FALSE. Third party liability covers damage to third parties. Neighboring buildings, their tenants, their loss of income and their relocation costs in addition to those of your tenants, the bill can quickly increase.

False.   According to caselaw, the retailer could be held liable or be prosecuted for the damages caused by a product sold.

True.  When your product is manufactured in China, in addition to possibly having problems regarding quality, it is extremely difficult to seek a remedy against a Chinese manufacturer.  The chain will therefore stop at the wholesaler or retailer.

L'assurance habitation est une police qui offre une protection financière pour les propriétaires et les locataires contre les pertes ou les dommages causés à leur domicile et à leurs biens personnels. En plus de protéger la structure physique de la maison, elle inclut également une assurance responsabilité civile pour les dommages ou blessures causés à autrui. Une couverture supplémentaire peut être ajoutée pour des éléments spécifiques comme les piscines, spas, et dépendances.

Home insurance generally covers civil liability, losses such as fire and water damage (additional coverage is available), and theft. They may also include coverage for personal property, pools and spas, and outbuildings such as garages and sheds.

Some insurance contracts cover certain natural disasters and valuables such as works of art, racing bikes and the like. For residential customers, it's crucial to fully understand the coverages offered, including damage insurance, to protect their investment and have real peace of mind.

To choose the best home insurance, consider the home insurance premium, deductibles, personal property coverage, and protections against various losses. Using a property and casualty insurance broker can make it much easier to compare offers.

A personal lines broker can also provide advice on the policies best suited to your specific needs, whether you're looking for home insurance quotes or evaluating insurance products offered by different insurance companies.

In the event of a loss, whether fire, theft or water damage, contact your home insurance broker or insurance company immediately to report the incident and start the claims process. Provide all the necessary details and follow their instructions for the claims process.

TRUE. The use of a vehicle has a direct impact on the insurance coverage.  Forgetting to notify the insurer could have serious consequences.

FALSE. Professional activities are excluded from home insurance contracts as well as the resulting damage.  However, they can be covered by a rider.

FALSE. The computer must be covered by business property insurance.

Bodily Injury Coverage

Construction sites are environments where accidents can happen quickly, causing serious injuries to workers or third parties. Construction site insurance includes coverage for bodily injury, ensuring medical expenses and potential compensation in case of a claim. This protection is essential to safeguard your company’s financial security in the event of an incident on site.

Material Damage Coverage

Material damage is another major risk on construction sites. Whether it’s damage to buildings under construction, equipment, or construction materials, construction site insurance covers these losses, ensuring prompt compensation. This protection allows you to continue your work without interruption, even in the event of costly unforeseen circumstances.

Environmental Risk Coverage

Managing pollutants on a construction site can lead to significant risks. Pollution insurance, included in construction site insurance, protects you from the financial consequences of environmental contamination. Whether due to accidental spills or improper handling of hazardous materials, this coverage is essential to minimize the impact of environmental risks on your project.

In the event of an incident that may require a claim, please contact our claims assistance department directly at 514-313-5999, extension 136. This consulting service is free with your policy at OVC Insurance and will undoubtedly be very beneficial to you in the event of a claim.

Access your broker's contact information by opening their file in our list of employees by clicking here.

Ideally notify your insurer of your trip beforehand. Contact your broker first to receive appropriate advice and support during the next steps. Then contact your insurer to obtain claims assistance. Emergency numbers can be found on your confirmation of insurance (the pink paper).

Your coverage extends from Canada to the United States.