An insurance company is a company which is specializes in the sale of insurances which are formal guarantees according to which a person will see itself indemnified following possible damage or annoying events. Very often, it is specialized in certain domains and it happens that some of them offer you financial investments .The consumers are entitled to sign insurances as well with national insurance companies as with insurance companies based in another member state. The consumer can also take the initiative to contact an insurance company, either directly, or through an insurance broker.

It often happens these days that the insurer assumes the daily management of the case, but trading conditions is through an intermediary, whether an adviser or a broker or agent. Thus, the insurance company did not have access to potential customers during the period when it transmits through the specifications and receives bids. When dealing with an intermediary, we assume that the broker or agent of the insurance company is doing a good job of suggesting we buy the type of protection to suit us best, but if no such is not the case? Stick it to say, as you have provided far more power than you could imagine. The Civil Code Article 1432 is in your favor. It is written :

« In the doubt, the contract is interpreted in favor of the one who contracted the obligation(bond) and against the one who stipulated him(it), in every case, it is interpreted in favor of the member or of the consumer. »

This section of the law opens the door to many challenges if the broker or the insurance agent you never explained the true limits of your insurance policy. On the other hand, one of the finest confusion concerning fonts called "all risk" fraught with risks not insured!

Another section of the Civil Code, s. 2495 that insurance companies do not shout from the rooftops, is that concerning the protection of your property. It clearly indicates that an insured should be entitled to compensation if he has incurred expenses to protect his home and its contents.

It is said in this article:
« The insured must take responsibility to protect, as far as possible and at the expense of the insurer, the insured property against loss or danger of further damage, failing to cover the damages caused by his failure. An insured may not abandon the damaged property in the absence of agreement to that effect. It should facilitate the rescue of the insured property and audits by the insurer, »

If you live difficulties with your insurance company you can file a complaint with the LAC: (514) 288-6015 or 1-800 361-1531. If it does not resolve your problem, you can still continue the insurer with the small claims court if the compensation sought is less than $ 3,000. For larger amounts, you must go to the Superior Court. ---

Source: http://www.groupe-assurance-info.com/

HOME INSURANCE

The insurance allows the insured to ensure the residence which he is a tenant, owner or occupant against the risks it faces, but is it mandatory? Yes. If you rent an apartment or a house, comprehensive home insurance is. You guarantee to the property owner for damages you might cause to the apartment, home or building.

It is necessary that the owner is sure to be compensated in case of any damage. On the other hand, if you rent a furnished apartment or if you occupy a home office, you are not subject to this standard. However, the owner is not obliged to take out insurance on his home. Nonetheless, it is strongly recommended that owners adhere to insurance includes liability coverage for damage caused to third parties. 

There are various guarantees of house insurance to which you can subscribe as tenant. The guarantee "appeal of the neighbors and the third parties", is offered almost always simultaneously with the guarantee "tenant's risks" : if an explosion, a fire or another damage of water arise at home and damage the properties of your neighbors, the insurer will compensate them if you are in charge of the whole in the limits planned to the contract.
With an insurance contract multirisk house, you can also assure your furniture, your objects, the explosion, the water damage, the flight.
The owners occupying an individual house can insure their properties and their house against risks of fire, damage of waters, explosion, burglary, natural disaster, attack, act of terrorism, storm...
The owners occupying an apartment can cling to a life insurance to guarantee against risks of fire, lightning, explosion, water damage and theft:
- Your furniture and valuables - The embellishments of your apartment (group insurance usually guarantees the walls)

Insurance multirisk house contracts contain necessarily the guarantee of the risks of natural disasters, storm, attacks and acts of terrorism, the damage caused by the hail, the weight of the snow on roofs.
It is also possible in your home insurance to ensure your responsibility to:
- Your neighbors and others,
- Your tenant if your apartment is rented

The insurance of the co-ownership guarantees necessarily the common parts. She can also include certain privative areas. The management agent has to sign a collective insurance for the co-ownership to guarantee the common parts.This house insurance should cover risks of fire, lightning, explosion, damage of waters, theft, natural disaster, attacks(attempts), acts of terrorism, storm, hail and snow roofs. It also concerns the civil liability of the co-ownership responsible for accidents caused by buildings and persons in the service of the building. The co-owners owe considered as third parties between them to be refunded if a disaster provokes damage to them.

Source: http://www.contenulibre.com/assurances