FAQ
Here are answers to some of the questions our agents often hear.
If you would like more detailed answers or more information, feel free to contact us at 1 866 SSQ-AUTO (1 866 777-2886) code 66 or by email at service@ssqgenerale.com.
About Auto Insurance
- Question 1:
- How can I reduce my auto insurance premium?
- Answer:
Here are a few pointers that may help you reduce your auto insurance premium and still enjoy all the coverage you need:
- Insure two or more vehicles.
- Combine your auto and home insurance.
- Install an anti-theft system.
- Increase your deductible for material damages.
- Check the insurance rate before purchasing a vehicle or signing a long term lease since some models are subject to higher rates due to the cost of replacement parts or the rate of theft.
- Try to use public transit between work and home.
- Drive carefully, because when it comes to auto insurance, good drivers are rewarded.
If you are a member of a Group that has an agreement with SSQ General Insurance, you may be eligible for additional benefits.
- Question 2:
- What factors affect my auto insurance premium?
- Answer:
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A number of factors come into play when determining your premium:
- The type of vehicle you drive. For example, premiums are lower for models that cost less to repair.
- The use of your vehicle. If you use your car for recreation, commuting, and business, you spend more time on the road and thereby increase your risk factor.
- The presence of an anti-theft system
- The sex and age of the drivers
- Driving experience, i.e., the number of years' experience driving and the number of claims in your file
- The number of drivers insured (spouse, children, etc.)
- Location. The number of vehicle thefts and collisions differs with traffic density and region.
- Question 3:
- My son has a learner's permit. Do I have to list him as a driver of my vehicle?
- Answer:
Yes. It is your responsibility to advise your insurance provider regardless of your child's license category.
About Home Insurance
- Question 4:
- How can I reduce my home insurance premium?
- Answer:
Here are a few pointers that may help you reduce the cost of your home insurance and still enjoy all the coverage you need:
- Install a fire and theft alarm system connected to a remote surveillance station.
- Enjoy a reduced premium if everyone living under your roof has been a non-smoker for over 12 months.
- Combine your home and auto insurance.
- Increase your home insurance deductible.
- Get a loyalty discount that goes up the longer you stay with SSQ General Insurance.
- Maintain a good claim record.
If you are a member of a Group that has an agreement with SSQ General Insurance, you may be eligible for additional benefits.
- Question 5:
- What factors affect my home insurance premium?
- Answer:
A number of factors come into play when determining your premium:
- The type of coverage purchased (all perils, specified perils, etc.)
- The amount of coverage and the deductible chosen
- The actual risks associated with the building, such as the building's age, the number of units, the location, and fire prevention measures
- The type of heating system used
- The age of the insured person
- The number of smokers living in the residence
- The presence of an alarm system
- Question 6:
- If I'm a renter, how much insurance do I need?
- Answer:
It all depends on the value of your personal property and the building you live in. Keeping an up-to-date inventory will help you evaluate your insurance needs and make it easier to file a claim should the need arise. Home insurance also covers your civil liability. The amount of civil liability coverage you need depends largely on the type and value of the building you're living in. Your liability is assessed differently for a two-unit building than it is for a sixty-unit building.
- Question 7:
- I run a business out of my home. Does my home insurance cover my business?
- Answer:
A home business can be excluded from your home insurance policy or covered only to a limited extent. To find out what additional coverage you may need, contact one of our agents at 1 866 SSQ-AUTO code 66.
- Question 8:
- My daughter studies and lives away from home. Does my insurance cover her personal property?
- Answer:
There are some limitations, depending on your home insurance policy. Call one of our agents to find out if you have enough insurance to cover your child's personal property and civil liability.
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