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info@morinassurances.com
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Monday to Friday: 8:30 a.m. to 4:30 p.m.
Phone
514 634-7115
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General questions
FAQ
If I work from home, do I have to notify my insurance company?
If you have a home office, you must notify your insurer. Special protection will be required
can be added to your contract:
- Computer equipment;
- Civil liability if you receive customers;
- Etc.
Why does the presence of a wood stove in my home affect my insurance premium?
The risk of fire is much higher when using a wood-burning stove. The insurance premium may vary according to the frequency of use. The insurance company may want confirmation that the stove and chimney are in compliance, as well as their installation.
I was involved in an accident when someone hit my car while it was parked. Do I have to pay a deductible?
No deductible applies in the event of an at-fault collision.
Is my vehicle insured if I lend it to a friend and he has an accident?
Any driver with a valid driver’s license can drive your vehicle. In the event of an accident, you’ll be covered according to the coverage you have. However, you are required to declare any driver living in your household who holds a valid driver’s license. The same applies if this person drives your car on a regular basis.
If I'm not at fault for the accident, will the third party's insurer pay for the damage to my car?
The vehicle’s insurer will always foot the bill for repairs, depending on your coverage.
I'm a tenant with old furniture that's worth next to nothing. Do I really need insurance?
An insurance contract includes a replacement value clause. This means you can replace your damaged goods with new ones of the same quality. What’s more, liability insurance is also included in all insurance contracts. This will come in handy, especially if you cause a fire in your home that results in damage to your neighbors. Your insurer will be able to compensate your neighbors for the damage caused by the fire you started.