Insurance gets simpler when the words mean something.
Pick your type of insurance to land on the right page. And before your call, the wording of your policy, explained the way a person would say it.
Where to start, based on what you need to insure
Each page explains what matters for that type and how the call goes. The process itself is the same everywhere.
The moments when it’s worth pulling out your policy.
Your renewal
Your policy starts over.
A month or two ahead is best: you have time to look without a date pushing you.
A move
New address, new file.
A condo, a house, an apartment: what you’re insuring changes, and your policy should follow.
A new vehicle
You add one, sell one, replace one.
A car, a motorcycle, a trailer: it’s a good moment for the specialist to look at the whole picture.
A change in your life
A kid, a partner, a loan, a business.
What made sense when you first signed may have little to do with your life today.
And nothing obliges you to change afterwards. Knowing where you stand is already something.
You have nothing to prepare.
You can read this whole page or none of it: it changes nothing about the process.
If your policy is within reach, great. If not, start with what you know — your address, your vehicle, roughly what you pay right now.
For the rest, the specialist tells you what to look for during the call. They’re the one who reviews your file, checks the discounts that could apply and gets you a quote for your situation. We just match you with them. That’s it.
Four words that show up in every policy.
Your premium is what you pay to be insured. Monthly or yearly, it’s the same word.
Your deductible is the amount that stays on you when you make a claim. It’s written in your policy, and it isn’t always the same depending on what happens.
Your coverage is what your policy actually pays for. Two policies that cost the same don’t necessarily cover the same things: that’s where it plays out.
An endorsement is an add-on to your policy for a situation that applies to you: a piece of jewellery, a vehicle, a particular use. It goes on, and it comes off.
Frequently asked questions
What’s the difference between the premium and the deductible?
The premium is what you pay to be insured. The deductible is what stays on you when you make a claim. Two different numbers, in the same policy.
What exactly is my renewal?
It’s the date your policy starts over. It’s also the moment your premium can change without anyone calling to tell you about it. If a word still trips you up, hang on to it for the call. The specialist reads your policy with you, line by line.
Can I shop around for insurance any time?
Yes. You don’t have to wait for your renewal to look. That said, cancelling mid-term can come with fees: the specialist tells you before you decide anything.
Does Assurenet advise me on my coverage?
No. We publish explanations and we match you with a specialist. They’re the one who reviews your file, explains your coverage and advises you. Assurenet doesn’t sell insurance.
I don’t understand my policy at all. Is that a problem?
Not at all. You’re far from the only one, and you don’t need to understand it to start. The specialist reads it with you during the call.
Which page should I read first?
The one for your type of insurance. Each one explains what matters for that line, and the process is the same everywhere: a few questions, one specialist, one call.