More than just living insurance
Our insurance is not limited to protecting your home. Indeed, your home insurance plan offers you many standard guarantees that you will not expect, whose protection against the fraudulent use of your credit or debit card, the reimbursement of recovery fees in case of fraud. identity * and the protection of your movable property during a move. In addition, you can take out optional insurance to protect other goods.
* In Quebec, recovery fees in case of identity fraud are not covered by all types of fonts.
Co-owners insurance
Our co-owners insurance takes into account your responsibility for damage to common areas and covers improvements to your condo. In addition, it includes several advantages under a standard dwelling insurance policy.
TENANTS INSURANCE
Our tenant insurance plans are customizable and adapt to almost all situations.
Seasonal residences
Co-operators has the insurance policy you need, that your seasonal residence is a cottage on the edge of a lake or a mobile home in a campsite.
Online Tools
Ask for an online submission today for your home insurance, or find a financial security advisor near you for a font adapted to your needs. Our insured persons can present claims in a simple and fast way. We even have an application for iPhone.
Credit score and home insurance
When provincial laws permit, co-operators takes into account the credit score to establish home insurance premiums. The relevance and accuracy of the credit score as a claims forecast factor have been amply demonstrated. In fact, in Canada, most major property insurers use the credit score for many years. The credit score is added to other usual pricing factors, such as the claims record, building age and geographic location, in order to establish the level of risk and the appropriate premium.
The credit score of a consumer is a reflection of his sense of responsibility and his attitude towards the management of his personal finances. Studies demonstrate a direct correlation between the credit score of a person and his loss (frequency and severity of claims suffered). Taking into account this factor, we are able to accurately assess the risk of each client and calculate the proper premium. Customers with a good credit score benefit from the most competitive premiums. The good news is that most Canadians have a relatively good credit rating.
What is the incidence of credit score on insurance premiums?
The factors used to establish the premium of a customer depend on his insurance needs. The amount of the premium is directly linked to a number of pricing criteria, including:
• The age, size and characteristics of the building
• Building materials used
• The estimate of the cost of reconstruction
• The location of the building
• Your claims history
Here are other pricing factors:
• The frequency of sewer refills in your neighborhood
• The crime rate in your neighborhood
• The value of your personal property
• The proximity of a fire station and a fire terminal
• Heating mode
• your credit score
• The type of insurance and the franchise
• Eligibility for discounts offered
Will a co-operator credit survey affect my credit score?
No. A credit survey of this type does not affect your credit score. It is often mistaken that each consultation of the credit file lowers the score. This is not the case. All consultations on your credit report are recorded, but an investigation for insurance purposes has no impact on your credit score.
Is the use of credit score discriminatory?
No. We place a lot of importance to integrity, taking responsibility and transparency of our activities. Our own analyzes have not revealed any form of discrimination. The credit score is only a reflection of a person's sense of responsibilities and his ability to respect his financial obligations. We are persuaded that the use of credit score is a practical scientifically valid and acceptable from the point of view of ethics.
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