Lost your car insurance? Don’t panic! You need to find new coverage quickly to legally use your vehicle. It can be stressful, but we’ll help you understand your options. Here are the steps to follow when your car insurance contract is terminated.

1. Understand why you no longer have coverage

Non-payment or cancellation by the insurance company

Yes, it can happen that your insurer decides to terminate your car insurance contract. Here are the main reasons why a company might cancel your coverage:

• You forgot to pay your premium to your insurer
• You made a false statement on your file
• You had several claims in a short period

You should know that if the insurer deems you too risky, they can end the contract immediately. This can have a big impact on your next premium amount. Other companies will view this negatively when you want to insure your vehicle.

Refusal to renew

Sometimes, your insurer will simply decide not to renew your policy when it expires. It’s their right, but they must send you a notice at least 30 days before the end of the contract.

The catch is that it can be quite difficult to find a new insurer after that. Your file will look risky to other companies, especially if you’ve had recent claims. At Gendron Insurance, we’re here to help you find a contract that suits your needs.

Risks of driving without insurance

Driving without insurance is really not a good idea. First, it’s illegal, but here’s also what can happen to you:

• Heavy fines
• Suspension of your driver’s license
• Inability to register your car

And if you have a road accident, you’ll be responsible for all damages. An at-fault accident can cost you a fortune!

2. Find new car insurance immediately

A broker can greatly help you find the best car insurance offers. They know the Quebec market well and have access to several companies, even those specializing in cancelled drivers. Through them, you’ll quickly get multiple quotes to compare.

This will help you find the insurance that best suits your situation at the best possible price. Don’t hesitate to ask questions about the different options to fully understand what’s being offered.

3. Optimize your premium and coverage

Analyze your driver profile to reduce costs

Your driving record plays a crucial role in calculating your car insurance premium. A history without accidents or infractions can save you big. Insurers consider your road situation to assess the risk you represent.

If you’re responsible for a claim, your premium could increase. That’s why it’s important to maintain a spotless record. Your driving behavior has a direct impact on your insurance costs.

Choose a deductible that suits your situation

The deductible is the amount you agree to pay in case of collision before insurance takes over. The higher it is, the lower your premium will be. However, you assume a greater share of the risk.

Think carefully about the type of deductible that suits you. In case of collision, you’ll have to pay this amount. Find the balance between an affordable premium and a deductible you can handle.

Bundle your contracts for discounts

Here are the advantages of bundling your insurance:

• You pay less in total
• You simplify the management of your contracts
• You develop a trust relationship with your insurer

Make sure to check offers that cover both home and auto. You could benefit from interesting discounts by bundling your contracts.

Monitor your claims to avoid increases

Each claim you make can increase your premium. Before declaring minor damages, evaluate the consequences well. Sometimes, it’s better to pay the costs yourself to avoid an increase.

If you’re responsible for an accident, your insurance company will take this into account. Damage to your vehicle might cost less than the long-term increase in your premium.

Maintain good driving discipline

Adopt defensive driving and respect the road code. It’s the best way to improve your driver record. Good road discipline reduces your risks of accidents and infractions.

Over time, your good behavior will have a positive effect on your premium. Each incident-free year brings you closer to a better rate. Your license reflects your caution on the road, so it’s better to choose to drive safely!

4. Prevent losing your next insurance

Respect payment deadlines and conditions

You must pay your insurance on time each month. It’s mandatory to keep your coverage active. Your responsibility is to check your account regularly. Make sure you have the necessary funds when it’s time to pay.

Don’t forget to respect all clauses in your contract either. It might seem obvious, but it’s really important.

Declare any changes that could affect your policy

Is your personal situation changing? Tell your insurer! A new vehicle or a move could affect your policy. The insured has the responsibility to inform the company of these changes. Be careful, if you forget to do so, your contract could be cancelled.

Be proactive and communicate anything that could have an impact.

Monitor your traffic violations

Tickets or demerit points increase perceived risk. Be a responsible driver on the road. Avoid accidents and therefore, damages and infractions.

A clean license is key to keeping good insurance. Think about it every time you get behind the wheel. Always prioritize safety!

Avoid high-risk situations

Certain behaviors can really harm your insurance coverage:

• Driving under the influence
• Extreme speeding
• Using a cell phone while driving
• Disregarding traffic signs

These situations increase the chances of having a car accident. In case of an accident with your vehicle in these circumstances, your insurer might refuse to cover you. Stay vigilant and avoid these dangerous behaviors on the road.

Find your car insurance with Gendron Insurance!

Looking for car insurance that meets your needs? Gendron Insurance is here for you. We offer personalized solutions and expert guidance to find the best coverage. Fill out our form now to get a free online quote tailored to your situation.

Frequently asked questions about car insurance cancellation

How can I contest a contract cancellation?

You can contest the cancellation of your car insurance contract in certain situations. The insurer must send a notice 30 days before expiry, and your broker has the obligation to inform you. In case of false declaration or non-payment, there are recourses. Explore your options quickly, as a cancellation can lead to higher premiums or difficulties finding a new insurer. Act fast to protect your rights and maintain your coverage.

Is it possible to pay my premium in installments?

Yes, several insurers offer installment payment options for your premium. However, be careful as a payment default can lead to contract cancellation. The insurer will reimburse any overpaid premium. To avoid problems, strictly respect your payment plan. This flexibility helps you manage your budget while keeping your protection active.

How long does it take to be insured again?

After a cancellation, you must subscribe to a new contract quickly. General or specialized companies can help you. The Central Rating Bureau or the Grouping of Auto Insurers sometimes intervene to facilitate obtaining insurance. Don’t forget that in Quebec, minimum protection of $50,000 is mandatory. Cancellation can affect delays and offered guarantees, so act promptly to stay covered.