Insurance Sub-Standard

Do you have a particular insurance profile or one considered high-risk? At Gendron Assurance, we understand that every situation is unique. That's why we offer personalized sub-standard insurance solutions, designed to give you the protection you truly need. Regardless of your background or challenges, you can count on our expertise to find suitable coverage and secure your peace of mind.

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Some Sub-Standard situations we frequently encounter.

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Criminal records

Due to identified criminal background, the file is classified as sub-standard. Insurance may be granted subject to special conditions, including a surcharge or certain exclusions, to reflect the risk level and ensure the technical balance of the contract.

Rental property

Due to the characteristics of the rental property (condition, location or occupancy profile), the file is classified as sub-standard. Insurance may be granted with special conditions, such as a surcharge or coverage restrictions, to reflect the risk and preserve portfolio balance.

Cancelled or non-payment

Due to a history of cancellation or non-payment of premiums, the file is classified as sub-standard. Insurance may only be considered under certain special conditions, including surcharge or restrictions, to reflect the risk and ensure proper management of the insured portfolio.

Property components

Due to certain components of the house (materials, age, general condition or outdated systems), the file is classified as sub-standard. Insurance may be granted with special conditions, such as a surcharge or coverage limitations, to reflect the actual risk level.

Bankruptcies

Due to a bankruptcy history, the file is classified as sub-standard. Insurance may be offered under special conditions, including surcharge or coverage restrictions, to reflect the increased financial risk and ensure sound portfolio management.

Multiple claims

Did you know that multiple claims can affect your insurance record? For example, with three claims in five years, you may be classified as substandard insurance. This means that access to certain protections becomes more limited, and the conditions may be adjusted to this particular profile. We can help you in this case too!

Trust your Gendron Insurance broker to support you in your sub-standard insurance decisions.

Why choose Gendron Assurance for a sub-standard file case?

We know the unique challenges of each situation. At Gendron Assurance, you will have a tailor-made service to find the best solution for you.
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Expertise adapted to your situation

We take the time to understand your situation well in order to explore all possibilities.

Professional advice with no hidden fees

Our team of experienced brokers guides you through the options, with complete transparency and no additional costs.

Customer service that considers your needs

We are here for you, ready to answer your questions and provide you with the information you need to make informed decisions.

Flexibility that evolves with you

We adjust your protection over time, so it follows your business growth and market changes.

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Extremely satisfied customers!

Their experience with us, completely transparent.

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“I have always received excellent service from Gendron Assurance—courteous and human, with truly excellent rates. The service went beyond my expectations, professional with just the right amount of humor when things weren't easy. I recommend the firm 100%!”
Clémence Marien
Review left on Google
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“Great service from Myriam—it was my first time insuring a car, and she was very patient, explained everything clearly, and showed me all the options so I could make the best decision for me. I'm very grateful to her and hope to work with her again next time I need to call.”
Elliot Charest
Review left on Google
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“Impeccable service and exemplary politeness. She returns calls and emails very quickly and took the time to understand the company's needs, both for liability and auto insurance. The process is quite fast, and with such good service there's no need to shop elsewhere—I highly recommend her.”
Frédéric Colette
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Request your quote for sub-standard insurance now!

You could rack your brain looking for the best insurance products. Or, you can trust us at Gendron Assurance to find what you need. Our brokerage team is here to simplify your life.

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Assurance auto, André Gendron
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