Understand before you sign
Explanations of the rates, fees and contracts behind financial products offered in Quebec, written to be read before an appointment, not after.
212 articles
// Insurance
Vacant or Unoccupied Home: Notify the Insurer
Read the policy’s definition of vacant and unoccupied and the number of days before restrictions apply.
2026-07-21
// Insurance
Short-Term Rental: Coordinate Platform and Home Insurance
Disclose the rental activity to your insurer: the platform’s coverage is limited by its own terms.
2026-07-21
// Insurance
Jewelry, Bicycles and Collections: Check Special Limits
Compare the value of your jewelry, bicycles and collections with the category limits, and keep valuations and photos.
2026-07-21
// Insurance
Excess Liability Insurance: When to Consider Umbrella Coverage
Compare your current home and auto limits with the risks tied to your assets and activities before adding umbrella coverage.
2026-07-21
// Insurance
Identity Theft Coverage in a Home Insurance Policy
Check which expenses are reimbursed after identity theft and whether the policy pays an indemnity or only provides assistance.
2026-07-21
// Insurance
Earthquake Insurance: Deductible and Scope of Coverage
The earthquake deductible is calculated as a percentage of the insured amount: put a dollar figure on it before judging the premium.
2026-07-21
// Insurance
Overland Flood: Check the Definition and Exclusions
Read how the policy defines overland flooding and how it separates watercourse, runoff and groundwater.
2026-07-21
// Insurance
Roommates: Insure Each Person’s Property and Liability
Name the occupants correctly: each roommate insures their own property and their own liability.
2026-07-21
// Insurance
Auto Telematics: Data Collected and Effect on Premium
Know which driving data is measured, over what period, and what the program can do to the premium.
2026-07-21
// Insurance
Replacement Vehicle After a Claim
Check which event qualifies for a replacement vehicle, the daily amount covered and the maximum duration.
2026-07-21
// Insurance
Accident Forgiveness: Conditions and Duration
Read which first accident qualifies for forgiveness, the years of driving required and how long the benefit lasts.
2026-07-21
// Insurance
Leased Vehicle: Required Coverage and Contract Value
Identify the minimum limits imposed by the lease, the deductible and your liability toward the lessor.
2026-07-21
// Insurance
Vehicle Modifications: What to Disclose Before a Claim
Disclose modified parts, power and value before a claim: a hidden modification can void the settlement.
2026-07-21
// Insurance
Delivery and Ridesharing: Disclose Commercial Use
Disclose the app used and your working periods, then check the coverage offered during each phase of the trip.
2026-07-21
// Insurance
Revocable or Irrevocable Life Insurance Beneficiary
An irrevocable designation requires the beneficiary’s consent for any change: choose it knowingly.
2026-07-21
// Insurance
Group Insurance After Leaving a Job
Note the exact date group coverage ends and the deadline to convert without new medical evidence.
2026-07-21
// Insurance
Insurance Risk Disclosure: Answer Accurately
Understand each question before answering and disclose known facts without minimizing: the policy depends on it.
2026-07-21
// Insurance
Travel Insurance and Pre-Existing Medical Conditions
Read the medical-stability definition and the period reviewed before departure to avoid a denied claim.
2026-07-21
// Budget and debt
Buy Now, Pay Later: Add Instalments to the Budget
Group every active instalment and place its debit dates in the same budget as your other bills.
2026-07-21
// Budget and debt
High-Cost Loan: Calculate the Amount Actually Repaid
Compare the principal actually received after fees with the sum of every payment through maturity.
2026-07-21
// Budget and debt
Consumer Proposal or Consolidation: Understand the Differences
Compare the debts included, payments stopped or maintained, professional fees and duration before choosing a path.
2026-07-21
// Budget and debt
Repay a Student Loan Without Neglecting the Emergency Fund
Check the rate and terms specific to the student loan before repaying it at the expense of the emergency fund.
2026-07-21
// Budget and debt
Car Loan: Compare Price, Rate, Term and Trade-In
Negotiate the price before the financing and keep the trade-in value separate from the discount to see the true cost.
2026-07-21
// Budget and debt
Urgent Expense: Rank Financing Options
Confirm the actual urgency and the payment date, then rank the options from least costly to most risky.
2026-07-21