Second Chance Insurance

From obstacles to new possibilities, we adapt to your reality

If you are experiencing difficulties obtaining coverage from traditional insurers (non-standard file) due to a criminal record (alcohol or drug consumption while driving, driver’s license suspension, hit and run), non-payment of insurance premiums, a poor credit record (bankruptcy, precarious financial situation, numerous creditors), frequent claims, vacant or unoccupied buildings, or employment-related reasons, we have a dedicated team at Assurancia Groupe Tardif to support you and find the best solution to insure you.

Your situation, our opportunity

If you are having difficulty obtaining insurance from traditional insurers, our specialized team is here to support you. We take the time to understand your situation, without judgment, to find a solution tailored to your reality.

What is Second Chance Insurance?

Non-Standard File

A non-standard file does not mean it’s impossible to get insured. Our specialized team will support you in finding a solution tailored to your reality, with attentive listening, respect, and without judgment.

Criminal Record

Whether your record is related to a conviction for impaired driving (alcohol or drugs), a hit and run, or a license suspension, we analyze your situation to offer you a suitable insurance solution.

Non-Payment of Insurance Premium

Non-payment of a premium can limit your options, but not eliminate them. We will work with you to find a solution that meets your needs.

Poor Credit Record

Past financial difficulties or bankruptcy do not mean you are without a solution. Our team takes the time to understand your situation to offer you protection tailored to your reality.

Frequent Claims

Every case deserves to be evaluated comprehensively. If your claims history complicates access to insurance, we will find solutions to offer you.

Vacant or Unoccupied Buildings

Whether temporarily vacant or unoccupied, your building deserves to be protected. We analyze your situation to find insurance that meets your needs.

Employment-Related Reasons

Certain employment-related situations can impact your insurance file. Our team takes the time to understand your reality to offer you a tailored solution.

The Advantage of Our Assurancia Groupe Tardif Brokers

As one of the largest brokerage firms in Quebec, with a team of over 120 brokers across 9 branches, our firm is dedicated to property and casualty insurance. We offer a simple, efficient, and transparent approach to our insurance services.

Count on Our Experts

On the phone, reach our specialists who will support you by adapting to your reality to offer you the best coverage that suits you.

Access Multiple Insurers

Our experts have access to a vast network of insurers, to obtain the insurance product that best meets your needs.

Save Time

Our professionals shop around and compare several quotes for you to save you time and find the most suitable insurance solution.

Get the Best Value for Money

Our brokers seek the insurance product best suited to your reality, while ensuring you get the best value for money.

Have Confidence

Our team holds several certifications and rigorously adheres to industry guidelines, such as the Autorité des marchés financiers (AMF), the Autorité des marchés publics (AMP), and the Registered Insurance Brokers of Ontario (RIBO), ensuring your interests are protected.

Benefit from Proximity

Thanks to our presence in communities and the values that unite us, we understand your reality and remain accessible when you need us.

Guidance when you need it most

When the unexpected happens, your broker is by your side. They guide you through every step of the claims process, answer your questions, help you navigate each stage, and ensure your case is handled with the care and attention it deserves.

Your Most Frequently Asked Questions About Second Chance Insurance

Our team answers your most frequently asked questions, so you better understand your coverage and options.

Is Second Chance Insurance accessible to everyone?

No, it is offered to individuals with more challenging insurance records, such as a history of claims, infractions, or cancellations.

What exactly does Second Chance Insurance cover?

Basic insurance covers damages you might cause to others, and depending on the chosen coverages, it can also cover your vehicle, accidents, theft, vandalism, and fire.

Why is my file considered high-risk?

A file can be considered high-risk due to several factors such as frequent accidents, infractions, late payments, or cancellation by an insurer.

Can I return to regular insurance?

Yes, by improving your record over time, it is possible to become eligible for standard insurance again with better conditions.

Why choose Second Chance Insurance?

It allows you to remain insured despite a more complex record and protects your financial situation while giving you the opportunity to rebuild a good insurance record.

The AGT Blog

Here are practical tips, useful tools, and clear explanations to answer your everyday questions.

Request a Quote Tailored to Your Needs

If you are an individual, our brokers take the time to offer you protections tailored to your reality.