{"id":2411,"date":"2022-03-02T22:05:06","date_gmt":"2022-03-03T03:05:06","guid":{"rendered":"https:\/\/www.inovainc.ca\/?page_id=2411"},"modified":"2025-04-28T08:49:43","modified_gmt":"2025-04-28T12:49:43","slug":"faq","status":"publish","type":"page","link":"https:\/\/www.inovainc.ca\/fr\/quebec\/faq\/","title":{"rendered":"Faq"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"2411\" class=\"elementor elementor-2411\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5fd5594 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5fd5594\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1dfc585\" data-id=\"1dfc585\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-822f9bc elementor-widget elementor-widget-heading\" data-id=\"822f9bc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Vous avez des questions sur l\u2019assurance?<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f5ccfb4 elementor-widget elementor-widget-heading\" data-id=\"f5ccfb4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Laissez-nous le soin de vous r\u00e9pondre.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d949a9d e-flex e-con-boxed e-con e-parent\" data-id=\"d949a9d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-68021c9 elementor-widget elementor-widget-spacer\" data-id=\"68021c9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-96d87d4 elementor-widget elementor-widget-shortcode\" data-id=\"96d87d4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\n        <style>\n\n        .faq_tabs {\n            width: 100%;\n        }\n\n        .faq_tabs .tab-links {\n            display: flex;\n            align-items: stretch;\n            justify-content: space-between;\n            margin: 0;\n            padding: 0;\n            padding: 30px;\n        }\n\n        .faq_tabs .tab-links li ,\n        .faq_tabs .tab-links li a{\n            font-style: normal;\n            box-sizing: border-box;\n            cursor: pointer;\n            outline: var(--focus-outline,none);\n            position: relative;\n            padding: 20px 5px;\n            line-height: 1;\n            border: solid transparent;\n            color: var( --e-global-color-primary );\n            text-align: center;\n            background-color: #D0DBE6;\n            clip-path: polygon(3% 0, 100% 0%, 97% 100%, 0% 100%);\n            margin: 0 -2px;\n            width: 100%;\n            border-width: 0px;\n            font-family: \"Mulish\", Sans-serif;\n            font-weight: 700;\n            font-size: 20px;\n            display: flex;\n            align-items: center;\n            flex-wrap: nowrap;\n            justify-content: center;\n        }\n\n        .faq_tabs .tab-links li a{\n            background-color: transparent !important;\n            color: inherit !important;\n            text-decoration: none !important;\n            padding: 0 0 0 0 !important;\n            clip-path: none !important;\n            width: auto !important;\n            display: inline !important;\n        }\n\n        .faq_tabs .tab-links li:first-child {\n            clip-path: polygon(0 0, 100% 0%, 97% 100%, 0% 100%);\n            border-radius: 50px 0 0 50px;\n        }\n\n        .faq_tabs .tab-links li:last-child {\n            clip-path: polygon(3% 0, 100% 0%, 100% 100%, 0% 100%);\n            border-radius: 0 50px 50px 0;\n        }\n\n        .faq_tabs .tab-links li.active {\n            background-color: #D8002B;\n        }\n\n        .faq_tabs .tab-links a {\n            padding: 9px 15px;\n            display: block;\n            background: blue;\n            font-size: 16px;\n            color: #fff;\n            text-decoration: none;\n        }\n\n        .faq_tabs .tab-content {\n            padding: 0 30px;\n        }\n\n        .faq_tabs .tab {\n            display: none;\n        }\n\n        .faq_tabs .tab.active {\n            display: block;\n        }\n\n        .faq_tabs span {\n            position: relative;\n        }\n\n        .faq_tabs .tab-links span.icon {\n            display: inline-block;\n            width: 18px;\n            height: 18px;\n            background-color: transparent;\n            background-repeat: no-repeat;\n            background-position: center center;\n            background-size: contain;\n            margin-right: 9px;\n        }\n\n        .faq_tabs .accordion-header span.icon {\n            display: inline-block;\n            width: 18px;\n            height: 18px;\n            background-color: transparent;\n            background-repeat: no-repeat;\n            background-position: center center;\n            background-size: contain;\n            margin-right: 0px;\n        }\n\n        .faq_tabs .accordion-header span.icon2 {\n            margin-right: 9px;\n        }\n\n        .faq_tabs .tab-links li.active a,\n        .faq_tabs .tab-links li.active span {\n            color: #fff;\n        }\n\n                .faq_tabs .all span.icon {\n            background-image: url(\/wp-content\/uploads\/2022\/01\/Trace-520-1.svg);\n        }\n\n        .faq_tabs .tab-links li.all.active span.icon {\n            background-image: url(\/wp-content\/uploads\/2022\/01\/Trace-510.svg);\n        }\n                .faq_tabs .auto span.icon {\n            background-image: url(https:\/\/www.inovainc.ca\/wp-content\/uploads\/2022\/01\/Icon-awesome-car-alt-2.svg);\n        }\n\n        .faq_tabs .tab-links li.auto.active span.icon {\n            background-image: url(https:\/\/www.inovainc.ca\/wp-content\/uploads\/2022\/01\/Icon-awesome-car-alt-3.svg);\n        }\n                .faq_tabs .habitation span.icon {\n            background-image: url(https:\/\/www.inovainc.ca\/wp-content\/uploads\/2022\/01\/Icon-material-home-2.svg);\n        }\n\n        .faq_tabs .tab-links li.habitation.active span.icon {\n            background-image: url(https:\/\/www.inovainc.ca\/wp-content\/uploads\/2022\/01\/Icon-material-home-3.svg);\n        }\n                .faq_tabs .reclamations span.icon {\n            background-image: url(https:\/\/www.inovainc.ca\/wp-content\/uploads\/2022\/01\/Groupe-794-2.svg);\n        }\n\n        .faq_tabs .tab-links li.reclamations.active span.icon {\n            background-image: url(https:\/\/www.inovainc.ca\/wp-content\/uploads\/2022\/01\/Groupe-794-1.svg);\n        }\n                .faq_tabs .myinova-fr span.icon {\n            background-image: url(https:\/\/www.inovainc.ca\/wp-content\/uploads\/2022\/01\/Groupe-794-2.svg);\n        }\n\n        .faq_tabs .tab-links li.myinova-fr.active span.icon {\n            background-image: url(https:\/\/www.inovainc.ca\/wp-content\/uploads\/2022\/01\/Groupe-794-1.svg);\n        }\n        \n        .faq_tabs .accordion-group {\n            font-family: var( --e-global-typography-text-font-family ), Sans-serif;\n            font-weight: var( --e-global-typography-text-font-weight );\n            font-style: normal;\n            line-height: 1.3!important;\n            font-size: 1rem;\n            color: var( --e-global-color-text );\n            text-align: left;\n            box-sizing: border-box;\n            padding: 15px!important;\n            border: 1px solid #d5d8dc;\n            border-radius: 14px;\n            box-shadow: 0 3px 6px 0 rgb(0 0 0\/15%);\n            margin-bottom: 35px;\n            border-width: 0;\n            background-color: #fff;\n        }\n\n        .faq_tabs .accordion-content {\n            display: none;\n            font-style: normal;\n            text-align: left;\n            box-sizing: border-box;\n            padding: 20px;\n            margin-left: 90px;\n            color: #000000;\n            font-family: mulish,Sans-serif;\n            font-size: 18px;\n            font-weight: 400;\n            line-height: 1.3em;\n        }\n\n        .faq_tabs .accordion-content p,\n        .faq_tabs .accordion-content li {\n            font-family: mulish,Sans-serif;\n            font-size: 18px;\n            font-weight: 400;\n            line-height: 1.3em;\n            margin-bottom: 1em;\n        }\n\n        .faq_tabs .accordion-content li {\n            margin-bottom: 0.5em;\n        }\n\n        .faq_tabs .accordion-content p:last-child,\n        .faq_tabs .accordion-content li:last-child {\n            margin-bottom: 0em;\n        }\n\n        .faq_tabs .accordion-content strong {\n            font-weight: 700;\n        }\n\n        .faq_tabs .accordion-header {\n            cursor: pointer;\n            padding: 15px 20px;\n        }\n\n        .faq_tabs .accordion-header h3 {\n            display: flex;\n            align-items: flex-start;\n            justify-content: space-between;\n        }\n\n        .faq_tabs .accordion-header h3 .icons {\n            flex: 0 0 66px;\n            display: flex;\n            align-items: center;\n            justify-content: flex-start;\n            margin-top: 4px;\n            color: #89a5bd;\n        }\n\n        .faq_tabs .accordion-header.active h3 .icons {\n            flex: 0 0 66px;\n            display: flex;\n            align-items: center;\n            justify-content: flex-start;\n            margin-top: 4px;\n            color: #004e9c;\n        }\n\n        .faq_tabs .accordion-header h3 .icons .icon {\n            display: inline-block;\n            width: 18px;\n            height: 18px;\n            background-color: transparent;\n            background-repeat: no-repeat;\n            background-position: center center;\n            background-size: contain;\n        }\n\n                .faq_tabs .accordion-header h3 .icons .icon.all {\n            background-image: url(\/wp-content\/uploads\/2022\/01\/Trace-520-1.svg);\n        }\n\n        .faq_tabs .accordion-header.active h3 .icons .icon.all {\n            background-image: url(\/wp-content\/uploads\/2022\/01\/Trace-520.svg);\n        }\n                .faq_tabs .accordion-header h3 .icons .icon.auto {\n            background-image: url(https:\/\/www.inovainc.ca\/wp-content\/uploads\/2022\/01\/Icon-awesome-car-alt-2.svg);\n        }\n\n        .faq_tabs .accordion-header.active h3 .icons .icon.auto {\n            background-image: url(https:\/\/www.inovainc.ca\/wp-content\/uploads\/2022\/01\/Icon-awesome-car-alt-1.svg);\n        }\n                .faq_tabs .accordion-header h3 .icons .icon.habitation {\n            background-image: url(https:\/\/www.inovainc.ca\/wp-content\/uploads\/2022\/01\/Icon-material-home-2.svg);\n        }\n\n        .faq_tabs .accordion-header.active h3 .icons .icon.habitation {\n            background-image: url(https:\/\/www.inovainc.ca\/wp-content\/uploads\/2022\/01\/Icon-material-home-1.svg);\n        }\n                .faq_tabs .accordion-header h3 .icons .icon.reclamations {\n            background-image: url(https:\/\/www.inovainc.ca\/wp-content\/uploads\/2022\/01\/Groupe-794-2.svg);\n        }\n\n        .faq_tabs .accordion-header.active h3 .icons .icon.reclamations {\n            background-image: url(https:\/\/www.inovainc.ca\/wp-content\/uploads\/2022\/01\/Groupe-794.svg);\n        }\n                .faq_tabs .accordion-header h3 .icons .icon.myinova-fr {\n            background-image: url(https:\/\/www.inovainc.ca\/wp-content\/uploads\/2022\/01\/Groupe-794-2.svg);\n        }\n\n        .faq_tabs .accordion-header.active h3 .icons .icon.myinova-fr {\n            background-image: url(https:\/\/www.inovainc.ca\/wp-content\/uploads\/2022\/01\/Groupe-794.svg);\n        }\n        \n        .faq_tabs .accordion-header h3 .title ,\n        .faq_tabs .accordion-header h3 .title a{\n            flex: 1 1 auto;\n            margin: 0 18px;\n            cursor: pointer;\n            color: #004e9c!important;\n            font-family: mulish,Sans-serif!important;\n            font-size: 30px!important;\n            font-weight: 600!important;\n            font-style: normal;\n            line-height: 1.3!important;\n            text-decoration: none!important;\n        }\n\n        .faq_tabs .accordion-header h3 .toggler {\n            flex: 0 0 36px;\n            display: inline-block;\n            width: 28px;\n            height: 28px;\n        }\n\n        .faq_tabs .accordion-header h3 .toggler svg {\n            width: 28px;\n            height: 28px;\n        }\n\n        .faq_tabs .accordion-header h3 .toggler-opened {\n            display: none;\n        }\n\n        .faq_tabs .accordion-header h3 .toggler-closed {\n            display: block;\n        }\n\n        .faq_tabs .accordion-header.active h3 .toggler-opened {\n            display: block;\n        }\n\n        .faq_tabs .accordion-header.active h3 .toggler-closed {\n            display: none;\n        }\n\n        @media only screen and (max-width : 1199px) {\n\n            .faq_tabs .accordion-header h3,\n            .faq_tabs .accordion-header h3 .title {\n                font-size: 24px!important;\n            }\n\n            .faq_tabs .accordion-header h3 .icons {\n                margin-top: 2px;\n            }\n        }\n\n        @media only screen and (max-width : 1023px) {\n\n            .faq_tabs .accordion-header h3,\n            .faq_tabs .accordion-header h3 .title {\n                font-size: 20px!important;\n            }\n\n            .faq_tabs .accordion-header {\n                padding: 5px 10px;\n            }\n\n            .faq_tabs .tab-links {\n                padding: 15px;\n            }\n\n            .faq_tabs .tab-content {\n                padding: 0 15px;\n            }\n\n            .faq_tabs .accordion-group {\n                margin-bottom: 25px;\n            }\n\n            .faq_tabs .accordion-content {\n                margin-left: 72px;\n            }\n\n            .faq_tabs .tab-links li ,\n            .faq_tabs .tab-links li a{\n                font-size: 14px;\n            }\n        }\n\n        @media only screen and (max-width : 767px) {\n\n            .faq_tabs .tab-links {\n                padding: 10px;\n            }\n\n            .faq_tabs .tab-content {\n                padding: 0 10px;\n            }\n\n            .faq_tabs .accordion-group {\n                margin-bottom: 15px;\n            }\n\n            .faq_tabs .accordion-content {\n                margin-left: 0;\n                padding-left: 0;\n                padding-right: 0;\n                padding-top: 9px;\n            }\n\n            .faq_tabs .accordion-header {\n                padding: 0px;\n            }\n\n            .faq_tabs .accordion-header h3 {\n                flex-wrap: wrap;\n            }\n\n            .faq_tabs .accordion-header h3 .icons {\n                flex: 0 0 66px;\n                order: 1;\n            }\n\n            .faq_tabs .accordion-header h3 .title {\n                flex: 0 0 100%;\n                order: 3;\n                margin: 12px 0 0 0;\n            }\n\n            .faq_tabs .accordion-header h3,\n            .faq_tabs .accordion-header h3 .title {\n                font-size: 18px!important;\n            }\n\n            .faq_tabs .accordion-header h3 .toggler {\n                flex: 0 0 36px;\n                order: 2;\n            }\n\n            .faq_tabs .accordion-content p,\n            .faq_tabs .accordion-content li {\n                font-size: 16px;\n            }\n\n            .faq_tabs .tab-links {\n                display: block;\n                padding: 0;\n            }\n\n            .faq_tabs .tab-links li ,\n            .faq_tabs .tab-links li a{\n                clip-path: none;\n                border-radius: 50px;\n                margin-bottom: 4px;\n            }\n\n            .faq_tabs .tab-links li:first-child {\n                clip-path: none;\n                border-radius: 50px;\n            }\n\n            .faq_tabs .tab-links li:last-child {\n                clip-path: none;\n                border-radius: 50px;\n                margin-bottom: 18px;\n            }\n\n            .faq_tabs .accordion-header h3 .toggler {\n                flex: 0 0 18px;\n                width: 18px;\n                height: 18px;\n            }\n\n            .faq_tabs .accordion-header h3 .toggler svg {\n                width: 18px;\n                height: 18px;\n            }\n\n            .faq_tabs .tab-links li ,\n            .faq_tabs .tab-links li a{\n                font-size: 18px;\n            }\n        }\n\n        <\/style>\n\n        <div class=\"faq_tabs\">\n\n            \n                <ul class=\"tab-links\">\n                                                <li data-tab_content=\"#tab0\" class=\"all active\">\n                                <span class=\"icon\"><\/span>\n                                <span><a href=\"#\">Toutes<\/a><\/span>\n                            <\/li>\n                                                        <li data-tab_content=\"#tab1\" class=\"auto\">\n                                <span class=\"icon\"><\/span>\n                                <span><a href=\"#\">Auto<\/a><\/span>\n                            <\/li>\n                                                        <li data-tab_content=\"#tab2\" class=\"habitation\">\n                                <span class=\"icon\"><\/span>\n                                <span><a href=\"#\">Habitation<\/a><\/span>\n                            <\/li>\n                                                        <li data-tab_content=\"#tab3\" class=\"reclamations\">\n                                <span class=\"icon\"><\/span>\n                                <span><a href=\"#\">R\u00e9clamations<\/a><\/span>\n                            <\/li>\n                                            <\/ul>\n            \n            <div class=\"tab-content\">\n                                        <div id=\"tab0\" class=\"tab active\">\n\n                            <div class=\"accordion\">\n                                                                    <div class=\"accordion-group\">\n                                        <div class=\"accordion-header\">\n                                            <h3>\n                                                <span class=\"icons\"><span class=\"icon all\"><\/span>&nbsp;+&nbsp;<span class=\"icon icon2 auto\"><\/span><\/span>\n                                                <span class=\"title\"><a href=\"#\">Dois-je payer une p\u00e9nalit\u00e9 lorsque j\u2019annule ma police d\u2019assurance auto ou habitation?<\/a><\/span>\n                                                <span class=\"toggler\">\n                                                    <span class=\"toggler-closed\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28.455\" height=\"28.455\" viewBox=\"0 0 28.455 28.455\"><path data-name=\"Icon ionic-ios-arrow-dropright-circle\" d=\"M3.375,17.6A14.227,14.227,0,1,0,17.6,3.375,14.225,14.225,0,0,0,3.375,17.6Zm16.724,0-5.6-5.547a1.32,1.32,0,0,1,1.867-1.867l6.525,6.546a1.319,1.319,0,0,1,.041,1.819L16.5,25a1.318,1.318,0,1,1-1.867-1.86Z\" transform=\"translate(31.83 -3.375) rotate(90)\" fill=\"#97aec6\"><\/path><\/svg>\n                                                    <\/span>\n                                                    <span class=\"toggler-opened\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28\" height=\"28\" viewBox=\"0 0 28 28\"><g data-name=\"Groupe 466\" transform=\"translate(-1670 -1136.224)\"><circle data-name=\"Ellipse 8\" cx=\"14\" cy=\"14\" r=\"14\" transform=\"translate(1670 1136.224)\" fill=\"#004e9c\"><\/circle><path data-name=\"Trac\u00e9 521\" d=\"M16.715-78.4a.991.991,0,0,1,.3.727.892.892,0,0,1-.276.652.892.892,0,0,1-.652.276.976.976,0,0,1-.727-.351L11.3-81.731,7.26-77.091a.976.976,0,0,1-.727.351.933.933,0,0,1-.665-.276.9.9,0,0,1-.288-.677,1.02,1.02,0,0,1,.3-.7l4.163-4.69L6.057-87.625a1.084,1.084,0,0,1-.3-.7A.9.9,0,0,1,6.044-89a.906.906,0,0,1,.64-.276.976.976,0,0,1,.727.351L11.3-84.465l3.887-4.464a.976.976,0,0,1,.727-.351.892.892,0,0,1,.652.276.892.892,0,0,1,.276.652.991.991,0,0,1-.3.727l-3.988,4.539Z\" transform=\"translate(1672.702 1233.234)\" fill=\"#fff\"><\/path><\/g><\/svg>\n                                                    <\/span>\n                                                <\/span>\n                                            <\/h3>\n                                        <\/div>\n                                        <div class=\"accordion-content\">\n                                            <span style=\"font-weight: 400;\">Lorsque vous demandez l\u2019annulation (la r\u00e9siliation) de votre police \u00e0 la date de renouvellement, vous n\u2019avez ni p\u00e9nalit\u00e9 ni frais suppl\u00e9mentaires \u00e0 payer. Toute demande de r\u00e9siliation pr\u00e9sent\u00e9e en cours de contrat donne cependant lieu \u00e0 des frais de r\u00e9siliation.<\/span>                                        <\/div>\n                                    <\/div>\n                                                                        <div class=\"accordion-group\">\n                                        <div class=\"accordion-header\">\n                                            <h3>\n                                                <span class=\"icons\"><span class=\"icon all\"><\/span>&nbsp;+&nbsp;<span class=\"icon icon2 auto\"><\/span><\/span>\n                                                <span class=\"title\"><a href=\"#\">Quelle est la diff\u00e9rence entre la protection collision et la protection accident sans collision ni versement?<\/a><\/span>\n                                                <span class=\"toggler\">\n                                                    <span class=\"toggler-closed\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28.455\" height=\"28.455\" viewBox=\"0 0 28.455 28.455\"><path data-name=\"Icon ionic-ios-arrow-dropright-circle\" d=\"M3.375,17.6A14.227,14.227,0,1,0,17.6,3.375,14.225,14.225,0,0,0,3.375,17.6Zm16.724,0-5.6-5.547a1.32,1.32,0,0,1,1.867-1.867l6.525,6.546a1.319,1.319,0,0,1,.041,1.819L16.5,25a1.318,1.318,0,1,1-1.867-1.86Z\" transform=\"translate(31.83 -3.375) rotate(90)\" fill=\"#97aec6\"><\/path><\/svg>\n                                                    <\/span>\n                                                    <span class=\"toggler-opened\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28\" height=\"28\" viewBox=\"0 0 28 28\"><g data-name=\"Groupe 466\" transform=\"translate(-1670 -1136.224)\"><circle data-name=\"Ellipse 8\" cx=\"14\" cy=\"14\" r=\"14\" transform=\"translate(1670 1136.224)\" fill=\"#004e9c\"><\/circle><path data-name=\"Trac\u00e9 521\" d=\"M16.715-78.4a.991.991,0,0,1,.3.727.892.892,0,0,1-.276.652.892.892,0,0,1-.652.276.976.976,0,0,1-.727-.351L11.3-81.731,7.26-77.091a.976.976,0,0,1-.727.351.933.933,0,0,1-.665-.276.9.9,0,0,1-.288-.677,1.02,1.02,0,0,1,.3-.7l4.163-4.69L6.057-87.625a1.084,1.084,0,0,1-.3-.7A.9.9,0,0,1,6.044-89a.906.906,0,0,1,.64-.276.976.976,0,0,1,.727.351L11.3-84.465l3.887-4.464a.976.976,0,0,1,.727-.351.892.892,0,0,1,.652.276.892.892,0,0,1,.276.652.991.991,0,0,1-.3.727l-3.988,4.539Z\" transform=\"translate(1672.702 1233.234)\" fill=\"#fff\"><\/path><\/g><\/svg>\n                                                    <\/span>\n                                                <\/span>\n                                            <\/h3>\n                                        <\/div>\n                                        <div class=\"accordion-content\">\n                                            <p class=\"p1\">Les protections collision et accident sans collision ni versement couvrent le co\u00fbt de la r\u00e9paration ou du remplacement de votre v\u00e9hicule de fa\u00e7on \u00e0 ce que vous n\u2019ayez rien \u00e0 payer de votre poche (\u00e0 part votre franchise).<\/p>                                        <\/div>\n                                    <\/div>\n                                                                        <div class=\"accordion-group\">\n                                        <div class=\"accordion-header\">\n                                            <h3>\n                                                <span class=\"icons\"><span class=\"icon all\"><\/span>&nbsp;+&nbsp;<span class=\"icon icon2 auto\"><\/span><\/span>\n                                                <span class=\"title\"><a href=\"#\">Que couvre la protection collision?<\/a><\/span>\n                                                <span class=\"toggler\">\n                                                    <span class=\"toggler-closed\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28.455\" height=\"28.455\" viewBox=\"0 0 28.455 28.455\"><path data-name=\"Icon ionic-ios-arrow-dropright-circle\" d=\"M3.375,17.6A14.227,14.227,0,1,0,17.6,3.375,14.225,14.225,0,0,0,3.375,17.6Zm16.724,0-5.6-5.547a1.32,1.32,0,0,1,1.867-1.867l6.525,6.546a1.319,1.319,0,0,1,.041,1.819L16.5,25a1.318,1.318,0,1,1-1.867-1.86Z\" transform=\"translate(31.83 -3.375) rotate(90)\" fill=\"#97aec6\"><\/path><\/svg>\n                                                    <\/span>\n                                                    <span class=\"toggler-opened\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28\" height=\"28\" viewBox=\"0 0 28 28\"><g data-name=\"Groupe 466\" transform=\"translate(-1670 -1136.224)\"><circle data-name=\"Ellipse 8\" cx=\"14\" cy=\"14\" r=\"14\" transform=\"translate(1670 1136.224)\" fill=\"#004e9c\"><\/circle><path data-name=\"Trac\u00e9 521\" d=\"M16.715-78.4a.991.991,0,0,1,.3.727.892.892,0,0,1-.276.652.892.892,0,0,1-.652.276.976.976,0,0,1-.727-.351L11.3-81.731,7.26-77.091a.976.976,0,0,1-.727.351.933.933,0,0,1-.665-.276.9.9,0,0,1-.288-.677,1.02,1.02,0,0,1,.3-.7l4.163-4.69L6.057-87.625a1.084,1.084,0,0,1-.3-.7A.9.9,0,0,1,6.044-89a.906.906,0,0,1,.64-.276.976.976,0,0,1,.727.351L11.3-84.465l3.887-4.464a.976.976,0,0,1,.727-.351.892.892,0,0,1,.652.276.892.892,0,0,1,.276.652.991.991,0,0,1-.3.727l-3.988,4.539Z\" transform=\"translate(1672.702 1233.234)\" fill=\"#fff\"><\/path><\/g><\/svg>\n                                                    <\/span>\n                                                <\/span>\n                                            <\/h3>\n                                        <\/div>\n                                        <div class=\"accordion-content\">\n                                            <p class=\"p1\">La protection collision est facultative et couvre le co\u00fbt de la r\u00e9paration ou du remplacement de votre v\u00e9hicule si vous heurtez un autre v\u00e9hicule (ou un objet), le sol ou un objet sur le sol (un arbre, un panneau de signalisation ou une glissi\u00e8re de s\u00e9curit\u00e9, par exemple), une personne ou un animal. Vous devrez payer votre franchise.<\/p>                                        <\/div>\n                                    <\/div>\n                                                                        <div class=\"accordion-group\">\n                                        <div class=\"accordion-header\">\n                                            <h3>\n                                                <span class=\"icons\"><span class=\"icon all\"><\/span>&nbsp;+&nbsp;<span class=\"icon icon2 auto\"><\/span><\/span>\n                                                <span class=\"title\"><a href=\"#\">Que couvre la protection accident sans collision ni versement?<\/a><\/span>\n                                                <span class=\"toggler\">\n                                                    <span class=\"toggler-closed\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28.455\" height=\"28.455\" viewBox=\"0 0 28.455 28.455\"><path data-name=\"Icon ionic-ios-arrow-dropright-circle\" d=\"M3.375,17.6A14.227,14.227,0,1,0,17.6,3.375,14.225,14.225,0,0,0,3.375,17.6Zm16.724,0-5.6-5.547a1.32,1.32,0,0,1,1.867-1.867l6.525,6.546a1.319,1.319,0,0,1,.041,1.819L16.5,25a1.318,1.318,0,1,1-1.867-1.86Z\" transform=\"translate(31.83 -3.375) rotate(90)\" fill=\"#97aec6\"><\/path><\/svg>\n                                                    <\/span>\n                                                    <span class=\"toggler-opened\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28\" height=\"28\" viewBox=\"0 0 28 28\"><g data-name=\"Groupe 466\" transform=\"translate(-1670 -1136.224)\"><circle data-name=\"Ellipse 8\" cx=\"14\" cy=\"14\" r=\"14\" transform=\"translate(1670 1136.224)\" fill=\"#004e9c\"><\/circle><path data-name=\"Trac\u00e9 521\" d=\"M16.715-78.4a.991.991,0,0,1,.3.727.892.892,0,0,1-.276.652.892.892,0,0,1-.652.276.976.976,0,0,1-.727-.351L11.3-81.731,7.26-77.091a.976.976,0,0,1-.727.351.933.933,0,0,1-.665-.276.9.9,0,0,1-.288-.677,1.02,1.02,0,0,1,.3-.7l4.163-4.69L6.057-87.625a1.084,1.084,0,0,1-.3-.7A.9.9,0,0,1,6.044-89a.906.906,0,0,1,.64-.276.976.976,0,0,1,.727.351L11.3-84.465l3.887-4.464a.976.976,0,0,1,.727-.351.892.892,0,0,1,.652.276.892.892,0,0,1,.276.652.991.991,0,0,1-.3.727l-3.988,4.539Z\" transform=\"translate(1672.702 1233.234)\" fill=\"#fff\"><\/path><\/g><\/svg>\n                                                    <\/span>\n                                                <\/span>\n                                            <\/h3>\n                                        <\/div>\n                                        <div class=\"accordion-content\">\n                                            <p class=\"p1\">La protection accident sans collision ni versement est facultative et couvre les frais de r\u00e9paration d\u00e9coulant d\u2019autres sources que la collision ou le renversement, le co\u00fbt de la r\u00e9paration ou du remplacement de votre v\u00e9hicule s\u2019il est endommag\u00e9 par un incendie, un vol ou une tentative de vol, le vandalisme, la chute d\u2019objets, les objets volants, une catastrophe naturelle, une \u00e9meute ou des troubles civils.<\/p>                                        <\/div>\n                                    <\/div>\n                                                                        <div class=\"accordion-group\">\n                                        <div class=\"accordion-header\">\n                                            <h3>\n                                                <span class=\"icons\"><span class=\"icon all\"><\/span>&nbsp;+&nbsp;<span class=\"icon icon2 auto\"><\/span><\/span>\n                                                <span class=\"title\"><a href=\"#\">Qu\u2019est-ce qu\u2019une franchise et comment fonctionne-t-elle?<\/a><\/span>\n                                                <span class=\"toggler\">\n                                                    <span class=\"toggler-closed\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28.455\" height=\"28.455\" viewBox=\"0 0 28.455 28.455\"><path data-name=\"Icon ionic-ios-arrow-dropright-circle\" d=\"M3.375,17.6A14.227,14.227,0,1,0,17.6,3.375,14.225,14.225,0,0,0,3.375,17.6Zm16.724,0-5.6-5.547a1.32,1.32,0,0,1,1.867-1.867l6.525,6.546a1.319,1.319,0,0,1,.041,1.819L16.5,25a1.318,1.318,0,1,1-1.867-1.86Z\" transform=\"translate(31.83 -3.375) rotate(90)\" fill=\"#97aec6\"><\/path><\/svg>\n                                                    <\/span>\n                                                    <span class=\"toggler-opened\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28\" height=\"28\" viewBox=\"0 0 28 28\"><g data-name=\"Groupe 466\" transform=\"translate(-1670 -1136.224)\"><circle data-name=\"Ellipse 8\" cx=\"14\" cy=\"14\" r=\"14\" transform=\"translate(1670 1136.224)\" fill=\"#004e9c\"><\/circle><path data-name=\"Trac\u00e9 521\" d=\"M16.715-78.4a.991.991,0,0,1,.3.727.892.892,0,0,1-.276.652.892.892,0,0,1-.652.276.976.976,0,0,1-.727-.351L11.3-81.731,7.26-77.091a.976.976,0,0,1-.727.351.933.933,0,0,1-.665-.276.9.9,0,0,1-.288-.677,1.02,1.02,0,0,1,.3-.7l4.163-4.69L6.057-87.625a1.084,1.084,0,0,1-.3-.7A.9.9,0,0,1,6.044-89a.906.906,0,0,1,.64-.276.976.976,0,0,1,.727.351L11.3-84.465l3.887-4.464a.976.976,0,0,1,.727-.351.892.892,0,0,1,.652.276.892.892,0,0,1,.276.652.991.991,0,0,1-.3.727l-3.988,4.539Z\" transform=\"translate(1672.702 1233.234)\" fill=\"#fff\"><\/path><\/g><\/svg>\n                                                    <\/span>\n                                                <\/span>\n                                            <\/h3>\n                                        <\/div>\n                                        <div class=\"accordion-content\">\n                                            <span style=\"font-weight: 400;\">La franchise de votre assurance correspond au montant que vous devez payer en cas de sinistre. Lorsque vous d\u00e9clarez un sinistre couvert par votre police d\u2019assurance, la compagnie d\u2019assurance prendra en charge les co\u00fbts en exc\u00e9dent du montant de la franchise, jusqu\u2019\u00e0 concurrence des maximums pr\u00e9vus par votre police.<\/span>                                        <\/div>\n                                    <\/div>\n                                                                        <div class=\"accordion-group\">\n                                        <div class=\"accordion-header\">\n                                            <h3>\n                                                <span class=\"icons\"><span class=\"icon all\"><\/span>&nbsp;+&nbsp;<span class=\"icon icon2 auto\"><\/span><\/span>\n                                                <span class=\"title\"><a href=\"#\">Comment puis-je diminuer ma prime d\u2019assurance auto?<\/a><\/span>\n                                                <span class=\"toggler\">\n                                                    <span class=\"toggler-closed\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28.455\" height=\"28.455\" viewBox=\"0 0 28.455 28.455\"><path data-name=\"Icon ionic-ios-arrow-dropright-circle\" d=\"M3.375,17.6A14.227,14.227,0,1,0,17.6,3.375,14.225,14.225,0,0,0,3.375,17.6Zm16.724,0-5.6-5.547a1.32,1.32,0,0,1,1.867-1.867l6.525,6.546a1.319,1.319,0,0,1,.041,1.819L16.5,25a1.318,1.318,0,1,1-1.867-1.86Z\" transform=\"translate(31.83 -3.375) rotate(90)\" fill=\"#97aec6\"><\/path><\/svg>\n                                                    <\/span>\n                                                    <span class=\"toggler-opened\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28\" height=\"28\" viewBox=\"0 0 28 28\"><g data-name=\"Groupe 466\" transform=\"translate(-1670 -1136.224)\"><circle data-name=\"Ellipse 8\" cx=\"14\" cy=\"14\" r=\"14\" transform=\"translate(1670 1136.224)\" fill=\"#004e9c\"><\/circle><path data-name=\"Trac\u00e9 521\" d=\"M16.715-78.4a.991.991,0,0,1,.3.727.892.892,0,0,1-.276.652.892.892,0,0,1-.652.276.976.976,0,0,1-.727-.351L11.3-81.731,7.26-77.091a.976.976,0,0,1-.727.351.933.933,0,0,1-.665-.276.9.9,0,0,1-.288-.677,1.02,1.02,0,0,1,.3-.7l4.163-4.69L6.057-87.625a1.084,1.084,0,0,1-.3-.7A.9.9,0,0,1,6.044-89a.906.906,0,0,1,.64-.276.976.976,0,0,1,.727.351L11.3-84.465l3.887-4.464a.976.976,0,0,1,.727-.351.892.892,0,0,1,.652.276.892.892,0,0,1,.276.652.991.991,0,0,1-.3.727l-3.988,4.539Z\" transform=\"translate(1672.702 1233.234)\" fill=\"#fff\"><\/path><\/g><\/svg>\n                                                    <\/span>\n                                                <\/span>\n                                            <\/h3>\n                                        <\/div>\n                                        <div class=\"accordion-content\">\n                                            <p class=\"p1\">Vous pouvez songer \u00e0 regrouper vos assurances auto et habitation pour obtenir des rabais sur les deux polices. Vous pouvez \u00e9galement augmenter le montant de votre franchise pour r\u00e9duire votre prime. Un bon dossier de conduite, sans infraction ni accident responsable, se r\u00e9percutera positivement sur le montant de votre prime. Certaines compagnies d\u2019assurance offrent \u00e9galement des rabais lorsque vous les autorisez \u00e0 surveiller vos habitudes de conduite au moyen d\u2019une application. De bons comportements au volant se traduisent ainsi par une prime moins \u00e9lev\u00e9e.<\/p>                                        <\/div>\n                                    <\/div>\n                                                                        <div class=\"accordion-group\">\n                                        <div class=\"accordion-header\">\n                                            <h3>\n                                                <span class=\"icons\"><span class=\"icon all\"><\/span>&nbsp;+&nbsp;<span class=\"icon icon2 auto\"><\/span><\/span>\n                                                <span class=\"title\"><a href=\"#\">Je pars en vacances \u00e0 l\u2019\u00e9tranger. Puis-je suspendre temporairement mon assurance auto?<\/a><\/span>\n                                                <span class=\"toggler\">\n                                                    <span class=\"toggler-closed\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28.455\" height=\"28.455\" viewBox=\"0 0 28.455 28.455\"><path data-name=\"Icon ionic-ios-arrow-dropright-circle\" d=\"M3.375,17.6A14.227,14.227,0,1,0,17.6,3.375,14.225,14.225,0,0,0,3.375,17.6Zm16.724,0-5.6-5.547a1.32,1.32,0,0,1,1.867-1.867l6.525,6.546a1.319,1.319,0,0,1,.041,1.819L16.5,25a1.318,1.318,0,1,1-1.867-1.86Z\" transform=\"translate(31.83 -3.375) rotate(90)\" fill=\"#97aec6\"><\/path><\/svg>\n                                                    <\/span>\n                                                    <span class=\"toggler-opened\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28\" height=\"28\" viewBox=\"0 0 28 28\"><g data-name=\"Groupe 466\" transform=\"translate(-1670 -1136.224)\"><circle data-name=\"Ellipse 8\" cx=\"14\" cy=\"14\" r=\"14\" transform=\"translate(1670 1136.224)\" fill=\"#004e9c\"><\/circle><path data-name=\"Trac\u00e9 521\" d=\"M16.715-78.4a.991.991,0,0,1,.3.727.892.892,0,0,1-.276.652.892.892,0,0,1-.652.276.976.976,0,0,1-.727-.351L11.3-81.731,7.26-77.091a.976.976,0,0,1-.727.351.933.933,0,0,1-.665-.276.9.9,0,0,1-.288-.677,1.02,1.02,0,0,1,.3-.7l4.163-4.69L6.057-87.625a1.084,1.084,0,0,1-.3-.7A.9.9,0,0,1,6.044-89a.906.906,0,0,1,.64-.276.976.976,0,0,1,.727.351L11.3-84.465l3.887-4.464a.976.976,0,0,1,.727-.351.892.892,0,0,1,.652.276.892.892,0,0,1,.276.652.991.991,0,0,1-.3.727l-3.988,4.539Z\" transform=\"translate(1672.702 1233.234)\" fill=\"#fff\"><\/path><\/g><\/svg>\n                                                    <\/span>\n                                                <\/span>\n                                            <\/h3>\n                                        <\/div>\n                                        <div class=\"accordion-content\">\n                                            <p class=\"p1\">Nous ne vous recommandons pas de suspendre ou d\u2019annuler votre assurance auto pendant que vous \u00eates en vacances. Toutefois, lorsque vous vous absentez pendant 45 jours ou plus, vous pouvez suspendre une partie de votre couverture pour r\u00e9aliser des \u00e9conomies pendant que vous n\u2019utilisez pas votre v\u00e9hicule.<\/p>                                        <\/div>\n                                    <\/div>\n                                                                        <div class=\"accordion-group\">\n                                        <div class=\"accordion-header\">\n                                            <h3>\n                                                <span class=\"icons\"><span class=\"icon all\"><\/span>&nbsp;+&nbsp;<span class=\"icon icon2 auto\"><\/span><\/span>\n                                                <span class=\"title\"><a href=\"#\">Si j\u2019ai un accident, ai-je droit \u00e0 un v\u00e9hicule de location au titre de mon assurance?<\/a><\/span>\n                                                <span class=\"toggler\">\n                                                    <span class=\"toggler-closed\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28.455\" height=\"28.455\" viewBox=\"0 0 28.455 28.455\"><path data-name=\"Icon ionic-ios-arrow-dropright-circle\" d=\"M3.375,17.6A14.227,14.227,0,1,0,17.6,3.375,14.225,14.225,0,0,0,3.375,17.6Zm16.724,0-5.6-5.547a1.32,1.32,0,0,1,1.867-1.867l6.525,6.546a1.319,1.319,0,0,1,.041,1.819L16.5,25a1.318,1.318,0,1,1-1.867-1.86Z\" transform=\"translate(31.83 -3.375) rotate(90)\" fill=\"#97aec6\"><\/path><\/svg>\n                                                    <\/span>\n                                                    <span class=\"toggler-opened\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28\" height=\"28\" viewBox=\"0 0 28 28\"><g data-name=\"Groupe 466\" transform=\"translate(-1670 -1136.224)\"><circle data-name=\"Ellipse 8\" cx=\"14\" cy=\"14\" r=\"14\" transform=\"translate(1670 1136.224)\" fill=\"#004e9c\"><\/circle><path data-name=\"Trac\u00e9 521\" d=\"M16.715-78.4a.991.991,0,0,1,.3.727.892.892,0,0,1-.276.652.892.892,0,0,1-.652.276.976.976,0,0,1-.727-.351L11.3-81.731,7.26-77.091a.976.976,0,0,1-.727.351.933.933,0,0,1-.665-.276.9.9,0,0,1-.288-.677,1.02,1.02,0,0,1,.3-.7l4.163-4.69L6.057-87.625a1.084,1.084,0,0,1-.3-.7A.9.9,0,0,1,6.044-89a.906.906,0,0,1,.64-.276.976.976,0,0,1,.727.351L11.3-84.465l3.887-4.464a.976.976,0,0,1,.727-.351.892.892,0,0,1,.652.276.892.892,0,0,1,.276.652.991.991,0,0,1-.3.727l-3.988,4.539Z\" transform=\"translate(1672.702 1233.234)\" fill=\"#fff\"><\/path><\/g><\/svg>\n                                                    <\/span>\n                                                <\/span>\n                                            <\/h3>\n                                        <\/div>\n                                        <div class=\"accordion-content\">\n                                            <p class=\"p1\">En cas d\u2019accident non responsable, vous avez g\u00e9n\u00e9ralement droit au remboursement des frais engag\u00e9s pour la location d\u2019un v\u00e9hicule. Pour vous assurer que vous aurez droit \u00e0 un v\u00e9hicule de location en cas d\u2019accident ou d\u2019autres dommages, assurez-vous que votre police comporte une garantie de perte de jouissance du v\u00e9hicule (avenant no 20).<\/p>                                        <\/div>\n                                    <\/div>\n                                                                        <div class=\"accordion-group\">\n                                        <div class=\"accordion-header\">\n                                            <h3>\n                                                <span class=\"icons\"><span class=\"icon all\"><\/span>&nbsp;+&nbsp;<span class=\"icon icon2 auto\"><\/span><\/span>\n                                                <span class=\"title\"><a href=\"#\">Dois-je souscrire une assurance aupr\u00e8s de la compagnie de location de voitures lorsque je loue une voiture ou suis-je couvert par mon assurance auto?<\/a><\/span>\n                                                <span class=\"toggler\">\n                                                    <span class=\"toggler-closed\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28.455\" height=\"28.455\" viewBox=\"0 0 28.455 28.455\"><path data-name=\"Icon ionic-ios-arrow-dropright-circle\" d=\"M3.375,17.6A14.227,14.227,0,1,0,17.6,3.375,14.225,14.225,0,0,0,3.375,17.6Zm16.724,0-5.6-5.547a1.32,1.32,0,0,1,1.867-1.867l6.525,6.546a1.319,1.319,0,0,1,.041,1.819L16.5,25a1.318,1.318,0,1,1-1.867-1.86Z\" transform=\"translate(31.83 -3.375) rotate(90)\" fill=\"#97aec6\"><\/path><\/svg>\n                                                    <\/span>\n                                                    <span class=\"toggler-opened\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28\" height=\"28\" viewBox=\"0 0 28 28\"><g data-name=\"Groupe 466\" transform=\"translate(-1670 -1136.224)\"><circle data-name=\"Ellipse 8\" cx=\"14\" cy=\"14\" r=\"14\" transform=\"translate(1670 1136.224)\" fill=\"#004e9c\"><\/circle><path data-name=\"Trac\u00e9 521\" d=\"M16.715-78.4a.991.991,0,0,1,.3.727.892.892,0,0,1-.276.652.892.892,0,0,1-.652.276.976.976,0,0,1-.727-.351L11.3-81.731,7.26-77.091a.976.976,0,0,1-.727.351.933.933,0,0,1-.665-.276.9.9,0,0,1-.288-.677,1.02,1.02,0,0,1,.3-.7l4.163-4.69L6.057-87.625a1.084,1.084,0,0,1-.3-.7A.9.9,0,0,1,6.044-89a.906.906,0,0,1,.64-.276.976.976,0,0,1,.727.351L11.3-84.465l3.887-4.464a.976.976,0,0,1,.727-.351.892.892,0,0,1,.652.276.892.892,0,0,1,.276.652.991.991,0,0,1-.3.727l-3.988,4.539Z\" transform=\"translate(1672.702 1233.234)\" fill=\"#fff\"><\/path><\/g><\/svg>\n                                                    <\/span>\n                                                <\/span>\n                                            <\/h3>\n                                        <\/div>\n                                        <div class=\"accordion-content\">\n                                            <p class=\"p1\">Votre protection en responsabilit\u00e9 civile vous suit partout en Am\u00e9rique\u00a0du\u00a0Nord. Les dommages caus\u00e9s \u00e0 une voiture de location ne sont couverts par votre police d\u2019assurance auto que si votre police comporte une garantie de responsabilit\u00e9 pour dommages inflig\u00e9s \u00e0 des automobiles appartenant \u00e0 un tiers (avenant no 27). Vous pouvez ajouter cette protection en tout temps en communiquant avec un de nos courtiers.<\/p>                                        <\/div>\n                                    <\/div>\n                                                                        <div class=\"accordion-group\">\n                                        <div class=\"accordion-header\">\n                                            <h3>\n                                                <span class=\"icons\"><span class=\"icon all\"><\/span>&nbsp;+&nbsp;<span class=\"icon icon2 auto\"><\/span><\/span>\n                                                <span class=\"title\"><a href=\"#\">Puis-je obtenir un rabais si je souscris mes assurances auto et habitation aupr\u00e8s de la m\u00eame compagnie d\u2019assurance?<\/a><\/span>\n                                                <span class=\"toggler\">\n                                                    <span class=\"toggler-closed\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28.455\" height=\"28.455\" viewBox=\"0 0 28.455 28.455\"><path data-name=\"Icon ionic-ios-arrow-dropright-circle\" d=\"M3.375,17.6A14.227,14.227,0,1,0,17.6,3.375,14.225,14.225,0,0,0,3.375,17.6Zm16.724,0-5.6-5.547a1.32,1.32,0,0,1,1.867-1.867l6.525,6.546a1.319,1.319,0,0,1,.041,1.819L16.5,25a1.318,1.318,0,1,1-1.867-1.86Z\" transform=\"translate(31.83 -3.375) rotate(90)\" fill=\"#97aec6\"><\/path><\/svg>\n                                                    <\/span>\n                                                    <span class=\"toggler-opened\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28\" height=\"28\" viewBox=\"0 0 28 28\"><g data-name=\"Groupe 466\" transform=\"translate(-1670 -1136.224)\"><circle data-name=\"Ellipse 8\" cx=\"14\" cy=\"14\" r=\"14\" transform=\"translate(1670 1136.224)\" fill=\"#004e9c\"><\/circle><path data-name=\"Trac\u00e9 521\" d=\"M16.715-78.4a.991.991,0,0,1,.3.727.892.892,0,0,1-.276.652.892.892,0,0,1-.652.276.976.976,0,0,1-.727-.351L11.3-81.731,7.26-77.091a.976.976,0,0,1-.727.351.933.933,0,0,1-.665-.276.9.9,0,0,1-.288-.677,1.02,1.02,0,0,1,.3-.7l4.163-4.69L6.057-87.625a1.084,1.084,0,0,1-.3-.7A.9.9,0,0,1,6.044-89a.906.906,0,0,1,.64-.276.976.976,0,0,1,.727.351L11.3-84.465l3.887-4.464a.976.976,0,0,1,.727-.351.892.892,0,0,1,.652.276.892.892,0,0,1,.276.652.991.991,0,0,1-.3.727l-3.988,4.539Z\" transform=\"translate(1672.702 1233.234)\" fill=\"#fff\"><\/path><\/g><\/svg>\n                                                    <\/span>\n                                                <\/span>\n                                            <\/h3>\n                                        <\/div>\n                                        <div class=\"accordion-content\">\n                                            <p class=\"p1\">Tout \u00e0 fait! Suivant la compagnie d\u2019assurance avec laquelle vous traitez, le rabais auquel vous aurez droit pourrait atteindre 15 %!<\/p>                                        <\/div>\n                                    <\/div>\n                                                                        <div class=\"accordion-group\">\n                                        <div class=\"accordion-header\">\n                                            <h3>\n                                                <span class=\"icons\"><span class=\"icon all\"><\/span>&nbsp;+&nbsp;<span class=\"icon icon2 auto\"><\/span><\/span>\n                                                <span class=\"title\"><a href=\"#\">Ma voiture ne vaut pas grand-chose. Dois-je vraiment souscrire une assurance auto?<\/a><\/span>\n                                                <span class=\"toggler\">\n                                                    <span class=\"toggler-closed\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28.455\" height=\"28.455\" viewBox=\"0 0 28.455 28.455\"><path data-name=\"Icon ionic-ios-arrow-dropright-circle\" d=\"M3.375,17.6A14.227,14.227,0,1,0,17.6,3.375,14.225,14.225,0,0,0,3.375,17.6Zm16.724,0-5.6-5.547a1.32,1.32,0,0,1,1.867-1.867l6.525,6.546a1.319,1.319,0,0,1,.041,1.819L16.5,25a1.318,1.318,0,1,1-1.867-1.86Z\" transform=\"translate(31.83 -3.375) rotate(90)\" fill=\"#97aec6\"><\/path><\/svg>\n                                                    <\/span>\n                                                    <span class=\"toggler-opened\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28\" height=\"28\" viewBox=\"0 0 28 28\"><g data-name=\"Groupe 466\" transform=\"translate(-1670 -1136.224)\"><circle data-name=\"Ellipse 8\" cx=\"14\" cy=\"14\" r=\"14\" transform=\"translate(1670 1136.224)\" fill=\"#004e9c\"><\/circle><path data-name=\"Trac\u00e9 521\" d=\"M16.715-78.4a.991.991,0,0,1,.3.727.892.892,0,0,1-.276.652.892.892,0,0,1-.652.276.976.976,0,0,1-.727-.351L11.3-81.731,7.26-77.091a.976.976,0,0,1-.727.351.933.933,0,0,1-.665-.276.9.9,0,0,1-.288-.677,1.02,1.02,0,0,1,.3-.7l4.163-4.69L6.057-87.625a1.084,1.084,0,0,1-.3-.7A.9.9,0,0,1,6.044-89a.906.906,0,0,1,.64-.276.976.976,0,0,1,.727.351L11.3-84.465l3.887-4.464a.976.976,0,0,1,.727-.351.892.892,0,0,1,.652.276.892.892,0,0,1,.276.652.991.991,0,0,1-.3.727l-3.988,4.539Z\" transform=\"translate(1672.702 1233.234)\" fill=\"#fff\"><\/path><\/g><\/svg>\n                                                    <\/span>\n                                                <\/span>\n                                            <\/h3>\n                                        <\/div>\n                                        <div class=\"accordion-content\">\n                                            <span style=\"font-weight: 400;\">La loi vous oblige \u00e0 souscrire certaines protections, comme l\u2019assurance responsabilit\u00e9 civile* et les indemnit\u00e9s d\u2019accident**. D\u2019autres protections sont quant \u00e0 elles facultatives. C\u2019est notamment le cas des protections collision et accident sans collision ni versement. Ces protections facultatives couvrent le co\u00fbt de la r\u00e9paration ou du remplacement du v\u00e9hicule apr\u00e8s un accident ou d\u2019autres \u00e9v\u00e9nements tels que l\u2019incendie, le vandalisme ou la chute d\u2019un arbre sur votre voiture. Si vous \u00eates pr\u00eat \u00e0 payer vous-m\u00eame les r\u00e9parations, vous n\u2019\u00eates pas tenu de souscrire une protection collision ou une protection accident sans collision ni versement.<\/span>\r\n\r\n<em><span style=\"font-weight: 400;\">*La couverture d\u2019assurance responsabilit\u00e9 civile vous prot\u00e8ge dans l\u2019\u00e9ventualit\u00e9 o\u00f9 vous \u00eates poursuivi et \u00eates reconnu l\u00e9galement responsable d\u2019avoir caus\u00e9 des dommages \u00e0 la propri\u00e9t\u00e9 d\u2019autrui ou d\u2019avoir bless\u00e9 quelqu\u2019un.<\/span><\/em>\r\n\r\n<em><span style=\"font-weight: 400;\">**Les indemnit\u00e9s d\u2019accident couvrent les d\u00e9penses engag\u00e9es si vous ou un passager \u00eates bless\u00e9 dans un accident de la route. Si vous ou un passager\u00a0 mourez par suite d\u2019un accident de la route, des indemnit\u00e9s sont vers\u00e9es \u00e0 votre famille.<\/span><\/em>                                        <\/div>\n                                    <\/div>\n                                                                        <div class=\"accordion-group\">\n                                        <div class=\"accordion-header\">\n                                            <h3>\n                                                <span class=\"icons\"><span class=\"icon all\"><\/span>&nbsp;+&nbsp;<span class=\"icon icon2 auto\"><\/span><\/span>\n                                                <span class=\"title\"><a href=\"#\">Quelle diff\u00e9rence y a-t-il entre la \u00ab valeur au jour du sinistre \u00bb et le \u00ab co\u00fbt de remplacement \u00bb?<\/a><\/span>\n                                                <span class=\"toggler\">\n                                                    <span class=\"toggler-closed\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28.455\" height=\"28.455\" viewBox=\"0 0 28.455 28.455\"><path data-name=\"Icon ionic-ios-arrow-dropright-circle\" d=\"M3.375,17.6A14.227,14.227,0,1,0,17.6,3.375,14.225,14.225,0,0,0,3.375,17.6Zm16.724,0-5.6-5.547a1.32,1.32,0,0,1,1.867-1.867l6.525,6.546a1.319,1.319,0,0,1,.041,1.819L16.5,25a1.318,1.318,0,1,1-1.867-1.86Z\" transform=\"translate(31.83 -3.375) rotate(90)\" fill=\"#97aec6\"><\/path><\/svg>\n                                                    <\/span>\n                                                    <span class=\"toggler-opened\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28\" height=\"28\" viewBox=\"0 0 28 28\"><g data-name=\"Groupe 466\" transform=\"translate(-1670 -1136.224)\"><circle data-name=\"Ellipse 8\" cx=\"14\" cy=\"14\" r=\"14\" transform=\"translate(1670 1136.224)\" fill=\"#004e9c\"><\/circle><path data-name=\"Trac\u00e9 521\" d=\"M16.715-78.4a.991.991,0,0,1,.3.727.892.892,0,0,1-.276.652.892.892,0,0,1-.652.276.976.976,0,0,1-.727-.351L11.3-81.731,7.26-77.091a.976.976,0,0,1-.727.351.933.933,0,0,1-.665-.276.9.9,0,0,1-.288-.677,1.02,1.02,0,0,1,.3-.7l4.163-4.69L6.057-87.625a1.084,1.084,0,0,1-.3-.7A.9.9,0,0,1,6.044-89a.906.906,0,0,1,.64-.276.976.976,0,0,1,.727.351L11.3-84.465l3.887-4.464a.976.976,0,0,1,.727-.351.892.892,0,0,1,.652.276.892.892,0,0,1,.276.652.991.991,0,0,1-.3.727l-3.988,4.539Z\" transform=\"translate(1672.702 1233.234)\" fill=\"#fff\"><\/path><\/g><\/svg>\n                                                    <\/span>\n                                                <\/span>\n                                            <\/h3>\n                                        <\/div>\n                                        <div class=\"accordion-content\">\n                                            <p class=\"p1\">Pour d\u00e9terminer le montant qu\u2019elle vous remboursera, la compagnie d\u2019assurance \u00e9tablit la valeur au jour du sinistre du bien endommag\u00e9, en tenant compte de sa d\u00e9pr\u00e9ciation. Par contre, si vous \u00eates indemnis\u00e9 en fonction du \u00ab co\u00fbt de remplacement \u00bb, la compagnie d\u2019assurance vous remboursera le co\u00fbt d\u2019un bien de m\u00eame nature et de m\u00eame qualit\u00e9.<\/p>                                        <\/div>\n                                    <\/div>\n                                                                        <div class=\"accordion-group\">\n                                        <div class=\"accordion-header\">\n                                            <h3>\n                                                <span class=\"icons\"><span class=\"icon all\"><\/span>&nbsp;+&nbsp;<span class=\"icon icon2 auto\"><\/span><\/span>\n                                                <span class=\"title\"><a href=\"#\">Je magasine dans le but de remplacer mon v\u00e9hicule; comment faire pour obtenir une soumission pour le mod\u00e8le et la marque du v\u00e9hicule qui m\u2019int\u00e9resse?<\/a><\/span>\n                                                <span class=\"toggler\">\n                                                    <span class=\"toggler-closed\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28.455\" height=\"28.455\" viewBox=\"0 0 28.455 28.455\"><path data-name=\"Icon ionic-ios-arrow-dropright-circle\" d=\"M3.375,17.6A14.227,14.227,0,1,0,17.6,3.375,14.225,14.225,0,0,0,3.375,17.6Zm16.724,0-5.6-5.547a1.32,1.32,0,0,1,1.867-1.867l6.525,6.546a1.319,1.319,0,0,1,.041,1.819L16.5,25a1.318,1.318,0,1,1-1.867-1.86Z\" transform=\"translate(31.83 -3.375) rotate(90)\" fill=\"#97aec6\"><\/path><\/svg>\n                                                    <\/span>\n                                                    <span class=\"toggler-opened\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28\" height=\"28\" viewBox=\"0 0 28 28\"><g data-name=\"Groupe 466\" transform=\"translate(-1670 -1136.224)\"><circle data-name=\"Ellipse 8\" cx=\"14\" cy=\"14\" r=\"14\" transform=\"translate(1670 1136.224)\" fill=\"#004e9c\"><\/circle><path data-name=\"Trac\u00e9 521\" d=\"M16.715-78.4a.991.991,0,0,1,.3.727.892.892,0,0,1-.276.652.892.892,0,0,1-.652.276.976.976,0,0,1-.727-.351L11.3-81.731,7.26-77.091a.976.976,0,0,1-.727.351.933.933,0,0,1-.665-.276.9.9,0,0,1-.288-.677,1.02,1.02,0,0,1,.3-.7l4.163-4.69L6.057-87.625a1.084,1.084,0,0,1-.3-.7A.9.9,0,0,1,6.044-89a.906.906,0,0,1,.64-.276.976.976,0,0,1,.727.351L11.3-84.465l3.887-4.464a.976.976,0,0,1,.727-.351.892.892,0,0,1,.652.276.892.892,0,0,1,.276.652.991.991,0,0,1-.3.727l-3.988,4.539Z\" transform=\"translate(1672.702 1233.234)\" fill=\"#fff\"><\/path><\/g><\/svg>\n                                                    <\/span>\n                                                <\/span>\n                                            <\/h3>\n                                        <\/div>\n                                        <div class=\"accordion-content\">\n                                            <p class=\"p1\">Vous pouvez faite la demande de soumission en cliquant \u2018Get A Quote\u2019.<\/p>\r\n<p class=\"p1\"><img fetchpriority=\"high\" decoding=\"async\" class=\"alignnone wp-image-13007 size-full\" src=\"https:\/\/www.inovainc.ca\/wp-content\/uploads\/2023\/09\/myInova-Screenshot-1.png\" alt=\"\" width=\"1035\" height=\"640\" srcset=\"https:\/\/www.inovainc.ca\/wp-content\/uploads\/2023\/09\/myInova-Screenshot-1.png 1035w, https:\/\/www.inovainc.ca\/wp-content\/uploads\/2023\/09\/myInova-Screenshot-1-300x186.png 300w, https:\/\/www.inovainc.ca\/wp-content\/uploads\/2023\/09\/myInova-Screenshot-1-1024x633.png 1024w, https:\/\/www.inovainc.ca\/wp-content\/uploads\/2023\/09\/myInova-Screenshot-1-768x475.png 768w\" sizes=\"(max-width: 1035px) 100vw, 1035px\" \/><\/p>\r\n<p class=\"p1\">Si vous chercher \u00e0 remplacer votre v\u00e9hicule, vous devez s\u00e9lectionner \u2018Quote for a Replacement Vehicle\u2019. Cependant, si vous voulez ajouter un v\u00e9hicule \u00e0 votre police, vous devrez choisir \u2018Quote for a New Vehicle\u2019 peu importe si le v\u00e9hicule qui vous int\u00e9resse est neuf ou usag\u00e9.<\/p>\r\n<p class=\"p1\"><img decoding=\"async\" class=\"alignnone wp-image-13009 size-full\" src=\"https:\/\/www.inovainc.ca\/wp-content\/uploads\/2023\/09\/myInova-Screenshot-2.png\" alt=\"\" width=\"1429\" height=\"604\" srcset=\"https:\/\/www.inovainc.ca\/wp-content\/uploads\/2023\/09\/myInova-Screenshot-2.png 1429w, https:\/\/www.inovainc.ca\/wp-content\/uploads\/2023\/09\/myInova-Screenshot-2-300x127.png 300w, https:\/\/www.inovainc.ca\/wp-content\/uploads\/2023\/09\/myInova-Screenshot-2-1024x433.png 1024w, https:\/\/www.inovainc.ca\/wp-content\/uploads\/2023\/09\/myInova-Screenshot-2-768x325.png 768w\" sizes=\"(max-width: 1429px) 100vw, 1429px\" \/><\/p>\r\n<p class=\"p1\">Afin de nous assurer que vous b\u00e9n\u00e9ficiez de tous les rabais auxquels vous avez droit et que nous avons calcul\u00e9 la prime la plus avantageuse, l'un de nos courtiers vous contactera d\u2019ici un \u00e0 deux jours ouvrables.<\/p>\r\n<p class=\"p1\"><img decoding=\"async\" class=\"alignnone size-full wp-image-13005\" src=\"https:\/\/www.inovainc.ca\/wp-content\/uploads\/2023\/09\/myInova-Screenshot-3.png\" alt=\"\" width=\"632\" height=\"312\" srcset=\"https:\/\/www.inovainc.ca\/wp-content\/uploads\/2023\/09\/myInova-Screenshot-3.png 632w, https:\/\/www.inovainc.ca\/wp-content\/uploads\/2023\/09\/myInova-Screenshot-3-300x148.png 300w\" sizes=\"(max-width: 632px) 100vw, 632px\" \/><\/p>\r\n<p class=\"p1\"><strong>Ce que vous devez savoir<\/strong><\/p>\r\n\r\n<ul>\r\n \t<li>Votre soumission sera en date d\u2019aujourd\u2019hui.<\/li>\r\n \t<li>Si vous d\u00e9cidez d\u2019apporter des changements \u00e0 votre police en fonction de la soumission re\u00e7ue, vous devrez confirmer la date d\u2019entr\u00e9e en vigueur.<\/li>\r\n \t<li>Lorsque nous recevrons votre demande, nous vous contacterons pour vous informer de la prime et vous aurez l\u2019option de faire le changement ou non.<\/li>\r\n<\/ul>                                        <\/div>\n                                    <\/div>\n                                                                        <div class=\"accordion-group\">\n                                        <div class=\"accordion-header\">\n                                            <h3>\n                                                <span class=\"icons\"><span class=\"icon all\"><\/span>&nbsp;+&nbsp;<span class=\"icon icon2 habitation\"><\/span><\/span>\n                                                <span class=\"title\"><a href=\"#\">Dois-je payer une p\u00e9nalit\u00e9 lorsque j\u2019annule ma police d\u2019assurance auto ou habitation?<\/a><\/span>\n                                                <span class=\"toggler\">\n                                                    <span class=\"toggler-closed\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28.455\" height=\"28.455\" viewBox=\"0 0 28.455 28.455\"><path data-name=\"Icon ionic-ios-arrow-dropright-circle\" d=\"M3.375,17.6A14.227,14.227,0,1,0,17.6,3.375,14.225,14.225,0,0,0,3.375,17.6Zm16.724,0-5.6-5.547a1.32,1.32,0,0,1,1.867-1.867l6.525,6.546a1.319,1.319,0,0,1,.041,1.819L16.5,25a1.318,1.318,0,1,1-1.867-1.86Z\" transform=\"translate(31.83 -3.375) rotate(90)\" fill=\"#97aec6\"><\/path><\/svg>\n                                                    <\/span>\n                                                    <span class=\"toggler-opened\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28\" height=\"28\" viewBox=\"0 0 28 28\"><g data-name=\"Groupe 466\" transform=\"translate(-1670 -1136.224)\"><circle data-name=\"Ellipse 8\" cx=\"14\" cy=\"14\" r=\"14\" transform=\"translate(1670 1136.224)\" fill=\"#004e9c\"><\/circle><path data-name=\"Trac\u00e9 521\" d=\"M16.715-78.4a.991.991,0,0,1,.3.727.892.892,0,0,1-.276.652.892.892,0,0,1-.652.276.976.976,0,0,1-.727-.351L11.3-81.731,7.26-77.091a.976.976,0,0,1-.727.351.933.933,0,0,1-.665-.276.9.9,0,0,1-.288-.677,1.02,1.02,0,0,1,.3-.7l4.163-4.69L6.057-87.625a1.084,1.084,0,0,1-.3-.7A.9.9,0,0,1,6.044-89a.906.906,0,0,1,.64-.276.976.976,0,0,1,.727.351L11.3-84.465l3.887-4.464a.976.976,0,0,1,.727-.351.892.892,0,0,1,.652.276.892.892,0,0,1,.276.652.991.991,0,0,1-.3.727l-3.988,4.539Z\" transform=\"translate(1672.702 1233.234)\" fill=\"#fff\"><\/path><\/g><\/svg>\n                                                    <\/span>\n                                                <\/span>\n                                            <\/h3>\n                                        <\/div>\n                                        <div class=\"accordion-content\">\n                                            <span style=\"font-weight: 400;\">Lorsque vous demandez l\u2019annulation (la r\u00e9siliation) de votre police \u00e0 la date de renouvellement, vous n\u2019avez ni p\u00e9nalit\u00e9 ni frais suppl\u00e9mentaires \u00e0 payer. Toute demande de r\u00e9siliation pr\u00e9sent\u00e9e en cours de contrat donne cependant lieu \u00e0 des frais de r\u00e9siliation.<\/span>                                        <\/div>\n                                    <\/div>\n                                                                        <div class=\"accordion-group\">\n                                        <div class=\"accordion-header\">\n                                            <h3>\n                                                <span class=\"icons\"><span class=\"icon all\"><\/span>&nbsp;+&nbsp;<span class=\"icon icon2 habitation\"><\/span><\/span>\n                                                <span class=\"title\"><a href=\"#\">Puis-je obtenir un rabais si je souscris mes assurances auto et habitation aupr\u00e8s de la m\u00eame compagnie d\u2019assurance?<\/a><\/span>\n                                                <span class=\"toggler\">\n                                                    <span class=\"toggler-closed\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28.455\" height=\"28.455\" viewBox=\"0 0 28.455 28.455\"><path data-name=\"Icon ionic-ios-arrow-dropright-circle\" d=\"M3.375,17.6A14.227,14.227,0,1,0,17.6,3.375,14.225,14.225,0,0,0,3.375,17.6Zm16.724,0-5.6-5.547a1.32,1.32,0,0,1,1.867-1.867l6.525,6.546a1.319,1.319,0,0,1,.041,1.819L16.5,25a1.318,1.318,0,1,1-1.867-1.86Z\" transform=\"translate(31.83 -3.375) rotate(90)\" fill=\"#97aec6\"><\/path><\/svg>\n                                                    <\/span>\n                                                    <span class=\"toggler-opened\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28\" height=\"28\" viewBox=\"0 0 28 28\"><g data-name=\"Groupe 466\" transform=\"translate(-1670 -1136.224)\"><circle data-name=\"Ellipse 8\" cx=\"14\" cy=\"14\" r=\"14\" transform=\"translate(1670 1136.224)\" fill=\"#004e9c\"><\/circle><path data-name=\"Trac\u00e9 521\" d=\"M16.715-78.4a.991.991,0,0,1,.3.727.892.892,0,0,1-.276.652.892.892,0,0,1-.652.276.976.976,0,0,1-.727-.351L11.3-81.731,7.26-77.091a.976.976,0,0,1-.727.351.933.933,0,0,1-.665-.276.9.9,0,0,1-.288-.677,1.02,1.02,0,0,1,.3-.7l4.163-4.69L6.057-87.625a1.084,1.084,0,0,1-.3-.7A.9.9,0,0,1,6.044-89a.906.906,0,0,1,.64-.276.976.976,0,0,1,.727.351L11.3-84.465l3.887-4.464a.976.976,0,0,1,.727-.351.892.892,0,0,1,.652.276.892.892,0,0,1,.276.652.991.991,0,0,1-.3.727l-3.988,4.539Z\" transform=\"translate(1672.702 1233.234)\" fill=\"#fff\"><\/path><\/g><\/svg>\n                                                    <\/span>\n                                                <\/span>\n                                            <\/h3>\n                                        <\/div>\n                                        <div class=\"accordion-content\">\n                                            <p class=\"p1\">Tout \u00e0 fait! Suivant la compagnie d\u2019assurance avec laquelle vous traitez, le rabais auquel vous aurez droit pourrait atteindre 15 %!<\/p>                                        <\/div>\n                                    <\/div>\n                                                                        <div class=\"accordion-group\">\n                                        <div class=\"accordion-header\">\n                                            <h3>\n                                                <span class=\"icons\"><span class=\"icon all\"><\/span>&nbsp;+&nbsp;<span class=\"icon icon2 habitation\"><\/span><\/span>\n                                                <span class=\"title\"><a href=\"#\">Comment puis-je diminuer ma prime d\u2019assurance habitation?<\/a><\/span>\n                                                <span class=\"toggler\">\n                                                    <span class=\"toggler-closed\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28.455\" height=\"28.455\" viewBox=\"0 0 28.455 28.455\"><path data-name=\"Icon ionic-ios-arrow-dropright-circle\" d=\"M3.375,17.6A14.227,14.227,0,1,0,17.6,3.375,14.225,14.225,0,0,0,3.375,17.6Zm16.724,0-5.6-5.547a1.32,1.32,0,0,1,1.867-1.867l6.525,6.546a1.319,1.319,0,0,1,.041,1.819L16.5,25a1.318,1.318,0,1,1-1.867-1.86Z\" transform=\"translate(31.83 -3.375) rotate(90)\" fill=\"#97aec6\"><\/path><\/svg>\n                                                    <\/span>\n                                                    <span class=\"toggler-opened\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28\" height=\"28\" viewBox=\"0 0 28 28\"><g data-name=\"Groupe 466\" transform=\"translate(-1670 -1136.224)\"><circle data-name=\"Ellipse 8\" cx=\"14\" cy=\"14\" r=\"14\" transform=\"translate(1670 1136.224)\" fill=\"#004e9c\"><\/circle><path data-name=\"Trac\u00e9 521\" d=\"M16.715-78.4a.991.991,0,0,1,.3.727.892.892,0,0,1-.276.652.892.892,0,0,1-.652.276.976.976,0,0,1-.727-.351L11.3-81.731,7.26-77.091a.976.976,0,0,1-.727.351.933.933,0,0,1-.665-.276.9.9,0,0,1-.288-.677,1.02,1.02,0,0,1,.3-.7l4.163-4.69L6.057-87.625a1.084,1.084,0,0,1-.3-.7A.9.9,0,0,1,6.044-89a.906.906,0,0,1,.64-.276.976.976,0,0,1,.727.351L11.3-84.465l3.887-4.464a.976.976,0,0,1,.727-.351.892.892,0,0,1,.652.276.892.892,0,0,1,.276.652.991.991,0,0,1-.3.727l-3.988,4.539Z\" transform=\"translate(1672.702 1233.234)\" fill=\"#fff\"><\/path><\/g><\/svg>\n                                                    <\/span>\n                                                <\/span>\n                                            <\/h3>\n                                        <\/div>\n                                        <div class=\"accordion-content\">\n                                            <p class=\"p1\">Vous pouvez songer \u00e0 regrouper vos assurances auto et habitation pour obtenir des rabais sur les deux polices. Vous pouvez \u00e9galement augmenter le montant de votre franchise pour r\u00e9duire votre prime. Songez \u00e0 installer un syst\u00e8me de s\u00e9curit\u00e9 reli\u00e9 \u00e0 une centrale pour d\u00e9tecter les vols et les incendies, car la plupart des compagnies d\u2019assurance offrent des rabais int\u00e9ressants pour les maisons \u00e9quip\u00e9es de tels syst\u00e8mes. Il est \u00e9galement tr\u00e8s important de bien entretenir la propri\u00e9t\u00e9, en particulier votre toit et la plomberie, ainsi que les syst\u00e8mes \u00e9lectriques et de chauffage. Songez \u00e0 payer de votre poche les petites r\u00e9clamations afin de continuer d\u2019avoir droit au rabais pour absence de r\u00e9clamation \u00e0 votre dossier.\r\n\r\n<\/p>                                        <\/div>\n                                    <\/div>\n                                                                        <div class=\"accordion-group\">\n                                        <div class=\"accordion-header\">\n                                            <h3>\n                                                <span class=\"icons\"><span class=\"icon all\"><\/span>&nbsp;+&nbsp;<span class=\"icon icon2 habitation\"><\/span><\/span>\n                                                <span class=\"title\"><a href=\"#\">Qu\u2019est-ce qu\u2019on entend par \u00ab protection en responsabilit\u00e9 civile \u00bb (assurance habitation) et pourquoi en ai-je besoin?<\/a><\/span>\n                                                <span class=\"toggler\">\n                                                    <span class=\"toggler-closed\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28.455\" height=\"28.455\" viewBox=\"0 0 28.455 28.455\"><path data-name=\"Icon ionic-ios-arrow-dropright-circle\" d=\"M3.375,17.6A14.227,14.227,0,1,0,17.6,3.375,14.225,14.225,0,0,0,3.375,17.6Zm16.724,0-5.6-5.547a1.32,1.32,0,0,1,1.867-1.867l6.525,6.546a1.319,1.319,0,0,1,.041,1.819L16.5,25a1.318,1.318,0,1,1-1.867-1.86Z\" transform=\"translate(31.83 -3.375) rotate(90)\" fill=\"#97aec6\"><\/path><\/svg>\n                                                    <\/span>\n                                                    <span class=\"toggler-opened\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28\" height=\"28\" viewBox=\"0 0 28 28\"><g data-name=\"Groupe 466\" transform=\"translate(-1670 -1136.224)\"><circle data-name=\"Ellipse 8\" cx=\"14\" cy=\"14\" r=\"14\" transform=\"translate(1670 1136.224)\" fill=\"#004e9c\"><\/circle><path data-name=\"Trac\u00e9 521\" d=\"M16.715-78.4a.991.991,0,0,1,.3.727.892.892,0,0,1-.276.652.892.892,0,0,1-.652.276.976.976,0,0,1-.727-.351L11.3-81.731,7.26-77.091a.976.976,0,0,1-.727.351.933.933,0,0,1-.665-.276.9.9,0,0,1-.288-.677,1.02,1.02,0,0,1,.3-.7l4.163-4.69L6.057-87.625a1.084,1.084,0,0,1-.3-.7A.9.9,0,0,1,6.044-89a.906.906,0,0,1,.64-.276.976.976,0,0,1,.727.351L11.3-84.465l3.887-4.464a.976.976,0,0,1,.727-.351.892.892,0,0,1,.652.276.892.892,0,0,1,.276.652.991.991,0,0,1-.3.727l-3.988,4.539Z\" transform=\"translate(1672.702 1233.234)\" fill=\"#fff\"><\/path><\/g><\/svg>\n                                                    <\/span>\n                                                <\/span>\n                                            <\/h3>\n                                        <\/div>\n                                        <div class=\"accordion-content\">\n                                            <p class=\"p1\">Vous pouvez \u00eatre tenu responsable des dommages corporels ou mat\u00e9riels caus\u00e9s involontairement \u00e0 autrui. Gr\u00e2ce \u00e0 la protection en responsabilit\u00e9 civile, votre assureur vous d\u00e9fendra \u00e0 ses frais si vous \u00eates poursuivi en justice. Cette protection vous couvre pour les dommages survenus partout dans le monde. Il est important de noter que toute poursuite en responsabilit\u00e9 civile attribuable \u00e0 un accident de voiture est couverte au titre de la police d\u2019assurance auto et non de la police d\u2019assurance habitation.<\/p>\r\n<p class=\"p1\">Prenons l\u2019exemple d\u2019une personne qui marche dans votre garage et sur laquelle une \u00e9chelle tombe. La personne se fracture une jambe et un bras, qui s\u2019av\u00e8re une blessure permanente. Elle d\u00e9cide alors de vous poursuivre en justice \u00e9tant donn\u00e9 qu\u2019elle ne peut plus travailler.<\/p>                                        <\/div>\n                                    <\/div>\n                                                                        <div class=\"accordion-group\">\n                                        <div class=\"accordion-header\">\n                                            <h3>\n                                                <span class=\"icons\"><span class=\"icon all\"><\/span>&nbsp;+&nbsp;<span class=\"icon icon2 habitation\"><\/span><\/span>\n                                                <span class=\"title\"><a href=\"#\">Que couvre une police d\u2019assurance habitation?<\/a><\/span>\n                                                <span class=\"toggler\">\n                                                    <span class=\"toggler-closed\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28.455\" height=\"28.455\" viewBox=\"0 0 28.455 28.455\"><path data-name=\"Icon ionic-ios-arrow-dropright-circle\" d=\"M3.375,17.6A14.227,14.227,0,1,0,17.6,3.375,14.225,14.225,0,0,0,3.375,17.6Zm16.724,0-5.6-5.547a1.32,1.32,0,0,1,1.867-1.867l6.525,6.546a1.319,1.319,0,0,1,.041,1.819L16.5,25a1.318,1.318,0,1,1-1.867-1.86Z\" transform=\"translate(31.83 -3.375) rotate(90)\" fill=\"#97aec6\"><\/path><\/svg>\n                                                    <\/span>\n                                                    <span class=\"toggler-opened\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28\" height=\"28\" viewBox=\"0 0 28 28\"><g data-name=\"Groupe 466\" transform=\"translate(-1670 -1136.224)\"><circle data-name=\"Ellipse 8\" cx=\"14\" cy=\"14\" r=\"14\" transform=\"translate(1670 1136.224)\" fill=\"#004e9c\"><\/circle><path data-name=\"Trac\u00e9 521\" d=\"M16.715-78.4a.991.991,0,0,1,.3.727.892.892,0,0,1-.276.652.892.892,0,0,1-.652.276.976.976,0,0,1-.727-.351L11.3-81.731,7.26-77.091a.976.976,0,0,1-.727.351.933.933,0,0,1-.665-.276.9.9,0,0,1-.288-.677,1.02,1.02,0,0,1,.3-.7l4.163-4.69L6.057-87.625a1.084,1.084,0,0,1-.3-.7A.9.9,0,0,1,6.044-89a.906.906,0,0,1,.64-.276.976.976,0,0,1,.727.351L11.3-84.465l3.887-4.464a.976.976,0,0,1,.727-.351.892.892,0,0,1,.652.276.892.892,0,0,1,.276.652.991.991,0,0,1-.3.727l-3.988,4.539Z\" transform=\"translate(1672.702 1233.234)\" fill=\"#fff\"><\/path><\/g><\/svg>\n                                                    <\/span>\n                                                <\/span>\n                                            <\/h3>\n                                        <\/div>\n                                        <div class=\"accordion-content\">\n                                            <span style=\"font-weight: 400;\">Toutes les polices d\u2019assurance habitation comprennent une protection en responsabilit\u00e9 civile. La couverture d\u2019assurance responsabilit\u00e9 civile vous prot\u00e8ge dans l\u2019\u00e9ventualit\u00e9 o\u00f9 vous \u00eates poursuivi et \u00eates reconnu l\u00e9galement responsable d\u2019avoir caus\u00e9 des dommages \u00e0 la propri\u00e9t\u00e9 d\u2019autrui ou d\u2019avoir bless\u00e9 quelqu\u2019un.<\/span><span style=\"font-weight: 400;\">\r\n<\/span>\r\n\r\n<span style=\"font-weight: 400;\">Vous avez une maison, un duplex, un triplex ou une maison en rang\u00e9e? Outre la protection en responsabilit\u00e9 civile, votre police d\u2019assurance habitation couvre le b\u00e2timent, les structures d\u00e9tach\u00e9es (comme les cabanons et les garages), les biens personnels et les frais de subsistance suppl\u00e9mentaires.<\/span>\r\n\r\n<span style=\"font-weight: 400;\">Vous avez un condo? Outre la protection en responsabilit\u00e9 civile, votre police d\u2019assurance habitation couvre vos biens personnels et la r\u00e9partition apr\u00e8s sinistre.<\/span>\r\n\r\n<span style=\"font-weight: 400;\">Vous \u00eates locataire? Outre la protection en responsabilit\u00e9 civile, votre police d\u2019assurance habitation couvre vos biens personnels ainsi que les am\u00e9liorations et r\u00e9novations du logement que vous avez effectu\u00e9es (et pay\u00e9es).<\/span>                                        <\/div>\n                                    <\/div>\n                                                                        <div class=\"accordion-group\">\n                                        <div class=\"accordion-header\">\n                                            <h3>\n                                                <span class=\"icons\"><span class=\"icon all\"><\/span>&nbsp;+&nbsp;<span class=\"icon icon2 habitation\"><\/span><\/span>\n                                                <span class=\"title\"><a href=\"#\">Je pars en vacances pendant une semaine ou deux. Est-ce que je dois faire quelque chose en particulier pour mon assurance habitation?<\/a><\/span>\n                                                <span class=\"toggler\">\n                                                    <span class=\"toggler-closed\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28.455\" height=\"28.455\" viewBox=\"0 0 28.455 28.455\"><path data-name=\"Icon ionic-ios-arrow-dropright-circle\" d=\"M3.375,17.6A14.227,14.227,0,1,0,17.6,3.375,14.225,14.225,0,0,0,3.375,17.6Zm16.724,0-5.6-5.547a1.32,1.32,0,0,1,1.867-1.867l6.525,6.546a1.319,1.319,0,0,1,.041,1.819L16.5,25a1.318,1.318,0,1,1-1.867-1.86Z\" transform=\"translate(31.83 -3.375) rotate(90)\" fill=\"#97aec6\"><\/path><\/svg>\n                                                    <\/span>\n                                                    <span class=\"toggler-opened\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28\" height=\"28\" viewBox=\"0 0 28 28\"><g data-name=\"Groupe 466\" transform=\"translate(-1670 -1136.224)\"><circle data-name=\"Ellipse 8\" cx=\"14\" cy=\"14\" r=\"14\" transform=\"translate(1670 1136.224)\" fill=\"#004e9c\"><\/circle><path data-name=\"Trac\u00e9 521\" d=\"M16.715-78.4a.991.991,0,0,1,.3.727.892.892,0,0,1-.276.652.892.892,0,0,1-.652.276.976.976,0,0,1-.727-.351L11.3-81.731,7.26-77.091a.976.976,0,0,1-.727.351.933.933,0,0,1-.665-.276.9.9,0,0,1-.288-.677,1.02,1.02,0,0,1,.3-.7l4.163-4.69L6.057-87.625a1.084,1.084,0,0,1-.3-.7A.9.9,0,0,1,6.044-89a.906.906,0,0,1,.64-.276.976.976,0,0,1,.727.351L11.3-84.465l3.887-4.464a.976.976,0,0,1,.727-.351.892.892,0,0,1,.652.276.892.892,0,0,1,.276.652.991.991,0,0,1-.3.727l-3.988,4.539Z\" transform=\"translate(1672.702 1233.234)\" fill=\"#fff\"><\/path><\/g><\/svg>\n                                                    <\/span>\n                                                <\/span>\n                                            <\/h3>\n                                        <\/div>\n                                        <div class=\"accordion-content\">\n                                            <p class=\"p1\">Je pars en vacances pendant une semaine ou deux. Est-ce que je dois faire quelque chose en particulier pour mon assurance habitation?<\/p>                                        <\/div>\n                                    <\/div>\n                                                                        <div class=\"accordion-group\">\n                                        <div class=\"accordion-header\">\n                                            <h3>\n                                                <span class=\"icons\"><span class=\"icon all\"><\/span>&nbsp;+&nbsp;<span class=\"icon icon2 reclamations\"><\/span><\/span>\n                                                <span class=\"title\"><a href=\"#\">Qu\u2019est-ce qu\u2019une franchise?<\/a><\/span>\n                                                <span class=\"toggler\">\n                                                    <span class=\"toggler-closed\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28.455\" height=\"28.455\" viewBox=\"0 0 28.455 28.455\"><path data-name=\"Icon ionic-ios-arrow-dropright-circle\" d=\"M3.375,17.6A14.227,14.227,0,1,0,17.6,3.375,14.225,14.225,0,0,0,3.375,17.6Zm16.724,0-5.6-5.547a1.32,1.32,0,0,1,1.867-1.867l6.525,6.546a1.319,1.319,0,0,1,.041,1.819L16.5,25a1.318,1.318,0,1,1-1.867-1.86Z\" transform=\"translate(31.83 -3.375) rotate(90)\" fill=\"#97aec6\"><\/path><\/svg>\n                                                    <\/span>\n                                                    <span class=\"toggler-opened\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28\" height=\"28\" viewBox=\"0 0 28 28\"><g data-name=\"Groupe 466\" transform=\"translate(-1670 -1136.224)\"><circle data-name=\"Ellipse 8\" cx=\"14\" cy=\"14\" r=\"14\" transform=\"translate(1670 1136.224)\" fill=\"#004e9c\"><\/circle><path data-name=\"Trac\u00e9 521\" d=\"M16.715-78.4a.991.991,0,0,1,.3.727.892.892,0,0,1-.276.652.892.892,0,0,1-.652.276.976.976,0,0,1-.727-.351L11.3-81.731,7.26-77.091a.976.976,0,0,1-.727.351.933.933,0,0,1-.665-.276.9.9,0,0,1-.288-.677,1.02,1.02,0,0,1,.3-.7l4.163-4.69L6.057-87.625a1.084,1.084,0,0,1-.3-.7A.9.9,0,0,1,6.044-89a.906.906,0,0,1,.64-.276.976.976,0,0,1,.727.351L11.3-84.465l3.887-4.464a.976.976,0,0,1,.727-.351.892.892,0,0,1,.652.276.892.892,0,0,1,.276.652.991.991,0,0,1-.3.727l-3.988,4.539Z\" transform=\"translate(1672.702 1233.234)\" fill=\"#fff\"><\/path><\/g><\/svg>\n                                                    <\/span>\n                                                <\/span>\n                                            <\/h3>\n                                        <\/div>\n                                        <div class=\"accordion-content\">\n                                            <p class=\"p1\">La franchise correspond au montant que vous devez payer de votre poche en cas de sinistre. La compagnie d\u2019assurance prend pour sa part en charge les frais en exc\u00e9dent de la franchise, jusqu\u2019\u00e0 concurrence des maximums pr\u00e9vus par votre police.<\/p>                                        <\/div>\n                                    <\/div>\n                                                                        <div class=\"accordion-group\">\n                                        <div class=\"accordion-header\">\n                                            <h3>\n                                                <span class=\"icons\"><span class=\"icon all\"><\/span>&nbsp;+&nbsp;<span class=\"icon icon2 reclamations\"><\/span><\/span>\n                                                <span class=\"title\"><a href=\"#\">Dois-je avoir un rapport de police pour pr\u00e9senter une r\u00e9clamation?<\/a><\/span>\n                                                <span class=\"toggler\">\n                                                    <span class=\"toggler-closed\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28.455\" height=\"28.455\" viewBox=\"0 0 28.455 28.455\"><path data-name=\"Icon ionic-ios-arrow-dropright-circle\" d=\"M3.375,17.6A14.227,14.227,0,1,0,17.6,3.375,14.225,14.225,0,0,0,3.375,17.6Zm16.724,0-5.6-5.547a1.32,1.32,0,0,1,1.867-1.867l6.525,6.546a1.319,1.319,0,0,1,.041,1.819L16.5,25a1.318,1.318,0,1,1-1.867-1.86Z\" transform=\"translate(31.83 -3.375) rotate(90)\" fill=\"#97aec6\"><\/path><\/svg>\n                                                    <\/span>\n                                                    <span class=\"toggler-opened\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28\" height=\"28\" viewBox=\"0 0 28 28\"><g data-name=\"Groupe 466\" transform=\"translate(-1670 -1136.224)\"><circle data-name=\"Ellipse 8\" cx=\"14\" cy=\"14\" r=\"14\" transform=\"translate(1670 1136.224)\" fill=\"#004e9c\"><\/circle><path data-name=\"Trac\u00e9 521\" d=\"M16.715-78.4a.991.991,0,0,1,.3.727.892.892,0,0,1-.276.652.892.892,0,0,1-.652.276.976.976,0,0,1-.727-.351L11.3-81.731,7.26-77.091a.976.976,0,0,1-.727.351.933.933,0,0,1-.665-.276.9.9,0,0,1-.288-.677,1.02,1.02,0,0,1,.3-.7l4.163-4.69L6.057-87.625a1.084,1.084,0,0,1-.3-.7A.9.9,0,0,1,6.044-89a.906.906,0,0,1,.64-.276.976.976,0,0,1,.727.351L11.3-84.465l3.887-4.464a.976.976,0,0,1,.727-.351.892.892,0,0,1,.652.276.892.892,0,0,1,.276.652.991.991,0,0,1-.3.727l-3.988,4.539Z\" transform=\"translate(1672.702 1233.234)\" fill=\"#fff\"><\/path><\/g><\/svg>\n                                                    <\/span>\n                                                <\/span>\n                                            <\/h3>\n                                        <\/div>\n                                        <div class=\"accordion-content\">\n                                            <p class=\"p1\">Dans la plupart des cas, un rapport de police n\u2019est pas n\u00e9cessaire. En cas de d\u00e9lit de fuite, de vol ou de tentative de vol, toutefois, vous devez signaler l\u2019incident \u00e0 la police.<\/p>                                        <\/div>\n                                    <\/div>\n                                                                        <div class=\"accordion-group\">\n                                        <div class=\"accordion-header\">\n                                            <h3>\n                                                <span class=\"icons\"><span class=\"icon all\"><\/span>&nbsp;+&nbsp;<span class=\"icon icon2 reclamations\"><\/span><\/span>\n                                                <span class=\"title\"><a href=\"#\">Quel est le r\u00f4le d\u2019Inova dans le cadre du processus de r\u00e9clamation?<\/a><\/span>\n                                                <span class=\"toggler\">\n                                                    <span class=\"toggler-closed\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28.455\" height=\"28.455\" viewBox=\"0 0 28.455 28.455\"><path data-name=\"Icon ionic-ios-arrow-dropright-circle\" d=\"M3.375,17.6A14.227,14.227,0,1,0,17.6,3.375,14.225,14.225,0,0,0,3.375,17.6Zm16.724,0-5.6-5.547a1.32,1.32,0,0,1,1.867-1.867l6.525,6.546a1.319,1.319,0,0,1,.041,1.819L16.5,25a1.318,1.318,0,1,1-1.867-1.86Z\" transform=\"translate(31.83 -3.375) rotate(90)\" fill=\"#97aec6\"><\/path><\/svg>\n                                                    <\/span>\n                                                    <span class=\"toggler-opened\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28\" height=\"28\" viewBox=\"0 0 28 28\"><g data-name=\"Groupe 466\" transform=\"translate(-1670 -1136.224)\"><circle data-name=\"Ellipse 8\" cx=\"14\" cy=\"14\" r=\"14\" transform=\"translate(1670 1136.224)\" fill=\"#004e9c\"><\/circle><path data-name=\"Trac\u00e9 521\" d=\"M16.715-78.4a.991.991,0,0,1,.3.727.892.892,0,0,1-.276.652.892.892,0,0,1-.652.276.976.976,0,0,1-.727-.351L11.3-81.731,7.26-77.091a.976.976,0,0,1-.727.351.933.933,0,0,1-.665-.276.9.9,0,0,1-.288-.677,1.02,1.02,0,0,1,.3-.7l4.163-4.69L6.057-87.625a1.084,1.084,0,0,1-.3-.7A.9.9,0,0,1,6.044-89a.906.906,0,0,1,.64-.276.976.976,0,0,1,.727.351L11.3-84.465l3.887-4.464a.976.976,0,0,1,.727-.351.892.892,0,0,1,.652.276.892.892,0,0,1,.276.652.991.991,0,0,1-.3.727l-3.988,4.539Z\" transform=\"translate(1672.702 1233.234)\" fill=\"#fff\"><\/path><\/g><\/svg>\n                                                    <\/span>\n                                                <\/span>\n                                            <\/h3>\n                                        <\/div>\n                                        <div class=\"accordion-content\">\n                                            <p class=\"p1\">En tant que courtiers, nous vous accompagnerons dans le processus de r\u00e9clamation et, au besoin, nous vous conseillerons et d\u00e9fendrons vos int\u00e9r\u00eats.<\/p>                                        <\/div>\n                                    <\/div>\n                                                                        <div class=\"accordion-group\">\n                                        <div class=\"accordion-header\">\n                                            <h3>\n                                                <span class=\"icons\"><span class=\"icon all\"><\/span>&nbsp;+&nbsp;<span class=\"icon icon2 reclamations\"><\/span><\/span>\n                                                <span class=\"title\"><a href=\"#\">Mes biens personnels sont-ils couverts s\u2019ils sont endommag\u00e9s par suite d\u2019un accident de voiture ou si on me les vole dans ma voiture?<\/a><\/span>\n                                                <span class=\"toggler\">\n                                                    <span class=\"toggler-closed\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28.455\" height=\"28.455\" viewBox=\"0 0 28.455 28.455\"><path data-name=\"Icon ionic-ios-arrow-dropright-circle\" d=\"M3.375,17.6A14.227,14.227,0,1,0,17.6,3.375,14.225,14.225,0,0,0,3.375,17.6Zm16.724,0-5.6-5.547a1.32,1.32,0,0,1,1.867-1.867l6.525,6.546a1.319,1.319,0,0,1,.041,1.819L16.5,25a1.318,1.318,0,1,1-1.867-1.86Z\" transform=\"translate(31.83 -3.375) rotate(90)\" fill=\"#97aec6\"><\/path><\/svg>\n                                                    <\/span>\n                                                    <span class=\"toggler-opened\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28\" height=\"28\" viewBox=\"0 0 28 28\"><g data-name=\"Groupe 466\" transform=\"translate(-1670 -1136.224)\"><circle data-name=\"Ellipse 8\" cx=\"14\" cy=\"14\" r=\"14\" transform=\"translate(1670 1136.224)\" fill=\"#004e9c\"><\/circle><path data-name=\"Trac\u00e9 521\" d=\"M16.715-78.4a.991.991,0,0,1,.3.727.892.892,0,0,1-.276.652.892.892,0,0,1-.652.276.976.976,0,0,1-.727-.351L11.3-81.731,7.26-77.091a.976.976,0,0,1-.727.351.933.933,0,0,1-.665-.276.9.9,0,0,1-.288-.677,1.02,1.02,0,0,1,.3-.7l4.163-4.69L6.057-87.625a1.084,1.084,0,0,1-.3-.7A.9.9,0,0,1,6.044-89a.906.906,0,0,1,.64-.276.976.976,0,0,1,.727.351L11.3-84.465l3.887-4.464a.976.976,0,0,1,.727-.351.892.892,0,0,1,.652.276.892.892,0,0,1,.276.652.991.991,0,0,1-.3.727l-3.988,4.539Z\" transform=\"translate(1672.702 1233.234)\" fill=\"#fff\"><\/path><\/g><\/svg>\n                                                    <\/span>\n                                                <\/span>\n                                            <\/h3>\n                                        <\/div>\n                                        <div class=\"accordion-content\">\n                                            <p class=\"p1\">Dans la plupart des cas, votre assurance auto ne couvre pas les dommages ou le vol de vos biens personnels. Vous devez avoir une assurance habitation (propri\u00e9taire, locataire ou copropri\u00e9taire) pour que vos biens personnels soient assur\u00e9s.<\/p>                                        <\/div>\n                                    <\/div>\n                                                                        <div class=\"accordion-group\">\n                                        <div class=\"accordion-header\">\n                                            <h3>\n                                                <span class=\"icons\"><span class=\"icon all\"><\/span>&nbsp;+&nbsp;<span class=\"icon icon2 reclamations\"><\/span><\/span>\n                                                <span class=\"title\"><a href=\"#\">Suis-je couvert en cas de d\u00e9lit de fuite?<\/a><\/span>\n                                                <span class=\"toggler\">\n                                                    <span class=\"toggler-closed\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28.455\" height=\"28.455\" viewBox=\"0 0 28.455 28.455\"><path data-name=\"Icon ionic-ios-arrow-dropright-circle\" d=\"M3.375,17.6A14.227,14.227,0,1,0,17.6,3.375,14.225,14.225,0,0,0,3.375,17.6Zm16.724,0-5.6-5.547a1.32,1.32,0,0,1,1.867-1.867l6.525,6.546a1.319,1.319,0,0,1,.041,1.819L16.5,25a1.318,1.318,0,1,1-1.867-1.86Z\" transform=\"translate(31.83 -3.375) rotate(90)\" fill=\"#97aec6\"><\/path><\/svg>\n                                                    <\/span>\n                                                    <span class=\"toggler-opened\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28\" height=\"28\" viewBox=\"0 0 28 28\"><g data-name=\"Groupe 466\" transform=\"translate(-1670 -1136.224)\"><circle data-name=\"Ellipse 8\" cx=\"14\" cy=\"14\" r=\"14\" transform=\"translate(1670 1136.224)\" fill=\"#004e9c\"><\/circle><path data-name=\"Trac\u00e9 521\" d=\"M16.715-78.4a.991.991,0,0,1,.3.727.892.892,0,0,1-.276.652.892.892,0,0,1-.652.276.976.976,0,0,1-.727-.351L11.3-81.731,7.26-77.091a.976.976,0,0,1-.727.351.933.933,0,0,1-.665-.276.9.9,0,0,1-.288-.677,1.02,1.02,0,0,1,.3-.7l4.163-4.69L6.057-87.625a1.084,1.084,0,0,1-.3-.7A.9.9,0,0,1,6.044-89a.906.906,0,0,1,.64-.276.976.976,0,0,1,.727.351L11.3-84.465l3.887-4.464a.976.976,0,0,1,.727-.351.892.892,0,0,1,.652.276.892.892,0,0,1,.276.652.991.991,0,0,1-.3.727l-3.988,4.539Z\" transform=\"translate(1672.702 1233.234)\" fill=\"#fff\"><\/path><\/g><\/svg>\n                                                    <\/span>\n                                                <\/span>\n                                            <\/h3>\n                                        <\/div>\n                                        <div class=\"accordion-content\">\n                                            <p class=\"p1\">Si vous \u00eates un citoyen de l'Alberta, le d\u00e9lit de fuite est couvert par l'assurance multirisque.<\/p>\r\n<p class=\"p1\">Autrement, si vous \u00eates victime d\u2019un d\u00e9lit de fuite, vous serez couvert si vous avez souscrit la protection collision. Vous devez signaler le d\u00e9lit de fuite \u00e0 la police dans les 24 heures suivant le constat des dommages, car plusieurs compagnies d\u2019assurance exigent un rapport de police avec votre r\u00e9clamation.<\/p>                                        <\/div>\n                                    <\/div>\n                                                                        <div class=\"accordion-group\">\n                                        <div class=\"accordion-header\">\n                                            <h3>\n                                                <span class=\"icons\"><span class=\"icon all\"><\/span>&nbsp;+&nbsp;<span class=\"icon icon2 reclamations\"><\/span><\/span>\n                                                <span class=\"title\"><a href=\"#\">Mon pare-brise est ab\u00eem\u00e9. Est-ce couvert?<\/a><\/span>\n                                                <span class=\"toggler\">\n                                                    <span class=\"toggler-closed\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28.455\" height=\"28.455\" viewBox=\"0 0 28.455 28.455\"><path data-name=\"Icon ionic-ios-arrow-dropright-circle\" d=\"M3.375,17.6A14.227,14.227,0,1,0,17.6,3.375,14.225,14.225,0,0,0,3.375,17.6Zm16.724,0-5.6-5.547a1.32,1.32,0,0,1,1.867-1.867l6.525,6.546a1.319,1.319,0,0,1,.041,1.819L16.5,25a1.318,1.318,0,1,1-1.867-1.86Z\" transform=\"translate(31.83 -3.375) rotate(90)\" fill=\"#97aec6\"><\/path><\/svg>\n                                                    <\/span>\n                                                    <span class=\"toggler-opened\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28\" height=\"28\" viewBox=\"0 0 28 28\"><g data-name=\"Groupe 466\" transform=\"translate(-1670 -1136.224)\"><circle data-name=\"Ellipse 8\" cx=\"14\" cy=\"14\" r=\"14\" transform=\"translate(1670 1136.224)\" fill=\"#004e9c\"><\/circle><path data-name=\"Trac\u00e9 521\" d=\"M16.715-78.4a.991.991,0,0,1,.3.727.892.892,0,0,1-.276.652.892.892,0,0,1-.652.276.976.976,0,0,1-.727-.351L11.3-81.731,7.26-77.091a.976.976,0,0,1-.727.351.933.933,0,0,1-.665-.276.9.9,0,0,1-.288-.677,1.02,1.02,0,0,1,.3-.7l4.163-4.69L6.057-87.625a1.084,1.084,0,0,1-.3-.7A.9.9,0,0,1,6.044-89a.906.906,0,0,1,.64-.276.976.976,0,0,1,.727.351L11.3-84.465l3.887-4.464a.976.976,0,0,1,.727-.351.892.892,0,0,1,.652.276.892.892,0,0,1,.276.652.991.991,0,0,1-.3.727l-3.988,4.539Z\" transform=\"translate(1672.702 1233.234)\" fill=\"#fff\"><\/path><\/g><\/svg>\n                                                    <\/span>\n                                                <\/span>\n                                            <\/h3>\n                                        <\/div>\n                                        <div class=\"accordion-content\">\n                                            <p class=\"p1\">Les r\u00e9clamations visant les pare-brise sont g\u00e9n\u00e9ralement couvertes par la protection accident sans collision, car les fissures ou les \u00e9clats sont g\u00e9n\u00e9ralement caus\u00e9s par un objet volant, comme un caillou ou un d\u00e9bris quelconque. Communiquez avec un atelier de r\u00e9paration de pare-brise local qui, habituellement, pourra s\u2019occuper de la r\u00e9clamation pour vous.<\/p>                                        <\/div>\n                                    <\/div>\n                                                                        <div class=\"accordion-group\">\n                                        <div class=\"accordion-header\">\n                                            <h3>\n                                                <span class=\"icons\"><span class=\"icon all\"><\/span>&nbsp;+&nbsp;<span class=\"icon icon2 reclamations\"><\/span><\/span>\n                                                <span class=\"title\"><a href=\"#\">En cas d\u2019accident, comment d\u00e9termine-t-on si je suis responsable ou non?<\/a><\/span>\n                                                <span class=\"toggler\">\n                                                    <span class=\"toggler-closed\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28.455\" height=\"28.455\" viewBox=\"0 0 28.455 28.455\"><path data-name=\"Icon ionic-ios-arrow-dropright-circle\" d=\"M3.375,17.6A14.227,14.227,0,1,0,17.6,3.375,14.225,14.225,0,0,0,3.375,17.6Zm16.724,0-5.6-5.547a1.32,1.32,0,0,1,1.867-1.867l6.525,6.546a1.319,1.319,0,0,1,.041,1.819L16.5,25a1.318,1.318,0,1,1-1.867-1.86Z\" transform=\"translate(31.83 -3.375) rotate(90)\" fill=\"#97aec6\"><\/path><\/svg>\n                                                    <\/span>\n                                                    <span class=\"toggler-opened\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28\" height=\"28\" viewBox=\"0 0 28 28\"><g data-name=\"Groupe 466\" transform=\"translate(-1670 -1136.224)\"><circle data-name=\"Ellipse 8\" cx=\"14\" cy=\"14\" r=\"14\" transform=\"translate(1670 1136.224)\" fill=\"#004e9c\"><\/circle><path data-name=\"Trac\u00e9 521\" d=\"M16.715-78.4a.991.991,0,0,1,.3.727.892.892,0,0,1-.276.652.892.892,0,0,1-.652.276.976.976,0,0,1-.727-.351L11.3-81.731,7.26-77.091a.976.976,0,0,1-.727.351.933.933,0,0,1-.665-.276.9.9,0,0,1-.288-.677,1.02,1.02,0,0,1,.3-.7l4.163-4.69L6.057-87.625a1.084,1.084,0,0,1-.3-.7A.9.9,0,0,1,6.044-89a.906.906,0,0,1,.64-.276.976.976,0,0,1,.727.351L11.3-84.465l3.887-4.464a.976.976,0,0,1,.727-.351.892.892,0,0,1,.652.276.892.892,0,0,1,.276.652.991.991,0,0,1-.3.727l-3.988,4.539Z\" transform=\"translate(1672.702 1233.234)\" fill=\"#fff\"><\/path><\/g><\/svg>\n                                                    <\/span>\n                                                <\/span>\n                                            <\/h3>\n                                        <\/div>\n                                        <div class=\"accordion-content\">\n                                            <p class=\"p1\">C\u2019est l\u2019expert en sinistres assign\u00e9 au dossier qui d\u00e9termine votre responsabilit\u00e9 en fonction des r\u00e8gles de d\u00e9termination de la responsabilit\u00e9 applicables (qui varient d\u2019une province \u00e0 l\u2019autre).<\/p>                                        <\/div>\n                                    <\/div>\n                                                                        <div class=\"accordion-group\">\n                                        <div class=\"accordion-header\">\n                                            <h3>\n                                                <span class=\"icons\"><span class=\"icon all\"><\/span>&nbsp;+&nbsp;<span class=\"icon icon2 reclamations\"><\/span><\/span>\n                                                <span class=\"title\"><a href=\"#\">Si je d\u00e9clare un accident \u00e0 la compagnie d\u2019assurance, ma prime en souffrira-t-elle?<\/a><\/span>\n                                                <span class=\"toggler\">\n                                                    <span class=\"toggler-closed\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28.455\" height=\"28.455\" viewBox=\"0 0 28.455 28.455\"><path data-name=\"Icon ionic-ios-arrow-dropright-circle\" d=\"M3.375,17.6A14.227,14.227,0,1,0,17.6,3.375,14.225,14.225,0,0,0,3.375,17.6Zm16.724,0-5.6-5.547a1.32,1.32,0,0,1,1.867-1.867l6.525,6.546a1.319,1.319,0,0,1,.041,1.819L16.5,25a1.318,1.318,0,1,1-1.867-1.86Z\" transform=\"translate(31.83 -3.375) rotate(90)\" fill=\"#97aec6\"><\/path><\/svg>\n                                                    <\/span>\n                                                    <span class=\"toggler-opened\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28\" height=\"28\" viewBox=\"0 0 28 28\"><g data-name=\"Groupe 466\" transform=\"translate(-1670 -1136.224)\"><circle data-name=\"Ellipse 8\" cx=\"14\" cy=\"14\" r=\"14\" transform=\"translate(1670 1136.224)\" fill=\"#004e9c\"><\/circle><path data-name=\"Trac\u00e9 521\" d=\"M16.715-78.4a.991.991,0,0,1,.3.727.892.892,0,0,1-.276.652.892.892,0,0,1-.652.276.976.976,0,0,1-.727-.351L11.3-81.731,7.26-77.091a.976.976,0,0,1-.727.351.933.933,0,0,1-.665-.276.9.9,0,0,1-.288-.677,1.02,1.02,0,0,1,.3-.7l4.163-4.69L6.057-87.625a1.084,1.084,0,0,1-.3-.7A.9.9,0,0,1,6.044-89a.906.906,0,0,1,.64-.276.976.976,0,0,1,.727.351L11.3-84.465l3.887-4.464a.976.976,0,0,1,.727-.351.892.892,0,0,1,.652.276.892.892,0,0,1,.276.652.991.991,0,0,1-.3.727l-3.988,4.539Z\" transform=\"translate(1672.702 1233.234)\" fill=\"#fff\"><\/path><\/g><\/svg>\n                                                    <\/span>\n                                                <\/span>\n                                            <\/h3>\n                                        <\/div>\n                                        <div class=\"accordion-content\">\n                                            <p class=\"p1\">Oui, le fait de d\u00e9clarer un accident pourrait avoir une incidence sur votre prime d\u2019assurance. Certaines compagnies d\u2019assurance offrent une protection qui pardonne votre premi\u00e8re r\u00e9clamation et n\u2019en tiennent pas compte pour la suite des choses. Cette protection varie d\u2019un assureur \u00e0 l\u2019autre.<\/p>                                        <\/div>\n                                    <\/div>\n                                                                        <div class=\"accordion-group\">\n                                        <div class=\"accordion-header\">\n                                            <h3>\n                                                <span class=\"icons\"><span class=\"icon all\"><\/span>&nbsp;+&nbsp;<span class=\"icon icon2 reclamations\"><\/span><\/span>\n                                                <span class=\"title\"><a href=\"#\">Je veux d\u00e9clarer un sinistre. Comment dois-je proc\u00e9der?<\/a><\/span>\n                                                <span class=\"toggler\">\n                                                    <span class=\"toggler-closed\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28.455\" height=\"28.455\" viewBox=\"0 0 28.455 28.455\"><path data-name=\"Icon ionic-ios-arrow-dropright-circle\" d=\"M3.375,17.6A14.227,14.227,0,1,0,17.6,3.375,14.225,14.225,0,0,0,3.375,17.6Zm16.724,0-5.6-5.547a1.32,1.32,0,0,1,1.867-1.867l6.525,6.546a1.319,1.319,0,0,1,.041,1.819L16.5,25a1.318,1.318,0,1,1-1.867-1.86Z\" transform=\"translate(31.83 -3.375) rotate(90)\" fill=\"#97aec6\"><\/path><\/svg>\n                                                    <\/span>\n                                                    <span class=\"toggler-opened\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28\" height=\"28\" viewBox=\"0 0 28 28\"><g data-name=\"Groupe 466\" transform=\"translate(-1670 -1136.224)\"><circle data-name=\"Ellipse 8\" cx=\"14\" cy=\"14\" r=\"14\" transform=\"translate(1670 1136.224)\" fill=\"#004e9c\"><\/circle><path data-name=\"Trac\u00e9 521\" d=\"M16.715-78.4a.991.991,0,0,1,.3.727.892.892,0,0,1-.276.652.892.892,0,0,1-.652.276.976.976,0,0,1-.727-.351L11.3-81.731,7.26-77.091a.976.976,0,0,1-.727.351.933.933,0,0,1-.665-.276.9.9,0,0,1-.288-.677,1.02,1.02,0,0,1,.3-.7l4.163-4.69L6.057-87.625a1.084,1.084,0,0,1-.3-.7A.9.9,0,0,1,6.044-89a.906.906,0,0,1,.64-.276.976.976,0,0,1,.727.351L11.3-84.465l3.887-4.464a.976.976,0,0,1,.727-.351.892.892,0,0,1,.652.276.892.892,0,0,1,.276.652.991.991,0,0,1-.3.727l-3.988,4.539Z\" transform=\"translate(1672.702 1233.234)\" fill=\"#fff\"><\/path><\/g><\/svg>\n                                                    <\/span>\n                                                <\/span>\n                                            <\/h3>\n                                        <\/div>\n                                        <div class=\"accordion-content\">\n                                            <p class=\"p1\">Visitez la page R\u00e9clamations dans la section d'aide pour en savoir plus.<\/p>                                        <\/div>\n                                    <\/div>\n                                                                        <div class=\"accordion-group\">\n                                        <div class=\"accordion-header\">\n                                            <h3>\n                                                <span class=\"icons\"><span class=\"icon all\"><\/span>&nbsp;+&nbsp;<span class=\"icon icon2 reclamations\"><\/span><\/span>\n                                                <span class=\"title\"><a href=\"#\">Devrais-je pr\u00e9senter une r\u00e9clamation pour une perte mineure?<\/a><\/span>\n                                                <span class=\"toggler\">\n                                                    <span class=\"toggler-closed\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28.455\" height=\"28.455\" viewBox=\"0 0 28.455 28.455\"><path data-name=\"Icon ionic-ios-arrow-dropright-circle\" d=\"M3.375,17.6A14.227,14.227,0,1,0,17.6,3.375,14.225,14.225,0,0,0,3.375,17.6Zm16.724,0-5.6-5.547a1.32,1.32,0,0,1,1.867-1.867l6.525,6.546a1.319,1.319,0,0,1,.041,1.819L16.5,25a1.318,1.318,0,1,1-1.867-1.86Z\" transform=\"translate(31.83 -3.375) rotate(90)\" fill=\"#97aec6\"><\/path><\/svg>\n                                                    <\/span>\n                                                    <span class=\"toggler-opened\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28\" height=\"28\" viewBox=\"0 0 28 28\"><g data-name=\"Groupe 466\" transform=\"translate(-1670 -1136.224)\"><circle data-name=\"Ellipse 8\" cx=\"14\" cy=\"14\" r=\"14\" transform=\"translate(1670 1136.224)\" fill=\"#004e9c\"><\/circle><path data-name=\"Trac\u00e9 521\" d=\"M16.715-78.4a.991.991,0,0,1,.3.727.892.892,0,0,1-.276.652.892.892,0,0,1-.652.276.976.976,0,0,1-.727-.351L11.3-81.731,7.26-77.091a.976.976,0,0,1-.727.351.933.933,0,0,1-.665-.276.9.9,0,0,1-.288-.677,1.02,1.02,0,0,1,.3-.7l4.163-4.69L6.057-87.625a1.084,1.084,0,0,1-.3-.7A.9.9,0,0,1,6.044-89a.906.906,0,0,1,.64-.276.976.976,0,0,1,.727.351L11.3-84.465l3.887-4.464a.976.976,0,0,1,.727-.351.892.892,0,0,1,.652.276.892.892,0,0,1,.276.652.991.991,0,0,1-.3.727l-3.988,4.539Z\" transform=\"translate(1672.702 1233.234)\" fill=\"#fff\"><\/path><\/g><\/svg>\n                                                    <\/span>\n                                                <\/span>\n                                            <\/h3>\n                                        <\/div>\n                                        <div class=\"accordion-content\">\n                                            <p class=\"p1\">Nous vous recommandons fortement, dans la mesure du possible, de payer de votre poche les petites r\u00e9clamations. L\u2019assurance habitation est con\u00e7ue pour assurer votre bien-\u00eatre financier, et donc de vous prot\u00e9ger contre les pertes importantes. Lorsque vous pr\u00e9sentez une r\u00e9clamation, quel qu\u2019en soit le montant, vous perdrez vos rabais pour dossier sans sinistre et paierez une prime plus \u00e9lev\u00e9e.<\/p>                                        <\/div>\n                                    <\/div>\n                                                                        <div class=\"accordion-group\">\n                                        <div class=\"accordion-header\">\n                                            <h3>\n                                                <span class=\"icons\"><span class=\"icon all\"><\/span>&nbsp;+&nbsp;<span class=\"icon icon2 reclamations\"><\/span><\/span>\n                                                <span class=\"title\"><a href=\"#\">Ma police d\u2019assurance couvre-t-elle les sinistres caus\u00e9s par des \u00ab forces majeures \u00bb ou des catastrophes naturelles?<\/a><\/span>\n                                                <span class=\"toggler\">\n                                                    <span class=\"toggler-closed\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28.455\" height=\"28.455\" viewBox=\"0 0 28.455 28.455\"><path data-name=\"Icon ionic-ios-arrow-dropright-circle\" d=\"M3.375,17.6A14.227,14.227,0,1,0,17.6,3.375,14.225,14.225,0,0,0,3.375,17.6Zm16.724,0-5.6-5.547a1.32,1.32,0,0,1,1.867-1.867l6.525,6.546a1.319,1.319,0,0,1,.041,1.819L16.5,25a1.318,1.318,0,1,1-1.867-1.86Z\" transform=\"translate(31.83 -3.375) rotate(90)\" fill=\"#97aec6\"><\/path><\/svg>\n                                                    <\/span>\n                                                    <span class=\"toggler-opened\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28\" height=\"28\" viewBox=\"0 0 28 28\"><g data-name=\"Groupe 466\" transform=\"translate(-1670 -1136.224)\"><circle data-name=\"Ellipse 8\" cx=\"14\" cy=\"14\" r=\"14\" transform=\"translate(1670 1136.224)\" fill=\"#004e9c\"><\/circle><path data-name=\"Trac\u00e9 521\" d=\"M16.715-78.4a.991.991,0,0,1,.3.727.892.892,0,0,1-.276.652.892.892,0,0,1-.652.276.976.976,0,0,1-.727-.351L11.3-81.731,7.26-77.091a.976.976,0,0,1-.727.351.933.933,0,0,1-.665-.276.9.9,0,0,1-.288-.677,1.02,1.02,0,0,1,.3-.7l4.163-4.69L6.057-87.625a1.084,1.084,0,0,1-.3-.7A.9.9,0,0,1,6.044-89a.906.906,0,0,1,.64-.276.976.976,0,0,1,.727.351L11.3-84.465l3.887-4.464a.976.976,0,0,1,.727-.351.892.892,0,0,1,.652.276.892.892,0,0,1,.276.652.991.991,0,0,1-.3.727l-3.988,4.539Z\" transform=\"translate(1672.702 1233.234)\" fill=\"#fff\"><\/path><\/g><\/svg>\n                                                    <\/span>\n                                                <\/span>\n                                            <\/h3>\n                                        <\/div>\n                                        <div class=\"accordion-content\">\n                                            <p class=\"p1\">Les polices d\u2019assurance habitation ne couvrent pas n\u00e9cessairement les sinistres caus\u00e9s par des forces majeures et des catastrophes naturelles. Les sinistres attribuables aux tremblements de terre et aux inondations ne seront couverts que si la police le pr\u00e9voit sp\u00e9cifiquement.<\/p>                                        <\/div>\n                                    <\/div>\n                                                                        <div class=\"accordion-group\">\n                                        <div class=\"accordion-header\">\n                                            <h3>\n                                                <span class=\"icons\"><span class=\"icon all\"><\/span>&nbsp;+&nbsp;<span class=\"icon icon2 reclamations\"><\/span><\/span>\n                                                <span class=\"title\"><a href=\"#\">J\u2019ai subi un d\u00e9g\u00e2t d\u2019eau.  Suis-je couvert?<\/a><\/span>\n                                                <span class=\"toggler\">\n                                                    <span class=\"toggler-closed\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28.455\" height=\"28.455\" viewBox=\"0 0 28.455 28.455\"><path data-name=\"Icon ionic-ios-arrow-dropright-circle\" d=\"M3.375,17.6A14.227,14.227,0,1,0,17.6,3.375,14.225,14.225,0,0,0,3.375,17.6Zm16.724,0-5.6-5.547a1.32,1.32,0,0,1,1.867-1.867l6.525,6.546a1.319,1.319,0,0,1,.041,1.819L16.5,25a1.318,1.318,0,1,1-1.867-1.86Z\" transform=\"translate(31.83 -3.375) rotate(90)\" fill=\"#97aec6\"><\/path><\/svg>\n                                                    <\/span>\n                                                    <span class=\"toggler-opened\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28\" height=\"28\" viewBox=\"0 0 28 28\"><g data-name=\"Groupe 466\" transform=\"translate(-1670 -1136.224)\"><circle data-name=\"Ellipse 8\" cx=\"14\" cy=\"14\" r=\"14\" transform=\"translate(1670 1136.224)\" fill=\"#004e9c\"><\/circle><path data-name=\"Trac\u00e9 521\" d=\"M16.715-78.4a.991.991,0,0,1,.3.727.892.892,0,0,1-.276.652.892.892,0,0,1-.652.276.976.976,0,0,1-.727-.351L11.3-81.731,7.26-77.091a.976.976,0,0,1-.727.351.933.933,0,0,1-.665-.276.9.9,0,0,1-.288-.677,1.02,1.02,0,0,1,.3-.7l4.163-4.69L6.057-87.625a1.084,1.084,0,0,1-.3-.7A.9.9,0,0,1,6.044-89a.906.906,0,0,1,.64-.276.976.976,0,0,1,.727.351L11.3-84.465l3.887-4.464a.976.976,0,0,1,.727-.351.892.892,0,0,1,.652.276.892.892,0,0,1,.276.652.991.991,0,0,1-.3.727l-3.988,4.539Z\" transform=\"translate(1672.702 1233.234)\" fill=\"#fff\"><\/path><\/g><\/svg>\n                                                    <\/span>\n                                                <\/span>\n                                            <\/h3>\n                                        <\/div>\n                                        <div class=\"accordion-content\">\n                                            <p class=\"p1\">En cas de d\u00e9g\u00e2t d\u2019eau, il est tr\u00e8s important de d\u00e9terminer et de comprendre ce qui l\u2019a caus\u00e9. Si le d\u00e9g\u00e2t est attribuable \u00e0 un tuyau qui fuit, vous n\u2019\u00eates probablement pas couvert, car l\u2019assurance habitation ne couvre que les sinistres soudains et accidentels. Les fuites qui se produisent de fa\u00e7on continue ne sont tout simplement pas couvertes par les polices d\u2019assurance habitation. En cas de doute, vous devriez communiquer avec une entreprise locale, sp\u00e9cialis\u00e9e en restauration de b\u00e2timents pour obtenir une \u00e9valuation. Ces experts pourront vous aider \u00e0 faire face \u00e0 la situation et \u00e0 att\u00e9nuer tout dommage suppl\u00e9mentaire, et ils vous renseigneront au sujet de la cause initiale du d\u00e9g\u00e2t.<\/p>                                        <\/div>\n                                    <\/div>\n                                                                        <div class=\"accordion-group\">\n                                        <div class=\"accordion-header\">\n                                            <h3>\n                                                <span class=\"icons\"><span class=\"icon all\"><\/span>&nbsp;+&nbsp;<span class=\"icon icon2 reclamations\"><\/span><\/span>\n                                                <span class=\"title\"><a href=\"#\">Dans quelle mesure une r\u00e9clamation se r\u00e9percutera-t-elle sur ma prime d\u2019assurance?<\/a><\/span>\n                                                <span class=\"toggler\">\n                                                    <span class=\"toggler-closed\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28.455\" height=\"28.455\" viewBox=\"0 0 28.455 28.455\"><path data-name=\"Icon ionic-ios-arrow-dropright-circle\" d=\"M3.375,17.6A14.227,14.227,0,1,0,17.6,3.375,14.225,14.225,0,0,0,3.375,17.6Zm16.724,0-5.6-5.547a1.32,1.32,0,0,1,1.867-1.867l6.525,6.546a1.319,1.319,0,0,1,.041,1.819L16.5,25a1.318,1.318,0,1,1-1.867-1.86Z\" transform=\"translate(31.83 -3.375) rotate(90)\" fill=\"#97aec6\"><\/path><\/svg>\n                                                    <\/span>\n                                                    <span class=\"toggler-opened\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28\" height=\"28\" viewBox=\"0 0 28 28\"><g data-name=\"Groupe 466\" transform=\"translate(-1670 -1136.224)\"><circle data-name=\"Ellipse 8\" cx=\"14\" cy=\"14\" r=\"14\" transform=\"translate(1670 1136.224)\" fill=\"#004e9c\"><\/circle><path data-name=\"Trac\u00e9 521\" d=\"M16.715-78.4a.991.991,0,0,1,.3.727.892.892,0,0,1-.276.652.892.892,0,0,1-.652.276.976.976,0,0,1-.727-.351L11.3-81.731,7.26-77.091a.976.976,0,0,1-.727.351.933.933,0,0,1-.665-.276.9.9,0,0,1-.288-.677,1.02,1.02,0,0,1,.3-.7l4.163-4.69L6.057-87.625a1.084,1.084,0,0,1-.3-.7A.9.9,0,0,1,6.044-89a.906.906,0,0,1,.64-.276.976.976,0,0,1,.727.351L11.3-84.465l3.887-4.464a.976.976,0,0,1,.727-.351.892.892,0,0,1,.652.276.892.892,0,0,1,.276.652.991.991,0,0,1-.3.727l-3.988,4.539Z\" transform=\"translate(1672.702 1233.234)\" fill=\"#fff\"><\/path><\/g><\/svg>\n                                                    <\/span>\n                                                <\/span>\n                                            <\/h3>\n                                        <\/div>\n                                        <div class=\"accordion-content\">\n                                            <span style=\"font-weight: 400;\">Toute r\u00e9clamation, peu importe l\u2019ampleur du sinistre, aura une incidence sur le montant de votre prime d\u2019assurance. Vous pourriez en effet perdre le rabais pour absence de r\u00e9clamation \u00e0 votre dossier auquel vous avez droit qui, dans certains cas, pourrait varier de 10 % \u00e0 25 %. Certaines compagnies d\u2019assurance offrent une protection qui pardonne votre premi\u00e8re r\u00e9clamation et n\u2019en tiennent pas compte pour la suite des choses.<\/span>                                        <\/div>\n                                    <\/div>\n                                                                        <div class=\"accordion-group\">\n                                        <div class=\"accordion-header\">\n                                            <h3>\n                                                <span class=\"icons\"><span class=\"icon all\"><\/span>&nbsp;+&nbsp;<span class=\"icon icon2 reclamations\"><\/span><\/span>\n                                                <span class=\"title\"><a href=\"#\">Que se passe-t-il si je pr\u00e9sente plusieurs r\u00e9clamations?<\/a><\/span>\n                                                <span class=\"toggler\">\n                                                    <span class=\"toggler-closed\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28.455\" height=\"28.455\" viewBox=\"0 0 28.455 28.455\"><path data-name=\"Icon ionic-ios-arrow-dropright-circle\" d=\"M3.375,17.6A14.227,14.227,0,1,0,17.6,3.375,14.225,14.225,0,0,0,3.375,17.6Zm16.724,0-5.6-5.547a1.32,1.32,0,0,1,1.867-1.867l6.525,6.546a1.319,1.319,0,0,1,.041,1.819L16.5,25a1.318,1.318,0,1,1-1.867-1.86Z\" transform=\"translate(31.83 -3.375) rotate(90)\" fill=\"#97aec6\"><\/path><\/svg>\n                                                    <\/span>\n                                                    <span class=\"toggler-opened\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28\" height=\"28\" viewBox=\"0 0 28 28\"><g data-name=\"Groupe 466\" transform=\"translate(-1670 -1136.224)\"><circle data-name=\"Ellipse 8\" cx=\"14\" cy=\"14\" r=\"14\" transform=\"translate(1670 1136.224)\" fill=\"#004e9c\"><\/circle><path data-name=\"Trac\u00e9 521\" d=\"M16.715-78.4a.991.991,0,0,1,.3.727.892.892,0,0,1-.276.652.892.892,0,0,1-.652.276.976.976,0,0,1-.727-.351L11.3-81.731,7.26-77.091a.976.976,0,0,1-.727.351.933.933,0,0,1-.665-.276.9.9,0,0,1-.288-.677,1.02,1.02,0,0,1,.3-.7l4.163-4.69L6.057-87.625a1.084,1.084,0,0,1-.3-.7A.9.9,0,0,1,6.044-89a.906.906,0,0,1,.64-.276.976.976,0,0,1,.727.351L11.3-84.465l3.887-4.464a.976.976,0,0,1,.727-.351.892.892,0,0,1,.652.276.892.892,0,0,1,.276.652.991.991,0,0,1-.3.727l-3.988,4.539Z\" transform=\"translate(1672.702 1233.234)\" fill=\"#fff\"><\/path><\/g><\/svg>\n                                                    <\/span>\n                                                <\/span>\n                                            <\/h3>\n                                        <\/div>\n                                        <div class=\"accordion-content\">\n                                            <span style=\"font-weight: 400;\">Si vous pr\u00e9sentez une ou deux r\u00e9clamations au titre de votre assurance habitation durant une p\u00e9riode de cinq ans, votre prime s\u2019en ressentira. Si vous pr\u00e9sentez plus de deux r\u00e9clamations durant une p\u00e9riode de cinq ans, vous pourriez m\u00eame avoir de la difficult\u00e9 \u00e0 obtenir une assurance habitation. Il est donc important d\u2019\u00e9valuer la situation et de d\u00e9terminer si vous devriez pr\u00e9senter ou non une r\u00e9clamation.<\/span>                                        <\/div>\n                                    <\/div>\n                                                                <\/div>\n                        <\/div>\n                                                <div id=\"tab1\" class=\"tab\">\n\n                            <div class=\"accordion\">\n                                                                    <div class=\"accordion-group\">\n                                        <div class=\"accordion-header\">\n                                            <h3>\n                                                <span class=\"icons\"><span class=\"icon all\"><\/span>&nbsp;+&nbsp;<span class=\"icon icon2 auto\"><\/span><\/span>\n                                                <span class=\"title\"><a href=\"#\">Dois-je payer une p\u00e9nalit\u00e9 lorsque j\u2019annule ma police d\u2019assurance auto ou habitation?<\/a><\/span>\n                                                <span class=\"toggler\">\n                                                    <span class=\"toggler-closed\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28.455\" height=\"28.455\" viewBox=\"0 0 28.455 28.455\"><path data-name=\"Icon ionic-ios-arrow-dropright-circle\" d=\"M3.375,17.6A14.227,14.227,0,1,0,17.6,3.375,14.225,14.225,0,0,0,3.375,17.6Zm16.724,0-5.6-5.547a1.32,1.32,0,0,1,1.867-1.867l6.525,6.546a1.319,1.319,0,0,1,.041,1.819L16.5,25a1.318,1.318,0,1,1-1.867-1.86Z\" transform=\"translate(31.83 -3.375) rotate(90)\" fill=\"#97aec6\"><\/path><\/svg>\n                                                    <\/span>\n                                                    <span class=\"toggler-opened\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28\" height=\"28\" viewBox=\"0 0 28 28\"><g data-name=\"Groupe 466\" transform=\"translate(-1670 -1136.224)\"><circle data-name=\"Ellipse 8\" cx=\"14\" cy=\"14\" r=\"14\" transform=\"translate(1670 1136.224)\" fill=\"#004e9c\"><\/circle><path data-name=\"Trac\u00e9 521\" d=\"M16.715-78.4a.991.991,0,0,1,.3.727.892.892,0,0,1-.276.652.892.892,0,0,1-.652.276.976.976,0,0,1-.727-.351L11.3-81.731,7.26-77.091a.976.976,0,0,1-.727.351.933.933,0,0,1-.665-.276.9.9,0,0,1-.288-.677,1.02,1.02,0,0,1,.3-.7l4.163-4.69L6.057-87.625a1.084,1.084,0,0,1-.3-.7A.9.9,0,0,1,6.044-89a.906.906,0,0,1,.64-.276.976.976,0,0,1,.727.351L11.3-84.465l3.887-4.464a.976.976,0,0,1,.727-.351.892.892,0,0,1,.652.276.892.892,0,0,1,.276.652.991.991,0,0,1-.3.727l-3.988,4.539Z\" transform=\"translate(1672.702 1233.234)\" fill=\"#fff\"><\/path><\/g><\/svg>\n                                                    <\/span>\n                                                <\/span>\n                                            <\/h3>\n                                        <\/div>\n                                        <div class=\"accordion-content\">\n                                            <span style=\"font-weight: 400;\">Lorsque vous demandez l\u2019annulation (la r\u00e9siliation) de votre police \u00e0 la date de renouvellement, vous n\u2019avez ni p\u00e9nalit\u00e9 ni frais suppl\u00e9mentaires \u00e0 payer. Toute demande de r\u00e9siliation pr\u00e9sent\u00e9e en cours de contrat donne cependant lieu \u00e0 des frais de r\u00e9siliation.<\/span>                                        <\/div>\n                                    <\/div>\n                                                                        <div class=\"accordion-group\">\n                                        <div class=\"accordion-header\">\n                                            <h3>\n                                                <span class=\"icons\"><span class=\"icon all\"><\/span>&nbsp;+&nbsp;<span class=\"icon icon2 auto\"><\/span><\/span>\n                                                <span class=\"title\"><a href=\"#\">Quelle est la diff\u00e9rence entre la protection collision et la protection accident sans collision ni versement?<\/a><\/span>\n                                                <span class=\"toggler\">\n                                                    <span class=\"toggler-closed\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28.455\" height=\"28.455\" viewBox=\"0 0 28.455 28.455\"><path data-name=\"Icon ionic-ios-arrow-dropright-circle\" d=\"M3.375,17.6A14.227,14.227,0,1,0,17.6,3.375,14.225,14.225,0,0,0,3.375,17.6Zm16.724,0-5.6-5.547a1.32,1.32,0,0,1,1.867-1.867l6.525,6.546a1.319,1.319,0,0,1,.041,1.819L16.5,25a1.318,1.318,0,1,1-1.867-1.86Z\" transform=\"translate(31.83 -3.375) rotate(90)\" fill=\"#97aec6\"><\/path><\/svg>\n                                                    <\/span>\n                                                    <span class=\"toggler-opened\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28\" height=\"28\" viewBox=\"0 0 28 28\"><g data-name=\"Groupe 466\" transform=\"translate(-1670 -1136.224)\"><circle data-name=\"Ellipse 8\" cx=\"14\" cy=\"14\" r=\"14\" transform=\"translate(1670 1136.224)\" fill=\"#004e9c\"><\/circle><path data-name=\"Trac\u00e9 521\" d=\"M16.715-78.4a.991.991,0,0,1,.3.727.892.892,0,0,1-.276.652.892.892,0,0,1-.652.276.976.976,0,0,1-.727-.351L11.3-81.731,7.26-77.091a.976.976,0,0,1-.727.351.933.933,0,0,1-.665-.276.9.9,0,0,1-.288-.677,1.02,1.02,0,0,1,.3-.7l4.163-4.69L6.057-87.625a1.084,1.084,0,0,1-.3-.7A.9.9,0,0,1,6.044-89a.906.906,0,0,1,.64-.276.976.976,0,0,1,.727.351L11.3-84.465l3.887-4.464a.976.976,0,0,1,.727-.351.892.892,0,0,1,.652.276.892.892,0,0,1,.276.652.991.991,0,0,1-.3.727l-3.988,4.539Z\" transform=\"translate(1672.702 1233.234)\" fill=\"#fff\"><\/path><\/g><\/svg>\n                                                    <\/span>\n                                                <\/span>\n                                            <\/h3>\n                                        <\/div>\n                                        <div class=\"accordion-content\">\n                                            <p class=\"p1\">Les protections collision et accident sans collision ni versement couvrent le co\u00fbt de la r\u00e9paration ou du remplacement de votre v\u00e9hicule de fa\u00e7on \u00e0 ce que vous n\u2019ayez rien \u00e0 payer de votre poche (\u00e0 part votre franchise).<\/p>                                        <\/div>\n                                    <\/div>\n                                                                        <div class=\"accordion-group\">\n                                        <div class=\"accordion-header\">\n                                            <h3>\n                                                <span class=\"icons\"><span class=\"icon all\"><\/span>&nbsp;+&nbsp;<span class=\"icon icon2 auto\"><\/span><\/span>\n                                                <span class=\"title\"><a href=\"#\">Que couvre la protection collision?<\/a><\/span>\n                                                <span class=\"toggler\">\n                                                    <span class=\"toggler-closed\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28.455\" height=\"28.455\" viewBox=\"0 0 28.455 28.455\"><path data-name=\"Icon ionic-ios-arrow-dropright-circle\" d=\"M3.375,17.6A14.227,14.227,0,1,0,17.6,3.375,14.225,14.225,0,0,0,3.375,17.6Zm16.724,0-5.6-5.547a1.32,1.32,0,0,1,1.867-1.867l6.525,6.546a1.319,1.319,0,0,1,.041,1.819L16.5,25a1.318,1.318,0,1,1-1.867-1.86Z\" transform=\"translate(31.83 -3.375) rotate(90)\" fill=\"#97aec6\"><\/path><\/svg>\n                                                    <\/span>\n                                                    <span class=\"toggler-opened\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28\" height=\"28\" viewBox=\"0 0 28 28\"><g data-name=\"Groupe 466\" transform=\"translate(-1670 -1136.224)\"><circle data-name=\"Ellipse 8\" cx=\"14\" cy=\"14\" r=\"14\" transform=\"translate(1670 1136.224)\" fill=\"#004e9c\"><\/circle><path data-name=\"Trac\u00e9 521\" d=\"M16.715-78.4a.991.991,0,0,1,.3.727.892.892,0,0,1-.276.652.892.892,0,0,1-.652.276.976.976,0,0,1-.727-.351L11.3-81.731,7.26-77.091a.976.976,0,0,1-.727.351.933.933,0,0,1-.665-.276.9.9,0,0,1-.288-.677,1.02,1.02,0,0,1,.3-.7l4.163-4.69L6.057-87.625a1.084,1.084,0,0,1-.3-.7A.9.9,0,0,1,6.044-89a.906.906,0,0,1,.64-.276.976.976,0,0,1,.727.351L11.3-84.465l3.887-4.464a.976.976,0,0,1,.727-.351.892.892,0,0,1,.652.276.892.892,0,0,1,.276.652.991.991,0,0,1-.3.727l-3.988,4.539Z\" transform=\"translate(1672.702 1233.234)\" fill=\"#fff\"><\/path><\/g><\/svg>\n                                                    <\/span>\n                                                <\/span>\n                                            <\/h3>\n                                        <\/div>\n                                        <div class=\"accordion-content\">\n                                            <p class=\"p1\">La protection collision est facultative et couvre le co\u00fbt de la r\u00e9paration ou du remplacement de votre v\u00e9hicule si vous heurtez un autre v\u00e9hicule (ou un objet), le sol ou un objet sur le sol (un arbre, un panneau de signalisation ou une glissi\u00e8re de s\u00e9curit\u00e9, par exemple), une personne ou un animal. Vous devrez payer votre franchise.<\/p>                                        <\/div>\n                                    <\/div>\n                                                                        <div class=\"accordion-group\">\n                                        <div class=\"accordion-header\">\n                                            <h3>\n                                                <span class=\"icons\"><span class=\"icon all\"><\/span>&nbsp;+&nbsp;<span class=\"icon icon2 auto\"><\/span><\/span>\n                                                <span class=\"title\"><a href=\"#\">Que couvre la protection accident sans collision ni versement?<\/a><\/span>\n                                                <span class=\"toggler\">\n                                                    <span class=\"toggler-closed\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28.455\" height=\"28.455\" viewBox=\"0 0 28.455 28.455\"><path data-name=\"Icon ionic-ios-arrow-dropright-circle\" d=\"M3.375,17.6A14.227,14.227,0,1,0,17.6,3.375,14.225,14.225,0,0,0,3.375,17.6Zm16.724,0-5.6-5.547a1.32,1.32,0,0,1,1.867-1.867l6.525,6.546a1.319,1.319,0,0,1,.041,1.819L16.5,25a1.318,1.318,0,1,1-1.867-1.86Z\" transform=\"translate(31.83 -3.375) rotate(90)\" fill=\"#97aec6\"><\/path><\/svg>\n                                                    <\/span>\n                                                    <span class=\"toggler-opened\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28\" height=\"28\" viewBox=\"0 0 28 28\"><g data-name=\"Groupe 466\" transform=\"translate(-1670 -1136.224)\"><circle data-name=\"Ellipse 8\" cx=\"14\" cy=\"14\" r=\"14\" transform=\"translate(1670 1136.224)\" fill=\"#004e9c\"><\/circle><path data-name=\"Trac\u00e9 521\" d=\"M16.715-78.4a.991.991,0,0,1,.3.727.892.892,0,0,1-.276.652.892.892,0,0,1-.652.276.976.976,0,0,1-.727-.351L11.3-81.731,7.26-77.091a.976.976,0,0,1-.727.351.933.933,0,0,1-.665-.276.9.9,0,0,1-.288-.677,1.02,1.02,0,0,1,.3-.7l4.163-4.69L6.057-87.625a1.084,1.084,0,0,1-.3-.7A.9.9,0,0,1,6.044-89a.906.906,0,0,1,.64-.276.976.976,0,0,1,.727.351L11.3-84.465l3.887-4.464a.976.976,0,0,1,.727-.351.892.892,0,0,1,.652.276.892.892,0,0,1,.276.652.991.991,0,0,1-.3.727l-3.988,4.539Z\" transform=\"translate(1672.702 1233.234)\" fill=\"#fff\"><\/path><\/g><\/svg>\n                                                    <\/span>\n                                                <\/span>\n                                            <\/h3>\n                                        <\/div>\n                                        <div class=\"accordion-content\">\n                                            <p class=\"p1\">La protection accident sans collision ni versement est facultative et couvre les frais de r\u00e9paration d\u00e9coulant d\u2019autres sources que la collision ou le renversement, le co\u00fbt de la r\u00e9paration ou du remplacement de votre v\u00e9hicule s\u2019il est endommag\u00e9 par un incendie, un vol ou une tentative de vol, le vandalisme, la chute d\u2019objets, les objets volants, une catastrophe naturelle, une \u00e9meute ou des troubles civils.<\/p>                                        <\/div>\n                                    <\/div>\n                                                                        <div class=\"accordion-group\">\n                                        <div class=\"accordion-header\">\n                                            <h3>\n                                                <span class=\"icons\"><span class=\"icon all\"><\/span>&nbsp;+&nbsp;<span class=\"icon icon2 auto\"><\/span><\/span>\n                                                <span class=\"title\"><a href=\"#\">Qu\u2019est-ce qu\u2019une franchise et comment fonctionne-t-elle?<\/a><\/span>\n                                                <span class=\"toggler\">\n                                                    <span class=\"toggler-closed\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28.455\" height=\"28.455\" viewBox=\"0 0 28.455 28.455\"><path data-name=\"Icon ionic-ios-arrow-dropright-circle\" d=\"M3.375,17.6A14.227,14.227,0,1,0,17.6,3.375,14.225,14.225,0,0,0,3.375,17.6Zm16.724,0-5.6-5.547a1.32,1.32,0,0,1,1.867-1.867l6.525,6.546a1.319,1.319,0,0,1,.041,1.819L16.5,25a1.318,1.318,0,1,1-1.867-1.86Z\" transform=\"translate(31.83 -3.375) rotate(90)\" fill=\"#97aec6\"><\/path><\/svg>\n                                                    <\/span>\n                                                    <span class=\"toggler-opened\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28\" height=\"28\" viewBox=\"0 0 28 28\"><g data-name=\"Groupe 466\" transform=\"translate(-1670 -1136.224)\"><circle data-name=\"Ellipse 8\" cx=\"14\" cy=\"14\" r=\"14\" transform=\"translate(1670 1136.224)\" fill=\"#004e9c\"><\/circle><path data-name=\"Trac\u00e9 521\" d=\"M16.715-78.4a.991.991,0,0,1,.3.727.892.892,0,0,1-.276.652.892.892,0,0,1-.652.276.976.976,0,0,1-.727-.351L11.3-81.731,7.26-77.091a.976.976,0,0,1-.727.351.933.933,0,0,1-.665-.276.9.9,0,0,1-.288-.677,1.02,1.02,0,0,1,.3-.7l4.163-4.69L6.057-87.625a1.084,1.084,0,0,1-.3-.7A.9.9,0,0,1,6.044-89a.906.906,0,0,1,.64-.276.976.976,0,0,1,.727.351L11.3-84.465l3.887-4.464a.976.976,0,0,1,.727-.351.892.892,0,0,1,.652.276.892.892,0,0,1,.276.652.991.991,0,0,1-.3.727l-3.988,4.539Z\" transform=\"translate(1672.702 1233.234)\" fill=\"#fff\"><\/path><\/g><\/svg>\n                                                    <\/span>\n                                                <\/span>\n                                            <\/h3>\n                                        <\/div>\n                                        <div class=\"accordion-content\">\n                                            <span style=\"font-weight: 400;\">La franchise de votre assurance correspond au montant que vous devez payer en cas de sinistre. Lorsque vous d\u00e9clarez un sinistre couvert par votre police d\u2019assurance, la compagnie d\u2019assurance prendra en charge les co\u00fbts en exc\u00e9dent du montant de la franchise, jusqu\u2019\u00e0 concurrence des maximums pr\u00e9vus par votre police.<\/span>                                        <\/div>\n                                    <\/div>\n                                                                        <div class=\"accordion-group\">\n                                        <div class=\"accordion-header\">\n                                            <h3>\n                                                <span class=\"icons\"><span class=\"icon all\"><\/span>&nbsp;+&nbsp;<span class=\"icon icon2 auto\"><\/span><\/span>\n                                                <span class=\"title\"><a href=\"#\">Comment puis-je diminuer ma prime d\u2019assurance auto?<\/a><\/span>\n                                                <span class=\"toggler\">\n                                                    <span class=\"toggler-closed\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28.455\" height=\"28.455\" viewBox=\"0 0 28.455 28.455\"><path data-name=\"Icon ionic-ios-arrow-dropright-circle\" d=\"M3.375,17.6A14.227,14.227,0,1,0,17.6,3.375,14.225,14.225,0,0,0,3.375,17.6Zm16.724,0-5.6-5.547a1.32,1.32,0,0,1,1.867-1.867l6.525,6.546a1.319,1.319,0,0,1,.041,1.819L16.5,25a1.318,1.318,0,1,1-1.867-1.86Z\" transform=\"translate(31.83 -3.375) rotate(90)\" fill=\"#97aec6\"><\/path><\/svg>\n                                                    <\/span>\n                                                    <span class=\"toggler-opened\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28\" height=\"28\" viewBox=\"0 0 28 28\"><g data-name=\"Groupe 466\" transform=\"translate(-1670 -1136.224)\"><circle data-name=\"Ellipse 8\" cx=\"14\" cy=\"14\" r=\"14\" transform=\"translate(1670 1136.224)\" fill=\"#004e9c\"><\/circle><path data-name=\"Trac\u00e9 521\" d=\"M16.715-78.4a.991.991,0,0,1,.3.727.892.892,0,0,1-.276.652.892.892,0,0,1-.652.276.976.976,0,0,1-.727-.351L11.3-81.731,7.26-77.091a.976.976,0,0,1-.727.351.933.933,0,0,1-.665-.276.9.9,0,0,1-.288-.677,1.02,1.02,0,0,1,.3-.7l4.163-4.69L6.057-87.625a1.084,1.084,0,0,1-.3-.7A.9.9,0,0,1,6.044-89a.906.906,0,0,1,.64-.276.976.976,0,0,1,.727.351L11.3-84.465l3.887-4.464a.976.976,0,0,1,.727-.351.892.892,0,0,1,.652.276.892.892,0,0,1,.276.652.991.991,0,0,1-.3.727l-3.988,4.539Z\" transform=\"translate(1672.702 1233.234)\" fill=\"#fff\"><\/path><\/g><\/svg>\n                                                    <\/span>\n                                                <\/span>\n                                            <\/h3>\n                                        <\/div>\n                                        <div class=\"accordion-content\">\n                                            <p class=\"p1\">Vous pouvez songer \u00e0 regrouper vos assurances auto et habitation pour obtenir des rabais sur les deux polices. Vous pouvez \u00e9galement augmenter le montant de votre franchise pour r\u00e9duire votre prime. Un bon dossier de conduite, sans infraction ni accident responsable, se r\u00e9percutera positivement sur le montant de votre prime. Certaines compagnies d\u2019assurance offrent \u00e9galement des rabais lorsque vous les autorisez \u00e0 surveiller vos habitudes de conduite au moyen d\u2019une application. De bons comportements au volant se traduisent ainsi par une prime moins \u00e9lev\u00e9e.<\/p>                                        <\/div>\n                                    <\/div>\n                                                                        <div class=\"accordion-group\">\n                                        <div class=\"accordion-header\">\n                                            <h3>\n                                                <span class=\"icons\"><span class=\"icon all\"><\/span>&nbsp;+&nbsp;<span class=\"icon icon2 auto\"><\/span><\/span>\n                                                <span class=\"title\"><a href=\"#\">Je pars en vacances \u00e0 l\u2019\u00e9tranger. Puis-je suspendre temporairement mon assurance auto?<\/a><\/span>\n                                                <span class=\"toggler\">\n                                                    <span class=\"toggler-closed\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28.455\" height=\"28.455\" viewBox=\"0 0 28.455 28.455\"><path data-name=\"Icon ionic-ios-arrow-dropright-circle\" d=\"M3.375,17.6A14.227,14.227,0,1,0,17.6,3.375,14.225,14.225,0,0,0,3.375,17.6Zm16.724,0-5.6-5.547a1.32,1.32,0,0,1,1.867-1.867l6.525,6.546a1.319,1.319,0,0,1,.041,1.819L16.5,25a1.318,1.318,0,1,1-1.867-1.86Z\" transform=\"translate(31.83 -3.375) rotate(90)\" fill=\"#97aec6\"><\/path><\/svg>\n                                                    <\/span>\n                                                    <span class=\"toggler-opened\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28\" height=\"28\" viewBox=\"0 0 28 28\"><g data-name=\"Groupe 466\" transform=\"translate(-1670 -1136.224)\"><circle data-name=\"Ellipse 8\" cx=\"14\" cy=\"14\" r=\"14\" transform=\"translate(1670 1136.224)\" fill=\"#004e9c\"><\/circle><path data-name=\"Trac\u00e9 521\" d=\"M16.715-78.4a.991.991,0,0,1,.3.727.892.892,0,0,1-.276.652.892.892,0,0,1-.652.276.976.976,0,0,1-.727-.351L11.3-81.731,7.26-77.091a.976.976,0,0,1-.727.351.933.933,0,0,1-.665-.276.9.9,0,0,1-.288-.677,1.02,1.02,0,0,1,.3-.7l4.163-4.69L6.057-87.625a1.084,1.084,0,0,1-.3-.7A.9.9,0,0,1,6.044-89a.906.906,0,0,1,.64-.276.976.976,0,0,1,.727.351L11.3-84.465l3.887-4.464a.976.976,0,0,1,.727-.351.892.892,0,0,1,.652.276.892.892,0,0,1,.276.652.991.991,0,0,1-.3.727l-3.988,4.539Z\" transform=\"translate(1672.702 1233.234)\" fill=\"#fff\"><\/path><\/g><\/svg>\n                                                    <\/span>\n                                                <\/span>\n                                            <\/h3>\n                                        <\/div>\n                                        <div class=\"accordion-content\">\n                                            <p class=\"p1\">Nous ne vous recommandons pas de suspendre ou d\u2019annuler votre assurance auto pendant que vous \u00eates en vacances. Toutefois, lorsque vous vous absentez pendant 45 jours ou plus, vous pouvez suspendre une partie de votre couverture pour r\u00e9aliser des \u00e9conomies pendant que vous n\u2019utilisez pas votre v\u00e9hicule.<\/p>                                        <\/div>\n                                    <\/div>\n                                                                        <div class=\"accordion-group\">\n                                        <div class=\"accordion-header\">\n                                            <h3>\n                                                <span class=\"icons\"><span class=\"icon all\"><\/span>&nbsp;+&nbsp;<span class=\"icon icon2 auto\"><\/span><\/span>\n                                                <span class=\"title\"><a href=\"#\">Si j\u2019ai un accident, ai-je droit \u00e0 un v\u00e9hicule de location au titre de mon assurance?<\/a><\/span>\n                                                <span class=\"toggler\">\n                                                    <span class=\"toggler-closed\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28.455\" height=\"28.455\" viewBox=\"0 0 28.455 28.455\"><path data-name=\"Icon ionic-ios-arrow-dropright-circle\" d=\"M3.375,17.6A14.227,14.227,0,1,0,17.6,3.375,14.225,14.225,0,0,0,3.375,17.6Zm16.724,0-5.6-5.547a1.32,1.32,0,0,1,1.867-1.867l6.525,6.546a1.319,1.319,0,0,1,.041,1.819L16.5,25a1.318,1.318,0,1,1-1.867-1.86Z\" transform=\"translate(31.83 -3.375) rotate(90)\" fill=\"#97aec6\"><\/path><\/svg>\n                                                    <\/span>\n                                                    <span class=\"toggler-opened\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28\" height=\"28\" viewBox=\"0 0 28 28\"><g data-name=\"Groupe 466\" transform=\"translate(-1670 -1136.224)\"><circle data-name=\"Ellipse 8\" cx=\"14\" cy=\"14\" r=\"14\" transform=\"translate(1670 1136.224)\" fill=\"#004e9c\"><\/circle><path data-name=\"Trac\u00e9 521\" d=\"M16.715-78.4a.991.991,0,0,1,.3.727.892.892,0,0,1-.276.652.892.892,0,0,1-.652.276.976.976,0,0,1-.727-.351L11.3-81.731,7.26-77.091a.976.976,0,0,1-.727.351.933.933,0,0,1-.665-.276.9.9,0,0,1-.288-.677,1.02,1.02,0,0,1,.3-.7l4.163-4.69L6.057-87.625a1.084,1.084,0,0,1-.3-.7A.9.9,0,0,1,6.044-89a.906.906,0,0,1,.64-.276.976.976,0,0,1,.727.351L11.3-84.465l3.887-4.464a.976.976,0,0,1,.727-.351.892.892,0,0,1,.652.276.892.892,0,0,1,.276.652.991.991,0,0,1-.3.727l-3.988,4.539Z\" transform=\"translate(1672.702 1233.234)\" fill=\"#fff\"><\/path><\/g><\/svg>\n                                                    <\/span>\n                                                <\/span>\n                                            <\/h3>\n                                        <\/div>\n                                        <div class=\"accordion-content\">\n                                            <p class=\"p1\">En cas d\u2019accident non responsable, vous avez g\u00e9n\u00e9ralement droit au remboursement des frais engag\u00e9s pour la location d\u2019un v\u00e9hicule. Pour vous assurer que vous aurez droit \u00e0 un v\u00e9hicule de location en cas d\u2019accident ou d\u2019autres dommages, assurez-vous que votre police comporte une garantie de perte de jouissance du v\u00e9hicule (avenant no 20).<\/p>                                        <\/div>\n                                    <\/div>\n                                                                        <div class=\"accordion-group\">\n                                        <div class=\"accordion-header\">\n                                            <h3>\n                                                <span class=\"icons\"><span class=\"icon all\"><\/span>&nbsp;+&nbsp;<span class=\"icon icon2 auto\"><\/span><\/span>\n                                                <span class=\"title\"><a href=\"#\">Dois-je souscrire une assurance aupr\u00e8s de la compagnie de location de voitures lorsque je loue une voiture ou suis-je couvert par mon assurance auto?<\/a><\/span>\n                                                <span class=\"toggler\">\n                                                    <span class=\"toggler-closed\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28.455\" height=\"28.455\" viewBox=\"0 0 28.455 28.455\"><path data-name=\"Icon ionic-ios-arrow-dropright-circle\" d=\"M3.375,17.6A14.227,14.227,0,1,0,17.6,3.375,14.225,14.225,0,0,0,3.375,17.6Zm16.724,0-5.6-5.547a1.32,1.32,0,0,1,1.867-1.867l6.525,6.546a1.319,1.319,0,0,1,.041,1.819L16.5,25a1.318,1.318,0,1,1-1.867-1.86Z\" transform=\"translate(31.83 -3.375) rotate(90)\" fill=\"#97aec6\"><\/path><\/svg>\n                                                    <\/span>\n                                                    <span class=\"toggler-opened\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28\" height=\"28\" viewBox=\"0 0 28 28\"><g data-name=\"Groupe 466\" transform=\"translate(-1670 -1136.224)\"><circle data-name=\"Ellipse 8\" cx=\"14\" cy=\"14\" r=\"14\" transform=\"translate(1670 1136.224)\" fill=\"#004e9c\"><\/circle><path data-name=\"Trac\u00e9 521\" d=\"M16.715-78.4a.991.991,0,0,1,.3.727.892.892,0,0,1-.276.652.892.892,0,0,1-.652.276.976.976,0,0,1-.727-.351L11.3-81.731,7.26-77.091a.976.976,0,0,1-.727.351.933.933,0,0,1-.665-.276.9.9,0,0,1-.288-.677,1.02,1.02,0,0,1,.3-.7l4.163-4.69L6.057-87.625a1.084,1.084,0,0,1-.3-.7A.9.9,0,0,1,6.044-89a.906.906,0,0,1,.64-.276.976.976,0,0,1,.727.351L11.3-84.465l3.887-4.464a.976.976,0,0,1,.727-.351.892.892,0,0,1,.652.276.892.892,0,0,1,.276.652.991.991,0,0,1-.3.727l-3.988,4.539Z\" transform=\"translate(1672.702 1233.234)\" fill=\"#fff\"><\/path><\/g><\/svg>\n                                                    <\/span>\n                                                <\/span>\n                                            <\/h3>\n                                        <\/div>\n                                        <div class=\"accordion-content\">\n                                            <p class=\"p1\">Votre protection en responsabilit\u00e9 civile vous suit partout en Am\u00e9rique\u00a0du\u00a0Nord. Les dommages caus\u00e9s \u00e0 une voiture de location ne sont couverts par votre police d\u2019assurance auto que si votre police comporte une garantie de responsabilit\u00e9 pour dommages inflig\u00e9s \u00e0 des automobiles appartenant \u00e0 un tiers (avenant no 27). Vous pouvez ajouter cette protection en tout temps en communiquant avec un de nos courtiers.<\/p>                                        <\/div>\n                                    <\/div>\n                                                                        <div class=\"accordion-group\">\n                                        <div class=\"accordion-header\">\n                                            <h3>\n                                                <span class=\"icons\"><span class=\"icon all\"><\/span>&nbsp;+&nbsp;<span class=\"icon icon2 auto\"><\/span><\/span>\n                                                <span class=\"title\"><a href=\"#\">Puis-je obtenir un rabais si je souscris mes assurances auto et habitation aupr\u00e8s de la m\u00eame compagnie d\u2019assurance?<\/a><\/span>\n                                                <span class=\"toggler\">\n                                                    <span class=\"toggler-closed\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28.455\" height=\"28.455\" viewBox=\"0 0 28.455 28.455\"><path data-name=\"Icon ionic-ios-arrow-dropright-circle\" d=\"M3.375,17.6A14.227,14.227,0,1,0,17.6,3.375,14.225,14.225,0,0,0,3.375,17.6Zm16.724,0-5.6-5.547a1.32,1.32,0,0,1,1.867-1.867l6.525,6.546a1.319,1.319,0,0,1,.041,1.819L16.5,25a1.318,1.318,0,1,1-1.867-1.86Z\" transform=\"translate(31.83 -3.375) rotate(90)\" fill=\"#97aec6\"><\/path><\/svg>\n                                                    <\/span>\n                                                    <span class=\"toggler-opened\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28\" height=\"28\" viewBox=\"0 0 28 28\"><g data-name=\"Groupe 466\" transform=\"translate(-1670 -1136.224)\"><circle data-name=\"Ellipse 8\" cx=\"14\" cy=\"14\" r=\"14\" transform=\"translate(1670 1136.224)\" fill=\"#004e9c\"><\/circle><path data-name=\"Trac\u00e9 521\" d=\"M16.715-78.4a.991.991,0,0,1,.3.727.892.892,0,0,1-.276.652.892.892,0,0,1-.652.276.976.976,0,0,1-.727-.351L11.3-81.731,7.26-77.091a.976.976,0,0,1-.727.351.933.933,0,0,1-.665-.276.9.9,0,0,1-.288-.677,1.02,1.02,0,0,1,.3-.7l4.163-4.69L6.057-87.625a1.084,1.084,0,0,1-.3-.7A.9.9,0,0,1,6.044-89a.906.906,0,0,1,.64-.276.976.976,0,0,1,.727.351L11.3-84.465l3.887-4.464a.976.976,0,0,1,.727-.351.892.892,0,0,1,.652.276.892.892,0,0,1,.276.652.991.991,0,0,1-.3.727l-3.988,4.539Z\" transform=\"translate(1672.702 1233.234)\" fill=\"#fff\"><\/path><\/g><\/svg>\n                                                    <\/span>\n                                                <\/span>\n                                            <\/h3>\n                                        <\/div>\n                                        <div class=\"accordion-content\">\n                                            <p class=\"p1\">Tout \u00e0 fait! Suivant la compagnie d\u2019assurance avec laquelle vous traitez, le rabais auquel vous aurez droit pourrait atteindre 15 %!<\/p>                                        <\/div>\n                                    <\/div>\n                                                                        <div class=\"accordion-group\">\n                                        <div class=\"accordion-header\">\n                                            <h3>\n                                                <span class=\"icons\"><span class=\"icon all\"><\/span>&nbsp;+&nbsp;<span class=\"icon icon2 auto\"><\/span><\/span>\n                                                <span class=\"title\"><a href=\"#\">Ma voiture ne vaut pas grand-chose. Dois-je vraiment souscrire une assurance auto?<\/a><\/span>\n                                                <span class=\"toggler\">\n                                                    <span class=\"toggler-closed\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28.455\" height=\"28.455\" viewBox=\"0 0 28.455 28.455\"><path data-name=\"Icon ionic-ios-arrow-dropright-circle\" d=\"M3.375,17.6A14.227,14.227,0,1,0,17.6,3.375,14.225,14.225,0,0,0,3.375,17.6Zm16.724,0-5.6-5.547a1.32,1.32,0,0,1,1.867-1.867l6.525,6.546a1.319,1.319,0,0,1,.041,1.819L16.5,25a1.318,1.318,0,1,1-1.867-1.86Z\" transform=\"translate(31.83 -3.375) rotate(90)\" fill=\"#97aec6\"><\/path><\/svg>\n                                                    <\/span>\n                                                    <span class=\"toggler-opened\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28\" height=\"28\" viewBox=\"0 0 28 28\"><g data-name=\"Groupe 466\" transform=\"translate(-1670 -1136.224)\"><circle data-name=\"Ellipse 8\" cx=\"14\" cy=\"14\" r=\"14\" transform=\"translate(1670 1136.224)\" fill=\"#004e9c\"><\/circle><path data-name=\"Trac\u00e9 521\" d=\"M16.715-78.4a.991.991,0,0,1,.3.727.892.892,0,0,1-.276.652.892.892,0,0,1-.652.276.976.976,0,0,1-.727-.351L11.3-81.731,7.26-77.091a.976.976,0,0,1-.727.351.933.933,0,0,1-.665-.276.9.9,0,0,1-.288-.677,1.02,1.02,0,0,1,.3-.7l4.163-4.69L6.057-87.625a1.084,1.084,0,0,1-.3-.7A.9.9,0,0,1,6.044-89a.906.906,0,0,1,.64-.276.976.976,0,0,1,.727.351L11.3-84.465l3.887-4.464a.976.976,0,0,1,.727-.351.892.892,0,0,1,.652.276.892.892,0,0,1,.276.652.991.991,0,0,1-.3.727l-3.988,4.539Z\" transform=\"translate(1672.702 1233.234)\" fill=\"#fff\"><\/path><\/g><\/svg>\n                                                    <\/span>\n                                                <\/span>\n                                            <\/h3>\n                                        <\/div>\n                                        <div class=\"accordion-content\">\n                                            <span style=\"font-weight: 400;\">La loi vous oblige \u00e0 souscrire certaines protections, comme l\u2019assurance responsabilit\u00e9 civile* et les indemnit\u00e9s d\u2019accident**. D\u2019autres protections sont quant \u00e0 elles facultatives. C\u2019est notamment le cas des protections collision et accident sans collision ni versement. Ces protections facultatives couvrent le co\u00fbt de la r\u00e9paration ou du remplacement du v\u00e9hicule apr\u00e8s un accident ou d\u2019autres \u00e9v\u00e9nements tels que l\u2019incendie, le vandalisme ou la chute d\u2019un arbre sur votre voiture. Si vous \u00eates pr\u00eat \u00e0 payer vous-m\u00eame les r\u00e9parations, vous n\u2019\u00eates pas tenu de souscrire une protection collision ou une protection accident sans collision ni versement.<\/span>\r\n\r\n<em><span style=\"font-weight: 400;\">*La couverture d\u2019assurance responsabilit\u00e9 civile vous prot\u00e8ge dans l\u2019\u00e9ventualit\u00e9 o\u00f9 vous \u00eates poursuivi et \u00eates reconnu l\u00e9galement responsable d\u2019avoir caus\u00e9 des dommages \u00e0 la propri\u00e9t\u00e9 d\u2019autrui ou d\u2019avoir bless\u00e9 quelqu\u2019un.<\/span><\/em>\r\n\r\n<em><span style=\"font-weight: 400;\">**Les indemnit\u00e9s d\u2019accident couvrent les d\u00e9penses engag\u00e9es si vous ou un passager \u00eates bless\u00e9 dans un accident de la route. Si vous ou un passager\u00a0 mourez par suite d\u2019un accident de la route, des indemnit\u00e9s sont vers\u00e9es \u00e0 votre famille.<\/span><\/em>                                        <\/div>\n                                    <\/div>\n                                                                        <div class=\"accordion-group\">\n                                        <div class=\"accordion-header\">\n                                            <h3>\n                                                <span class=\"icons\"><span class=\"icon all\"><\/span>&nbsp;+&nbsp;<span class=\"icon icon2 auto\"><\/span><\/span>\n                                                <span class=\"title\"><a href=\"#\">Quelle diff\u00e9rence y a-t-il entre la \u00ab valeur au jour du sinistre \u00bb et le \u00ab co\u00fbt de remplacement \u00bb?<\/a><\/span>\n                                                <span class=\"toggler\">\n                                                    <span class=\"toggler-closed\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28.455\" height=\"28.455\" viewBox=\"0 0 28.455 28.455\"><path data-name=\"Icon ionic-ios-arrow-dropright-circle\" d=\"M3.375,17.6A14.227,14.227,0,1,0,17.6,3.375,14.225,14.225,0,0,0,3.375,17.6Zm16.724,0-5.6-5.547a1.32,1.32,0,0,1,1.867-1.867l6.525,6.546a1.319,1.319,0,0,1,.041,1.819L16.5,25a1.318,1.318,0,1,1-1.867-1.86Z\" transform=\"translate(31.83 -3.375) rotate(90)\" fill=\"#97aec6\"><\/path><\/svg>\n                                                    <\/span>\n                                                    <span class=\"toggler-opened\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28\" height=\"28\" viewBox=\"0 0 28 28\"><g data-name=\"Groupe 466\" transform=\"translate(-1670 -1136.224)\"><circle data-name=\"Ellipse 8\" cx=\"14\" cy=\"14\" r=\"14\" transform=\"translate(1670 1136.224)\" fill=\"#004e9c\"><\/circle><path data-name=\"Trac\u00e9 521\" d=\"M16.715-78.4a.991.991,0,0,1,.3.727.892.892,0,0,1-.276.652.892.892,0,0,1-.652.276.976.976,0,0,1-.727-.351L11.3-81.731,7.26-77.091a.976.976,0,0,1-.727.351.933.933,0,0,1-.665-.276.9.9,0,0,1-.288-.677,1.02,1.02,0,0,1,.3-.7l4.163-4.69L6.057-87.625a1.084,1.084,0,0,1-.3-.7A.9.9,0,0,1,6.044-89a.906.906,0,0,1,.64-.276.976.976,0,0,1,.727.351L11.3-84.465l3.887-4.464a.976.976,0,0,1,.727-.351.892.892,0,0,1,.652.276.892.892,0,0,1,.276.652.991.991,0,0,1-.3.727l-3.988,4.539Z\" transform=\"translate(1672.702 1233.234)\" fill=\"#fff\"><\/path><\/g><\/svg>\n                                                    <\/span>\n                                                <\/span>\n                                            <\/h3>\n                                        <\/div>\n                                        <div class=\"accordion-content\">\n                                            <p class=\"p1\">Pour d\u00e9terminer le montant qu\u2019elle vous remboursera, la compagnie d\u2019assurance \u00e9tablit la valeur au jour du sinistre du bien endommag\u00e9, en tenant compte de sa d\u00e9pr\u00e9ciation. Par contre, si vous \u00eates indemnis\u00e9 en fonction du \u00ab co\u00fbt de remplacement \u00bb, la compagnie d\u2019assurance vous remboursera le co\u00fbt d\u2019un bien de m\u00eame nature et de m\u00eame qualit\u00e9.<\/p>                                        <\/div>\n                                    <\/div>\n                                                                        <div class=\"accordion-group\">\n                                        <div class=\"accordion-header\">\n                                            <h3>\n                                                <span class=\"icons\"><span class=\"icon all\"><\/span>&nbsp;+&nbsp;<span class=\"icon icon2 auto\"><\/span><\/span>\n                                                <span class=\"title\"><a href=\"#\">Je magasine dans le but de remplacer mon v\u00e9hicule; comment faire pour obtenir une soumission pour le mod\u00e8le et la marque du v\u00e9hicule qui m\u2019int\u00e9resse?<\/a><\/span>\n                                                <span class=\"toggler\">\n                                                    <span class=\"toggler-closed\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28.455\" height=\"28.455\" viewBox=\"0 0 28.455 28.455\"><path data-name=\"Icon ionic-ios-arrow-dropright-circle\" d=\"M3.375,17.6A14.227,14.227,0,1,0,17.6,3.375,14.225,14.225,0,0,0,3.375,17.6Zm16.724,0-5.6-5.547a1.32,1.32,0,0,1,1.867-1.867l6.525,6.546a1.319,1.319,0,0,1,.041,1.819L16.5,25a1.318,1.318,0,1,1-1.867-1.86Z\" transform=\"translate(31.83 -3.375) rotate(90)\" fill=\"#97aec6\"><\/path><\/svg>\n                                                    <\/span>\n                                                    <span class=\"toggler-opened\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28\" height=\"28\" viewBox=\"0 0 28 28\"><g data-name=\"Groupe 466\" transform=\"translate(-1670 -1136.224)\"><circle data-name=\"Ellipse 8\" cx=\"14\" cy=\"14\" r=\"14\" transform=\"translate(1670 1136.224)\" fill=\"#004e9c\"><\/circle><path data-name=\"Trac\u00e9 521\" d=\"M16.715-78.4a.991.991,0,0,1,.3.727.892.892,0,0,1-.276.652.892.892,0,0,1-.652.276.976.976,0,0,1-.727-.351L11.3-81.731,7.26-77.091a.976.976,0,0,1-.727.351.933.933,0,0,1-.665-.276.9.9,0,0,1-.288-.677,1.02,1.02,0,0,1,.3-.7l4.163-4.69L6.057-87.625a1.084,1.084,0,0,1-.3-.7A.9.9,0,0,1,6.044-89a.906.906,0,0,1,.64-.276.976.976,0,0,1,.727.351L11.3-84.465l3.887-4.464a.976.976,0,0,1,.727-.351.892.892,0,0,1,.652.276.892.892,0,0,1,.276.652.991.991,0,0,1-.3.727l-3.988,4.539Z\" transform=\"translate(1672.702 1233.234)\" fill=\"#fff\"><\/path><\/g><\/svg>\n                                                    <\/span>\n                                                <\/span>\n                                            <\/h3>\n                                        <\/div>\n                                        <div class=\"accordion-content\">\n                                            <p class=\"p1\">Vous pouvez faite la demande de soumission en cliquant \u2018Get A Quote\u2019.<\/p>\r\n<p class=\"p1\"><img fetchpriority=\"high\" decoding=\"async\" class=\"alignnone wp-image-13007 size-full\" src=\"https:\/\/www.inovainc.ca\/wp-content\/uploads\/2023\/09\/myInova-Screenshot-1.png\" alt=\"\" width=\"1035\" height=\"640\" srcset=\"https:\/\/www.inovainc.ca\/wp-content\/uploads\/2023\/09\/myInova-Screenshot-1.png 1035w, https:\/\/www.inovainc.ca\/wp-content\/uploads\/2023\/09\/myInova-Screenshot-1-300x186.png 300w, https:\/\/www.inovainc.ca\/wp-content\/uploads\/2023\/09\/myInova-Screenshot-1-1024x633.png 1024w, https:\/\/www.inovainc.ca\/wp-content\/uploads\/2023\/09\/myInova-Screenshot-1-768x475.png 768w\" sizes=\"(max-width: 1035px) 100vw, 1035px\" \/><\/p>\r\n<p class=\"p1\">Si vous chercher \u00e0 remplacer votre v\u00e9hicule, vous devez s\u00e9lectionner \u2018Quote for a Replacement Vehicle\u2019. Cependant, si vous voulez ajouter un v\u00e9hicule \u00e0 votre police, vous devrez choisir \u2018Quote for a New Vehicle\u2019 peu importe si le v\u00e9hicule qui vous int\u00e9resse est neuf ou usag\u00e9.<\/p>\r\n<p class=\"p1\"><img decoding=\"async\" class=\"alignnone wp-image-13009 size-full\" src=\"https:\/\/www.inovainc.ca\/wp-content\/uploads\/2023\/09\/myInova-Screenshot-2.png\" alt=\"\" width=\"1429\" height=\"604\" srcset=\"https:\/\/www.inovainc.ca\/wp-content\/uploads\/2023\/09\/myInova-Screenshot-2.png 1429w, https:\/\/www.inovainc.ca\/wp-content\/uploads\/2023\/09\/myInova-Screenshot-2-300x127.png 300w, https:\/\/www.inovainc.ca\/wp-content\/uploads\/2023\/09\/myInova-Screenshot-2-1024x433.png 1024w, https:\/\/www.inovainc.ca\/wp-content\/uploads\/2023\/09\/myInova-Screenshot-2-768x325.png 768w\" sizes=\"(max-width: 1429px) 100vw, 1429px\" \/><\/p>\r\n<p class=\"p1\">Afin de nous assurer que vous b\u00e9n\u00e9ficiez de tous les rabais auxquels vous avez droit et que nous avons calcul\u00e9 la prime la plus avantageuse, l'un de nos courtiers vous contactera d\u2019ici un \u00e0 deux jours ouvrables.<\/p>\r\n<p class=\"p1\"><img decoding=\"async\" class=\"alignnone size-full wp-image-13005\" src=\"https:\/\/www.inovainc.ca\/wp-content\/uploads\/2023\/09\/myInova-Screenshot-3.png\" alt=\"\" width=\"632\" height=\"312\" srcset=\"https:\/\/www.inovainc.ca\/wp-content\/uploads\/2023\/09\/myInova-Screenshot-3.png 632w, https:\/\/www.inovainc.ca\/wp-content\/uploads\/2023\/09\/myInova-Screenshot-3-300x148.png 300w\" sizes=\"(max-width: 632px) 100vw, 632px\" \/><\/p>\r\n<p class=\"p1\"><strong>Ce que vous devez savoir<\/strong><\/p>\r\n\r\n<ul>\r\n \t<li>Votre soumission sera en date d\u2019aujourd\u2019hui.<\/li>\r\n \t<li>Si vous d\u00e9cidez d\u2019apporter des changements \u00e0 votre police en fonction de la soumission re\u00e7ue, vous devrez confirmer la date d\u2019entr\u00e9e en vigueur.<\/li>\r\n \t<li>Lorsque nous recevrons votre demande, nous vous contacterons pour vous informer de la prime et vous aurez l\u2019option de faire le changement ou non.<\/li>\r\n<\/ul>                                        <\/div>\n                                    <\/div>\n                                                                <\/div>\n                        <\/div>\n                                                <div id=\"tab2\" class=\"tab\">\n\n                            <div class=\"accordion\">\n                                                                    <div class=\"accordion-group\">\n                                        <div class=\"accordion-header\">\n                                            <h3>\n                                                <span class=\"icons\"><span class=\"icon all\"><\/span>&nbsp;+&nbsp;<span class=\"icon icon2 habitation\"><\/span><\/span>\n                                                <span class=\"title\"><a href=\"#\">Dois-je payer une p\u00e9nalit\u00e9 lorsque j\u2019annule ma police d\u2019assurance auto ou habitation?<\/a><\/span>\n                                                <span class=\"toggler\">\n                                                    <span class=\"toggler-closed\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28.455\" height=\"28.455\" viewBox=\"0 0 28.455 28.455\"><path data-name=\"Icon ionic-ios-arrow-dropright-circle\" d=\"M3.375,17.6A14.227,14.227,0,1,0,17.6,3.375,14.225,14.225,0,0,0,3.375,17.6Zm16.724,0-5.6-5.547a1.32,1.32,0,0,1,1.867-1.867l6.525,6.546a1.319,1.319,0,0,1,.041,1.819L16.5,25a1.318,1.318,0,1,1-1.867-1.86Z\" transform=\"translate(31.83 -3.375) rotate(90)\" fill=\"#97aec6\"><\/path><\/svg>\n                                                    <\/span>\n                                                    <span class=\"toggler-opened\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28\" height=\"28\" viewBox=\"0 0 28 28\"><g data-name=\"Groupe 466\" transform=\"translate(-1670 -1136.224)\"><circle data-name=\"Ellipse 8\" cx=\"14\" cy=\"14\" r=\"14\" transform=\"translate(1670 1136.224)\" fill=\"#004e9c\"><\/circle><path data-name=\"Trac\u00e9 521\" d=\"M16.715-78.4a.991.991,0,0,1,.3.727.892.892,0,0,1-.276.652.892.892,0,0,1-.652.276.976.976,0,0,1-.727-.351L11.3-81.731,7.26-77.091a.976.976,0,0,1-.727.351.933.933,0,0,1-.665-.276.9.9,0,0,1-.288-.677,1.02,1.02,0,0,1,.3-.7l4.163-4.69L6.057-87.625a1.084,1.084,0,0,1-.3-.7A.9.9,0,0,1,6.044-89a.906.906,0,0,1,.64-.276.976.976,0,0,1,.727.351L11.3-84.465l3.887-4.464a.976.976,0,0,1,.727-.351.892.892,0,0,1,.652.276.892.892,0,0,1,.276.652.991.991,0,0,1-.3.727l-3.988,4.539Z\" transform=\"translate(1672.702 1233.234)\" fill=\"#fff\"><\/path><\/g><\/svg>\n                                                    <\/span>\n                                                <\/span>\n                                            <\/h3>\n                                        <\/div>\n                                        <div class=\"accordion-content\">\n                                            <span style=\"font-weight: 400;\">Lorsque vous demandez l\u2019annulation (la r\u00e9siliation) de votre police \u00e0 la date de renouvellement, vous n\u2019avez ni p\u00e9nalit\u00e9 ni frais suppl\u00e9mentaires \u00e0 payer. Toute demande de r\u00e9siliation pr\u00e9sent\u00e9e en cours de contrat donne cependant lieu \u00e0 des frais de r\u00e9siliation.<\/span>                                        <\/div>\n                                    <\/div>\n                                                                        <div class=\"accordion-group\">\n                                        <div class=\"accordion-header\">\n                                            <h3>\n                                                <span class=\"icons\"><span class=\"icon all\"><\/span>&nbsp;+&nbsp;<span class=\"icon icon2 habitation\"><\/span><\/span>\n                                                <span class=\"title\"><a href=\"#\">Puis-je obtenir un rabais si je souscris mes assurances auto et habitation aupr\u00e8s de la m\u00eame compagnie d\u2019assurance?<\/a><\/span>\n                                                <span class=\"toggler\">\n                                                    <span class=\"toggler-closed\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28.455\" height=\"28.455\" viewBox=\"0 0 28.455 28.455\"><path data-name=\"Icon ionic-ios-arrow-dropright-circle\" d=\"M3.375,17.6A14.227,14.227,0,1,0,17.6,3.375,14.225,14.225,0,0,0,3.375,17.6Zm16.724,0-5.6-5.547a1.32,1.32,0,0,1,1.867-1.867l6.525,6.546a1.319,1.319,0,0,1,.041,1.819L16.5,25a1.318,1.318,0,1,1-1.867-1.86Z\" transform=\"translate(31.83 -3.375) rotate(90)\" fill=\"#97aec6\"><\/path><\/svg>\n                                                    <\/span>\n                                                    <span class=\"toggler-opened\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28\" height=\"28\" viewBox=\"0 0 28 28\"><g data-name=\"Groupe 466\" transform=\"translate(-1670 -1136.224)\"><circle data-name=\"Ellipse 8\" cx=\"14\" cy=\"14\" r=\"14\" transform=\"translate(1670 1136.224)\" fill=\"#004e9c\"><\/circle><path data-name=\"Trac\u00e9 521\" d=\"M16.715-78.4a.991.991,0,0,1,.3.727.892.892,0,0,1-.276.652.892.892,0,0,1-.652.276.976.976,0,0,1-.727-.351L11.3-81.731,7.26-77.091a.976.976,0,0,1-.727.351.933.933,0,0,1-.665-.276.9.9,0,0,1-.288-.677,1.02,1.02,0,0,1,.3-.7l4.163-4.69L6.057-87.625a1.084,1.084,0,0,1-.3-.7A.9.9,0,0,1,6.044-89a.906.906,0,0,1,.64-.276.976.976,0,0,1,.727.351L11.3-84.465l3.887-4.464a.976.976,0,0,1,.727-.351.892.892,0,0,1,.652.276.892.892,0,0,1,.276.652.991.991,0,0,1-.3.727l-3.988,4.539Z\" transform=\"translate(1672.702 1233.234)\" fill=\"#fff\"><\/path><\/g><\/svg>\n                                                    <\/span>\n                                                <\/span>\n                                            <\/h3>\n                                        <\/div>\n                                        <div class=\"accordion-content\">\n                                            <p class=\"p1\">Tout \u00e0 fait! Suivant la compagnie d\u2019assurance avec laquelle vous traitez, le rabais auquel vous aurez droit pourrait atteindre 15 %!<\/p>                                        <\/div>\n                                    <\/div>\n                                                                        <div class=\"accordion-group\">\n                                        <div class=\"accordion-header\">\n                                            <h3>\n                                                <span class=\"icons\"><span class=\"icon all\"><\/span>&nbsp;+&nbsp;<span class=\"icon icon2 habitation\"><\/span><\/span>\n                                                <span class=\"title\"><a href=\"#\">Comment puis-je diminuer ma prime d\u2019assurance habitation?<\/a><\/span>\n                                                <span class=\"toggler\">\n                                                    <span class=\"toggler-closed\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28.455\" height=\"28.455\" viewBox=\"0 0 28.455 28.455\"><path data-name=\"Icon ionic-ios-arrow-dropright-circle\" d=\"M3.375,17.6A14.227,14.227,0,1,0,17.6,3.375,14.225,14.225,0,0,0,3.375,17.6Zm16.724,0-5.6-5.547a1.32,1.32,0,0,1,1.867-1.867l6.525,6.546a1.319,1.319,0,0,1,.041,1.819L16.5,25a1.318,1.318,0,1,1-1.867-1.86Z\" transform=\"translate(31.83 -3.375) rotate(90)\" fill=\"#97aec6\"><\/path><\/svg>\n                                                    <\/span>\n                                                    <span class=\"toggler-opened\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28\" height=\"28\" viewBox=\"0 0 28 28\"><g data-name=\"Groupe 466\" transform=\"translate(-1670 -1136.224)\"><circle data-name=\"Ellipse 8\" cx=\"14\" cy=\"14\" r=\"14\" transform=\"translate(1670 1136.224)\" fill=\"#004e9c\"><\/circle><path data-name=\"Trac\u00e9 521\" d=\"M16.715-78.4a.991.991,0,0,1,.3.727.892.892,0,0,1-.276.652.892.892,0,0,1-.652.276.976.976,0,0,1-.727-.351L11.3-81.731,7.26-77.091a.976.976,0,0,1-.727.351.933.933,0,0,1-.665-.276.9.9,0,0,1-.288-.677,1.02,1.02,0,0,1,.3-.7l4.163-4.69L6.057-87.625a1.084,1.084,0,0,1-.3-.7A.9.9,0,0,1,6.044-89a.906.906,0,0,1,.64-.276.976.976,0,0,1,.727.351L11.3-84.465l3.887-4.464a.976.976,0,0,1,.727-.351.892.892,0,0,1,.652.276.892.892,0,0,1,.276.652.991.991,0,0,1-.3.727l-3.988,4.539Z\" transform=\"translate(1672.702 1233.234)\" fill=\"#fff\"><\/path><\/g><\/svg>\n                                                    <\/span>\n                                                <\/span>\n                                            <\/h3>\n                                        <\/div>\n                                        <div class=\"accordion-content\">\n                                            <p class=\"p1\">Vous pouvez songer \u00e0 regrouper vos assurances auto et habitation pour obtenir des rabais sur les deux polices. Vous pouvez \u00e9galement augmenter le montant de votre franchise pour r\u00e9duire votre prime. Songez \u00e0 installer un syst\u00e8me de s\u00e9curit\u00e9 reli\u00e9 \u00e0 une centrale pour d\u00e9tecter les vols et les incendies, car la plupart des compagnies d\u2019assurance offrent des rabais int\u00e9ressants pour les maisons \u00e9quip\u00e9es de tels syst\u00e8mes. Il est \u00e9galement tr\u00e8s important de bien entretenir la propri\u00e9t\u00e9, en particulier votre toit et la plomberie, ainsi que les syst\u00e8mes \u00e9lectriques et de chauffage. Songez \u00e0 payer de votre poche les petites r\u00e9clamations afin de continuer d\u2019avoir droit au rabais pour absence de r\u00e9clamation \u00e0 votre dossier.\r\n\r\n<\/p>                                        <\/div>\n                                    <\/div>\n                                                                        <div class=\"accordion-group\">\n                                        <div class=\"accordion-header\">\n                                            <h3>\n                                                <span class=\"icons\"><span class=\"icon all\"><\/span>&nbsp;+&nbsp;<span class=\"icon icon2 habitation\"><\/span><\/span>\n                                                <span class=\"title\"><a href=\"#\">Qu\u2019est-ce qu\u2019on entend par \u00ab protection en responsabilit\u00e9 civile \u00bb (assurance habitation) et pourquoi en ai-je besoin?<\/a><\/span>\n                                                <span class=\"toggler\">\n                                                    <span class=\"toggler-closed\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28.455\" height=\"28.455\" viewBox=\"0 0 28.455 28.455\"><path data-name=\"Icon ionic-ios-arrow-dropright-circle\" d=\"M3.375,17.6A14.227,14.227,0,1,0,17.6,3.375,14.225,14.225,0,0,0,3.375,17.6Zm16.724,0-5.6-5.547a1.32,1.32,0,0,1,1.867-1.867l6.525,6.546a1.319,1.319,0,0,1,.041,1.819L16.5,25a1.318,1.318,0,1,1-1.867-1.86Z\" transform=\"translate(31.83 -3.375) rotate(90)\" fill=\"#97aec6\"><\/path><\/svg>\n                                                    <\/span>\n                                                    <span class=\"toggler-opened\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28\" height=\"28\" viewBox=\"0 0 28 28\"><g data-name=\"Groupe 466\" transform=\"translate(-1670 -1136.224)\"><circle data-name=\"Ellipse 8\" cx=\"14\" cy=\"14\" r=\"14\" transform=\"translate(1670 1136.224)\" fill=\"#004e9c\"><\/circle><path data-name=\"Trac\u00e9 521\" d=\"M16.715-78.4a.991.991,0,0,1,.3.727.892.892,0,0,1-.276.652.892.892,0,0,1-.652.276.976.976,0,0,1-.727-.351L11.3-81.731,7.26-77.091a.976.976,0,0,1-.727.351.933.933,0,0,1-.665-.276.9.9,0,0,1-.288-.677,1.02,1.02,0,0,1,.3-.7l4.163-4.69L6.057-87.625a1.084,1.084,0,0,1-.3-.7A.9.9,0,0,1,6.044-89a.906.906,0,0,1,.64-.276.976.976,0,0,1,.727.351L11.3-84.465l3.887-4.464a.976.976,0,0,1,.727-.351.892.892,0,0,1,.652.276.892.892,0,0,1,.276.652.991.991,0,0,1-.3.727l-3.988,4.539Z\" transform=\"translate(1672.702 1233.234)\" fill=\"#fff\"><\/path><\/g><\/svg>\n                                                    <\/span>\n                                                <\/span>\n                                            <\/h3>\n                                        <\/div>\n                                        <div class=\"accordion-content\">\n                                            <p class=\"p1\">Vous pouvez \u00eatre tenu responsable des dommages corporels ou mat\u00e9riels caus\u00e9s involontairement \u00e0 autrui. Gr\u00e2ce \u00e0 la protection en responsabilit\u00e9 civile, votre assureur vous d\u00e9fendra \u00e0 ses frais si vous \u00eates poursuivi en justice. Cette protection vous couvre pour les dommages survenus partout dans le monde. Il est important de noter que toute poursuite en responsabilit\u00e9 civile attribuable \u00e0 un accident de voiture est couverte au titre de la police d\u2019assurance auto et non de la police d\u2019assurance habitation.<\/p>\r\n<p class=\"p1\">Prenons l\u2019exemple d\u2019une personne qui marche dans votre garage et sur laquelle une \u00e9chelle tombe. La personne se fracture une jambe et un bras, qui s\u2019av\u00e8re une blessure permanente. Elle d\u00e9cide alors de vous poursuivre en justice \u00e9tant donn\u00e9 qu\u2019elle ne peut plus travailler.<\/p>                                        <\/div>\n                                    <\/div>\n                                                                        <div class=\"accordion-group\">\n                                        <div class=\"accordion-header\">\n                                            <h3>\n                                                <span class=\"icons\"><span class=\"icon all\"><\/span>&nbsp;+&nbsp;<span class=\"icon icon2 habitation\"><\/span><\/span>\n                                                <span class=\"title\"><a href=\"#\">Que couvre une police d\u2019assurance habitation?<\/a><\/span>\n                                                <span class=\"toggler\">\n                                                    <span class=\"toggler-closed\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28.455\" height=\"28.455\" viewBox=\"0 0 28.455 28.455\"><path data-name=\"Icon ionic-ios-arrow-dropright-circle\" d=\"M3.375,17.6A14.227,14.227,0,1,0,17.6,3.375,14.225,14.225,0,0,0,3.375,17.6Zm16.724,0-5.6-5.547a1.32,1.32,0,0,1,1.867-1.867l6.525,6.546a1.319,1.319,0,0,1,.041,1.819L16.5,25a1.318,1.318,0,1,1-1.867-1.86Z\" transform=\"translate(31.83 -3.375) rotate(90)\" fill=\"#97aec6\"><\/path><\/svg>\n                                                    <\/span>\n                                                    <span class=\"toggler-opened\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28\" height=\"28\" viewBox=\"0 0 28 28\"><g data-name=\"Groupe 466\" transform=\"translate(-1670 -1136.224)\"><circle data-name=\"Ellipse 8\" cx=\"14\" cy=\"14\" r=\"14\" transform=\"translate(1670 1136.224)\" fill=\"#004e9c\"><\/circle><path data-name=\"Trac\u00e9 521\" d=\"M16.715-78.4a.991.991,0,0,1,.3.727.892.892,0,0,1-.276.652.892.892,0,0,1-.652.276.976.976,0,0,1-.727-.351L11.3-81.731,7.26-77.091a.976.976,0,0,1-.727.351.933.933,0,0,1-.665-.276.9.9,0,0,1-.288-.677,1.02,1.02,0,0,1,.3-.7l4.163-4.69L6.057-87.625a1.084,1.084,0,0,1-.3-.7A.9.9,0,0,1,6.044-89a.906.906,0,0,1,.64-.276.976.976,0,0,1,.727.351L11.3-84.465l3.887-4.464a.976.976,0,0,1,.727-.351.892.892,0,0,1,.652.276.892.892,0,0,1,.276.652.991.991,0,0,1-.3.727l-3.988,4.539Z\" transform=\"translate(1672.702 1233.234)\" fill=\"#fff\"><\/path><\/g><\/svg>\n                                                    <\/span>\n                                                <\/span>\n                                            <\/h3>\n                                        <\/div>\n                                        <div class=\"accordion-content\">\n                                            <span style=\"font-weight: 400;\">Toutes les polices d\u2019assurance habitation comprennent une protection en responsabilit\u00e9 civile. La couverture d\u2019assurance responsabilit\u00e9 civile vous prot\u00e8ge dans l\u2019\u00e9ventualit\u00e9 o\u00f9 vous \u00eates poursuivi et \u00eates reconnu l\u00e9galement responsable d\u2019avoir caus\u00e9 des dommages \u00e0 la propri\u00e9t\u00e9 d\u2019autrui ou d\u2019avoir bless\u00e9 quelqu\u2019un.<\/span><span style=\"font-weight: 400;\">\r\n<\/span>\r\n\r\n<span style=\"font-weight: 400;\">Vous avez une maison, un duplex, un triplex ou une maison en rang\u00e9e? Outre la protection en responsabilit\u00e9 civile, votre police d\u2019assurance habitation couvre le b\u00e2timent, les structures d\u00e9tach\u00e9es (comme les cabanons et les garages), les biens personnels et les frais de subsistance suppl\u00e9mentaires.<\/span>\r\n\r\n<span style=\"font-weight: 400;\">Vous avez un condo? Outre la protection en responsabilit\u00e9 civile, votre police d\u2019assurance habitation couvre vos biens personnels et la r\u00e9partition apr\u00e8s sinistre.<\/span>\r\n\r\n<span style=\"font-weight: 400;\">Vous \u00eates locataire? Outre la protection en responsabilit\u00e9 civile, votre police d\u2019assurance habitation couvre vos biens personnels ainsi que les am\u00e9liorations et r\u00e9novations du logement que vous avez effectu\u00e9es (et pay\u00e9es).<\/span>                                        <\/div>\n                                    <\/div>\n                                                                        <div class=\"accordion-group\">\n                                        <div class=\"accordion-header\">\n                                            <h3>\n                                                <span class=\"icons\"><span class=\"icon all\"><\/span>&nbsp;+&nbsp;<span class=\"icon icon2 habitation\"><\/span><\/span>\n                                                <span class=\"title\"><a href=\"#\">Je pars en vacances pendant une semaine ou deux. Est-ce que je dois faire quelque chose en particulier pour mon assurance habitation?<\/a><\/span>\n                                                <span class=\"toggler\">\n                                                    <span class=\"toggler-closed\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28.455\" height=\"28.455\" viewBox=\"0 0 28.455 28.455\"><path data-name=\"Icon ionic-ios-arrow-dropright-circle\" d=\"M3.375,17.6A14.227,14.227,0,1,0,17.6,3.375,14.225,14.225,0,0,0,3.375,17.6Zm16.724,0-5.6-5.547a1.32,1.32,0,0,1,1.867-1.867l6.525,6.546a1.319,1.319,0,0,1,.041,1.819L16.5,25a1.318,1.318,0,1,1-1.867-1.86Z\" transform=\"translate(31.83 -3.375) rotate(90)\" fill=\"#97aec6\"><\/path><\/svg>\n                                                    <\/span>\n                                                    <span class=\"toggler-opened\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28\" height=\"28\" viewBox=\"0 0 28 28\"><g data-name=\"Groupe 466\" transform=\"translate(-1670 -1136.224)\"><circle data-name=\"Ellipse 8\" cx=\"14\" cy=\"14\" r=\"14\" transform=\"translate(1670 1136.224)\" fill=\"#004e9c\"><\/circle><path data-name=\"Trac\u00e9 521\" d=\"M16.715-78.4a.991.991,0,0,1,.3.727.892.892,0,0,1-.276.652.892.892,0,0,1-.652.276.976.976,0,0,1-.727-.351L11.3-81.731,7.26-77.091a.976.976,0,0,1-.727.351.933.933,0,0,1-.665-.276.9.9,0,0,1-.288-.677,1.02,1.02,0,0,1,.3-.7l4.163-4.69L6.057-87.625a1.084,1.084,0,0,1-.3-.7A.9.9,0,0,1,6.044-89a.906.906,0,0,1,.64-.276.976.976,0,0,1,.727.351L11.3-84.465l3.887-4.464a.976.976,0,0,1,.727-.351.892.892,0,0,1,.652.276.892.892,0,0,1,.276.652.991.991,0,0,1-.3.727l-3.988,4.539Z\" transform=\"translate(1672.702 1233.234)\" fill=\"#fff\"><\/path><\/g><\/svg>\n                                                    <\/span>\n                                                <\/span>\n                                            <\/h3>\n                                        <\/div>\n                                        <div class=\"accordion-content\">\n                                            <p class=\"p1\">Je pars en vacances pendant une semaine ou deux. Est-ce que je dois faire quelque chose en particulier pour mon assurance habitation?<\/p>                                        <\/div>\n                                    <\/div>\n                                                                <\/div>\n                        <\/div>\n                                                <div id=\"tab3\" class=\"tab\">\n\n                            <div class=\"accordion\">\n                                                                    <div class=\"accordion-group\">\n                                        <div class=\"accordion-header\">\n                                            <h3>\n                                                <span class=\"icons\"><span class=\"icon all\"><\/span>&nbsp;+&nbsp;<span class=\"icon icon2 reclamations\"><\/span><\/span>\n                                                <span class=\"title\"><a href=\"#\">Qu\u2019est-ce qu\u2019une franchise?<\/a><\/span>\n                                                <span class=\"toggler\">\n                                                    <span class=\"toggler-closed\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28.455\" height=\"28.455\" viewBox=\"0 0 28.455 28.455\"><path data-name=\"Icon ionic-ios-arrow-dropright-circle\" d=\"M3.375,17.6A14.227,14.227,0,1,0,17.6,3.375,14.225,14.225,0,0,0,3.375,17.6Zm16.724,0-5.6-5.547a1.32,1.32,0,0,1,1.867-1.867l6.525,6.546a1.319,1.319,0,0,1,.041,1.819L16.5,25a1.318,1.318,0,1,1-1.867-1.86Z\" transform=\"translate(31.83 -3.375) rotate(90)\" fill=\"#97aec6\"><\/path><\/svg>\n                                                    <\/span>\n                                                    <span class=\"toggler-opened\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28\" height=\"28\" viewBox=\"0 0 28 28\"><g data-name=\"Groupe 466\" transform=\"translate(-1670 -1136.224)\"><circle data-name=\"Ellipse 8\" cx=\"14\" cy=\"14\" r=\"14\" transform=\"translate(1670 1136.224)\" fill=\"#004e9c\"><\/circle><path data-name=\"Trac\u00e9 521\" d=\"M16.715-78.4a.991.991,0,0,1,.3.727.892.892,0,0,1-.276.652.892.892,0,0,1-.652.276.976.976,0,0,1-.727-.351L11.3-81.731,7.26-77.091a.976.976,0,0,1-.727.351.933.933,0,0,1-.665-.276.9.9,0,0,1-.288-.677,1.02,1.02,0,0,1,.3-.7l4.163-4.69L6.057-87.625a1.084,1.084,0,0,1-.3-.7A.9.9,0,0,1,6.044-89a.906.906,0,0,1,.64-.276.976.976,0,0,1,.727.351L11.3-84.465l3.887-4.464a.976.976,0,0,1,.727-.351.892.892,0,0,1,.652.276.892.892,0,0,1,.276.652.991.991,0,0,1-.3.727l-3.988,4.539Z\" transform=\"translate(1672.702 1233.234)\" fill=\"#fff\"><\/path><\/g><\/svg>\n                                                    <\/span>\n                                                <\/span>\n                                            <\/h3>\n                                        <\/div>\n                                        <div class=\"accordion-content\">\n                                            <p class=\"p1\">La franchise correspond au montant que vous devez payer de votre poche en cas de sinistre. La compagnie d\u2019assurance prend pour sa part en charge les frais en exc\u00e9dent de la franchise, jusqu\u2019\u00e0 concurrence des maximums pr\u00e9vus par votre police.<\/p>                                        <\/div>\n                                    <\/div>\n                                                                        <div class=\"accordion-group\">\n                                        <div class=\"accordion-header\">\n                                            <h3>\n                                                <span class=\"icons\"><span class=\"icon all\"><\/span>&nbsp;+&nbsp;<span class=\"icon icon2 reclamations\"><\/span><\/span>\n                                                <span class=\"title\"><a href=\"#\">Dois-je avoir un rapport de police pour pr\u00e9senter une r\u00e9clamation?<\/a><\/span>\n                                                <span class=\"toggler\">\n                                                    <span class=\"toggler-closed\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28.455\" height=\"28.455\" viewBox=\"0 0 28.455 28.455\"><path data-name=\"Icon ionic-ios-arrow-dropright-circle\" d=\"M3.375,17.6A14.227,14.227,0,1,0,17.6,3.375,14.225,14.225,0,0,0,3.375,17.6Zm16.724,0-5.6-5.547a1.32,1.32,0,0,1,1.867-1.867l6.525,6.546a1.319,1.319,0,0,1,.041,1.819L16.5,25a1.318,1.318,0,1,1-1.867-1.86Z\" transform=\"translate(31.83 -3.375) rotate(90)\" fill=\"#97aec6\"><\/path><\/svg>\n                                                    <\/span>\n                                                    <span class=\"toggler-opened\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28\" height=\"28\" viewBox=\"0 0 28 28\"><g data-name=\"Groupe 466\" transform=\"translate(-1670 -1136.224)\"><circle data-name=\"Ellipse 8\" cx=\"14\" cy=\"14\" r=\"14\" transform=\"translate(1670 1136.224)\" fill=\"#004e9c\"><\/circle><path data-name=\"Trac\u00e9 521\" d=\"M16.715-78.4a.991.991,0,0,1,.3.727.892.892,0,0,1-.276.652.892.892,0,0,1-.652.276.976.976,0,0,1-.727-.351L11.3-81.731,7.26-77.091a.976.976,0,0,1-.727.351.933.933,0,0,1-.665-.276.9.9,0,0,1-.288-.677,1.02,1.02,0,0,1,.3-.7l4.163-4.69L6.057-87.625a1.084,1.084,0,0,1-.3-.7A.9.9,0,0,1,6.044-89a.906.906,0,0,1,.64-.276.976.976,0,0,1,.727.351L11.3-84.465l3.887-4.464a.976.976,0,0,1,.727-.351.892.892,0,0,1,.652.276.892.892,0,0,1,.276.652.991.991,0,0,1-.3.727l-3.988,4.539Z\" transform=\"translate(1672.702 1233.234)\" fill=\"#fff\"><\/path><\/g><\/svg>\n                                                    <\/span>\n                                                <\/span>\n                                            <\/h3>\n                                        <\/div>\n                                        <div class=\"accordion-content\">\n                                            <p class=\"p1\">Dans la plupart des cas, un rapport de police n\u2019est pas n\u00e9cessaire. En cas de d\u00e9lit de fuite, de vol ou de tentative de vol, toutefois, vous devez signaler l\u2019incident \u00e0 la police.<\/p>                                        <\/div>\n                                    <\/div>\n                                                                        <div class=\"accordion-group\">\n                                        <div class=\"accordion-header\">\n                                            <h3>\n                                                <span class=\"icons\"><span class=\"icon all\"><\/span>&nbsp;+&nbsp;<span class=\"icon icon2 reclamations\"><\/span><\/span>\n                                                <span class=\"title\"><a href=\"#\">Quel est le r\u00f4le d\u2019Inova dans le cadre du processus de r\u00e9clamation?<\/a><\/span>\n                                                <span class=\"toggler\">\n                                                    <span class=\"toggler-closed\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28.455\" height=\"28.455\" viewBox=\"0 0 28.455 28.455\"><path data-name=\"Icon ionic-ios-arrow-dropright-circle\" d=\"M3.375,17.6A14.227,14.227,0,1,0,17.6,3.375,14.225,14.225,0,0,0,3.375,17.6Zm16.724,0-5.6-5.547a1.32,1.32,0,0,1,1.867-1.867l6.525,6.546a1.319,1.319,0,0,1,.041,1.819L16.5,25a1.318,1.318,0,1,1-1.867-1.86Z\" transform=\"translate(31.83 -3.375) rotate(90)\" fill=\"#97aec6\"><\/path><\/svg>\n                                                    <\/span>\n                                                    <span class=\"toggler-opened\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28\" height=\"28\" viewBox=\"0 0 28 28\"><g data-name=\"Groupe 466\" transform=\"translate(-1670 -1136.224)\"><circle data-name=\"Ellipse 8\" cx=\"14\" cy=\"14\" r=\"14\" transform=\"translate(1670 1136.224)\" fill=\"#004e9c\"><\/circle><path data-name=\"Trac\u00e9 521\" d=\"M16.715-78.4a.991.991,0,0,1,.3.727.892.892,0,0,1-.276.652.892.892,0,0,1-.652.276.976.976,0,0,1-.727-.351L11.3-81.731,7.26-77.091a.976.976,0,0,1-.727.351.933.933,0,0,1-.665-.276.9.9,0,0,1-.288-.677,1.02,1.02,0,0,1,.3-.7l4.163-4.69L6.057-87.625a1.084,1.084,0,0,1-.3-.7A.9.9,0,0,1,6.044-89a.906.906,0,0,1,.64-.276.976.976,0,0,1,.727.351L11.3-84.465l3.887-4.464a.976.976,0,0,1,.727-.351.892.892,0,0,1,.652.276.892.892,0,0,1,.276.652.991.991,0,0,1-.3.727l-3.988,4.539Z\" transform=\"translate(1672.702 1233.234)\" fill=\"#fff\"><\/path><\/g><\/svg>\n                                                    <\/span>\n                                                <\/span>\n                                            <\/h3>\n                                        <\/div>\n                                        <div class=\"accordion-content\">\n                                            <p class=\"p1\">En tant que courtiers, nous vous accompagnerons dans le processus de r\u00e9clamation et, au besoin, nous vous conseillerons et d\u00e9fendrons vos int\u00e9r\u00eats.<\/p>                                        <\/div>\n                                    <\/div>\n                                                                        <div class=\"accordion-group\">\n                                        <div class=\"accordion-header\">\n                                            <h3>\n                                                <span class=\"icons\"><span class=\"icon all\"><\/span>&nbsp;+&nbsp;<span class=\"icon icon2 reclamations\"><\/span><\/span>\n                                                <span class=\"title\"><a href=\"#\">Mes biens personnels sont-ils couverts s\u2019ils sont endommag\u00e9s par suite d\u2019un accident de voiture ou si on me les vole dans ma voiture?<\/a><\/span>\n                                                <span class=\"toggler\">\n                                                    <span class=\"toggler-closed\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28.455\" height=\"28.455\" viewBox=\"0 0 28.455 28.455\"><path data-name=\"Icon ionic-ios-arrow-dropright-circle\" d=\"M3.375,17.6A14.227,14.227,0,1,0,17.6,3.375,14.225,14.225,0,0,0,3.375,17.6Zm16.724,0-5.6-5.547a1.32,1.32,0,0,1,1.867-1.867l6.525,6.546a1.319,1.319,0,0,1,.041,1.819L16.5,25a1.318,1.318,0,1,1-1.867-1.86Z\" transform=\"translate(31.83 -3.375) rotate(90)\" fill=\"#97aec6\"><\/path><\/svg>\n                                                    <\/span>\n                                                    <span class=\"toggler-opened\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28\" height=\"28\" viewBox=\"0 0 28 28\"><g data-name=\"Groupe 466\" transform=\"translate(-1670 -1136.224)\"><circle data-name=\"Ellipse 8\" cx=\"14\" cy=\"14\" r=\"14\" transform=\"translate(1670 1136.224)\" fill=\"#004e9c\"><\/circle><path data-name=\"Trac\u00e9 521\" d=\"M16.715-78.4a.991.991,0,0,1,.3.727.892.892,0,0,1-.276.652.892.892,0,0,1-.652.276.976.976,0,0,1-.727-.351L11.3-81.731,7.26-77.091a.976.976,0,0,1-.727.351.933.933,0,0,1-.665-.276.9.9,0,0,1-.288-.677,1.02,1.02,0,0,1,.3-.7l4.163-4.69L6.057-87.625a1.084,1.084,0,0,1-.3-.7A.9.9,0,0,1,6.044-89a.906.906,0,0,1,.64-.276.976.976,0,0,1,.727.351L11.3-84.465l3.887-4.464a.976.976,0,0,1,.727-.351.892.892,0,0,1,.652.276.892.892,0,0,1,.276.652.991.991,0,0,1-.3.727l-3.988,4.539Z\" transform=\"translate(1672.702 1233.234)\" fill=\"#fff\"><\/path><\/g><\/svg>\n                                                    <\/span>\n                                                <\/span>\n                                            <\/h3>\n                                        <\/div>\n                                        <div class=\"accordion-content\">\n                                            <p class=\"p1\">Dans la plupart des cas, votre assurance auto ne couvre pas les dommages ou le vol de vos biens personnels. Vous devez avoir une assurance habitation (propri\u00e9taire, locataire ou copropri\u00e9taire) pour que vos biens personnels soient assur\u00e9s.<\/p>                                        <\/div>\n                                    <\/div>\n                                                                        <div class=\"accordion-group\">\n                                        <div class=\"accordion-header\">\n                                            <h3>\n                                                <span class=\"icons\"><span class=\"icon all\"><\/span>&nbsp;+&nbsp;<span class=\"icon icon2 reclamations\"><\/span><\/span>\n                                                <span class=\"title\"><a href=\"#\">Suis-je couvert en cas de d\u00e9lit de fuite?<\/a><\/span>\n                                                <span class=\"toggler\">\n                                                    <span class=\"toggler-closed\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28.455\" height=\"28.455\" viewBox=\"0 0 28.455 28.455\"><path data-name=\"Icon ionic-ios-arrow-dropright-circle\" d=\"M3.375,17.6A14.227,14.227,0,1,0,17.6,3.375,14.225,14.225,0,0,0,3.375,17.6Zm16.724,0-5.6-5.547a1.32,1.32,0,0,1,1.867-1.867l6.525,6.546a1.319,1.319,0,0,1,.041,1.819L16.5,25a1.318,1.318,0,1,1-1.867-1.86Z\" transform=\"translate(31.83 -3.375) rotate(90)\" fill=\"#97aec6\"><\/path><\/svg>\n                                                    <\/span>\n                                                    <span class=\"toggler-opened\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28\" height=\"28\" viewBox=\"0 0 28 28\"><g data-name=\"Groupe 466\" transform=\"translate(-1670 -1136.224)\"><circle data-name=\"Ellipse 8\" cx=\"14\" cy=\"14\" r=\"14\" transform=\"translate(1670 1136.224)\" fill=\"#004e9c\"><\/circle><path data-name=\"Trac\u00e9 521\" d=\"M16.715-78.4a.991.991,0,0,1,.3.727.892.892,0,0,1-.276.652.892.892,0,0,1-.652.276.976.976,0,0,1-.727-.351L11.3-81.731,7.26-77.091a.976.976,0,0,1-.727.351.933.933,0,0,1-.665-.276.9.9,0,0,1-.288-.677,1.02,1.02,0,0,1,.3-.7l4.163-4.69L6.057-87.625a1.084,1.084,0,0,1-.3-.7A.9.9,0,0,1,6.044-89a.906.906,0,0,1,.64-.276.976.976,0,0,1,.727.351L11.3-84.465l3.887-4.464a.976.976,0,0,1,.727-.351.892.892,0,0,1,.652.276.892.892,0,0,1,.276.652.991.991,0,0,1-.3.727l-3.988,4.539Z\" transform=\"translate(1672.702 1233.234)\" fill=\"#fff\"><\/path><\/g><\/svg>\n                                                    <\/span>\n                                                <\/span>\n                                            <\/h3>\n                                        <\/div>\n                                        <div class=\"accordion-content\">\n                                            <p class=\"p1\">Si vous \u00eates un citoyen de l'Alberta, le d\u00e9lit de fuite est couvert par l'assurance multirisque.<\/p>\r\n<p class=\"p1\">Autrement, si vous \u00eates victime d\u2019un d\u00e9lit de fuite, vous serez couvert si vous avez souscrit la protection collision. Vous devez signaler le d\u00e9lit de fuite \u00e0 la police dans les 24 heures suivant le constat des dommages, car plusieurs compagnies d\u2019assurance exigent un rapport de police avec votre r\u00e9clamation.<\/p>                                        <\/div>\n                                    <\/div>\n                                                                        <div class=\"accordion-group\">\n                                        <div class=\"accordion-header\">\n                                            <h3>\n                                                <span class=\"icons\"><span class=\"icon all\"><\/span>&nbsp;+&nbsp;<span class=\"icon icon2 reclamations\"><\/span><\/span>\n                                                <span class=\"title\"><a href=\"#\">Mon pare-brise est ab\u00eem\u00e9. Est-ce couvert?<\/a><\/span>\n                                                <span class=\"toggler\">\n                                                    <span class=\"toggler-closed\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28.455\" height=\"28.455\" viewBox=\"0 0 28.455 28.455\"><path data-name=\"Icon ionic-ios-arrow-dropright-circle\" d=\"M3.375,17.6A14.227,14.227,0,1,0,17.6,3.375,14.225,14.225,0,0,0,3.375,17.6Zm16.724,0-5.6-5.547a1.32,1.32,0,0,1,1.867-1.867l6.525,6.546a1.319,1.319,0,0,1,.041,1.819L16.5,25a1.318,1.318,0,1,1-1.867-1.86Z\" transform=\"translate(31.83 -3.375) rotate(90)\" fill=\"#97aec6\"><\/path><\/svg>\n                                                    <\/span>\n                                                    <span class=\"toggler-opened\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28\" height=\"28\" viewBox=\"0 0 28 28\"><g data-name=\"Groupe 466\" transform=\"translate(-1670 -1136.224)\"><circle data-name=\"Ellipse 8\" cx=\"14\" cy=\"14\" r=\"14\" transform=\"translate(1670 1136.224)\" fill=\"#004e9c\"><\/circle><path data-name=\"Trac\u00e9 521\" d=\"M16.715-78.4a.991.991,0,0,1,.3.727.892.892,0,0,1-.276.652.892.892,0,0,1-.652.276.976.976,0,0,1-.727-.351L11.3-81.731,7.26-77.091a.976.976,0,0,1-.727.351.933.933,0,0,1-.665-.276.9.9,0,0,1-.288-.677,1.02,1.02,0,0,1,.3-.7l4.163-4.69L6.057-87.625a1.084,1.084,0,0,1-.3-.7A.9.9,0,0,1,6.044-89a.906.906,0,0,1,.64-.276.976.976,0,0,1,.727.351L11.3-84.465l3.887-4.464a.976.976,0,0,1,.727-.351.892.892,0,0,1,.652.276.892.892,0,0,1,.276.652.991.991,0,0,1-.3.727l-3.988,4.539Z\" transform=\"translate(1672.702 1233.234)\" fill=\"#fff\"><\/path><\/g><\/svg>\n                                                    <\/span>\n                                                <\/span>\n                                            <\/h3>\n                                        <\/div>\n                                        <div class=\"accordion-content\">\n                                            <p class=\"p1\">Les r\u00e9clamations visant les pare-brise sont g\u00e9n\u00e9ralement couvertes par la protection accident sans collision, car les fissures ou les \u00e9clats sont g\u00e9n\u00e9ralement caus\u00e9s par un objet volant, comme un caillou ou un d\u00e9bris quelconque. Communiquez avec un atelier de r\u00e9paration de pare-brise local qui, habituellement, pourra s\u2019occuper de la r\u00e9clamation pour vous.<\/p>                                        <\/div>\n                                    <\/div>\n                                                                        <div class=\"accordion-group\">\n                                        <div class=\"accordion-header\">\n                                            <h3>\n                                                <span class=\"icons\"><span class=\"icon all\"><\/span>&nbsp;+&nbsp;<span class=\"icon icon2 reclamations\"><\/span><\/span>\n                                                <span class=\"title\"><a href=\"#\">En cas d\u2019accident, comment d\u00e9termine-t-on si je suis responsable ou non?<\/a><\/span>\n                                                <span class=\"toggler\">\n                                                    <span class=\"toggler-closed\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28.455\" height=\"28.455\" viewBox=\"0 0 28.455 28.455\"><path data-name=\"Icon ionic-ios-arrow-dropright-circle\" d=\"M3.375,17.6A14.227,14.227,0,1,0,17.6,3.375,14.225,14.225,0,0,0,3.375,17.6Zm16.724,0-5.6-5.547a1.32,1.32,0,0,1,1.867-1.867l6.525,6.546a1.319,1.319,0,0,1,.041,1.819L16.5,25a1.318,1.318,0,1,1-1.867-1.86Z\" transform=\"translate(31.83 -3.375) rotate(90)\" fill=\"#97aec6\"><\/path><\/svg>\n                                                    <\/span>\n                                                    <span class=\"toggler-opened\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28\" height=\"28\" viewBox=\"0 0 28 28\"><g data-name=\"Groupe 466\" transform=\"translate(-1670 -1136.224)\"><circle data-name=\"Ellipse 8\" cx=\"14\" cy=\"14\" r=\"14\" transform=\"translate(1670 1136.224)\" fill=\"#004e9c\"><\/circle><path data-name=\"Trac\u00e9 521\" d=\"M16.715-78.4a.991.991,0,0,1,.3.727.892.892,0,0,1-.276.652.892.892,0,0,1-.652.276.976.976,0,0,1-.727-.351L11.3-81.731,7.26-77.091a.976.976,0,0,1-.727.351.933.933,0,0,1-.665-.276.9.9,0,0,1-.288-.677,1.02,1.02,0,0,1,.3-.7l4.163-4.69L6.057-87.625a1.084,1.084,0,0,1-.3-.7A.9.9,0,0,1,6.044-89a.906.906,0,0,1,.64-.276.976.976,0,0,1,.727.351L11.3-84.465l3.887-4.464a.976.976,0,0,1,.727-.351.892.892,0,0,1,.652.276.892.892,0,0,1,.276.652.991.991,0,0,1-.3.727l-3.988,4.539Z\" transform=\"translate(1672.702 1233.234)\" fill=\"#fff\"><\/path><\/g><\/svg>\n                                                    <\/span>\n                                                <\/span>\n                                            <\/h3>\n                                        <\/div>\n                                        <div class=\"accordion-content\">\n                                            <p class=\"p1\">C\u2019est l\u2019expert en sinistres assign\u00e9 au dossier qui d\u00e9termine votre responsabilit\u00e9 en fonction des r\u00e8gles de d\u00e9termination de la responsabilit\u00e9 applicables (qui varient d\u2019une province \u00e0 l\u2019autre).<\/p>                                        <\/div>\n                                    <\/div>\n                                                                        <div class=\"accordion-group\">\n                                        <div class=\"accordion-header\">\n                                            <h3>\n                                                <span class=\"icons\"><span class=\"icon all\"><\/span>&nbsp;+&nbsp;<span class=\"icon icon2 reclamations\"><\/span><\/span>\n                                                <span class=\"title\"><a href=\"#\">Si je d\u00e9clare un accident \u00e0 la compagnie d\u2019assurance, ma prime en souffrira-t-elle?<\/a><\/span>\n                                                <span class=\"toggler\">\n                                                    <span class=\"toggler-closed\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28.455\" height=\"28.455\" viewBox=\"0 0 28.455 28.455\"><path data-name=\"Icon ionic-ios-arrow-dropright-circle\" d=\"M3.375,17.6A14.227,14.227,0,1,0,17.6,3.375,14.225,14.225,0,0,0,3.375,17.6Zm16.724,0-5.6-5.547a1.32,1.32,0,0,1,1.867-1.867l6.525,6.546a1.319,1.319,0,0,1,.041,1.819L16.5,25a1.318,1.318,0,1,1-1.867-1.86Z\" transform=\"translate(31.83 -3.375) rotate(90)\" fill=\"#97aec6\"><\/path><\/svg>\n                                                    <\/span>\n                                                    <span class=\"toggler-opened\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28\" height=\"28\" viewBox=\"0 0 28 28\"><g data-name=\"Groupe 466\" transform=\"translate(-1670 -1136.224)\"><circle data-name=\"Ellipse 8\" cx=\"14\" cy=\"14\" r=\"14\" transform=\"translate(1670 1136.224)\" fill=\"#004e9c\"><\/circle><path data-name=\"Trac\u00e9 521\" d=\"M16.715-78.4a.991.991,0,0,1,.3.727.892.892,0,0,1-.276.652.892.892,0,0,1-.652.276.976.976,0,0,1-.727-.351L11.3-81.731,7.26-77.091a.976.976,0,0,1-.727.351.933.933,0,0,1-.665-.276.9.9,0,0,1-.288-.677,1.02,1.02,0,0,1,.3-.7l4.163-4.69L6.057-87.625a1.084,1.084,0,0,1-.3-.7A.9.9,0,0,1,6.044-89a.906.906,0,0,1,.64-.276.976.976,0,0,1,.727.351L11.3-84.465l3.887-4.464a.976.976,0,0,1,.727-.351.892.892,0,0,1,.652.276.892.892,0,0,1,.276.652.991.991,0,0,1-.3.727l-3.988,4.539Z\" transform=\"translate(1672.702 1233.234)\" fill=\"#fff\"><\/path><\/g><\/svg>\n                                                    <\/span>\n                                                <\/span>\n                                            <\/h3>\n                                        <\/div>\n                                        <div class=\"accordion-content\">\n                                            <p class=\"p1\">Oui, le fait de d\u00e9clarer un accident pourrait avoir une incidence sur votre prime d\u2019assurance. Certaines compagnies d\u2019assurance offrent une protection qui pardonne votre premi\u00e8re r\u00e9clamation et n\u2019en tiennent pas compte pour la suite des choses. Cette protection varie d\u2019un assureur \u00e0 l\u2019autre.<\/p>                                        <\/div>\n                                    <\/div>\n                                                                        <div class=\"accordion-group\">\n                                        <div class=\"accordion-header\">\n                                            <h3>\n                                                <span class=\"icons\"><span class=\"icon all\"><\/span>&nbsp;+&nbsp;<span class=\"icon icon2 reclamations\"><\/span><\/span>\n                                                <span class=\"title\"><a href=\"#\">Je veux d\u00e9clarer un sinistre. Comment dois-je proc\u00e9der?<\/a><\/span>\n                                                <span class=\"toggler\">\n                                                    <span class=\"toggler-closed\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28.455\" height=\"28.455\" viewBox=\"0 0 28.455 28.455\"><path data-name=\"Icon ionic-ios-arrow-dropright-circle\" d=\"M3.375,17.6A14.227,14.227,0,1,0,17.6,3.375,14.225,14.225,0,0,0,3.375,17.6Zm16.724,0-5.6-5.547a1.32,1.32,0,0,1,1.867-1.867l6.525,6.546a1.319,1.319,0,0,1,.041,1.819L16.5,25a1.318,1.318,0,1,1-1.867-1.86Z\" transform=\"translate(31.83 -3.375) rotate(90)\" fill=\"#97aec6\"><\/path><\/svg>\n                                                    <\/span>\n                                                    <span class=\"toggler-opened\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28\" height=\"28\" viewBox=\"0 0 28 28\"><g data-name=\"Groupe 466\" transform=\"translate(-1670 -1136.224)\"><circle data-name=\"Ellipse 8\" cx=\"14\" cy=\"14\" r=\"14\" transform=\"translate(1670 1136.224)\" fill=\"#004e9c\"><\/circle><path data-name=\"Trac\u00e9 521\" d=\"M16.715-78.4a.991.991,0,0,1,.3.727.892.892,0,0,1-.276.652.892.892,0,0,1-.652.276.976.976,0,0,1-.727-.351L11.3-81.731,7.26-77.091a.976.976,0,0,1-.727.351.933.933,0,0,1-.665-.276.9.9,0,0,1-.288-.677,1.02,1.02,0,0,1,.3-.7l4.163-4.69L6.057-87.625a1.084,1.084,0,0,1-.3-.7A.9.9,0,0,1,6.044-89a.906.906,0,0,1,.64-.276.976.976,0,0,1,.727.351L11.3-84.465l3.887-4.464a.976.976,0,0,1,.727-.351.892.892,0,0,1,.652.276.892.892,0,0,1,.276.652.991.991,0,0,1-.3.727l-3.988,4.539Z\" transform=\"translate(1672.702 1233.234)\" fill=\"#fff\"><\/path><\/g><\/svg>\n                                                    <\/span>\n                                                <\/span>\n                                            <\/h3>\n                                        <\/div>\n                                        <div class=\"accordion-content\">\n                                            <p class=\"p1\">Visitez la page R\u00e9clamations dans la section d'aide pour en savoir plus.<\/p>                                        <\/div>\n                                    <\/div>\n                                                                        <div class=\"accordion-group\">\n                                        <div class=\"accordion-header\">\n                                            <h3>\n                                                <span class=\"icons\"><span class=\"icon all\"><\/span>&nbsp;+&nbsp;<span class=\"icon icon2 reclamations\"><\/span><\/span>\n                                                <span class=\"title\"><a href=\"#\">Devrais-je pr\u00e9senter une r\u00e9clamation pour une perte mineure?<\/a><\/span>\n                                                <span class=\"toggler\">\n                                                    <span class=\"toggler-closed\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28.455\" height=\"28.455\" viewBox=\"0 0 28.455 28.455\"><path data-name=\"Icon ionic-ios-arrow-dropright-circle\" d=\"M3.375,17.6A14.227,14.227,0,1,0,17.6,3.375,14.225,14.225,0,0,0,3.375,17.6Zm16.724,0-5.6-5.547a1.32,1.32,0,0,1,1.867-1.867l6.525,6.546a1.319,1.319,0,0,1,.041,1.819L16.5,25a1.318,1.318,0,1,1-1.867-1.86Z\" transform=\"translate(31.83 -3.375) rotate(90)\" fill=\"#97aec6\"><\/path><\/svg>\n                                                    <\/span>\n                                                    <span class=\"toggler-opened\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28\" height=\"28\" viewBox=\"0 0 28 28\"><g data-name=\"Groupe 466\" transform=\"translate(-1670 -1136.224)\"><circle data-name=\"Ellipse 8\" cx=\"14\" cy=\"14\" r=\"14\" transform=\"translate(1670 1136.224)\" fill=\"#004e9c\"><\/circle><path data-name=\"Trac\u00e9 521\" d=\"M16.715-78.4a.991.991,0,0,1,.3.727.892.892,0,0,1-.276.652.892.892,0,0,1-.652.276.976.976,0,0,1-.727-.351L11.3-81.731,7.26-77.091a.976.976,0,0,1-.727.351.933.933,0,0,1-.665-.276.9.9,0,0,1-.288-.677,1.02,1.02,0,0,1,.3-.7l4.163-4.69L6.057-87.625a1.084,1.084,0,0,1-.3-.7A.9.9,0,0,1,6.044-89a.906.906,0,0,1,.64-.276.976.976,0,0,1,.727.351L11.3-84.465l3.887-4.464a.976.976,0,0,1,.727-.351.892.892,0,0,1,.652.276.892.892,0,0,1,.276.652.991.991,0,0,1-.3.727l-3.988,4.539Z\" transform=\"translate(1672.702 1233.234)\" fill=\"#fff\"><\/path><\/g><\/svg>\n                                                    <\/span>\n                                                <\/span>\n                                            <\/h3>\n                                        <\/div>\n                                        <div class=\"accordion-content\">\n                                            <p class=\"p1\">Nous vous recommandons fortement, dans la mesure du possible, de payer de votre poche les petites r\u00e9clamations. L\u2019assurance habitation est con\u00e7ue pour assurer votre bien-\u00eatre financier, et donc de vous prot\u00e9ger contre les pertes importantes. Lorsque vous pr\u00e9sentez une r\u00e9clamation, quel qu\u2019en soit le montant, vous perdrez vos rabais pour dossier sans sinistre et paierez une prime plus \u00e9lev\u00e9e.<\/p>                                        <\/div>\n                                    <\/div>\n                                                                        <div class=\"accordion-group\">\n                                        <div class=\"accordion-header\">\n                                            <h3>\n                                                <span class=\"icons\"><span class=\"icon all\"><\/span>&nbsp;+&nbsp;<span class=\"icon icon2 reclamations\"><\/span><\/span>\n                                                <span class=\"title\"><a href=\"#\">Ma police d\u2019assurance couvre-t-elle les sinistres caus\u00e9s par des \u00ab forces majeures \u00bb ou des catastrophes naturelles?<\/a><\/span>\n                                                <span class=\"toggler\">\n                                                    <span class=\"toggler-closed\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28.455\" height=\"28.455\" viewBox=\"0 0 28.455 28.455\"><path data-name=\"Icon ionic-ios-arrow-dropright-circle\" d=\"M3.375,17.6A14.227,14.227,0,1,0,17.6,3.375,14.225,14.225,0,0,0,3.375,17.6Zm16.724,0-5.6-5.547a1.32,1.32,0,0,1,1.867-1.867l6.525,6.546a1.319,1.319,0,0,1,.041,1.819L16.5,25a1.318,1.318,0,1,1-1.867-1.86Z\" transform=\"translate(31.83 -3.375) rotate(90)\" fill=\"#97aec6\"><\/path><\/svg>\n                                                    <\/span>\n                                                    <span class=\"toggler-opened\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28\" height=\"28\" viewBox=\"0 0 28 28\"><g data-name=\"Groupe 466\" transform=\"translate(-1670 -1136.224)\"><circle data-name=\"Ellipse 8\" cx=\"14\" cy=\"14\" r=\"14\" transform=\"translate(1670 1136.224)\" fill=\"#004e9c\"><\/circle><path data-name=\"Trac\u00e9 521\" d=\"M16.715-78.4a.991.991,0,0,1,.3.727.892.892,0,0,1-.276.652.892.892,0,0,1-.652.276.976.976,0,0,1-.727-.351L11.3-81.731,7.26-77.091a.976.976,0,0,1-.727.351.933.933,0,0,1-.665-.276.9.9,0,0,1-.288-.677,1.02,1.02,0,0,1,.3-.7l4.163-4.69L6.057-87.625a1.084,1.084,0,0,1-.3-.7A.9.9,0,0,1,6.044-89a.906.906,0,0,1,.64-.276.976.976,0,0,1,.727.351L11.3-84.465l3.887-4.464a.976.976,0,0,1,.727-.351.892.892,0,0,1,.652.276.892.892,0,0,1,.276.652.991.991,0,0,1-.3.727l-3.988,4.539Z\" transform=\"translate(1672.702 1233.234)\" fill=\"#fff\"><\/path><\/g><\/svg>\n                                                    <\/span>\n                                                <\/span>\n                                            <\/h3>\n                                        <\/div>\n                                        <div class=\"accordion-content\">\n                                            <p class=\"p1\">Les polices d\u2019assurance habitation ne couvrent pas n\u00e9cessairement les sinistres caus\u00e9s par des forces majeures et des catastrophes naturelles. Les sinistres attribuables aux tremblements de terre et aux inondations ne seront couverts que si la police le pr\u00e9voit sp\u00e9cifiquement.<\/p>                                        <\/div>\n                                    <\/div>\n                                                                        <div class=\"accordion-group\">\n                                        <div class=\"accordion-header\">\n                                            <h3>\n                                                <span class=\"icons\"><span class=\"icon all\"><\/span>&nbsp;+&nbsp;<span class=\"icon icon2 reclamations\"><\/span><\/span>\n                                                <span class=\"title\"><a href=\"#\">J\u2019ai subi un d\u00e9g\u00e2t d\u2019eau.  Suis-je couvert?<\/a><\/span>\n                                                <span class=\"toggler\">\n                                                    <span class=\"toggler-closed\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28.455\" height=\"28.455\" viewBox=\"0 0 28.455 28.455\"><path data-name=\"Icon ionic-ios-arrow-dropright-circle\" d=\"M3.375,17.6A14.227,14.227,0,1,0,17.6,3.375,14.225,14.225,0,0,0,3.375,17.6Zm16.724,0-5.6-5.547a1.32,1.32,0,0,1,1.867-1.867l6.525,6.546a1.319,1.319,0,0,1,.041,1.819L16.5,25a1.318,1.318,0,1,1-1.867-1.86Z\" transform=\"translate(31.83 -3.375) rotate(90)\" fill=\"#97aec6\"><\/path><\/svg>\n                                                    <\/span>\n                                                    <span class=\"toggler-opened\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28\" height=\"28\" viewBox=\"0 0 28 28\"><g data-name=\"Groupe 466\" transform=\"translate(-1670 -1136.224)\"><circle data-name=\"Ellipse 8\" cx=\"14\" cy=\"14\" r=\"14\" transform=\"translate(1670 1136.224)\" fill=\"#004e9c\"><\/circle><path data-name=\"Trac\u00e9 521\" d=\"M16.715-78.4a.991.991,0,0,1,.3.727.892.892,0,0,1-.276.652.892.892,0,0,1-.652.276.976.976,0,0,1-.727-.351L11.3-81.731,7.26-77.091a.976.976,0,0,1-.727.351.933.933,0,0,1-.665-.276.9.9,0,0,1-.288-.677,1.02,1.02,0,0,1,.3-.7l4.163-4.69L6.057-87.625a1.084,1.084,0,0,1-.3-.7A.9.9,0,0,1,6.044-89a.906.906,0,0,1,.64-.276.976.976,0,0,1,.727.351L11.3-84.465l3.887-4.464a.976.976,0,0,1,.727-.351.892.892,0,0,1,.652.276.892.892,0,0,1,.276.652.991.991,0,0,1-.3.727l-3.988,4.539Z\" transform=\"translate(1672.702 1233.234)\" fill=\"#fff\"><\/path><\/g><\/svg>\n                                                    <\/span>\n                                                <\/span>\n                                            <\/h3>\n                                        <\/div>\n                                        <div class=\"accordion-content\">\n                                            <p class=\"p1\">En cas de d\u00e9g\u00e2t d\u2019eau, il est tr\u00e8s important de d\u00e9terminer et de comprendre ce qui l\u2019a caus\u00e9. Si le d\u00e9g\u00e2t est attribuable \u00e0 un tuyau qui fuit, vous n\u2019\u00eates probablement pas couvert, car l\u2019assurance habitation ne couvre que les sinistres soudains et accidentels. Les fuites qui se produisent de fa\u00e7on continue ne sont tout simplement pas couvertes par les polices d\u2019assurance habitation. En cas de doute, vous devriez communiquer avec une entreprise locale, sp\u00e9cialis\u00e9e en restauration de b\u00e2timents pour obtenir une \u00e9valuation. Ces experts pourront vous aider \u00e0 faire face \u00e0 la situation et \u00e0 att\u00e9nuer tout dommage suppl\u00e9mentaire, et ils vous renseigneront au sujet de la cause initiale du d\u00e9g\u00e2t.<\/p>                                        <\/div>\n                                    <\/div>\n                                                                        <div class=\"accordion-group\">\n                                        <div class=\"accordion-header\">\n                                            <h3>\n                                                <span class=\"icons\"><span class=\"icon all\"><\/span>&nbsp;+&nbsp;<span class=\"icon icon2 reclamations\"><\/span><\/span>\n                                                <span class=\"title\"><a href=\"#\">Dans quelle mesure une r\u00e9clamation se r\u00e9percutera-t-elle sur ma prime d\u2019assurance?<\/a><\/span>\n                                                <span class=\"toggler\">\n                                                    <span class=\"toggler-closed\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28.455\" height=\"28.455\" viewBox=\"0 0 28.455 28.455\"><path data-name=\"Icon ionic-ios-arrow-dropright-circle\" d=\"M3.375,17.6A14.227,14.227,0,1,0,17.6,3.375,14.225,14.225,0,0,0,3.375,17.6Zm16.724,0-5.6-5.547a1.32,1.32,0,0,1,1.867-1.867l6.525,6.546a1.319,1.319,0,0,1,.041,1.819L16.5,25a1.318,1.318,0,1,1-1.867-1.86Z\" transform=\"translate(31.83 -3.375) rotate(90)\" fill=\"#97aec6\"><\/path><\/svg>\n                                                    <\/span>\n                                                    <span class=\"toggler-opened\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28\" height=\"28\" viewBox=\"0 0 28 28\"><g data-name=\"Groupe 466\" transform=\"translate(-1670 -1136.224)\"><circle data-name=\"Ellipse 8\" cx=\"14\" cy=\"14\" r=\"14\" transform=\"translate(1670 1136.224)\" fill=\"#004e9c\"><\/circle><path data-name=\"Trac\u00e9 521\" d=\"M16.715-78.4a.991.991,0,0,1,.3.727.892.892,0,0,1-.276.652.892.892,0,0,1-.652.276.976.976,0,0,1-.727-.351L11.3-81.731,7.26-77.091a.976.976,0,0,1-.727.351.933.933,0,0,1-.665-.276.9.9,0,0,1-.288-.677,1.02,1.02,0,0,1,.3-.7l4.163-4.69L6.057-87.625a1.084,1.084,0,0,1-.3-.7A.9.9,0,0,1,6.044-89a.906.906,0,0,1,.64-.276.976.976,0,0,1,.727.351L11.3-84.465l3.887-4.464a.976.976,0,0,1,.727-.351.892.892,0,0,1,.652.276.892.892,0,0,1,.276.652.991.991,0,0,1-.3.727l-3.988,4.539Z\" transform=\"translate(1672.702 1233.234)\" fill=\"#fff\"><\/path><\/g><\/svg>\n                                                    <\/span>\n                                                <\/span>\n                                            <\/h3>\n                                        <\/div>\n                                        <div class=\"accordion-content\">\n                                            <span style=\"font-weight: 400;\">Toute r\u00e9clamation, peu importe l\u2019ampleur du sinistre, aura une incidence sur le montant de votre prime d\u2019assurance. Vous pourriez en effet perdre le rabais pour absence de r\u00e9clamation \u00e0 votre dossier auquel vous avez droit qui, dans certains cas, pourrait varier de 10 % \u00e0 25 %. Certaines compagnies d\u2019assurance offrent une protection qui pardonne votre premi\u00e8re r\u00e9clamation et n\u2019en tiennent pas compte pour la suite des choses.<\/span>                                        <\/div>\n                                    <\/div>\n                                                                        <div class=\"accordion-group\">\n                                        <div class=\"accordion-header\">\n                                            <h3>\n                                                <span class=\"icons\"><span class=\"icon all\"><\/span>&nbsp;+&nbsp;<span class=\"icon icon2 reclamations\"><\/span><\/span>\n                                                <span class=\"title\"><a href=\"#\">Que se passe-t-il si je pr\u00e9sente plusieurs r\u00e9clamations?<\/a><\/span>\n                                                <span class=\"toggler\">\n                                                    <span class=\"toggler-closed\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28.455\" height=\"28.455\" viewBox=\"0 0 28.455 28.455\"><path data-name=\"Icon ionic-ios-arrow-dropright-circle\" d=\"M3.375,17.6A14.227,14.227,0,1,0,17.6,3.375,14.225,14.225,0,0,0,3.375,17.6Zm16.724,0-5.6-5.547a1.32,1.32,0,0,1,1.867-1.867l6.525,6.546a1.319,1.319,0,0,1,.041,1.819L16.5,25a1.318,1.318,0,1,1-1.867-1.86Z\" transform=\"translate(31.83 -3.375) rotate(90)\" fill=\"#97aec6\"><\/path><\/svg>\n                                                    <\/span>\n                                                    <span class=\"toggler-opened\">\n                                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28\" height=\"28\" viewBox=\"0 0 28 28\"><g data-name=\"Groupe 466\" transform=\"translate(-1670 -1136.224)\"><circle data-name=\"Ellipse 8\" cx=\"14\" cy=\"14\" r=\"14\" transform=\"translate(1670 1136.224)\" fill=\"#004e9c\"><\/circle><path data-name=\"Trac\u00e9 521\" d=\"M16.715-78.4a.991.991,0,0,1,.3.727.892.892,0,0,1-.276.652.892.892,0,0,1-.652.276.976.976,0,0,1-.727-.351L11.3-81.731,7.26-77.091a.976.976,0,0,1-.727.351.933.933,0,0,1-.665-.276.9.9,0,0,1-.288-.677,1.02,1.02,0,0,1,.3-.7l4.163-4.69L6.057-87.625a1.084,1.084,0,0,1-.3-.7A.9.9,0,0,1,6.044-89a.906.906,0,0,1,.64-.276.976.976,0,0,1,.727.351L11.3-84.465l3.887-4.464a.976.976,0,0,1,.727-.351.892.892,0,0,1,.652.276.892.892,0,0,1,.276.652.991.991,0,0,1-.3.727l-3.988,4.539Z\" transform=\"translate(1672.702 1233.234)\" fill=\"#fff\"><\/path><\/g><\/svg>\n                                                    <\/span>\n                                                <\/span>\n                                            <\/h3>\n                                        <\/div>\n                                        <div class=\"accordion-content\">\n                                            <span style=\"font-weight: 400;\">Si vous pr\u00e9sentez une ou deux r\u00e9clamations au titre de votre assurance habitation durant une p\u00e9riode de cinq ans, votre prime s\u2019en ressentira. Si vous pr\u00e9sentez plus de deux r\u00e9clamations durant une p\u00e9riode de cinq ans, vous pourriez m\u00eame avoir de la difficult\u00e9 \u00e0 obtenir une assurance habitation. Il est donc important d\u2019\u00e9valuer la situation et de d\u00e9terminer si vous devriez pr\u00e9senter ou non une r\u00e9clamation.<\/span>                                        <\/div>\n                                    <\/div>\n                                                                <\/div>\n                        <\/div>\n                                                <div id=\"tab4\" class=\"tab\">\n\n                            <div class=\"accordion\">\n                                                            <\/div>\n                        <\/div>\n                                    <\/div>\n        <\/div>\n\n        <script>\n        jQuery(document).ready(function() {\n            jQuery(\".faq_tabs .tab-links li a, .faq_tabs .accordion-header a\").on('click', function (e){\n                e.preventDefault();\n            });\n            jQuery('.faq_tabs .tab-links li').on('click', function(e) {\n                e.preventDefault();\n                var currentAttrValue = jQuery(this).data('tab_content');\n                jQuery('.faq_tabs ' + currentAttrValue).show().siblings().hide();\n                jQuery(this).addClass('active').siblings().removeClass('active');\n            });\n            jQuery('.faq_tabs .accordion-header').on('click', function() {\n                jQuery(this).addClass('active').siblings().removeClass('active');\n                jQuery('.faq_tabs .accordion-header').removeClass('active');\n                jQuery(this).addClass('active');\n                jQuery('.faq_tabs .accordion-content').not(jQuery(this).next()).slideUp();\n                jQuery(this).next('.faq_tabs .accordion-content').slideToggle();\n            });\n        });\n        <\/script>\n\n        <\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Vous avez des questions sur l\u2019assurance? Laissez-nous le soin de vous r\u00e9pondre.<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":2391,"menu_order":3,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"_acf_changed":false,"_seopress_robots_primary_cat":"","_seopress_titles_title":"FAQ | Qu\u00e9bec | Inova Courtier d&#039;Assurances Inc.","_seopress_titles_desc":"","_seopress_robots_index":"","site-sidebar-layout":"no-sidebar","site-content-layout":"page-builder","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-2411","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.inovainc.ca\/fr\/wp-json\/wp\/v2\/pages\/2411","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.inovainc.ca\/fr\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.inovainc.ca\/fr\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.inovainc.ca\/fr\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.inovainc.ca\/fr\/wp-json\/wp\/v2\/comments?post=2411"}],"version-history":[{"count":3,"href":"https:\/\/www.inovainc.ca\/fr\/wp-json\/wp\/v2\/pages\/2411\/revisions"}],"predecessor-version":[{"id":15171,"href":"https:\/\/www.inovainc.ca\/fr\/wp-json\/wp\/v2\/pages\/2411\/revisions\/15171"}],"up":[{"embeddable":true,"href":"https:\/\/www.inovainc.ca\/fr\/wp-json\/wp\/v2\/pages\/2391"}],"wp:attachment":[{"href":"https:\/\/www.inovainc.ca\/fr\/wp-json\/wp\/v2\/media?parent=2411"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}