L’Unique Assurances Generales Insurance, Car Insurance Review

  • L’Unique Assurances Generales Insurance

L’Unique Assurances Generales Insurance Company Overview

If you are looking to get a French insurance company, you may definitely want to take a look at what this company has to offer. This company is an insurance broker, which has over 350 brokers who are waiting to serve you and your insurance needs. The company offers insurance for homes, automobiles, commercial and more. Rather than doing its business online, the company has several locations throughout Quebec in order to give their customers a person to person experience that is not as common in the insurance industry anymore. The company did pretty well in terms of turning a profit for itself in 2015. In fact, L’Unique Assurances Generales Insurance Company ranked 45th among all insurance companies in the country in terms of profit, with a total profit of $7,869,000.

Products Offered by L’Unique Assurances Generales Insurance

One of the best ways to determine if you want to get insurance with a particular company is to see if they actually have the coverage that you are looking for. Many companies only specialize in certain aspects of the insurance industry. It is important to do your research to make sure that you have the coverage for the dollar amount that you desire as it can make a huge difference to your life later on. If you are looking for something specific and want to see if L’Unique Assurances Generales has what you are looking for, here are some of the products that they currently offer:

Auto Insurance:

Home Insurance:

  • Home owner
  • Condominium
  • Seasonal home
  • Tenant
  • Property damage
  • Theft
  • Natural disaster (earthquake, tornado, lightning etc.)

Commercial Insurance:

  • Multi-business coverage
  • Contractor
  • Retailer
  • Garage business
  • Hairstyling and beauty
  • Property Insurance
  • Equipment breakdown
  • Operating losses
  • Crime Insurance
  • Civil liability coverage

L’Unique Assurances Car Insurance Review

In order to be able to decide if you want to get insurance through L’Unique Assurances Generales Insurance Company, you may want to know how they are doing in terms of business. The company doesn’t operate out of many provinces, which is why it isn’t among the top in the industry. However, the company was still able to make a pretty good profit considering the amount of money they collected in premiums. The total written auto premium collected for L’Unique Assurances Generales Insurance Company in 2015 was $82,839,000. This is no small feat in a market like Quebec where there is quite a large population of Canadians and insurance companies fighting for their money. The company definitely made enough to say that it should be fairly safe getting an insurance policy with them, which is always good for your own peace of mind.

L’Unique Assurances Car Insurance Products:

Premium Discounts:

One big benefit of getting insurance with L’Unique Assurances Generales Insurance Company is that they do have a broad range of discounts that you can get. The company is actually one of the few to offer family discounts as they offer savings for each child in a family that is under the age of 13. The company also has some pretty big discounts for insuring both your home and automobile in a bundle with them if that is something you are interested in. Finally, the company has an amazing policy where if you sign up for a two-year term with them, your premium is guaranteed not to rise for the entire term length of your contract.

Extended Coverage:

The extended coverage package option that L’Unique Assurances Generales Insurance Company offers is truly capable of giving you peace of mind. With this plan, you don’t have to pay deductibles in the event of a hit and run, a total loss of your vehicle or if your vehicle is stolen. If your car is in the shop for quite some time taking on repairs, you also don’t have to worry if you have this extended coverage package. The coverage will reimburse you for the cost of renting a vehicle for the whole duration of your car being fixed. In addition, with the extended coverage, you also get $50,000 insurance coverage for when you are renting or borrowing a vehicle. Definitely a package you might want to consider as it could potentially save your wallet from taking a very big hit.

Roadside Assistance program:

L’Unique Assurances Generales Insurance Company is one of the few companies that offer a roadside assistance program. Even if you like to do some traveling to the United States, you should be able to have peace of mind with this roadside assistance package. The company offers full service in both Canada as well as the United States other than in the Alaska State. In the event you get stuck on the side of the road the company will assist with things like battery boosting, unlocking your doors, towing your vehicle, giving you some gas and other road services. If you are in the middle of nowhere, you don’t have to worry ever again so long as you pick up this roadside assistance package. The best part is, the company doesn’t care who is driving your vehicle at the time a problem occurs, they will help whoever is driving, regardless of the situation.

Total Sales/ ranking by Province:

In order to be able to get the total written auto premium for the company all the business done in each of Canada’s provinces has to be added or subtracted. In the case of L’Unique Assurances Generales Insurance Company, they had all of their business come out of Quebec and they lost some out of British Columbia. Here is a table showing how the company ranked in terms of how much direct written premium they made in 2015 when compared to the top 30 insurance companies in each province:

Province:Direct Written Premiums 2015Ranking on Top 30
NewfoundlandN/AN/A
Prince Edward IslandN/AN/A
Nova ScotiaN/AN/A
New BrunswickN/AN/A
Quebec82,925,0009
OntarioN/AN/A
ManitobaN/AN/A
SaskatchewanN/AN/A
AlbertaN/AN/A
British Columbia–86,000N/A
Yukon TerritoryN/AN/A
Northwest TerritoriesN/AN/A
NunavutN/AN/A

Resources:

https://www.lunique.qc.ca/products/auto-insurance

https://www.lunique.qc.ca/products/home-insurance

https://www.lunique.qc.ca/products/commercial-insurance

https://www.lunique.qc.ca/about-us