HOLIDAY BREAK: The ChAD offices will be closed from December 25, 2023 to January 2, 2024.

Emergency assistance for technical issues related to the ChAD Portal (including ÉduChAD) will be available on December 27, 28 and 29 and January 2, 2024 from 8 a.m. to 4:30 p.m.

During this period, you can contact SVI Solutions at 1-866-843-4848 #1 or for the following problems:

  • Problem logging in to the ChAD Portal (which includes ÉduChAD).
  • Technical problem viewing and completing a training course.

To know more (in french only).


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Table comparing endorsement Q.E.F. No. 43 to Q.P.F. No. 5

The basic rule in damage insurance is to pay compensation based on the value of the property on the day the loss occurred. However, there are certain types of coverage that protect against depreciation.

In automobile insurance, the replacement cost endorsement (Q.E.F. no. 43) and replacement insurance (Q.P.F. no. 5) are two products that protect the insured against vehicle depreciation in the event of a total or partial loss.

Although these two products have certain similarities, it is important for damage insurance professionals to be aware of and understand the differences between them, in order to explain their advantages and disadvantages to their clients and help them make an informed decision on the product that best suits their needs.

The table comparing endorsement Q.E.F. no. 43 and Q.P.F. no. 5 explains the main differences between these two types of coverage for new vehicles.

For further information, please read the document below.