IMPORTANT: Update to the ChAD Portal and ÉduChAD

Improvements are underway! Our systems will be unavailable from September 19 to 22, 2025, inclusive, due to scheduled maintenance.

We invite you to plan your activities accordingly.

Thank you for your understanding.

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Policy renewals

​​​​​​​​​​​​Upon renewing an insurance policy, damage insurance agents and brokers must comply with certain obligations. Under these obligations, a representative must ascertain that the coverage provided for meets the client’s needs. Over the course of one year, these needs may change. Representatives should therefore: 

  • Consider renewals with the same diligence as they do for new policies. This includes: 
    • Reviewing the needs of the insured and re-examining them; 
    • Validating the actual coverage and advising the client; 
    • Reviewing the renewal issued and the payment method 
  • Refer to the Procedure​ made available by the Chambre de l’assurance de dommages (ChAD) to make sure that nothing is being overlooked. 
  • Contact the insured verbally or in writing. When communicating in writing, we encourage representatives to use one of the ChAD’s Check-Lists for the Insureds.