{"id":2868,"date":"2023-02-28T18:04:00","date_gmt":"2023-02-28T23:04:00","guid":{"rendered":"https:\/\/test-vez.catalyseweb.com\/?p=2868"},"modified":"2024-05-28T09:28:47","modified_gmt":"2024-05-28T13:28:47","slug":"credit-record-and-insurance","status":"publish","type":"post","link":"https:\/\/www.groupevezina.com\/en\/credit-record-and-insurance\/","title":{"rendered":"Credit record and insurance"},"content":{"rendered":"

Credit record and claims frequency are linked<\/h4>\n

The premium is generally established based on the claims risk. A correlation does exist between an individual’s credit score and the likelihood he or she will file a claim. Studies have shown that, if the credit score is low, the probability of an occurrence and thus of filing a claim is higher. The reverse is also true.<\/p>\n

Your financial discipline reflects your ability to maintain your property<\/h4>\n

Your credit record reflects your payment history as well as your financial discipline. Have you always paid your bills on time?<\/p>\n

This information is a reliable indicator of your ability to maintain and renovate your property. Both are key factors in preventing material losses and, consequently, claims.<\/p>\n

Low income = poor credit score?<\/h4>\n

Not at all. Never confuse low income with poor credit score. Are you in a low-income bracket? You may have an exemplary credit score even if your income is low. Conversely, a more affluent consumer may have a lower credit score.<\/p>\n

To learn more, download the Insurance Bureau of Canada’s brochure All about credit information and insurance<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"

Credit record and claims frequency are linked The premium is generally established based on the claims risk. A correlation does exist between an individual’s credit score and the likelihood he or she will file a claim. Studies have shown that, if the credit score is low, the probability of an occurrence and thus of filing […]<\/p>\n","protected":false},"author":18,"featured_media":9062,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_seopress_robots_primary_cat":"","_seopress_titles_title":"","_seopress_titles_desc":"","_seopress_robots_index":"","site-sidebar-layout":"default","site-content-layout":"","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":"","ast-breadcrumbs-content":"","ast-featured-img":"","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":""},"categories":[5],"tags":[],"class_list":["post-2868","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-property-insurance"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.groupevezina.com\/en\/wp-json\/wp\/v2\/posts\/2868","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.groupevezina.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.groupevezina.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.groupevezina.com\/en\/wp-json\/wp\/v2\/users\/18"}],"replies":[{"embeddable":true,"href":"https:\/\/www.groupevezina.com\/en\/wp-json\/wp\/v2\/comments?post=2868"}],"version-history":[{"count":1,"href":"https:\/\/www.groupevezina.com\/en\/wp-json\/wp\/v2\/posts\/2868\/revisions"}],"predecessor-version":[{"id":18755,"href":"https:\/\/www.groupevezina.com\/en\/wp-json\/wp\/v2\/posts\/2868\/revisions\/18755"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.groupevezina.com\/en\/wp-json\/wp\/v2\/media\/9062"}],"wp:attachment":[{"href":"https:\/\/www.groupevezina.com\/en\/wp-json\/wp\/v2\/media?parent=2868"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.groupevezina.com\/en\/wp-json\/wp\/v2\/categories?post=2868"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.groupevezina.com\/en\/wp-json\/wp\/v2\/tags?post=2868"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}