{"id":1778,"date":"2012-11-12T17:25:07","date_gmt":"2012-11-12T17:25:07","guid":{"rendered":"https:\/\/www.virtulexavocats.com\/protection-regime\/"},"modified":"2026-09-27T07:14:16","modified_gmt":"2026-09-27T11:14:16","slug":"protection-regime","status":"publish","type":"post","link":"https:\/\/www.virtulexavocats.com\/en\/protection-regime\/","title":{"rendered":"Protection regime"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">When you contract insurance, you discuss with the insurer or the broker about the risks for which you require to be covered. If you subscribe to the insurance contract, the insurer will send you a document called the insurance policy. If what you previously agreed doesn\u2019t match with the policy, the insurance contract will remain valid, but the differences can be null.<\/p>\n\n<p class=\"wp-block-paragraph\">Thereby, when there are discrepancies between the policy issued and the actual needs disclosed by the client, the insurer shall have specifically brought them to the attention of the insured in a separate writing.<\/p>\n\n<p class=\"wp-block-paragraph\">Similarly, definitions, exclusions and limitations contained in the policy issued by the company, cannot be such that they would have the effect of reducing substantially the coverage actually desired by the insured. The intention of the parties when they contracted will be decisive.<\/p>\n\n<p class=\"wp-block-paragraph\"><p>To learn more about your rights and learn more about the obligations of the insurers, <a href=\"https:\/\/www.virtulexavocats.com\/en\/contact\/\">contact us!<\/a><\/p><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"vx-auteur wp-block-paragraph\"><em>Written by <a href=\"https:\/\/www.virtulexavocats.com\/en\/maitre-william-desrochers\/\">William Desrochers<\/a>, a civil and family litigation lawyer at Virtulex Lawyers in Gatineau, instructor at the \u00c9cole du Barreau du Qu\u00e9bec, accredited family mediator and accredited small claims mediator.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>When you contract insurance, you discuss with the insurer or the broker about the risks for which you require to be covered. <\/p>\n","protected":false},"author":3,"featured_media":1776,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"off","_et_pb_old_content":"","_et_gb_content_width":"","inline_featured_image":false,"footnotes":""},"categories":[17],"tags":[],"class_list":["post-1778","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.8 (Yoast SEO v28.8) - 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