Équipe Martin Philippe | Royal Protection

Royal Protection is:

• An insurance program offered at no additional cost by your participating Royal LePage broker.
• Coverage for the repair of hidden defects and reimbursement of unexpected expenses related to delays or transaction cancellations, as well as special condominium assessments.
• Coverage for legal procedures¹ related to the discovery of a hidden defect.
• A free legal assistance service² to obtain legal advice during your real estate transaction.
• A sense of security and peace of mind when buying or selling your property.
• The most comprehensive residential protection program in the industry.

Find your participating Royal LePage broker today!

Hidden Defects

This coverage provides for the repair of hidden defects. The maximum coverage for repairs is $15,000 for sellers and $5,000 for buyers.

What is a hidden defect?

A hidden defect is defined as a defect that renders the property unfit for its intended use, that could not have been detected by a proper inspection carried out by a building inspector, and that was unknown to the parties prior to the date of the deed of sale. The defect must be sufficiently serious such that, had the buyer been aware of it, they would not have purchased the property or would have paid a lower price.³

Delays and Cancellations

This coverage includes reimbursement of additional expenses caused by delays beyond the client’s control in completing the transaction or by the cancellation by either the seller or the buyer, up to a maximum of $15,000.

Special Condominium Assessments

This coverage includes special assessments declared by a condominium association during the transaction period, up to a maximum of $15,000.

Royal Protection and Neolegal join forces to offer you more!

Legal Assistance

Royal Protection, in partnership with Neolegal, provides you with a free legal assistance service². Whether it involves a dispute with a neighbour or issues related to a hidden defect, this service allows you to better understand your rights and take the appropriate legal steps.

In addition, no travel is required thanks to a fully online service solution.

Legal services offered by Neolegal may include¹:

• Legal support and assistance;
• Drafting of notices of defect and formal demand letters;
• Out-of-court negotiation;
• Preparation for pleadings before the Québec Small Claims Court.

About Neolegal, Legal Firm

Neolegal is the first online legal platform operating across Québec. Since 2017, Neolegal has been providing legal services in a simple and efficient manner through the intelligent use of technology.

Would you like to learn more?

Contact your participating broker today for more information.

For any questions, please contact the program administrator:

The insurance policy is not available to all buyers and sellers, and certain types of properties are not eligible. Please contact a participating Royal LePage broker to determine whether you qualify for the program.

*Applicable deductibles of $1,500 for Coverage A and $250 for Coverages B and C. The information contained in this brochure is provided for information purposes only and represents a summary of the coverages offered. For full details regarding conditions, definitions, limitations, exclusions, and extensions of coverage, please refer to the general terms and conditions of the insurance policy.

¹ Legal procedures are part of the services offered by Neolegal, excluding court representation. Services are available starting from the fulfillment of the conditions of a promise to purchase and for 365 days following the date of signing of the notarized deed.

² Legal assistance service by telephone available to clients of participating Royal LePage brokers starting from the fulfillment of the conditions of a promise to purchase and for 365 days following the date of signing of the notarized deed.

³ Hidden defects are defined in the policy. Coverage applies to repairs related to the building envelope.

The Royal Protection program is underwritten by La Souveraine, General Insurance Company, and Octave Assurances Inc. acts as the program administrator and broker. Royal Protection is marketed under an agreement between Octave Assurances Inc. and Royal LePage Real Estate Services.

The real estate broker is not an insurance agent or broker and is not authorized to answer specific questions, provide advice, or interpret the coverage or applicability of the program and/or insurance policy. The program is offered to Québec residents only.