We know Canadians have questions about how the pandemic may impact or change their Auto and Home insurance coverage
I am unable to make my regular payment due to the pandemic. What are my options?
We recognize that these are difficult times and our clients may need more time to pay their premiums due to the disruption of their daily lives. If you have encountered financial difficulty, we encourage you to call us to discuss flexible options that may be available to ease financial pressure, including skipping a payment, extending payment grace periods, and waiving NSF fees.
How can I reduce my Auto insurance premium? Because of the pandemic, I’m not driving my car as much and am no longer commuting to work.
We are now offering a Reduced Driving Refund for Auto insurance premiums. We recognize that Canadians are using their vehicles less, have significantly changed their commuting habits and are using their vehicle for essential trips only as we follow physical distancing recommendations to reduce the spread of COVID-19.
Who qualifies for the Reduced Driving Refund?
The refund is available to all essential service workers as well as those who have modified their driving habits throughout the COVID-19 crisis. It will apply to personal vehicles for the months of April and May 2020. Policies must be active on May 31, 2020 to qualify.
How do I register for the Reduced Driving Refund?
You can register by following these 3 easy steps:
What information do I need to register for my Reduced Driving Refund?
- Access the Reduced Driving Refund Form here
- Complete the form accurately and in its entirety
- Click register and you’re done! An email confirmation will be sent that you’ve registered.
We understand that your time is precious. The online form submission is housed on a secure portal, allowing us to more quickly confirm your identity and to streamline the overall refund process (e.g., removing the need to call and repeat the client-authentication process).
Here’s what you’ll need for quick and easy registration:
How much will my refund be and when will I get it?
- Policy number – located on your pink slips or policy documents
- Policy address – the insured address as stated on your policy documents
- Name, phone number and email – so we can easily confirm your information or contact you if needed
We’ve committed to offering clients a minimum 10% refund on their April and May Auto insurance premiums – applicable to personal vehicles used for commuting, pleasure and business use. And, if Auto clients continue to drive less and claims continue to decrease, an even larger refund may apply. We think it’s only fair to share the benefit of reduced claims with you.
The cut-off date to register for the Reduced Driving Refund is August 31, 2020. We will begin issuing refunds in early July – and into September 2020, as more clients register for the refund. Regardless of when you apply during the April to August 31 registration period, your refund amount will not change.
If I change my coverage, will I still qualify for the Reduced Driving Refund?
Yes, the refund will still apply to your qualifying vehicles. Keep in mind that the refund applies to premiums due for the months of April and May; therefore, it will be a percentage of the amount that you paid during these two months and will reflect the decrease in premium.
I want to park or store my vehicle to reduce my auto insurance costs, will that reduce my premium?
Yes. If clients want to park or store their vehicle and not use it for the duration of the pandemic, we can suspend select coverage to help reduce premiums, where possible.
I just received my renewal and my premium went up, what can you do to help me with the challenges I’m facing with COVID- 19?
If you recently received a renewal notice with a premium increase, you can contact a Licensed Insurance Representative to discuss your individual situation further.
Will you provide coverage to restaurants that deliver food during the pandemic?
We know that during this time, restaurants have been ordered to close dining rooms and are advised to only open for takeout and delivery. As a result, we encourage affected policy holders who are delivering food for their restaurant to contact us to discuss the coverage options available. This coverage would not apply if deliveries are made via third party apps and services like UberEats, Skip the Dishes and Instacart.
Can I use my own vehicle to deliver meals, groceries or prescription drugs during the pandemic?
If you’re volunteering or helping a neighbour by delivering takeout meals, groceries or prescriptions your policy provides coverage for this. If you’re making food deliveries as the owner or employee of a restaurant, please contact us to review your coverage options.
What about my cottage or seasonal property that I can’t get to during the State of Emergency?
We’re looking for ways to provide extra support for our clients during this difficult time. We’ve made changes to help seasonal property owners facing travel or social distancing restrictions. Rest assured that your cottage or seasonal property is not vacant, but rather is considered unoccupied because you intend to return. We’ve removed some of the conditions that apply to coverage for freezing. If your cottage or seasonal property will be unoccupied for five or more consecutive days, you only need to make sure the heat remains on during the normal heating season or that your water is shut off and the pipes have been drained. It is not necessary to have someone check on your property daily.
I have an active claim, what can you do to make this easier for me?
You can file a claim by phone at 1-877-682-5246. We’re focused on removing as many barriers as we can to ensure that claims are settled seamlessly. For example, we provide an eTransfer option through our claims process, leveraging electronic payments so that our clients can receive payments quickly and easily.