Have questions about insurance ?

When you request that your policy be cancelled on the renewal date there is no penalty or additional fees.  When you request a cancellation in the middle of the policy term, there is an administration fee applied to the cancellation.

Collision and comprehensive coverages work together to cover the cost of repairing or replacing your car so that you won’t need to pay out-of-pocket expenses (except for your deductible).

Collision coverage is optional and covers the cost of repairing or replacing your car if it collides with another vehicle (or object), the ground, or an object in or on the ground (some examples are trees, road sign or guardrail).  You will be required to pay a deductible.

Comprehensive coverage is optional and covers the cost of repairing or replacing your vehicle if it’s damaged by fire, theft or attempted theft, vandalism, falling or flying objects, a natural disaster, riot or civil disturbance.

The deductible is the amount that you are responsible for paying when you have a claim. When you have a claim that is covered by your insurance policy any costs that exceed the deductible will be paid by the insurance company, up to the limits shown on your policy.

Consider bundling your car and home insurance for discounts on both policies. Increasing your deductible can also lower your insurance premium. Maintaining a good driving history with no tickets or at fault accidents makes a big difference in how much you will pay. Some insurance companies offer discounts when you allow them to monitor your driving habits through an app – good driving behaviours = lower car insurance premiums.

We do not recommend that you stop or cancel your car insurance while you are away on vacation. However, when you are away for 45 days or more, you can suspend some of the insurance coverages and save some money while you are not driving or using the vehicle.

When you are not at fault for an accident, you are usually covered for a rental car. To ensure that you always have a rental car if an accident or other damage does occur, you want to ensure that you have Loss of Use coverage on your policy (usually identified as an endorsement form #20 in the coverage section).

Your liability insurance follows you everywhere in North America. Damage to a rental car would be covered by your car policy only if you have the additional coverage Liability for Non-Owned Automobiles (listed on your car policy as endorsement #27). You can add this coverage to your policy at any time.

Yes, you can! Depending on the insurance company, the discount could be as high as 15%!

You are required to purchase certain coverages such as liability insurance (protects you if you are sued as the result of a car accident) and accident benefits (helps you recover from injuries resulting from a collision that you or a passenger is injured in a collision or passes away)  that you when you own and use a car – these are mandatory.  There are some coverages that are optional, such as collision and comprehensive.  These optional coverages pay for the cost to repair or replace the vehicle after an accident or other events such as fire, vandalism or a tree falling on your car.  If you are willing to pay to repair damage out of pocket, you are not required to purchase collision or comprehensive.

Liability insurance protects you in the event that you are sued and deemed liable for damage to property or bodily injury to a third party.

Accident benefits provide insurance benefits to help you recover in the event that you (or a passenger) are injured in a collision.  There are also benefits available for your family if you (or a passenger) passes away.

Actual cash value means that depreciation will be applied to the damaged property when estimating how much will be paid out by the insurance company. Replacement cost allows for reimbursement of the cost necessary to replace the damaged property with similar type and quality.

You can request a quote through myInova by selecting ‘Get a Quote’.

If you are shopping to replace your car, you need to select ‘Quote for a Replacement Vehicle’. If you are shopping to add a car to your policy, you will need to select ‘Quote for a New Vehicle’, regardless if the vehicle is new or used.

To ensure you are rewarded with all the savings you are entitled to, and that we have quoted the best possible price, one of our brokers will contact you to review within 1 to 2 business days.

When you request that your policy be cancelled on the renewal date there is no penalty or additional fees.  When you request a cancellation in the middle of the policy term, there is an administration fee applied to the cancellation.

Yes, you can! Depending on the insurance company, the discount could be as high as 15%!

Consider bundling your car and home insurance for discounts on both policies. Increasing your deductible can also lower your insurance premium. Consider installing a monitored burglar and/or fire alarm – most insurance companies offer good discounts for homes with security systems. Property maintenance is also very important, in particular your roof, plumbing, electrical and heating systems. Consider paying for small claims out of pocket to maintain your claims free discount and status.

If you unintentionally cause injury or property damage you could be held legally liable for the costs. Personal Liability protects your financial wellbeing from lawsuits if you are sued. Personal Liability protects you everywhere in the world. It is important to note that any liability claims arising from a car accident are covered under your car insurance policy and excluded from home insurance policies.

A real-life example of this would be a guest in your home is walking through your garage and a ladder falls on them. They suffer a broken leg and a broken arm that result in permanent injury. They decide to sue you for damages as they are no longer able to work.

All home insurance policies include liability coverage.

Own a House, Duplex/Triplex or Townhouse?  In addition to liability insurance, a homeowners policy provides protection for the building, detached structures (shed, garage), personal property and additional living expenses.

Rent your home?  In addition to liability insurance, a tenants policy provides protection for your personal property.

Own a Condo?  In addition to liability insurance, a condo policy provides protection for your personal property, improvements and betterments that you make at your own expense and loss assessment coverage.

It’s always a good idea to have someone checking on your home when you are away. You may also consider shutting off the water main.

During the regular heating season – most home policies have conditions requiring you to have someone checking on your home regularly and ensure that the water main is turned off at the source and all the pipes are drained as this will help avoid any water disasters should something unexpected happen.

This is the portion that you are responsible to pay in the event that an insured claim occurs. The insurance company pays costs over and above the deductible, subject to the policy or coverage limits.

A police report is not required most of the time. In the event of a hit and run, a theft or attempted theft, you should report the incident to the police.

As your broker, we are here to provide you advice and to assist and advocate for you during the claims process.

In most cases, your car insurance does not pay for damage or theft of your personal belongings, you need to have home insurance (homeowners, tenant or condo) for your personal belongings to be insured.

You must have collision coverage on your car policy to be covered for a Hit & Run. You should report the incident to the police within 24 hours of discovering the damage as many insurance companies require the police report when submitting a claim.

Windshield claims are generally covered under the comprehensive coverage of a car policy as the cause of the loss is usually flying objects (rocks or stones). You should contact one of the local glass/windshield repair shops in your community – they can usually handle the insurance claim for you.

Fault is determined by the insurance adjuster assigned to investigate and settle the claim. There are Fault Determination Regulations that are followed in each province.

Yes, it may impact your insurance premium. Some insurance companies offer Claims Protection coverage which forgives your first claim and treats it like it never happened. It varies depending on the insurer.

Go to the Claims page in the Help section.

We highly recommend that when possible, you pay for any small claims out of pocket. Home insurance is designed to protect your overall financial security, in particular large claims. When you make a claim, regardless of the amount, you will lose your claims free discounts and pay higher insurance premiums overall.

Acts of God and Natural Disasters are not automatically covered under a home policy. Events such as earthquake and flood must be specifically identified on the policy to be covered.

In the case of water damage, it is critical to identify and understand what caused the water damage. If it’s a leaky pipe, you’re not likely covered as home insurance covers sudden and accidental losses – leaks that occur over a period of time are simply not covered by home insurance policies. If you’re unsure, your best bet is to contact a property restoration company in your community to get an assessment. They can assist you in responding to the immediate situation, mitigating further damage and providing you with an assessment of what caused the water in the first place.

All property claims, big or small, can impact the premiums that you pay. You may lose a claims free discount, which in some cases could be 10% to 25%. Some insurance companies offer Claims Protection coverage which forgives and forgets your first home insurance claim.

When you have 1 or 2 home insurance claims in 5 years it will impact your insurance premiums. More than 2 claims in 5 years could impact your ability to get insurance. It is important to evaluate whether or not you should place a claim.

myInova is a quick and easy way to access to your insurance account online – at a time that is convenient for you 24/7!

You can also submit a question by selecting from the list of choices below:

If your inquiry is not urgent, we highly recommend you use this method over the phone lines as the response times can be longer than expected.

Requests coming through myInova will usually be completed within 2-4 business days, depending on the nature of the change to your policy. You will receive a confirmation email for the requested changes, which make the changes official.

Registering for myInova is quick and takes just a few minutes; all you need is your email address and policy number! You can use the same log in for multiple cars and home policies.

Once you’ve signed in to myInova, the information you will see there is your personalized account info with all your policies. You can :

• view your billing information such as balance;
• view your payment date/schedule;
• download and print liability slips;
• consult your policy coverage;
• display your effective and expiry dates;
• see the subject of insurance;
• show View insured drivers.

You can use myInova to make a request for a variety of changes to your insurance policy<, whether it be car or home! Things like adding/removing a vehicle or driver, and changing your address become as simple as a few clicks using myInova!

If you cannot find the category of the request you are looking for from the list within myInova, simply select ‘other’ and a text box will open for you to indicate the change you would like to make.

You can request a change of address through myInova – all you need handy is your new address, postal code, and the date you are moving in. Please note a change of address may impact the premium of your car and home policies.

Yes, changing your address can impact the price of your car insurance policy – your postal code, commuting distance, and the details of the new address are all considered when determining premium.

Simply select ‘Make A Change’ and then select ‘Change my Address’

You can request to update your commuting distance through myInova by selecting “Make A Change” and then “Other”.

With myInova, you can quickly and easily request an update to the vehicle you are insuring on your policy. Simply select ‘Make A Change’ and then select ‘Replace a Vehicle’. Make sure to have these important details of the new vehicle handy!

Simply select ‘Make A Change’ and then select ‘Add a Driver’.

Using myInova is an efficient way to add a driver to your car insurance policy – just make sure to have handy the important details like driver’s license number, licensing dates, and personal details for the new driver to make your request that much faster!

It is always best to advise us of any improvements or updates you have completed to your home, so your information remains up to date. You can choose ‘Change Coverage’ from the list of categories and a text box will appear for you to indicate what you’ve updated.

Requests coming through myInova will usually be completed within 2-4 business days, depending on the nature of the change to your policy. You will receive a confirmation email for the requested changes, which make the changes official.