Help & Support - Auto Insurance

Insurance rates are set on a simple concept; the higher the risk we take in possibly having to reimburse you for an insured loss, the higher we calculate your premium.

We calculate the rate for your vehicle by looking at several factors, including:

• What kind of vehicle you drive
• Where you drive your vehicle
• How much you drive your vehicle
• Your driving record and claims history
• Your driving experience
• The amount and kind of coverage you have purchased from us
• The deductible you have chosen

Premium rate calculations are also influenced by changes in government regulations and taxes. Also, the costs of court awards, towing fees, repair costs and insurance fraud all have an impact on how premiums are determined.

Home insurance companies will use many factors to calculate your premium. Some of these factors include:

• The price of the home
• The age and condition of the home
• The cost to rebuild the home
• The home's location
• The value of the contents and property within your home
• The deductible amount you’ll need to pay to make a claim
• Your credit history (for some provinces)
• Any discounts you could be eligible for

Talk with an insurance agent to see what discounts you might be eligible for and get a home insurance quote today!

There are some responsibilities involved in having insurance coverage including:

• Being completely honest in your application (if you aren't, it can void your insurance coverage)
• Knowing your obligations under your policy (it's best to discuss this with your Service Specialist before you ever need to make a claim, so you avoid any surprises)
• Paying the premiums (if you don't, your coverage can be cancelled, with notice)
• Notifying your insurer of any changes (like a new vehicle, additional drivers, change of location, modifications to the vehicle, criminal code convictions, accidents, medical conditions that could affect driving safety)
• Preventing or reducing the chance of further damage, keeping in mind that safety comes first
• Notifying us as soon as possible when making a claim

You need to have a copy of your policy to refer to. It's a good idea to ask your Specialist about your responsibilities too.

Just call 1.833.223.8743. Our claims service is available 24/7 every day of the year.

The option to purchase $2 million in Third Party Liability Coverage is an excellent choice available to protect you and your family against the cost of damages you may be liable for. For instance, if you are covered for $1 million liability, and if there is a settlement against you for more than $1 million, your insurance will only cover $1 million of the settlement - you'll be responsible for any additional amount.

If you were at fault in the accident, you will be personally responsible for the damage to your vehicle. This also applies if you are in an accident and don’t know who hit you.

In Alberta, Ontario, Newfoundland and Labrador, Nova Scotia, New Brunswick and Prince Edward Island you can claim from your own insurer, as long as you weren't at fault.*

*Not applicable in Quebec. Please contact us at 1.833.223.8743 if you have questions about making a claim in Quebec.

We understand it's hard to know if you're getting the best price. This is because premiums don't tell the whole story and coverages can differ significantly. While it's tempting to compare quotes and take the lowest price, make sure that the coverages meet your needs and remember the least expensive insurance may not give you the best value. Service and variations in coverages can make a big difference.

Yes, we do. You can ask your Service Specialist or Claims Adjuster for a referral.