FINANCING INSURANCE PREMIUMS

Our carriers offer the following payment plans for your annual insurance premium:

• 3 Pay Plan

Pay 40% of the annual premium down and 30% at the third and sixth months, including a small 3% interest charge. OR give us 1 current and 2 post dated to 2nd and 3rd month cheques ($5 per cheque financing charge).

• MONTHLY BANK PAYMENT

Pay directly out of your bank account by automatic monthly withdrawal. Two months premium are required as a down payment and then your automatic withdrawals start the following month. A 3% interest charge is included, spread throughout the year.

• CREDIT CARDS

Our carriers allows you to make your payment by Visa or Mastercard.

SPECIAL LIMITS OF INSURANCE

Many "target" or "specialty" types of items carry special limits of insurance. These limits were designed to afford enough coverage for the average policyholder. If you require more coverage in limit than what your policy affords, you can usually purchase increased limits or listed "floaters" to address this. Generally, the value of the limits vary between carriers and product packages, however, listed below are the most common items involved:

• Jewellery and Furs
• Business Property
• Coin Collections
• Stamp Collections
• Money
• Watercraft (boats)
• Bicycles
• Theft From Vehicle
• Computer Software
• Student Property
• Securities
• Outdoor Trees/Plants/Shrubs
• Garden Tractors
• Mass Evacuation

OPTIONAL COVERAGES & DISCOUNTS

To most Residential policies you can add the following Optional Coverages:

• Earthquake Damage
• Seasonal Homes
• Revenue Home
• Special Floaters (Jewellery, Furs, Cameras, etc.)
• Home Based Business (subject to specific criteria)
• Increased Limits
• Rental Income
• Business Property (Subject to Limit)
• Travel Trailers
• Small Watercraft (boats)
• Satellite Dish
• Incidental Business Liability

The following discounts may be available against your package premium:

• CLAIMS FREE DISCOUNT
• MATURE/SENIOR DISCOUNT
• INCREASED DEDUCTIBLE
• LONG TERM POLICYHOLDER
• BURGLARY/FIRE ALARM
• FIRE RESISTIVE (tenant pkg)
• MORTGAGE FREE

Please access one of the following links for information
regarding other forms of insurance & services:

Home, Tenant, Condo | Mobile Home | Course of Construction | Home Based Business
Commercial | Trailer/Camper | Marine | Special Events
Travel Medical | Financing, Special Limits | Optional Coverages