Frequently Asked Questions

No question is too big or too small.

All your answers, at your fingertips.

How do I report a claim?

We're here to help. Call us any time 24/7 at 1.800.461.0318 or report your claim online. 
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What are my payment options?

Online and telephone banking Online and telephone banking is available through most major banks. Log onto your bank’s Internet banking...
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How often do I need to make payments?

You can choose to make a full payment (due on policy "Effective date") or take advantage of our installment plans. 
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Can I pay my premium in installments?

There are five options to help make your insurance premiums fit your budget: Option 1: Full pay One cheque for...
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What information do I need to provide when reporting a claim?

To be able to process your claim as quickly as possible, have the following information ready: You policy number Accident...
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Why haven’t I received a confirmation email after completing my online quote/application?

There are a few things you can do. First, check your spam folder to ensure it didn’t end up there....
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What is "replacement cost"?

With a replacement cost policy, your claim will be based on the cost of buying a brand new unit of...
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What is "guaranteed replacement cost"?

Under a guaranteed replacement coverage, the insurance company is obligated to pay for the replacement or rebuilding of your vehicle...
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What is a “deductible”?

In the event of a claim, the deductible is the specified amount of money that you will pay out of...
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What is “actual cash value”?

If you have an actual cash value (ACV) policy, payment of your claim will be based on the current market...
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If my RV is in storage, do I still need insurance?

Insurance premiums on RVs are adjusted for seasonal use. This means that the premium you pay for insurance is based on...
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How can I reduce my insurance premiums?

We offer multiple discounts and endorsements that make our otherwise competitive insurance rates even more affordable. Give us a call...
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How can I cancel my policy?

While it’s sad to see you go, we understand that your needs change. Simply give us a call at 1.800.461.0318 and we’ll...
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What is “underwriting”?

Underwriting is the process that insurers undertake to assess and evaluate the risk of insuring a home, car or RV, and determine...
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What is "liability"?

Liability coverage protects you against financial loss if you are sued and found legally responsible for someone else's injury or...
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Do I have to insure my RV?

Yes, you are legally required to carry an RV insurance policy in Ontario. Also, don't you want to protect yourself...
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Who is Mia?

MIA (Make Insurance Accessible) is the next generation of quoting technology available to RV customers. Check out Mia here. 
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