Changes to Ontario Auto Insurance Provide More Choice
On September 1, 2010, changes are coming to auto insurance in Ontario. These changes will provide consumers with more choice and flexibility to purchase auto insurance coverage that best meets their needs and budgets.
Consumers will have new choices that include additional accident benefit options that will allow them to customize their policies in a manner that best suits them.
What’s Next?
Your policy will remain unchanged until your next renewal. Included in your next policy renewal, you will be provided with additional information that describes the auto insurance changes in more detail, as well as outlining your new coverage options. Learn More...
What You Need to Know
The recent reforms introduced by the Ontario government will give you greater influence over the price you pay for insurance. As a result of these reforms, some coverages under the Ontario Auto Insurance Policy have changed. Learn More...
Summary of Important Changes
Additional accident benefit choices will allow you to customize your policy to suit your needs. Learn More...
Insurance Bureau of Canada
For further details about the upcoming reforms please visit the Insurance Bureau of Canada’s Ontario Auto Insurance Reform Web site.
For more information or questions about these reforms we encourage you to contact your local State Farm agent.
Sabtu, 04 September 2010
Rabu, 14 April 2010
Getting the Best Car Insurance Policy
Getting the Best Car Insurance Policy
Obviously when individuals set out to get purchase auto insurance policies they are not looking for the worst ones, but if they do not shop properly and know about the various aspects of a policy and what is needed then they may just end buying inadequate protection from an unreliable insurer. Although there is no such thing as the “best” policy that will fit everyone’s needs and their budget for that matter, there is the right amount of coverage out there for YOU particularly from a company that may not be right for one person, but can fit your needs.
Of course, the best car insurance would be that with the highest limits and covers all possible losses, but purchasing such protection can become extremely expensive which many consumers will not be able to afford and in some cases buying the maximum amount of coverage may just be a waste of money and unnecessary for many individuals. Getting the optimum policies comes down to individuals analyzing their needs for protection and finding a reputable company that can provide the needed amount of coverage at a rate that is affordable; one should keep in mind that a quality insurer does always mean it is the cheapest, some motorists are willing to pay a few extra dollars to get insured with a company that has a great customer service department or is financially stable.
How to Find the Best Auto Insurance Policies
If a person wants to find the best car insurance they may have to do a little bit of homework and some research to ensure that they have found the policy that fits their situation. Since every driver is unique, there is no single company that can meet all individuals needs (or there would not be more than one insurer). There is one thing that is commonly agreed upon and that is that the best policy is provided from a carrier that offers the products needed, is financially sound, has good customer service and is competitively priced. While it may seem like it could be a hassle to make sure all of these bases are covered when getting insured it does not necessarily have to be.
Before checking on the quality of insurer, it is wise to determine the amount of coverage that is needed; be sure to take the time to understand what each of the options available protect against and if they are needed or not. Next, motorists should obtain rates based on the the coverage desired in order to find companies that are most affordable for the type of protection needed, but do not jump on the cheapest rate before looking into the carrier.
Finding out the financial stability and customer satisfaction level of companies can be done quite quickly and easily. Checking whether or not a company is financially sound can be done online by visiting the website of one of the many rating agencies; these agencies look into a company’s financial condition and assign a rating based on their ability to fulfill their obligations to customers. Also, finding out customer satisfaction levels can be done by checking with your state’s department of insurance. The Missouri Department of Insurance, Financial Institutions and Professional Registration provides residents with a complaint index that can be viewed to determine how satisfied a company’s customers are. By comparing prices and a carrier’s reputation, consumers should have a better chance of finding the best policies.
Minggu, 11 April 2010
Insure auto insurance
Travelers offers competitive rates on auto insurance with broad coverages and additional optional coverages to enhance your protection. Plus, important extras to get you on the road fast in the event of an accident.
or call us at 1.888.695.4625
Coverage Calculator
Travelers Auto Policy Provides:
* Collision Coverage. Covers auto damage from a collision with another car.
* Comprehensive Coverage. Covers auto damages from causes such as fire, theft, hail, vandalism or many other events.
* Bodily Injury Liability. Protects against a claim or lawsuit if others are injured in an auto accident that you or your family are considered legally responsible.
* Property Damage Liability. Protects against a claim or lawsuit for any damage you may cause by an auto accident to someone else's auto or property.
* Medical Payments. Pays for reasonable medical expenses, or certain other expenses resulting from an auto accident for you, your family and your passengers.
* Uninsured/Underinsured Motorist. Covers injury resulting from a hit-and-run accident or uninsured driver.
Additional Coverage Options:
* Rental Reimbursement. Covers the expense of a rental car while your vehicle is being repaired.
* Towing and Labor. Provides towing service for a disabled vehicle.
Getting You On the Road Is Our First Priority
We offer important extras:
* Fast, efficient claim handling available around the clock, 365 days a year
* Countrywide, guaranteed auto repair program
* World-class auto glass repair shops that can provide service at your home or office
You Can Save With Travelers
In addition to competitive rates that recognize customer differences, Travelers offers a variety of features that may further reduce your premiums:*
* Multi-car
* Hybrid Auto
* Good driver
* Driver training
* Good student
* Savings for vehicles with passive restraints, airbags, anti-lock brakes
* Certain anti-theft devices
*Discounts listed may not apply in all states.
For even greater savings, convenience and simplicity, you can bundle your auto policy with another Travelers policy.
For more information on automobile insurance, click on the links below:
Auto 101
Auto Tips & Info
Auto Claim Services
Find an Agent
Get an Auto Insurance Quote
Get a Hybrid Auto Insurance Quote
Teen Driving Information
In Massachusetts, automobile insurance is provided by Travelers of Massachusetts.
This material is for informational purposes only. All statements herein are subject to the provisions, exclusions and conditions of the applicable policy. For an actual description of all coverages, terms and conditions, refer to the insurance policy. Coverages are subject to individual insureds meeting our underwriting qualifications and to state availability.
or call us at 1.888.695.4625
Coverage Calculator
Travelers Auto Policy Provides:
* Collision Coverage. Covers auto damage from a collision with another car.
* Comprehensive Coverage. Covers auto damages from causes such as fire, theft, hail, vandalism or many other events.
* Bodily Injury Liability. Protects against a claim or lawsuit if others are injured in an auto accident that you or your family are considered legally responsible.
* Property Damage Liability. Protects against a claim or lawsuit for any damage you may cause by an auto accident to someone else's auto or property.
* Medical Payments. Pays for reasonable medical expenses, or certain other expenses resulting from an auto accident for you, your family and your passengers.
* Uninsured/Underinsured Motorist. Covers injury resulting from a hit-and-run accident or uninsured driver.
Additional Coverage Options:
* Rental Reimbursement. Covers the expense of a rental car while your vehicle is being repaired.
* Towing and Labor. Provides towing service for a disabled vehicle.
Getting You On the Road Is Our First Priority
We offer important extras:
* Fast, efficient claim handling available around the clock, 365 days a year
* Countrywide, guaranteed auto repair program
* World-class auto glass repair shops that can provide service at your home or office
You Can Save With Travelers
In addition to competitive rates that recognize customer differences, Travelers offers a variety of features that may further reduce your premiums:*
* Multi-car
* Hybrid Auto
* Good driver
* Driver training
* Good student
* Savings for vehicles with passive restraints, airbags, anti-lock brakes
* Certain anti-theft devices
*Discounts listed may not apply in all states.
For even greater savings, convenience and simplicity, you can bundle your auto policy with another Travelers policy.
For more information on automobile insurance, click on the links below:
Auto 101
Auto Tips & Info
Auto Claim Services
Find an Agent
Get an Auto Insurance Quote
Get a Hybrid Auto Insurance Quote
Teen Driving Information
In Massachusetts, automobile insurance is provided by Travelers of Massachusetts.
This material is for informational purposes only. All statements herein are subject to the provisions, exclusions and conditions of the applicable policy. For an actual description of all coverages, terms and conditions, refer to the insurance policy. Coverages are subject to individual insureds meeting our underwriting qualifications and to state availability.
What is Guaranteed Hire Car Plus
Guaranteed Hire Car Plus
1. What is Guaranteed Hire Car Plus?
Guaranteed Hire Car Plus is available on your comprehensive motor policy for a small extra premium. The additional benefits include:
1.A replacement car for repairs and for total loss or if the car is stolen
2.A hire car of a similar physical size to your own
2. What is meant by similar sized car?
Unlike the majority of hire car products, Guaranteed Hire Car Plus will provide you with a car of a similar size to your own. We look to match the physical size of your car (up to a large family estate car) and consider your engine size although we can’t guarantee a precise match. If you have a van, we will endeavour to match it's physical size.
We cannot guarantee you will get the same car as your own as this would involve matching makes and models of cars, colours, optional extras and modifications which is not possible for us to do.
3. Who does Guaranteed Hire Car Plus apply to?
It applies to all drivers insured under the policy.
4. Can I use Guaranteed Hire Car Plus more than once a year?
Once purchased Guaranteed Hire Car Plus can be used whenever a valid claim is registered. There is no limit to the number of times it can be used in one year.
5. Will my No Claims Discount (NCD) be affected?
Guaranteed Hire Car Plus as a product will not impact NCD, however it can only be used when a valid claim has been registered which may impact NCD.
6. Do you provide a hire car for disabled drivers?
We will endeavour to provide disabled drivers with a suitable hire car. If we are unable to provide a suitable hire car, we will pay travel costs up to the amounts stated in the relevant section of your policy booklet.
7. Do I have to pay an excess if I have an accident in the car?
An excess will be payable if you have an accident in a hire car provided under the Guaranteed Hire Car Plus option. You will pay the current level of excess on your policy. Please refer to your schedule for your details of windscreen excess.
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Payment
1. How can I pay for my policy?
If you would like to buy your policy online, we can accept payment from the following Credit or Debit cards in one lump sum: Visa, Access, MasterCard, American Express and Switch. If you would like to pay for your premium by Direct Debit you can pay in one lump sum or monthly instalments. If you choose to pay by Direct Debit, you will be asked to pay a deposit using one of the card types listed above. We do not accept Solo and Electron online but if you select direct debit lump sum you can enter the sort code and account number shown on your Solo and Electron card. If paying by card, "card number" refers to the long number shown across the middle of your card (this is between 16 and 21 digits).
2. Is it safe to pay for my policy on the Internet?
Yes. Our site uses 128-bit encryption that disguises and protects your personal and payment details and prevents them from being accessed by or disclosed to third parties.
3. Can I pay for my car insurance using someone else’s credit card?
Yes, you can use someone else’s card to pay your premium, but you'll need to get their permission first. A receipt will be sent to the cardholder.
4. Can I pay by instalments?
You may be eligible to pay by instalments, subject to our normal instalment criteria.
Top of page
Claims
1. How do I make a claim?
If you are unfortunate enough to be involved in an accident or have your car stolen, vandalised or damaged in any way, you can call us to report a claim on 0845 603 3590. We will provide you with the support you need, details of the repairer nearest to you and all the steps involved. As a Churchill customer, you will always receive the highest standards of service.
2. How do I track my car claim?
Please call us on 0845 603 3590 to discuss your claim.
3. What is an excess?
An excess is the amount you must pay towards any claim.
4. Do I have to pay an excess if my windscreen is repaired?
Yes, you do need to pay a small excess if your windscreen is repaired. An excess is also payable when a windscreen is replaced.
5. Do you offer a courtesy car as standard in the event of an accident?
If you purchased a policy before 22/06/2008, & your vehicle is damaged as a result of a claim that is covered by your policy, we will provide you with a courtesy car for the duration of the repairs, if you are using one of our recommended repairers to repair your vehicle.
1. What is Guaranteed Hire Car Plus?
Guaranteed Hire Car Plus is available on your comprehensive motor policy for a small extra premium. The additional benefits include:
1.A replacement car for repairs and for total loss or if the car is stolen
2.A hire car of a similar physical size to your own
2. What is meant by similar sized car?
Unlike the majority of hire car products, Guaranteed Hire Car Plus will provide you with a car of a similar size to your own. We look to match the physical size of your car (up to a large family estate car) and consider your engine size although we can’t guarantee a precise match. If you have a van, we will endeavour to match it's physical size.
We cannot guarantee you will get the same car as your own as this would involve matching makes and models of cars, colours, optional extras and modifications which is not possible for us to do.
3. Who does Guaranteed Hire Car Plus apply to?
It applies to all drivers insured under the policy.
4. Can I use Guaranteed Hire Car Plus more than once a year?
Once purchased Guaranteed Hire Car Plus can be used whenever a valid claim is registered. There is no limit to the number of times it can be used in one year.
5. Will my No Claims Discount (NCD) be affected?
Guaranteed Hire Car Plus as a product will not impact NCD, however it can only be used when a valid claim has been registered which may impact NCD.
6. Do you provide a hire car for disabled drivers?
We will endeavour to provide disabled drivers with a suitable hire car. If we are unable to provide a suitable hire car, we will pay travel costs up to the amounts stated in the relevant section of your policy booklet.
7. Do I have to pay an excess if I have an accident in the car?
An excess will be payable if you have an accident in a hire car provided under the Guaranteed Hire Car Plus option. You will pay the current level of excess on your policy. Please refer to your schedule for your details of windscreen excess.
Top of page
Payment
1. How can I pay for my policy?
If you would like to buy your policy online, we can accept payment from the following Credit or Debit cards in one lump sum: Visa, Access, MasterCard, American Express and Switch. If you would like to pay for your premium by Direct Debit you can pay in one lump sum or monthly instalments. If you choose to pay by Direct Debit, you will be asked to pay a deposit using one of the card types listed above. We do not accept Solo and Electron online but if you select direct debit lump sum you can enter the sort code and account number shown on your Solo and Electron card. If paying by card, "card number" refers to the long number shown across the middle of your card (this is between 16 and 21 digits).
2. Is it safe to pay for my policy on the Internet?
Yes. Our site uses 128-bit encryption that disguises and protects your personal and payment details and prevents them from being accessed by or disclosed to third parties.
3. Can I pay for my car insurance using someone else’s credit card?
Yes, you can use someone else’s card to pay your premium, but you'll need to get their permission first. A receipt will be sent to the cardholder.
4. Can I pay by instalments?
You may be eligible to pay by instalments, subject to our normal instalment criteria.
Top of page
Claims
1. How do I make a claim?
If you are unfortunate enough to be involved in an accident or have your car stolen, vandalised or damaged in any way, you can call us to report a claim on 0845 603 3590. We will provide you with the support you need, details of the repairer nearest to you and all the steps involved. As a Churchill customer, you will always receive the highest standards of service.
2. How do I track my car claim?
Please call us on 0845 603 3590 to discuss your claim.
3. What is an excess?
An excess is the amount you must pay towards any claim.
4. Do I have to pay an excess if my windscreen is repaired?
Yes, you do need to pay a small excess if your windscreen is repaired. An excess is also payable when a windscreen is replaced.
5. Do you offer a courtesy car as standard in the event of an accident?
If you purchased a policy before 22/06/2008, & your vehicle is damaged as a result of a claim that is covered by your policy, we will provide you with a courtesy car for the duration of the repairs, if you are using one of our recommended repairers to repair your vehicle.
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