When To Contact Your Insurer

When To Contact Your Insurer

Knowing when you should reach out to your insurance representative is crucial if you want to make sure that you always have the right coverage. Any changes to your car or home could affect your insurance needs so it’s better to be safe than sorry!

Here are some examples of when you should contact your insurer:

Car Insurance

You’ve changed your job and your commute
Factors like the distance that you drive and where you can drive can affect your insurance premium.

You’ve started using your car for business
Again, the distance and where you drive, and your employers line of business can also have an impact on your insurance premium.

You drive to another province or take the family to the United States
It is crucial to make sure that you have the right coverage for this type of trip.

Your children are driving your car
Make sure to add them to your policy as occasional drivers. Doing this will help build their driving record and will make filing a claim easier in the event of an accident.

You put your car in storage for the winter
If your car isn’t being used in the winter, let your insurer know. This could help reduce your insurance premium.

Your licence has been suspended
Let your insurer know if your licence has been suspended. If you don’t, and you get into an accident, your claim can be denied. 

Home Insurance

You’ve renovated your basement or put an addition to your home
This is a good reason for you to revisit your policy and revise your coverage to ensure that your home is properly covered in the event of damage.

You’ve installed a swimming pool or a hot tub
You will need additional home insurance coverage for your new property.

You’ve re-roofed your house
Letting your insurer know about improvements like this could help you save money on your home insurance premium!

You’re renting all or part of your house, or you’re renting out rooms
Your insurance representative will need to review your coverage to ensure that you are properly covered.

You’ve installed a fire, theft and water leak security system
Your prevention initiatives can help you save on your home insurance!

Your house will be empty for a long period
Always let your insurer know of any situations related to an extended absence. 

Always remember that it is better to be safe than sorry. Any changes that affect your car or home insurance can impact your coverage, your insurance premium, and even your claim settlement. No matter how small your change may seem, there is no harm in letting your insurer know. To get a home or auto insurance quote today, call us at 905-696-9090 or This email address is being protected from spambots. You need JavaScript enabled to view it..

Source: Desjardins

 

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