To the person who made insurance complicated: who hurt you?

Auto

• Q. I don’t drive my car anymore and hope to sell it in a few weeks. What coverage should I keep if I’m test-driving with potential buyers?
• Q. What happens if I hit an animal, such as a deer?
• Q. What happens if I’m in an accident and the other driver leaves without exchanging insurance information?
• Q. I have friends visiting. Can they drive my car?
• Q. Am I covered if I drive my car in another province or country?
• Q. I’m an Uber driver. Do I need special coverage?
• Q. Someone in my household is learning to drive. How do I add him/her to my plan?
• Q. How can I reduce my auto insurance premiums?
• Q. How are my auto premiums calculated?
• Q. How do you get/verify information about my driving record?
• Q. How do I know how much coverage I need for my car?
• Q. Not sure what you’re covered for?
• Q. What should I do if I’m in a car accident?
• Q. Am I covered if I’m driving a rental car?
• Q. Am I covered if someone else is driving my car?
• Q. Can I insure a vehicle if I’m not the registered owner?
• Q. Do you insure vehicles outside of Ontario?
• Q. Why did my insurance premium go up?
• Q. What does the liability section of my auto policy cover?
• Q. How do I know when my policy is renewing?
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Home

• Q. What is claims forgiveness?
• Q. I’m doing some renovations on my home. Do I need to notify you?
• Q. I just got a new family pet. Do I need to let you know?
• Q. How can I reduce my home insurance premiums?
• Q. How are my home premiums calculated?
• Q. How do I know how much insurance coverage I need on my property?
• Q. What types of property do you insure?
• Q. What should I do when I go on vacation? Does someone need to check on my place?
• Q. What does ”single limit” mean?
• Q. What does GRC mean?
• Q. Why is my house not insured for its market value?
• Q. Am I covered if I have a home-based business?
• Q. I am planning to rent out my house. Will that affect my policy?
• Q. Do you insure property outside of Ontario?
• Q. What does the liability section of my home policy cover?
• Q. Is there sales tax on home and property insurance?
• Q. How do I know when my policy is renewing?
• Q. Why did my insurance premium go up?
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Condo

• Q. What is claims forgiveness?
• Q. How can I reduce my condo insurance premiums?
• Q. What should I do when I go on vacation? Does someone need to check on my place?
• Q. How are my condo premiums calculated?
• Q. How do I know how much coverage I need on my condo?
• Q. What does my condo corporation cover and what am I responsible for insuring?
• Q. Do I pay part of the condo corporation’s deductible if a claim is made?
• Q. How do I know when my policy is renewing?
• Q. What does the liability section of my condo policy cover?
• Q. Why did my insurance premium go up?
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Tenant

• Q. What is claims forgiveness?
• Q. If I’m renting, why do I need insurance?
• Q. What should I do when I go on vacation? Does someone need to check on my place?
• Q. How can I reduce my tenant insurance premiums?
• Q. How are my tenant premiums calculated?
• Q. How do I know how much coverage I need as a Tenant?
• Q. How do I know when my policy is renewing?
• Q. What does the liability section of my tenant policy cover?
• Q. Why did my insurance premium go up?
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Managing my Policy

• Q. I lost my pink slip. How do I get a new one?
• Q. What if I want to make changes to my policy?
• Q. Is there a penalty if I cancel my policy?
• Q. Can I keep my same home and auto rates if I move?
• Q. Can I switch from annual payment to monthly?
• Q. How do I change my contact information?
• Q. How do I know if I have all the discounts on my policies?
• Q. I’m moving. How do I update my address?
• Q. How do I cancel my policy?
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Claims

• Q. My dog bit my neighbour on the arm but it doesn’t look serious. Should I contact my broker?
• Q. What if my basement is flooding? What do I do?
• Q. My car was broken into and items were stolen. Do I claim that on my home or auto insurance?
• Q. If I make a claim will my rates change?
• Q. How can I speak to a claims representative?
• Q. What information is needed to make a claim?
• Q. How long does it take to start a claim?
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Quoting

• Q. How are you able to guarantee my quote?
• Q. How is my credit score used?
• Q. Why do you need to know about other drivers in my household if they have insurance elsewhere?
• Q. How do I know I’m getting the best price possible?
• Q. How can I compare quote coverage?
• Q. How can I contact aha insurance?
• Q. How can I get a quote?
• Q. Is the quote I received accurate?
• Q. The quote I got is higher than what I’m paying now. How is that possible?
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Purchasing

• Q. Can I have my auto and home premiums withdrawn on different days or accounts?
• Q. What happens if there’s not enough money to cover my payment?
• Q. How do I get my documents?
• Q. How can I get my liability (pink) slip?
• Q. How long do you guarantee your insurance quote for?
• Q. Is there sales tax on insurance?
• Q. What payment options do you offer?
• Q. When does my withdrawal come out?
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