We offer the following plans:
Full Payment
- Cash
- Debit
- Cheque
You can split your payment into three consecutive payments interest-free!
Example: Your annual premium of $717.00 is due February 12.
Divide your payment by 3.
Write your three cheques for the due date and the two months following.
Therefore, your cheques would be $239 each for February 12, March 12 and April 12.
**Please be advised that in order to qualify for the payment plan, all three cheques must be received into our office prior to the due date.**
- Visa and Mastercard
You can also mail, fax, or scan and e-mail your credit card payment to our office by filling out our convenient form.
Pre-Authorized Credit Card Form
TO SEE IF YOU QUALIFY FOR THE FOLLOWING, PLEASE CONTACT YOUR AGENT, OR OUR OFFICE.
Semi-Annual Payment
There is a 1% interest charge for this option.
1st
Cheque |
Jan |
Feb |
Mar |
Apr |
May |
Jun |
Jul |
Aug |
Sep |
Oct |
Nov |
Dec |
2nd
Cheque |
Jun |
Jul |
Aug |
Sep |
Oct |
Nov |
Dec |
Jan |
Feb |
Mar |
Apr |
May |
Need help figuring out how much to make each cheque for and for what date? Just follow these easy steps:
- Take the amount of premium you owe before tax and multiply by 1.01.
- Add the amount of tax you owe to the amount you calculated in step 1.
- Divide the amount from step 3 by 2. This will be the amount for each cheque.
- Date the first cheque for the due date of your policy.
- Using the chart above, find the month your policy is due.
- The month below it is the month the second cheque should be dated.
Example Policy due date July 12.
The first cheque should be dated for July 12 and the second cheque December 12.
Quaterly Payment
There is a 2% interest charge for this option.
1st
Cheque |
Jan |
Feb |
Mar |
Apr |
May |
Jun |
Jul |
Aug |
Sep |
Oct |
Nov |
Dec |
2nd
Cheque |
Mar |
Apr |
May |
Jun |
Jul |
Aug |
Sep |
Oct |
Nov |
Dec |
Jan |
Feb |
3rd
Cheque |
Jun |
Jul |
Aug |
Sep |
Oct |
Nov |
Dec |
Jan |
Feb |
Mar |
Apr |
May |
4th
Cheque |
Sep |
Oct |
Nov |
Dec |
Jan |
Feb |
Mar |
Apr |
May |
Jun |
Jul |
Aug |
Need help figuring out how much to make each cheque for and for what date? Just follow these easy steps:
- Take the amount of premium you owe before tax and multiply by 1.02.
- Add the amount of tax you owe to the amount you calculated in step 1.
- Divide the amount from step 3 by 4. This will be the amount for each cheque.
- Date the first cheque for the due date of your policy.
- Using the chart above, find the month your policy is due.
- The month below it is the month the second cheque should be dated.
Example Policy due date March 30.
The first cheque should be dated for March 20, the second cheque May 30, the third August 30 and the fourth November 30.
**Please be advised that in order to qualify for the payment plan, all four cheques must be received into our office prior to the policy due date.**
Pre-Authorized Chequing
There is a 3% interest charge for this option.
We offer a plan where we withdraw your payments from your bank account on a monthly basis.
A form will be sent out with your renewal. If you wish to take part in this program, please forward the signed form and a VOID cheque to our office before the due date on the form.
- Auto policy payments are withdrawn on the 10th of each month.
- Property policy payments are withdrawn on the 15th of each month.
Penalties for NSF payments are $50 for Auto policies and $20 for Property policies
Terms and Conditions for Pre-Authorized Chequing
I (we) authorize the payee to debit my (our) account as indicated on the attached "void" cheque under the terms and conditions agreed to by me (us) with the payee until such time as written notice to the contrary is given.
I (we) acknowledge the delivery of my (our) authorization to the payee constitutes delivery by me (us) to the branch of the financial institution at which I (we) maintain an account and that such financial institution is not required to verify that the payment(s) are drawn in accordance with this authorization. Termination of this authorization does\may not terminate the contract for goods or services exchanged. I (we) will notify the Payee in writing of any changes in the account information or termination of this authorization prior to the next due date of the pre-authorized debit. Items charged under any of the following conditions will be reimbursed subject to written notification by me (us) to the branch of account within 90 days.
a) I (we), never provided authorization to the payee.
b) The pre-authorized debit was not drawn in accordance with my (our) authorization.
c) My (our) authorization was revoked.
d) The debit was posted to the wrong account due to invalid/incorrect information supplied by the payee.
I (we) warrant that all persons whose signature(s) are requested to sign on this account have signed this agreement.
If for any reason a cheque is dishonoured, an administration fee of $20.00 for property policies and $50.00 for auto policies will be added to your balance.
If two payments are dishonoured, the policy will be cancelled in accordance with the statutory conditions.
If your premium changes during the term of your policy, the additional amount due, or the amount of refund will be applied to the unpaid balance to adjust the remaining payments and notification sent to you in a reasonable time.
