Why do premiums change?

There are many reasons why premiums change. Insurance rates are on the rise across Canada along with the cost of building materials, labour and medical expenses, which result in increased costs that are required to cover claims. Often premiums can be lowered when you insure more than one product with us, install safety features in your home or car or when you increase deductibles.

Learn what causes premiums to fluctuate, how rates are calculated and what you can do to manage your insurance costs. 

Auto insurance: what's involved and how to save money

Wondering how to save on your auto insurance rates? Find out what affects your premiums and how to get a better rate.

How does an at-fault accident affect my coverage?

If you are at fault for a car accident there are usually repercussions for your insurance. Learn about options to minimize the damage to your insurance record.

Home insurance: what's involved and how to save money

Your home is one of your biggest investments. Make sure you have the right coverage at the best possible rates and learn how you can lower your premium.

I've never had a claim, so why are my premiums increasing?

Find out the main reasons your premiums go up, even if you’ve never had a claim.

What is insurance fraud and how does it impact me?

Incidents of auto insurance fraud have increased across the country. Learn more and find out how to protect yourself from it.