Novex Group Insurance

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1 Novex Group Insurance Air Cadet League of Canada Ontario Provincial Committee Date

2 What is group personal insurance? A program that provides the opportunity for eligible members of the OPC group and some of their immediate family members to purchase home & auto insurance at preferred rates.

3 Advantages to your the OPC Preferred rates for members Voluntary involvement An additional no-cost benefit offers added value to your membership Novex and broker dedication to establishing strong and lasting partnerships with you

4 Advantages to members of the OPC Members enjoy savings offered by group buying power Group discount on home & auto insurance Additional savings on each car if member owns 2 or more cars Wide range of additional discounts available such as non-smoker, mature, claims-free, mortgage-free No service or interest charges Flexible and convenient payment plans to suit individual member needs Expert advice on all their insurance needs Service handled by licensed brokers

5 About Expo Insurance Brokers Inc. Contact us at or Active supporter of the Air Cadet League of Ontario for 20 years, with full understanding on how the league operates, and how valuable it is to support your volunteers who work for the betterment of the cadets! Member of the Insurance Brokers Association of Ontario 100% Commitment to Success of Program Dixie Road suite 204 Mississauga, Ontario

6 About Novex Group Insurance It s always better to be part of a group. For more than a decade, Novex has been delivering individual home & auto insurance to members of employee and association groups. We sell our products through independent brokers, across the country and in your community and/or through our dedicated call centre We re a member of Intact Financial Corporation (formerly ING Canada Inc.), a wholly Canadian-owned company and the largest provider of home, auto and business insurance in Canada

7 Why OPC Novex Group Insurance? We offer a unique combination of products & services that you won t find anywhere else! Our product suite my home & auto Responsible Driver Guarantee my umbrella my name Identity Theft Assistance Plus Novex Assistance services TravelWell 24/7 Claims Service Guarantee Rely Network

8 my home & auto Members can combine their home & auto policies and save! convenience one package one payment one expiry date savings 15% on car insurance 5% on home insurance no worries easipay flexible and convenient payment options one deductible will apply if there s a claim on both the home and auto policies at the same time extra personal liability available with my umbrella

9 Responsible Driver Guarantee Even a responsible driver can have a bad day. Shouldn t your insurance company see that? As a matter of fact, we do. That s why we created our Responsible Driver Guarantee. It s our guarantee that your members won t be penalized after their first at-fault accident. The first at-fault accident is treated as if it never happened. We guarantee your members premium and good driving record won t change.* And they keep their claims-free renewal discount. If they have a second at-fault accident, it will be treated as if it were their first. *Certain conditions and restrictions apply.

10 my umbrella Extra personal liability over over and above my home & auto Ideal for: Home or condo owners Owners of cottages, rental properties, boats, snowmobiles Well-established individuals Community volunteers my home & auto benefit 5% package discount applies Extra peace of mind for your members!

11 my name Identity Theft Assistance Plus you are unique don t let anyone take that away from you Reimburses costs associated with restoring lost identity such as legal fees, lost wages, and more 24/7 assistance & advice Legal information service Guidance throughout the resolution process Easily added on to any property policy No impact on claims record Peace of mind for your members!

12 24/7 Claims Service Guarantee If faced with an emergency claims situation Your members can call at any time of the day or night. They will be instantly transferred to a claims representative who can authorize cash transfers to cover hotel, clothing and transportation expenses, and dispatch 24/7 suppliers to make emergency repairs. There s more. We guarantee that within 30 minutes of their call in an emergency situation, they will be put in touch with a claims representative or we will write them a cheque for the amount of their annual premium, up to $1,000.

13 Novex Assistance peace of mind Novex Assistance services are provided to all Novex customers at no extra charge. The services are there for members of your group and anyone else in their household when they need them. Legal Information Service speak directly with a lawyer to get answers to legal questions Family Care Assistance (available on property policies only) emergency baby-sitting, homemaking, housekeeping, nursing services and NEW online referral resource

14 TravelWell travel often, covered always Affordable, comprehensive emergency medical and travel insurance for your members and their families. two plans to choose from Basic Up to $5,000,000 in emergency medical insurance All Inclusive Up to $5,000,000 in emergency medical insurance Trip cancellation & interruption Baggage loss, damage, delay For all types of travel Frequent flyer Sunny southern getaway Cross border shopping Last minute deals Trips with your grandchildren

15 Rely Network Quality service. Guaranteed. The Rely Network is a carefully selected group of qualified auto repair shops, building contractors and other specialized repair facilities. We guarantee complete satisfaction by recommending a Rely Network vendor. Our Rely Partners work closely with us to keep repair costs down, which ultimately helps keep premium costs down. In a nutshell Faster repairs work can begin immediately Convenient close to your clients, multiple estimates not required We guarantee the repair Priority service from our Rely Partners

16 In closing. Why should the OPC enjoy the benefits of Novex Group Insurance? Preferred premiums Financial strength and stability Plans developed to meet your needs Unique products and services Novex & Broker work as a team on your behalf

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