Novex Group Insurance
|
|
- Gwendolyn Holmes
- 8 years ago
- Views:
Transcription
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
Group Home and Auto Insurance. Your insurance shouldn t leave you wanting more. Satis Service
Group Home and Auto Insurance Your insurance shouldn t leave you wanting more Back Claimed by our s Satis Service facti Guar o ante *n e Total protection and peace of mind built around you For over 50
More informationBacked by our Claims Service Satisfaction Guarantee. Home and Auto Insurance. Total protection and peace of mind built around you
Backed by our Claims Service Satisfaction Guarantee Home and Auto Insurance Total protection and peace of mind built around you It s good to be home Especially when you re well protected Your home is an
More informationBacked by our Claims Service Satisfaction Guarantee. Auto Insurance. Protection built around you and your vehicle
Backed by our Claims Service Satisfaction Guarantee Auto Insurance Protection built around you and your vehicle Peace of mind behind the wheel Basic auto insurance is mandatory in Canada, and your provincial
More information6 Ways To Save Money On Auto Insurance In Ontario
6 Ways To Save Money On Auto Insurance In Ontario 6 Ways to Save Money on Auto Insurance in Ontario Contents Contents 01 Introduction 03 Auto Insurance 101 Mandatory Coverages 05 Auto Insurance 101 Optional
More informationTOP10 AUTO INSURANCE FAQ S
TOP10 AUTO INSURANCE FAQ S Lane s Insurance Chad answers the Top 10 most frequently asked Auto Insurance FAQ s A Publication By: 1 1 - Why is my premium so high? Auto insurance premium rates are based
More informationIt s time... to rediscover you
Backed by our Claims Service Satisfaction Guarantee It s time... to rediscover you Home, auto, and leisure & lifestyle insurance that keeps up with you. As an Aviva customer, you ll benefit from: A wide
More informationZacharLawFirm.com (602) 494-4800 Page 1
There are countless drivers across the state of Arizona that are uninsured or underinsured. In fact, it is estimated that one (1) out of every five (5) drivers on the road is driving without insurance.
More informationCIBC TELUS Rewards Visa * Card
YOUR BENEFITS GUIDE Welcome to your CIBC TELUS Rewards Visa * Card YOUR BENEFITS GUIDE BENEFITS AT A GLANCE Thank You for Choosing the CIBC TELUS Rewards Visa Card 1 How to Earn 2 How to Redeem 2 Go Paperless
More informationinsurance policy I m in the driver s seat!
My first car insurance policy I m in the driver s seat! Car insurance is mandatory! Mandatory Car insurance primarily covers damage you could cause to others. It s called civil liability. Do you own a
More informationmade simple Auto Insurance What s included:
Auto Insurance made simple What s included: How to read your Allstate Auto Policy Declarations Understanding auto insurance: Coverages Deductibles Coverage limits What to do in case of an accident Frequently
More informationNewcomer Finances Toolkit. Insurance. Worksheets
Newcomer Finances Toolkit Insurance Worksheets Ottawa Community Loan Fund Fonds d emprunt Communautaire d Ottawa 22 O Meara St., Causeway Work Centre, Ottawa, ON K1Y 4N6 Tel: 613-594-3535 Fax: 613-594-8118
More informationINTRODUCTION TO MEMBER SERVICES
INTRODUCTION TO MEMBER SERVICES WELCOME TO A A A The largest, most recognized and most trusted emergency road service organization in the nation. We look forward to providing you with outstanding service
More informationPlanning a trip? We have you covered, from travel insurance to managing your money.
Planning a trip? We have you covered, from travel insurance to managing your money. Getting ready for a trip? It s an exciting time with so much to look forward to and so much to prepare for. Getting ready
More informationProtecting your family with insurance: How RBC Royal Bank can help
Insurance Protecting your family with insurance: How RBC Royal Bank can help At RBC Royal Bank, we know that you ve worked hard to get here and build a new life. Insurance helps protect what you have from
More informationIntroducing the all new Quantum Auto 2.0. Experience the smoother ride!
Quantum Auto 2.0 Introducing the all new Quantum Auto 2.0. Experience the smoother ride! REFERENCE GUIDE Introducing the all new Quantum Auto 2.0. We did not just re-design the chassis. We re-engineered
More informationCANADIAN AQUAFITNESS LEADERS ALLIANCE INC. LIABILITY INSURANCE PROGRAM
CANADIAN AQUAFITNESS LEADERS ALLIANCE INC. LIABILITY INSURANCE PROGRAM Exclusive to: Certified CALA Fitness Instructors and Personal or Group Trainers. Dan Lawrie Insurance working for you! Dan Lawrie
More informationBUYING CAR INSURANCE IN SOUTH CAROLINA
BUYING CAR INSURANCE IN SOUTH CAROLINA Do you think your Auto Policy Protects You and Your Family For the Road Ahead? The Truth May Surprise You. Goose Creek 103 Laurel Ave. Goose Creek, SC 29445 Phone:
More informationDealership Insurance for UCDA Members only!
IN PARTNERSHIP SINCE 1995 BAIRD MACGREGOR INSURANCE BROKERS LP Dealership Insurance for UCDA Members only! Competitive Pricing: Baird MacGregor Insurance will always quote you fairly, competitively.and
More informationAUTO/HOME/RENTERS INSURANCE
AUTO/HOME/RENTERS INSURANCE (518) 785-1900 or (800) 342-4306, ext. 243 Visit Membership Benefits Program at www.pef.org PEF Membership Benefits Program offers active dues paying PEF members and PEF retirees
More informationINSURANCE. Section 1 TAXABLE INSURANCE CONTRACTS. Taxable Insurance contracts
BULLETIN NO. 061 Issued June 2012 THE RETAIL SALES TAX ACT INSURANCE This bulletin explains the 2012 Budget changes affecting insurance contracts. Effective July 15, 2012, retail sales tax (RST) applies
More informationMotorcycle Insurance. made simple
Motorcycle Insurance made simple What s inside: How to read your Allstate Motorcycle Policy Declarations Understanding motorcycle insurance: Coverages Deductibles Coverage limits What to do in case of
More informationAUTO INSURANCE PROTECTION WHILE YOU RE ON THE ROAD
AUTO INSURANCE PROTECTION WHILE YOU RE ON THE ROAD PROTECTION WHILE YOU ARE ON THE ROAD TO YOUR DREAMS LIABILITY COVERAGE What is Auto Insurance Coverage? An auto insurance policy is a package of several
More informationAuto Insurance Buyers Guide
Auto Insurance Buyers Guide Table of Contents Understand Your Rights as a Consumer...1 Introduction...... 2 Why You Need Auto Insurance...... 3 When to Shop for a New Auto Insurance Policy.. 4 How to Shop
More informationHow To Get A Condominium Unit Owners Insurance
PERSONAL INSURANCE Condominium Unit Owners Insurance You need homeowners insurance, too. Who Pays for the Damage to Your Possessions? Answer: You do. As an owner of a condominium unit, you are also a member
More informationAll about. auto. insurance
All about auto insurance Legal Deposit Bibliothèque et Archives nationales du Québec, 2011 Legal Deposit Library and Archives Canada, 2011 Table of contents Buying auto insurance 4 Who is insured? 4 Who
More informationCIBC Dividend One MasterCard
YOUR WELCOME KIT Welcome to your CIBC Dividend One MasterCard Card YOUR BENEFITS GUIDE Benefits at a Glance Welcome to your CIBC Dividend One MasterCard Card 1 Chip-enabled CIBC Credit Card 1 CIBC Contactless
More informationDear Valued Clients, Thank you for making your Insurance Dynamic! Kindest Regards, DYNAMIC INSURANCE BROKERS
Dear Valued Clients, The Financial Service Commission of Ontario (FSCO), the provincial government regulator of Auto Insurance is introducing reforms effective September 1, 2010. Periodically (usually
More informationHow To Get Points From Worldpoints
WorldPoints Rewards Program Rules It s easy to earn Points simply use your credit card for everyday purchases, like buying groceries, filling the gas tank or paying your utility bill. Your rewards at a
More informationCIBC U.S. Dollar Visa
YOUR BENEFITS GUIDE Welcome to your CIBC U.S. Dollar Visa Card Welcome to your CIBC U.S. Dollar Visa Card. And a completely different credit card experience. Your new CIBC U.S. Dollar Visa Card comes with
More informationDrive confidently. Protecting that investment with a Stillwater Auto policy helps you do those things confidently.
AUTO INSURANCE Drive confidently With the exception of your home, your car is probably the most valuable thing you own. It s an investment one you rely on every day to commute, shuttle the kids, run errands
More informationWelcome to the American Express Corporate Card Program Cardmember Benefits and Services
CORPORATE SERVICES EXPENSE MANAGEMENT SOLUTIONS Welcome to the American Express Corporate Card Program Cardmember Benefits and Services Contents Welcome to the advantages of the American Express Corporate
More informationThis bulletin explains the application of retail sales tax (RST) to certain insurance contracts that relate to Manitoba, at the rate of 8%.
BULLETIN NO. 061 Issued July 15, 2012 Revised July 2013 THE RETAIL SALES TAX ACT INSURANCE This bulletin explains the application of retail sales tax (RST) to certain insurance that relate to Manitoba,
More informationFarmers Homeowners Insurance
Farmers Homeowners Insurance Cover your biggest investment Coverage you need, the options you want Your home is perhaps your most valuable possession. You need the best coverage available at a reasonable
More informationHome and Automobile Insurance Guide
Home and Automobile Insurance Guide General Information Finding the best insurance policies to suit your needs can be a complex and confusing business. To help you, we have addressed questions and defined
More informationHomeowners Insurance. made simple
Homeowners Insurance made simple What s included: How to read your Allstate Policy Declarations Protecting your home and personal property Understanding deductibles Additional protection How to file a
More informationGET THE CAR YOU LOVE THE SMART AND EASY WAY
GET THE CAR YOU LOVE THE SMART AND EASY WAY What is Novated Leasing? NOVATED LEASING MADE EASY A Novated Lease is a three way agreement between you, Custom Fleet and your employer. It can potentially save
More informationNAIC Consumer Shopping Tool for Auto Insurance
NAIC Consumer Shopping Tool for Auto Insurance Need Auto Insurance? Here is What You Need to Know. Whether you are buying auto insurance for the first time, or shopping to be sure you are getting the best
More informationThe Credit Suisse corporate cards.
Issued by Swisscard AECS GmbH The corporate cards. Payment solutions to help you save time and money. Interesting facts about the corporate cards. Corporate cards are a modern and secure means of payment.
More informationAuto Insurance from The Hartford. Get the coverage and value you need for the long road ahead.
Auto Insurance from The Hartford Get the coverage and value you need for the long road ahead. Better coverage, better value for you and your family. When you buy auto insurance, you re not just protecting
More informationMAKE FINANCIAL FITNESS HAPPEN
MAKE FINANCIAL FITNESS HAPPEN 3 UNIT 6 INTRODUCTION TO NEDBANK INSURANCE AND ASSURANCE PRODUCTS At the end of this unit, you will: understand the difference between insurance and assurance; and understand
More informationPrecision Engineered Protection
Precision Engineered Protection Essential protection for your Volkswagen Volkswagen has a reputation for thinking differently and Volkswagen Insurance is a little bit different too. Naturally, we ve designed
More informationBusiness Auto Insurance. made simple
Business Auto Insurance made simple What s inside: How to read an Allstate Business Auto Policy Declarations Understanding business auto insurance: Deductibles Coverage limits Frequently asked questions
More informationAutomobile Insurance Protection
MetLife Auto & Home Automobile Insurance Protection We will be there for you. For your car and your peace of mind The Auto Advantage SM Buying a new car, or looking for a company who will provide complete
More informationFrequently Asked Questions
A consumer information brochure published by the 21 South Fruit Street, Suite 14 Concord, NH 03301 phone: (800) 852-3416 fax: (603) 271-1406 Autos TDD Access: Relay NH 1-800-735-2964 My car has been totaled.
More informationAUTO HOME PACKAGE PLUS. Why Buy a Kemper Preferred Policy?
AUTO HOME PACKAGE PLUS Why Buy a Kemper Preferred Policy? Our many insurance offerings Through a select network of Independent Agents, Kemper Preferred offers customizable insurance products and services
More informationWhy do you need Visiting New Zealand insurance?
Visiting New Zealand travel insurance Insurance that looks after people who are visiting New Zealand Why do you need Visiting New Zealand insurance? Every year more than two million people visit New Zealand
More informationHow To Get A Great Deal On Suncorp Insurance
Car Insurance Keep life moving The must-have Queensland insurance What makes Suncorp the must-have Queensland insurance? It comes from an understanding of how we all like to live, and designing insurance
More informationInsurance Shopping: Understand how auto insurance rates are set
Insurance Shopping: Understand how auto insurance rates are set If you re shopping around for auto insurance it s important to know how insurance companies set their rates. Many factors are at play, so
More informationA Consumer s Auto Insurance Guide
Financial Institutions Environment and Labour A Consumer s Auto Insurance Guide 2nd edition Auto insurance is a mandatory product for all drivers in Nova Scotia. However, understanding this complex product
More informationA Consumer s Auto Insurance Guide
Financial Institutions Environment and Labour A Consumer s Auto Insurance Guide 2nd edition Auto insurance is a mandatory product for all drivers in Nova Scotia. However, understanding this complex product
More informationThe Game of Life Purchasing Auto Insurance Updated: 2016-02-10
The Game of Life Purchasing Auto Insurance Updated: 2016-02-10 One of the most common experiences young adults encounter can be one of the most mysterious: purchasing auto insurance. It might not seem
More informationA Shopping Tool for. Automobile Insurance. Mississippi Insurance Department
Automobile Insurance Mississippi Insurance Department 1 2014 National Association of Insurance Commissioners All rights reserved. National Association of Insurance Commissioners Insurance Products & Services
More informationHow To Choose Your Auto Insurance In Ohio
Summary of Important Changes to Your Policy You Now Have More Choice Recent reforms introduced by the Ontario government will give you more choice over the coverages and price you pay for auto insurance.
More informationCIBC PETRO-POINTS MasterCard
YOUR WELCOME KIT Welcome to your CIBC PETRO-POINTS MasterCard Card YOUR BENEFITS GUIDE Benefits at a Glance Welcome to your CIBC PETRO-POINTS MasterCard Card 1 Instant Fuel Savings and Great Rewards 1
More informationChapter 10. Chapter 10 Learning Objectives. Insurance and Risk Management: An Introduction. Property and Motor Vehicle Insurance
Chapter 10 Property and Motor Vehicle Insurance McGraw-Hill/Irwin Copyright 2012 by The McGraw-Hill Companies, Inc. All rights reserved. 10-1 Chapter 10 Learning Objectives 1. Develop a risk management
More informationWhat s UP with Renters Insurance?
What s UP with Renters Insurance? Renters insurance is a bargain compared to most kinds of insurance. It s the best way to make sure you ll have cash to repair or replace your belongings if a fire or natural
More informationYour Personal Excess Liability (PEL) Benefit
GE EMPLOYEE BENEFIT Your Personal Excess Liability (PEL) Benefit Get the one coverage that really stands out Valuable Protection through an Employee Benefit If you re relying on your auto and home insurance
More informationTravelers Auto and Home Insurance Program
Travelers Auto and Home Insurance Program ENHANCE YOUR CREDIT UNION MEMBER BENEFITS, NOT YOUR COSTS A plan for your credit union Enhance your member benefits, not your costs It s a fact. Good member benefits
More informationTravelers Auto and Home Insurance Program. Enhance your benefits, not your costs.
Travelers Auto and Home Insurance Program Enhance your benefits, not your costs. A Plan for Your Company Enhance your benefits program, not your costs It s a fact. Good benefits programs help attract and
More informationNRMA Motor Insurance Premium, Excess, Discounts & Helpline Benefits NSW, QLD, ACT & TAS
1 NRMA Insurance Premium, Excess, Discounts & Helpline Benefits NSW, QLD, ACT & TAS This NRMA Insurance Premium, Excess and Discounts Guide should be read with the NRMA Insurance Product Disclosure Statement
More informationCommonwealth of Massachusetts Division of Insurance
Commonwealth of Massachusetts Division of Insurance Joseph G Murphy, Commissioner CONTENTS: PAGE # How to Reach Us D-1 How to File an Insurance Complaint D-1 Frequently Asked Insurance Questions (FAQ s)
More informationLife and Disability Insurance. Does your insurance add insult to injury?
Life and Disability Insurance Does your insurance add insult to injury? I N S U R A N C E S E R V I C E S At Island Savings, we make sure you know exactly what s covered before illness or injury strike.
More information1-800-927-4357. www.insurance.ca.gov. Automobile. Insurance. California Department of Insurance
1-800-927-4357 www.insurance.ca.gov Automobile Insurance California Department of Insurance Table of Contents Page 2 Introduction to Auto Insurance 4 Auto Insurance Costs 6 Liability Coverage and California
More informationinsurance auto insurance
insurance auto insurance our mission The mission of The USAA Educational Foundation is to help consumers make informed decisions by providing information on financial management, safety concerns and significant
More informationTravelers Auto and Home Insurance Program. Enhance your member benefits, not your costs.
Travelers Auto and Home Insurance Program Enhance your member benefits, not your costs. A Plan for Your Credit Union Enhance your benefits program, not your costs It s a fact. Good benefits programs help
More informationYOUR BENEFITS GUIDE. Welcome to your. CIBC Classic Visa. Card
YOUR BENEFITS GUIDE Welcome to your CIBC Classic Visa Card Welcome to your CIBC Classic Visa Card. And a completely different credit card experience. Your new CIBC Classic Visa Card comes with our promise
More informationA Shopping Tool for. Automobile Insurance. Mississippi Insurance Department
A Shopping Tool for Automobile Insurance Mississippi Insurance Department 1 A Shopping Tool for 2014 National Association of Insurance Commissioners All rights reserved. National Association of Insurance
More informationRental Vehicle Insurance
Rental Vehicle Insurance Save on rentals in Manitoba, Canada and the United States Get the most protection Control your risks When you rent or borrow a vehicle, think about the insurance protection you
More informationThe Personal Liability Umbrella Insurance Plan Offered exclusively to our members
The American College of Obstetricians and Gynecologists Personal Liability Umbrella Insurance Plan The Personal Liability Umbrella Insurance Plan Offered exclusively to our members Unfortunately, lawsuits
More informationRenewal procedures differ depending on the type of account being renewed. However, renewing policies typically involves
Renewals Renewing a policy is an opportunity to o Reconnect with your clients; o Review their portfolios; and o Introduce new developments in the market or in insurance products. Renewal retention is a
More informationBenefits Guide BMO CashBack World Elite * MasterCard * Welcome.
Benefits Guide BMO CashBack World Elite * MasterCard * Welcome. Table of contents Upgrade your story today Getting started Your card at a glance Take things up a notch Additional options Everyday services
More informationYour Personal Excess Liability (PEL) Benefit
EMPLOYEE BENEFIT Your Personal Excess Liability (PEL) Benefit Protecting you from judgments, settlements, and claims against you. 888.552.4448 Valuable Protection from an Employee Benefit If you rely on
More informationBMO Travel Insurance. Annual and Single Trip Travel Medical Single Trip Trip Protection
BMO Travel Insurance Annual and Trip Protection Put travel worries behind you When you travel, you don t expect to lose your luggage, experience flight delays or have a medical emergency, but any of these
More informationSection 1. Reimbursement Policy TRAVEL EXPENSES
Orthotics Prosthetics Canada (OPC) Travel & Expense Policy Dec. 2015 Policy It is the policy of the Corporation to reimburse employees and other officials and volunteers of the Corporation for certain
More informationThere s auto insurance, then there s mutual auto insurance. www.townsendmutual.com
There s auto insurance, then there s mutual auto insurance. www.townsendmutual.com The mutual difference Small, but mighty. Ontario Mutuals are more than 40 independent insurance companies that grew in
More informationQ&A. Questions and Answers on Insurance for Housing Co-operatives. What insurance does our housing co-operative need?
Q&A Questions and Answers on Insurance for Housing Co-operatives What insurance does our housing co-operative need? You need at least five kinds of insurance perhaps more, depending on your circumstances.
More informationSGIO Comprehensive Plus Motor Insurance Premium, Excess, Discounts and Helpline Benefits Guide WA
1 SGIO Comprehensive Plus Motor Insurance Premium, Excess, Discounts and Helpline Benefits Guide WA This SGIO Comprehensive Plus Motor Insurance Premium, Excess, Discounts and Helpline Benefits Guide should
More information1.6. Travellers may retain for personal use any loyalty program points (for example frequent flyer points) accumulated from University travel.
The University of British Columbia Board of Governors Policy No.: 83 Approval Date: November 2000 Last Revision: June 2005 Responsible Executive: Vice-President, Academic and Provost Vice-President, Learning
More informationLoss of Use. Basic Autopac coverage Optional Extension coverage for extra protection
Loss of Use Basic Autopac coverage Optional Extension coverage for extra protection Stay on the road with Loss of Use coverage If you rely on your vehicle daily, a collision or vehicle theft could cause
More informationCIBC Aero Classic Visa * Card
Your Benefits Guide Welcome to your CIBC Aero Classic Visa * Card Benefits at a Glance YOUR PREMIUM PASSPORT TO REWARD TRAVEL Welcome to your CIBC Aero Classic Visa Card 1 Earn Rewards Faster 2 Insurance
More informationmade simple Boat Insurance What s inside:
Boat Insurance made simple What s inside: How to read an Allstate Boatowners Policy Declarations Understanding boatowners insurance Coverages Deductibles Coverage limits What to do in case of an accident
More informationHOW TO AVOID THE 7 DEADLY SINS OF BUYING GENERAL LIABLITY INSURANCE
HOW TO AVOID THE 7 DEADLY SINS OF BUYING GENERAL LIABLITY INSURANCE By Jim Wiggins The reader assumes all responsibilities for his/her own actions in regards to any items discussed in this report. Adherence
More informationNRMA Comprehensive Plus Motor Insurance Premium, Excess, Discounts and Helpline Benefits Guide NSW
NRMA Comprehensive Plus Motor Insurance Premium, Excess, Discounts and Helpline Benefits Guide NSW NRMA Comprehensive Plus Motor Insurance Premium, Excess, Discounts and Helpline Benefits Guide This NRMA
More informationA Consumer s Guide to Personal Auto Insurance
Maine Bureau of Insurance 34 State House Station Augusta, ME 04333-0034 A Consumer s Guide to Personal Auto Insurance A Publication of the Maine Bureau of Insurance June 2015 Paul R. LePage Governor Eric
More informationHome, Business & Automobile Insurance PROGRAMS
Home, Business & Automobile Insurance PROGRAMS Customized Insurance PROGRAMS for: Professional Associations Corporations Member-Based Groups Based on the feedback we have received, Mardon has been doing
More informationCredit Cards. Megan Stearns, Credit Counselor
Credit Cards Megan Stearns, Credit Counselor Agenda What is a credit card? Types of credit cards Shopping for a credit card Advantages and disadvantages Using credit cards wisely Fraud What is a credit
More informationCall on AAA with confidence. Have a question? Need a quote? Simply contact your nearest AAA Agent: Auto. Insurance 5451-41922-19
Call on AAA with confidence. Have a question? Need a quote? Simply contact your nearest AAA Agent: Auto Insurance 5451-41922-19 Q U A L I T Y Day or night. You re covered, with AAA. Whatever you drive,
More informationEconomical Select. See what we can do for you. Discover auto and home insurance designed to meet the needs of your group.
Economical Select See what we can do for you Discover auto and home insurance designed to meet the needs of your group. Who doesn t enjoy saving money? With Economical Select, everyone benefits. We offer
More information/1234512345/ The Added Benefits Program for Alcatel-Lucent Employees. With Comparative Rater, auto insurance comparison shopping
AME247-EMP /1234512345/ John Q. Sample Address Line 1 Address Line 2 Anytown, USA 12345-0000 With Comparative Rater, auto insurance comparison shopping and potential savings are just a click away. 99 Park
More informationHave questions when you buy insurance
Helpful advice from CARP s recommended & trusted insurance provider VOLUME 5 Have questions when you buy insurance Inside this issue: HOW do I choose the right coverage? WHAT makes the plans different?
More informationA Guide to Novated Leases. www.sgfleet.com
A Guide to Novated Leases www.sgfleet.com Improve the Weekly Budget A holiday, new clothes or just a bit more money in the wallet; whatever the reason, everyone should consider the potential improvements
More informationGroup Automobile and Residential Insurance Program Prepared for Canadian Assistive Devices Association
Group Automobile and Residential Prepared for Canadian Assistive Devices Association Submitted by: Marsh Canada Limited Practice July 23, 2009 1 Practice Marsh s (PCS) specializes in the design, placement
More informationInsurance basics for nonprofit organizations
Insurance basics for nonprofit organizations Updated: July 2012 This document is intended as general and abbreviated guidance for nonprofit organizations. Because every organization s insurance needs are
More informationPresentation Slides. Lesson Nine. Cars and Loans 04/09
Presentation Slides $ Lesson Nine Cars and Loans 04/09 costs of owning and operating a motor vehicle ownership (fixed) costs: Depreciation (based on purchase price) Interest on loan (if buying on credit)
More informationAgent/CSR Guide. FAQs. Home Advantage. The Hartford s AARP Home Insurance Program
personal lines Agent/CSR Guide FAQs Home Advantage The Hartford s AARP Home Insurance Program Q&A Here are some frequently asked questions, plus answers, that can give you a better understanding of The
More informationAPPLYING FOR AUTO INSURANCE. What do I need to know to fill out an automobile insurance application?
APPLYING FOR AUTO INSURANCE What do I need to know to fill out an automobile insurance application? Here is some of the information you ll need to provide on an automobile insurance application: 1. Vehicle
More informationA card built to put your money to work. Welcome to your Citi Dividend World MasterCard.
WELCOME Citi Dividend World MasterCard Cash Back. Security. Convenience. SMART A card built to put your money to work. Welcome to your Citi Dividend World MasterCard. Here s how it works: Earn at least
More informationGOLD Product Enhancements
GOLD Product Enhancements What has GOLD been up to lately? Equipment Breakdown Legal Expense Insurance GOLD Rebranding Expand GOLD into British Columbia edocs for Personal Lines Jewellery and Valuable
More informationExpense Policy. and. Guidelines
Expense Policy and Guidelines Approved may 2011 HSRFH - Expense Policy and Guidelines Table of Contents Principles and Scope... 4 Definitions... 4 1.0 PERSONAL BUSINESS EXPENSES... 6 1.1 EXPENSE REIMBURSEMENT...
More informationAutomobile Insurance 1
FCS7020 Automobile Insurance 1 Nayda I. Torres and Josephine Turner 2 An automobile is often the most expensive property that people own, next to a home. As a result, protection against loss of an automobile
More information