Group Insurance

The United Church of Canada Group Home and Auto Insurance Program is offered by HUB International and underwritten by Waterloo Insurance Company.

HUB is one of the largest brokerages in Canada. The company provides a broad array of property and casualty, life and health, employee benefits, reinsurance, investment, and risk management products and services. Hub has been providing group property and auto insurance to professional associations and employer groups for approximately 20 years. They have access to over 27 companies, allowing them to compare rates and coverage for multiple companies at the same time.

This program is available to all United Church employees, active pension plan members, pensioners and dependents residing in the same household. United Church members are eligible for group discounts through Waterloo.

Benefits of the Group Auto and Property Program

• 20% discount on home and auto insurance
• Other discounts available in addition to the group discount, i.e., multi-vehicle, multi-line, etc.
• No interest or service charges/fees for monthly payment plans
• Convenient payment plans with a variety of payment options
• Inter-company discounts available between member companies Economical and Perth Insurance
• Licensed insurance advisors provide professional insurance counselling

When you call, be sure to mention you are a member of The United Church of Canada to receive your exclusive rates!

Driving Record Protection Feature (DRP)

Protect your preferred driving record in the event of a first at-fault accident. For a nominal premium, experienced drivers with accident-free driving records can add DRP to their auto policy. DRP ensures you maintain your preferred rating even after a first at-fault loss. DRP is not to be confused with standard “forgiveness” rules offered by insurers. Call Hub for more information!

Identity Theft Protection

Maximize your protection in the event your credit cards or other personal documents are stolen. Call Hub for more information.

Maximum Discounting

Ask your Hub Insurance Advisor about the many discounts available to you. Placing your home and auto insurance with the same insurer results in greater savings!

Professional Insurance Counselling

Hub represents the client. Your best interests will be held at all times. In the event of a loss, claims counselling will be provided before any notice of loss goes to the insurer. Hub will determine whether

• the specified loss is covered
• you need to pay a deductible or not
• there will be any possible repercussions by reporting a claim (e.g., increased rate on renewal, loss of claims-free discount)

Inter-company Discounts

Waterloo (and Perth) is a member company of the Economical Insurance Group. Sometimes, due to claims or conviction history, an individual may not qualify for Waterloo (or an alternate standard market) and will need to be placed with Perth.

For example: If a person is insured with Waterloo and his or her spouse is with Perth, multi-vehicle discounts will still apply.

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How to Get a No-Obligation Quote

Residents of Ontario: 1-800-263-2383 (HUB International)

Residents of Quebec: 1-888-542-4811 (Waterloo National Call Centre)

All other provinces: 1-866-247-7700 (Waterloo National Call Centre)

As a member of the United Church you may be eligible for a discount on your boat, home, auto, and cottage insurance! Contact HUB International for a no-obligation quote!

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What to Do in an Auto Accident

Being involved in an accident can be a very stressful event. Here are some basic tips to help you protect yourself and your interests:

• Call an ambulance if necessary.
• Record all details of the accident.
• Obtain contact information from passengers or witnesses.
• Take pictures of the scene and damage to both vehicles if possible.
• Record details on the other party and vehicle, such as owner’s name, address, and phone number and vehicle year, make, and model.
• It is very important to obtain the insurance information of the other driver: the name of the insurance company, the policy number, and the name of the broker or agent.

Remember:

• Remain calm.
• Do not argue with other drivers and passengers. Save your story for the police.
• Do not voluntarily assume liability or take responsibility, sign statements regarding fault, or promise to pay for damage at the scene of the accident.
• Be careful of unauthorized tow truck operators pressuring you to have your vehicle towed, demanding immediate payment for the tow, or attempting to take your vehicle to a garage or body shop of their choice. They may try to use the confusion of the moment to intimidate you into allowing your vehicle to be towed.

These tips are general rules of thumb only and may not fit all situations. For the definitive word, contact your insurance broker.

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Tips on Keeping Insurance Costs Down

1. If you pay your insurance premiums on a monthly basis directly from your bank account, make sure you have overdraft protection. (Avoid NSFs and cancellations for non-payment.)
2. Had a loss and considering filing a claim? Find out about possible ramifications FIRST, and then make your decision. (Note some losses you are obligated to report.)
3. Review with your broker scheduled articles on your policy vs. standard policy sub-limits.
4. Consider an insurer that offers a customized discounting program (Autograph). (Additional discounts can be gained based on personal driving behaviours.)
5. If you pay off your mortgage, advise your broker. (Some insurers offer mortgage-free discounts.)
6. If your commute changes, or if you or your spouse stop working due to maternity leave or some other reason, advise your broker.
7. Consider deleting physical damage on older vehicles.
8. Consider increasing your deductibles. (Recommend $1,000 All Perils for auto insurance and $1000 for property insurance.)
9. Ensure that new drivers take driver’s training courses that are approved by MTO.
10. Package all policies with the same insurer. (Multi-policy and multi-vehicle discounts. This can also apply with multi-company models/same parent company, i.e., Waterloo/Economical/Perth.)