Make a payment

You’ve got options.

As easy as 1-2-3

When you choose our 1-2-3 Pay Plan, you’ll have the flexibility to pay in one, two, or three instalments and you can avoid paying services fees. If you’re on our automatic monthly withdrawal plan, ask your broker about making the switch to our 1-2-3 Pay Plan.

We accept payment by credit card, cheque, money order, or through your bank or credit union.

If you prefer to pay online with your credit card, simply fill out the form below.

Pay by credit card

* Required

Account Information

* Account Number (7 numeric characters)

* Policy Number (6 to 9 numeric characters — do not include letters)

Email Address (Enter your email to receive confirmation of your payment by email)

Payment Information

* Payment Amount (CAD)

Credit Card Information

* I understand that payment does not necessarily guarantee coverage, and this payment will be reflected on my insurance account after 2 business days. This payment will be applied to the oldest outstanding account balance at the time of receipt. If this payment is being applied to a monthly payment plan, it will not replace my monthly instalment; instead, this payment will reduce the amount of the remaining monthly payments for the policy term.

Make a Payment Faqs

How often do I need to make payments?

With the 1-2-3 Pay Plan, you can choose to pay your premium in one, two, or three instalments. We’ll send you billing statements to remind you of your payment amount and due date.

Instalment	Amount of total premium	Due date
First	40%	On the policy effective date
Second	30%	2 months after the policy effective date
Third	30%	4 months after the policy effective date

If you’re on the automatic monthly withdrawal plan, here’s how your equal monthly payments work:

Payments are made monthly for the duration of the policy.
You choose the day of the month the amount will be withdrawn from your bank account: 1, 8, 15, 20, 22, or 28.
Your pay plan automatically continues when the policy is renewed, so you don’t need to worry about due dates.

How do I change my payment method?

You can submit payment by cheque, credit card, or through your bank or credit union with the 1-2-3 Pay Plan. Pre-authorized bank withdrawals are required for our automated monthly withdrawal plan.

Contact your broker if you want to change your monthly payment plan to the 1-2-3 Pay Plan (or vice versa).

What happens if my payment comes back NSF?

When a monthly bank withdrawal is returned as NSF (non-sufficient funds), a special withdrawal notice is generated and sent to both you and your broker to tell you when the fee will be withdrawn from your bank account. The NSF fee withdrawal is a separate withdrawal from your regular monthly withdrawal.

Will my policy be cancelled if I miss a payment?

Depending on your provincial legislation and type of insurance, your policy may be cancelled if you have a second returned payment during the same policy term, or if you have a returned payment on the first payment of a new policy. Talk to your broker about your payment and cancellation terms.

What happens if I cancel my policy?

When we calculate the premium amount for your policy, it’s based on a specific term and your payments are set up accordingly. When your policy is cancelled early, we’ll calculate the remaining premium you owe on a “short rate” basis (these rates are governed by statutory conditions and are registered with the government). The amount you’ll owe is based on the cancellation date and the actual number of days your policy was in force.