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Important Changes to Your Automobile Policy

Effective on September 1, 2010

As of September 1,2010 changes have been made to certain sections of the accident benefits coverage of your automobile policy. Please note that these changes do not take effect until the renewal date of your policy. Please see below links noting a summary of these changes. It is important to review these changes as limits have decreased and you now have the option of purchasing additional limits. Please do not hesitate to contact our office to discuss these changes and also to advise if you wish to purchase any additional limits.

Summary of Important Changes to Your Automobile Policy

Providing More Choice to Consumers

From the people who wrote the book on low cost insurance for older drivers...

With our simplified quoting system you can compare your current policy with our great pricing. You can even adjust your coverage's to better suit your needs.

Available Automobile Discounts You May Qualify For:

• Age
• Multi-Vehicle Discount - PAC – Property and Automobile Combined Discount
• Multi-Policy Discount
• Conviction Free
• Low Mileage
• Driving Experience Discount
• Hybrid Vehicle Discount
• Anti-Theft Discount
• Retiree's Discount
• Higher Deductible Discount
• Living Away From Home
  All part-time drivers under 25 years of age that reside away from home, may be eligible for a 50% discount
• Good Student Discount
  Part time drivers under 25 years of age that have an 80% grade average or better may receive a 15% discount

Our knowledgeable and helpful brokers are still available for you to review and discuss your quote. Please do not hesitate to contact us at, 1-800-263-9683 as your insurance needs are our concern.

Some Resources

• Winter Driving tips

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Home is Where the Heart is ...

For your Condominium, Apartment or House. We specialize in customers over 50 years old (ask about our $134.00 tenants package, and up to 80% in discounts.

Join our family today and enjoy...

• Multi Package Discount
• Mortgage Free
• Claims Free
• Age of Home
• Alarm

Put your heart and hearth in our hands today and enjoy Peace of Mind and Security with our 24 hour, 7 days a week claims line.

Atto has the markets and experience to cover one of your most valuable assets. Your on-line quote, or contacting our office at 1-800-263-9683 will begin your savings

Some Resources

• How Property Insurance is Calculated
• How to Reduce Your Property Insurance Premium

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Plans for Canadians

When travelling outside of your home province, territory or country, your government health care plans don't travel with you. Travel Insurance from TIC Travel Insurance Coordinators Ltd helps bridge that gap in coverage to help you stay protected during a medical emergency.

Ideal if you are a:

• traveller insured under a Canadian government health insurance plan
• Canadian of any age travelling for business or pleasure
• Canadian travelling outside their province, to the United States and around the world

Features and benefits

• Up to $5 million in Emergency Hospital and Medical coverage
• 24/7 access to multi-lingual emergency assistance
• All inclusive plans offering you the best value on travel protection
• Frequent flyers can enjoy convenient annual rates on multi-trip plans
• Assistance with lost or stolen travel documents

The following is a summary of coverage included per insured person. For information on other available coverages, please go to the 'Other Plans' section.

• Hospital Confinement and Medical Services up to $5 million
• The following benefits are included in the overall maximum of $5 million.
• Accidental Dental up to $3,000
• Ambulance Services up to overall maximum
• Attendant up to overall maximum
• Cremation or burial at Place of Death up to $4,000
• Dental Emergency up to $500
• Emergency Transportation up to overall maximum
• Meals and Accommodation up to maximum $3,000
• Pet Return (dog or cat) up to $300
• Physiotherapist not to exceed $300
• Prescription Medication to a maximum $500
• Return of Deceased up to $10,000
• Return to Original Trip Destination Maximum aggregate limit $5,000
• Return of Travelling Companion up to overall maximum
• Return of Vehicle or Watercraft up to $3,000

Other Plans

For complete terms, conditions, limitations and exclusions please refer to the specific policy wordings.

Multi-trip Plan

Choose from 8, 15, 35, 60 or 105 day Multi-trip Basic or Select Plans for convenient coverage on as many trips as you want during a one-year period. With this plan, there's no need to buy insurance every time you travel outside your home province or worry about having to buy coverage for a last minute business trip or a weekend getaway.

Includes Emergency Hospital & Medical coverage plus a choice of Flight Accident coverage only or Flight Accident plus Trip Cancellation & Interruption insurance, combined for a great rate.

Available on Emergency Hospital & Medical Plan for Canadians.

Once you have started your trip, Trip Interruption insurance provides coverage for one-way transportation home in the event of an unexpected, insured event.

Flight accident covers loss of life, limb, or sight, or disappearance resulting from an aircraft accident.

This plan also covers you on airport property and while travelling to or from the airport in a vehicle operated by the airline or airport. It covers all flights ticketed and arranged before you leave and applies to multi-engine, regularly-scheduled flights.

Choose this option for coverage for accidental loss of life, limb or sight, or disappearance during your trip other than while flying.

TIC's Rental Car Collision Damage Protection insurance provides coverage for physical damage to, or loss of, an automobile rented from a commercial rental agency anywhere in the world. To purchase this coverage you must have a valid Canadian driver's license. Other conditions apply.

If your trip is cancelled, interrupted or delayed for a specific reason listed in the policy, such as an unexpected event or an injury to you, a family member, or travelling companion, we will reimburse you for the non-refundable amount.

Purchase this coverage for the duration of your trip to replace lost, stolen or damaged belongings, including:

• Baggage
• Injury of Accompanying Cat or Dog
• Personal belongings
• Personal currency
• Travel documents
• Wheelchair

Our All-inclusive Package Plans combine Emergency Hospital & Medical insurance for Canadians with Trip Cancellation & Interruption coverage. Because you buy these plans as a combination, you get a great price on great coverage, both before and during your trip. Available only on our Emergency Hospital & Medical Plan for Canadians.

This plan also provides coverage for delayed baggage, cancellation by the tour operator (for any reason other than default), accidental death and dismemberment, flight accident, and lost or damaged baggage and personal effects. Default of travel supplier is also covered, subject to some exclusions.

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Life Insurance provides tax free cash to your beneficiaries or estate at a time when it’s needed most. There are many reasons to purchase life insurance including:

• Replacing lost income for your family’s ongoing needs
• Tax free cash to your estate to pay the final tax bill
• To pay for funeral and other final expenses
• A tax deductible donation to your favourite charity

There are 2 types of life insurance – Term and Permanent

Term insurance is for a specific period of time, like 10 or 20 years. It’s the least expensive to purchase but premiums will increase at the end of the term period. It is very well suited for those with a high insurance need, like a young family, or to insure a mortgage or a short term debt obligation.

Permanent insurance includes Term to Age 100 and various Whole Life plans. The premiums are more expensive but they will never increase and the coverage will stay in effect for life. Permanent plans are well suited for estate planning purposes, charitable giving or final expenses.

Non-Medical Insurance Plans

• Designed for seniors or the hard-to-insure.
• Amounts range from $1000 to $50,000
• No medicals required – just answer a few medical questions to qualify
• Premiums and coverage are guaranteed for life
• Cash values accumulate after the 5th policy year

Mortgage Insurance

Your home may be the biggest investment of your life and your mortgage may be your single largest debt. Protect your family and provide funds to eliminate your mortgage in the event of an untimely death.

Reasons to have your own coverage vs. the Banks:

• Premiums are usually less expensive than the Banks
• The death benefit will be paid directly to your beneficiary…not to the bank, who is the benefactor on their policies
• You control the coverage. It’s not tied to your mortgage so it’s portable if you move to a new home.

Critical Illness Protection

Ask yourself the following question:

“In the last 5 years, who do I know that has been diagnosed with cancer, suffered a heart attack or had a stroke?” Suffering a critical illness can be a life altering event with huge financial consequences. A critical illness policy will provide a lump sum, tax free cash benefit at the onset of cancer, stroke, heart attack and over 20 other covered conditions. Coverages are available from $25,000 up to $2Million.

Disability Insurance

Disability coverage will pay you on ongoing monthly benefit if you’re unable to work in the event of an accident or illness. Very important to the self-employed or those who do not have it through their employer’s benefit plan or wish to top up their current coverage.

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Protect your Pet with Insurance - Provided through Pet Secure - Pet Health Insurance

Pet insurance ensures

• The best possible care
• controls the cost associated with keeping your pet healthy
• Helps prepare you for any health related emergencies

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Get your pet insurance quote now Pet Secure - Pet Health Insurance