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Contact The Delsan Group Today!
Tel.: 514-731-0031
Tel.: 450-433-2434
Fax: 450-430-4561
Email:
broker@delsangroup.com
Address:
6750 Parc Avenue, Suite 350
Montreal, Quebec
H3N 1W7
439 Chemin De Tash
Boisbriand, Quebec
J7E 4H4
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Tips To Remember
- What isn’t covered: check your policy, for what isn’t covered by your insurance policy.
- Pay your premiums: Non-payment of premiums, under certain circumstances, is reason to cancel your insurance. A cancelled insurance policy on your history makes you a more uncertain risk for another insurance company.
- Tell the truth: When talking to your insurance broker, don’t “forget” any details. If you neglect to disclose some important information about you or whatever you are insuring this could cause big problems down the line.
- Consider how much risk you are willing to absorb: You know about deductibles, they are the reality of the insurance process. If you were to have a claim, how much could you comfortably pay for yourself; at what dollar value would you consider submitting a claim? If this amount is different than your current deductible, contact your insurance broker to make the adjustment.
- Stay the course: Try not to switch insurers in the middle of the year. Wait until your contract is up before switching insurers; this way you’ll avoid any early cancellation penalties.
- There are deals: Ask about multiple vehicle discounts or a discount for insuring your home and car together with the insurer.
And Finally…
Insurers are making an investment decision every time they decide whom to insure. Just like you, they want to make sure their investments are safe. Be a coveted account for insurers. Insurers can underwrite only a limited amount of business. If your business is deemed to be a good risk, an insurer may provide more favorable conditions.
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1. When deciding which losses to report to your insurer, contact your insurance representative. Larger organizations generally make claims only for losses that aren’t predictable or large losses that they cannot afford to pay.
2. Report all claims to your insurance broker promptly. He/she can advise you of your rights and obligations. Failing to give prompt notice may result in denial of the claim.
3. Ask your insurance broker for assistance with the claims process. He or she may provide advice, act as an advocate, and help compile claim documentation.
4. Ensure insurance policies are kept up to date. Renew policies to ensure coverage is continuous.
5. Ensure premiums are paid on time. Non-payment of premiums may result in cancellation of your policy.
6. Keep all old insurance policies and certificates. Some claims may not be made for many years.
7. Inform your insurer about any new risk management policies, procedures, practices and other features that your organization has implemented.
8. Loyalty to your insurer is important, but shop around occasionally. You need to be sure that your insurer is being competitive.
9. Cooperate fully with insurance inspectors, adjusters and any other insurance company representatives that may visit you. Your insurer and you have the same goal – to prevent losses from occurring. |
Delsan Group is there to service your FINANCIAL SERVICES needs INCLUDING LIFE & HEALTH AND Commercial & Personal lines insurance.
For more information, contact the Delsan Group.
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