Frequently Asked Questions

We help you stay ahead and informed with these helpful answers on protecting yourself, your home, business and more.

What is a risk profile? Who determines a risk profile?

A risk profile is an analysis of whether a pool of consumers present a high or low risk, based on factors such as their driving habits, claims history and more. Insurance companies identify these and then create policies for customers based on this information.

Recent FAQ

Motor Claims – Own Damage (OD)

What should I do if I am involved in an accident?

Stay calm and lodge a police report within 24 hours, as is required by law. Then, you may call our hotline (1-800-88-2121) for further...

What if I cannot afford to pay the excess?

If you are unable to pay the excess, your insurer may refuse your claim or...

Do I need to provide my bank account information for each of my policies?

If you want all your payments to be paid into the same account, you should inform your insurance company of this when submitting...