Personal Insurance

To add a group discount, you should contact a Marsh representative who will guide you through the process. You may need to provide proof of your membership or employment within the eligible group.

Qualification for a group discount depends on your affiliation with an organization, association, or group that has a partnership with Marsh. The specifics may vary, so it's best to contact Marsh directly for detailed information.

Once your group discount is approved, it should be reflected in your policy documents or billing statements. If you're unsure, you can always reach out to Marsh to confirm.

Yes, the group discount typically applies to both home and auto policies as part of Marsh's Group Home and Auto Insurance Programs. However, certain restrictions may apply based on your specific situation, so please verify with a Marsh representative.

There are a number of factors that can influence the premium you pay. 

We take these into account when calculating your premiums to ensure they accurately reflect your specific circumstances. These factors may include:

• Driver details – address, date of birth, driver's license. 
• Car details – type, engine size, model, year. 
• Frequency – how often the car is driven. 
• Use of the car – commercial or personal. 
• Modifications made to the car. 
• The level of coverage you want. 
• Claims history.
• Discount Eligibility. 

While home insurance is not a legal requirement in Canada, it's highly recommended for several reasons.

1. If your home is mortgaged, lenders will usually require you to have home insurance. 
2. Home insurance provides financial protection against unforeseen risks and perils like fire, theft, or damage due to weather events. It also offers coverage for personal valuables inside the house. 
3. Liability coverage included in home insurance policies can protect homeowners from financial loss if someone is injured on their property and decides to sue.

The amount of home insurance you need depends on the value of your home and personal belongings. Generally, your coverage should be sufficient to cover the cost of rebuilding your home and replacing your belongings in case of a total loss. Increasing your liability coverage limits is an inexpensive way of protecting your wealth and your family.

Yes, car insurance is mandatory in Canada, with each province and territory having specific requirements for minimum coverage. Compliance with these requirements is essential for legal and financial protection.  

Car insurance coverage in Canada typically includes Liability Coverage, Accident Benefits Coverage, Collision Coverage, Comprehensive Coverage, Uninsured/Underinsured Motorist Coverage, and Family Protection Coverage.

Optional endorsements are available. Contact us at +1 888 992 9160 to learn more.

In Canada, home insurance should ideally be arranged before closing on a property or signing a lease on an apartment. This is because most lenders or landlords require proof of insurance before providing a mortgage or rental agreement.

If you already have home insurance, it's crucial to review your policy annually or when significant life events occur. These events could include renovations, major purchases, or changes in lifestyle. This ensures that your coverage adequately reflects your needs and that you're not overpaying for unnecessary coverage.