Discounts & How To Save Money

Discounts & How To Save Money

Different insurers offer different discounts. That’s why we shop the marketplace for you!

We know you want to save money. We are insurance brokers, and it’s our business to find the best possible insurance policies for the best possible prices.

See below for some of the most common discounts that will help you save money on your next policy.

HOME-CONDO-TENANT DISCOUNTS

Can I qualify for a discount based on age?

A mature owners’ discount is possible when you’re as young as forty-five.

What about a discount for having your home and auto policies with the same insurer?

Available to all our clients.

Can I qualify for an alarm discount?

Certain alarm types offer varying discounts.

What about a higher deductible discount?

It can help reduce your premium.

 

Can I qualify for a claims-free discount?

We may be able to get you a claims-free discount even if you’ve only been claims-free for three straight years.

What about a newer home discount, even if my home isn't all that new?

We can possibly get you a discount with some of our markets even if your home was built as far back as 1980.

What about a loyalty discount?

Discounts are available for loyalty.

What about a discount for having resided in the same residence?

This discount is available for owners who have resided in the same property for over six years.

What about a mortgage/line of credit-free discount?

You can save up to 20% if you have paid off your mortgage and have no line of credit.

Please note: Some discounts are only available on owner-occupied properties. Discount percentages and criteria thresholds may differ, as many rating factors act together to determine the final premium.

MARINE DISCOUNTS

Can I get a discount based on age?

It’s possible to get mature owners discount when over 50.

Can I qualify for a claims-free discount?

Claims free discounts are available.

Can I qualify for a discount based on my boater education?

Discounts can be given for certifications achieved.

Do I qualify for a security discount?

Discounts are available for some theft deterrent devices.

*Discount percentages and criteria thresholds may differ, as many rating factors are acting together to determine the final premium.

Can I qualify for a discount based on my boater experience?

Boater experience is taken into consideration.

AUTO DISCOUNTS

Can I qualify for a discount based on my driver experience?

Driver experience is taken into consideration.

Can I qualify for a multiple vehicle discount?

You may be eligible for a discount on each vehicle.

What about higher deductible discount?

This can help reduce your premium.

Can I qualify for a alarm discount?

Discounts are available for some theft deterrent devices.

*Discount percentages and criteria thresholds may differ, as many rating factors act together to determine the final premium.

Do I qualify for a discount based on age?

You may be eligible if you are over 65.

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Payments

For all Harbord payments (except ICBC).

For more information on ICBC renewals and payments.

How do I find my account number?

You can find your account number at the top of your statement or invoice.