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Keeping your Car Running During COVID-19 | March 1, 2021

While spring might be just around the corner, it is still decidedly winter in many parts of the country. Since many of us remain at home as lockdowns and COVID-19 restrictions continue, we might not be driving the car as much as we used to be. Having a vehicle sitting idle without taking the proper precautions can be problematic and cause it not to be working in tip-top shape when you decide to turn it over for the first time in a while. The last thing you want is to hop in the car to grab groceries or do curbside pick-up from your favourite local business and be met with the sound of an engine that won't start.

Care for your Battery

Even if you aren't going anywhere, you should try and turn your car on at least once a week. Going too long without having your car running could cause the battery to die and making it unable to turn on. Modern vehicles have many different electronic systems, so running it for at least 15 - 20 minutes once a week will help to keep the battery working and systems in your car operational. If you are letting your vehicle idle, don't forget to move it to the driveway first if it is the garage.

Check your Tire Pressure

Tires naturally lose air when they sit, especially in the winter months. When a vehicle's weight is sitting on one spot due to idleness, flat spots can develop in your tires. Low tire pressure, combined with cold weather, can also contribute to the development of flat areas, so it's imperative right now to check your tire pressure and ensure that they are inflated to factory specifications. If you aren't sure how much to inflate them, consult your owner's manual.

Watch for Rust

Added moisture and salt that comes along with winter can cause rust. When you drive regularly, the rust that forms on key areas of your car, like the brakes, gets automatically cleaned off. However, if you're not driving regularly, that rust can go unchecked and accumulate and cause further problems with your braking system. If you don't need to store your car on an angle, try not to leave your parking brake engaged for an extended period. This can cause the brake pads to bind to the rotors, leading to a much more severe issue.

Keep up with your Regularly Scheduled Maintenance (as much as possible)

Just because you aren't driving as much as you used to doesn't mean that your car doesn't still need to be maintained. Monitor your mileage and continue to get regular oil changes and tune-ups as needed while still adhering to the pandemic guidelines in your area. Car repair is deemed an essential service, but be sure to call ahead and ask about any new COVID policies they have put in place since you were last there.


Preparing for a Hurricane | September 18, 2020

With hurricane season ramping up in Atlantic Canada and in anticipation of Hurricane Teddy, Insurance Bureau of Canada (IBC) is reaching out with tips and advice to help keep your family and property safe.

IBC's Top 10 tips to prepare for a hurricane are:

  1. Create an emergency preparedness plan for your family.
  2. Assemble disaster safety kits for your home, car and office
  3. Secure any loose patio furniture, trampolines and barbecues when a storm is on its way.
  4. Protect or move property that might be damaged by flying debris.
  5. Prepare a detailed home inventory.
  6. Charge handheld electronics and have back-up power sources available.
  7. Have someone check your property if you are away.
  8. Make sure downspouts are clear of debris and direct water away from your home.
  9. To protect against flooding caused by torrential rain, install a sump pump, backwater valve or backflow valve.
  10. Check with your insurance representative to make sure you have appropriate coverage.

Should you need to make a claim please contact our claims promise line. 


Storm Season | Emergency Kit

​When a natural disaster occurs, it can take first responders as long as 72 hours to reach people in non-critical situations. Prepare yourself ahead of any hurricane, tropical storm, tornado, flash flooding or electrical outage with an Emergency Kit.

​10 Things to Include in an Emergency Kit

Public Safety Canada recommends that you keep a basic home emergency kit containing the following items to help you survive a disaster:​

  1. Water | 2 litres of water per person, per day (small bottles are easier to carry in case of an evacuation order).
  2. Food | Canned food, energy bars and other non-perishables
  3. Manual can opener.
  4. Flashlight and batteries.
  5. Battery-powered or wind-up radio and extra batteries.
  6. First aid kit.
  7. Special needs items | Prescription medications, infant formula and equipment for people with disabilities.
  8. ​​Extra keys for your car and house.​
  9. Cash | Include smaller bills and change for pay phones 
  10. Emergency plan | Include a hard copy of your emergency plan and ensure it lists in-town and out-of-town contacts

​Remember to check the expiry date of applicable items such as medications and infant formula on an annual basis and replace items as necessary.​

Source: IBC 


Protection and Prevention Guidance for Hurricane Teddy | September 18, 2020

During the Storm

Your safety is our first concern. Please follow these tips to stay safe.

  • Stay Inside. The inside of a building is the safest place during a windstorm. Stay away from windows. Move to a small interior room such as a closet, bathroom, or under a flight of stairs.
  • Watch for water intrusion. Do not attempt to shut off electricity if any water is present. Water and live electrical wires can be lethal. Move to upper floors and stay out of water.
  • Listen for updates. If you’re told to leave your home, be sure to follow the recommended evacuation routes and never take shortcuts

After the Storm

  • Keep out of any standing water. Hazards from floating debris, sewer contamination, live electrical wires, and slippery footing can make wading in flood waters extremely dangerous.
  • Return when it’s safe. Head home only when emergency authorities have advised you it is safe to do so.
  • Keep the power off. Do not turn on the power in your home after significant water damage. Ask your hydro company for assistance.
  • Record the damage. If possible, record details of any damage before you clean up. Take photos or video to help with your insurance company’s assessment.

Reporting Claims

To report a claim during this time please contact us via one of the following options:

Promise Line: 1-800-561-7222

Fax: 1-866-379-9887

Website: Submit an Auto Claim / Submit a Property Claim 


Stay at Home Payment | June 8, 2020

Pembridge Insurance announced a second automatic “Stay at Home Payment” to help its personal auto insurance customers.  This is the latest in a number of relief measures offered to help customers impacted by the COVID-19 pandemic. You are not required to apply or request this payment.  It will be automatically available to policy holders who have an active auto policy as of July 6th. The cheque payment will be made in August.  See the full details here.


Stay at Home Payment Updated FAQs | June 8, 2020

What is the “Stay at Home Payment”?

It's a payment to our personal auto insurance customers, the latest in a number of relief measures offered by Pembridge to help customers impacted by the COVID-19 pandemic.

Why was it created?

It's simply the right thing to do.

It is our attempt to compensate customers for the restrictions, changing business practices and financial burden imposed by the COVID-19 pandemic.  Our customers are staying at home to help prevent the spread of the virus and care for themselves and their families. As a result, customers are driving less and filing fewer claims. We remain committed to putting our customers first and supporting them with strength, experience and care. Our Stay at Home Payment is part of that commitment to you.

Who received the first “Stay at Home payment”?

Customers who had an active automobile policy with us as of April 8, 2020 qualified to receive a stay at home payment from us in May.  This payment applied to personal automobiles such as cars and SUV’s (recreational vehicles such as motorcycles and snowmobiles did not qualify.)  If you had an active policy with us as of April 8th, 2020 and did not receive your “Stay at Home Payment” cheque by June 15, 2020 please contact us at 1.877.736.2743.                                                                                                        

How can I qualify for the second “Stay at Home payment”?

All customers who have an active automobile policy with us as of July 6, 2020 and whose account is in good standing (account is not overdue) will qualify to receive this payment. All personal automobiles such as cars and SUV’s will qualify, including motorcycles. Recreational vehicles such as snowmobiles are excluded. There is no need to call in to request or qualify for this payment.

I made arrangements with Pembridge and Pafco to defer my payment for July, am I still eligible?

Yes, customers who made arrangements with us to defer payments due to COVID-19 are eligible if they have active automobile policies as of July 6, 2020 and are in good standing (no other amounts or charges other than the deferred premiums are owing as of July 6, 2020).

What do I need to do to get the “Stay at Home Payment”?

A cheque will automatically be mailed to all customers who qualify. There is no need to call in to request or receive the payment.

How much is the payment?

Each  customer who qualifies for the second “Stay at Home Payment” will receive a payment amount equal to 25% of 1/12th of their annualized personal automobile or motorcycle premium on July 6, 2020, (inclusive of all policy changes made prior to this date.) Please note that there is no payment for home or other miscellaneous vehicles.

When will I receive this payment?

All customers who qualify for the second stay at home payment can expect to receive a cheque in the mail in August. There is no need to call in to request or receive the payment.

Can the payment be applied directly to my policy?

No. All customers who qualify can expect to receive a cheque via mail in August 2020.

Are you giving payments for other lines of insurance?

No.  While we are seeing a reduction of kilometers driven and claims filed for personal vehicles since the pandemic, we are not seeing a similar trend in our other lines of business such as home insurance.

Does my vehicle need to carry specific coverage to qualify for the Stay at Home Payment, such as liability coverage?

No, all customers who have an active automobile policy with us as of July 6, 2020, and are in good standing, will qualify to receive this payment regardless of the type of coverage you have on your vehicle (this includes vehicles with suspended or parked coverage).

If I made a change to my coverage such as parking my vehicle, how is the payment calculated?

The “Stay at Home Payment” amounts are based on a customer’s monthly premium amount in force on April 8, 2020 and July 6, 2020.  If the coverage change occurred before these dates, the payment will be calculated based on the adjusted annual premium. If the change occurs after July 6, 2020, the payment will be calculated based on the annual premium before the coverage change.

I cancelled my auto policy prior to July 6, 2020 will I still be eligible for the second “Stay at Home Payment”?

To qualify for the second “Stay at Home Payment”, a customer must have an active automobile insurance policy with us on July 6, 2020 and have an account in good standing. Customers who cancelled their policies prior to this date will not be eligible.

Can you direct deposit my “Stay at Home Payment”?

We are working to get these payments issued to our customers as quickly as possible.  Sending the payment by cheque is a preferred method, as it will get the money into the hands of customers as quickly as possible.

Can you forward my cheque to a different address?

The cheque will be sent to the address on your policy. If you wish to redirect your mail please contact your postal service.

Will I continue to receive these “Stay at Home Payment” for the duration of the pandemic?

We are continually reviewing our offerings to customers to find additional creative and tailored solutions that can help relieve the financial burden caused by the COVID-19 pandemic. 


Coverage Notice | May 14, 2020

If you chose to suspend or remove road coverage on your policy while not using your vehicle, you must reinstate or add coverage before driving your vehicle. Please contact your Broker to have coverage restored or added.


Stay at Home Payment | April 8, 2020

Pembridge Insurance announced an automatic “Stay at Home Payment” to help its personal auto insurance customers.  This is the latest in a number of relief measures offered to help customers impacted by the COVID-19 pandemic. You are not required to apply or request this payment.  It will be automatically available to policy holders who had an active policy as of April 8th. The cheque payment will be made in May.  To see the full details of the payment please read the press release.