Frequently Asked Questions

Q. Insurance is insurance. What makes Echelon different?

A. Our products and our people make us different. Echelon has developed products for people with unique situations or circumstances. You’ll rarely hear “we don’t do that” from Echelon. What you’ll hear is “give me more information, and we’ll see what we can do”.

Q. How do I find out if I qualify for your insurance?

A. Use the “Locate Broker” or “Locate Agent” function in the top right of our website. Call your local broker/agent and tell him/her that you want to talk about Echelon Easy Insurance products.

Q. What are my payment options?

A. For most products, payment may be made by cash, certified cheque, money order, Visa, Master Card, or Monthly Payment Plan. Post dated cheques and partial payments are not accepted. For more information please contact your agent or broker.

Q. What happens if I make a change during the policy term?

A. If you add a driver or another vehicle, your premium amount may change. This change may alter your premium amount and therefore your monthly payments. You will be notified of any changes in your remaining payments.
If you are on a Monthly Payment Plan and a return premium results from a policy change, the return premium will be calculated, and applied to the next installment(s). If you are on a Full Payment Plan a refund will be issued.

Q. How can I change my payment schedule?

A. Your payment schedule can only be changed on renewal. You need to submit completed forms and signed banking information a minimum of six weeks prior to renewal. Contact your agent or broker for complete details.

Q. What happens if I change my bank or bank account?

A. If you change banks or bank accounts while using the Monthly Payment Plan, contact your agent/broker immediately. You will need to provide a new authorization form and void cheque.

Q. My policy was cancelled. When will I be receiving my refund?

A. Refunds are held for a minimum of ten business days from your last payment date, to ensure that the payment is received and has cleared your bank account.

Q. What happens if my cheque is not honoured by my Financial Institution (NSF)?

A. A payment default will result in the cancellation of your policy for non-payment and an administration fee will be applied. If your policy qualifies for and is on a Monthly Payment Plan, our Financial Institution will make a second attempt to process the payment. If the second attempt is also returned as an NSF, the policy will be cancelled for non-payment and an administration fee will be applied; subject to regulations.