COVID-19 Relief Measures From Our Insurance Partners


Updated May 27, 2020

In these challenging and uncertain times, many of our insurance partners are making an effort to alleviate the burden on their clients by offering them relief programs. Some of these come in the form of deferred payments, waived NSF fees, adjusted premiums, rate reductions, and even one-time payments. Please stay tuned as we keep updating the list as more information is released.


Aviva announced a temporary minimum rate reduction of approximately 15% per vehicle to those who notify Aviva that they are driving less due to the pandemic. There is now no need to inform them once your driving situation has changed as they will automatically apply the rate for 90 days for requests made before May 31, 2020. They also implemented a freeze on insurance premiums at renewal for their auto insurance clients which applies to all policies with renewal dates on or after April 17, 2020. Exclusions apply for clients who have had significant loss or traffic violation activity. In addition, Aviva is also offering waived NSF fees, payment deferrals of up to 90 days for those unable to pay due to COVID-19, and continued coverage to avoid cancellations.


CAA is introducing a $100 Relief Benefit for clients with an active auto policy in effect before May 1, 2020. The benefit will be applied automatically with no action required from the client. In addition, CAA previously announced a 10% rate reduction for home and auto policies available for new and existing customers. This reduction will be available for the duration of the 12-month policy term and can be combined with other cost-saving measures. CAA is also offering their pay-as-you-go payment plan, CAA MyPace, with no additional fees and/or penalties so you only pay for the kilometres you use.


Echelon announced adjustments in auto insurance premiums to align with vehicle usage. Customers who have been driving less frequently due to COVID-19 can request to reduce the mileage associated with their policy for a premium reduction of up to 15%.

Customers who are no longer using their vehicles can request to remove all but comprehensive coverage from their policy so long as their vehicle is parked and safely stored. This adjustment will result in a premium reduction of up to 80%. In addition, Echelon will not be applying planned rate increases for the next three to six months.

They are also extending the grace period on renewals and payment dates, waiving NSF fees, and suspending cancellations for a period of time.


Economical announced an Enhanced Annual Kilometres Discount allowing drivers to amend their annual kilometres to receive on average, up to 15% off their premium until June 30, 2020. They are also offering payment deferrals, waived NSF fees, and payment plan adjustments to update the method or frequency of payments.

Gore Mutual

Gore Mutual announced that personal auto insurance clients will receive a one-time payment equivalent to 20% of three months’ premium. All clients with active personal auto policies as of April 9th will be automatically sent a cheque. Gore Mutual has also suspended all cancellations for non-payment and NSF fees until April 30, 2020. After that, they will explore flexible payment options on a case-by-case basis.

Intact and Jevco

Intact announced a premium reduction of 15% on average for three months when customers update their driving habits. Intact customers can apply through this online form. Jevco customers can apply through this online form. In addition, Intact is also waiving the 1,000 KM requirement for clients on My Drive and My Driving Discount. Intact and Jevco are waving NSF fees and allowing payment deferrals until the end of April and will then be reviewed on an ongoing basis.

Pembridge and Pafco

Pembridge and Pafco announced that clients with an active personal auto policy effective April 8, 2020 will receive a one-time payment of about 25% of one month’s premium. There is no need to apply for this benefit. Eligible customers will automatically receive a cheque in the mail in May 2020.


RSA Insurance’s NSF fees and reinstatement fees occurring after March 16, 2020 will be waived until further notice. Impacted clients may have access to flexible payment options.

SGI and Coachman

SGI and Coachman are allowing flexibility with payments by offering a one-month deferral or ability to switch payment plans with no penalty fee. In Ontario, where a state of emergency has been declared, there will be no cancellations if your policy expires during the emergency situation or due to non-payments during the emergency situation for a period of up to 30 days past the end of the emergency situation. However, the extension will not be more than 120 days in total following the expiry or termination of your policy.

Travelers and Chieftain

Travelers launched a Stay-At Home Auto Premium Credit Program wherein all personal auto customers automatically get 25% credit on one month’s premium either on a future bill or by mailed cheque. Travelers and Chieftain will not charge NSF fees and will suspend cancellation and nonrenewal of coverage due to nonpayment through May 15, 2020.


Unica announced a COVID-19 Premium Relief Fund equivalent to 15% of three months’ premium that will be applied to all active Private Passenger Automobile policies. Payments will be distributed automatically, with no action required from the client, starting May 22, 2020. They have also waived NSF fees since mid-March and are flexible with payment and coverage requests.

Additional Relief

While our insurance partners do their best to provide relief and support to their clients during this difficult time, there are still a number of ways you can reduce your premiums. You may be able to update your annual mileage, suspend your coverage, or switch to usage-based insurance. Each situation is unique, so we suggest you contact your PrimeService broker at 905-886-7277 today to find out which option works best for you.

Read more on our COVID-19 updates here.

By Katia Barretto