FAQ – Pay My Bill

PAY FOR MY INSURANCE:

  1. How do I make payments using online banking?
  2. How do I make payments online with my credit card?
  3. What is your mailing address? Your fax number?
  4. Can I send post-dated cheques?
  5. What happens if non-sufficient funds (NSF) in my bank account delay my payment?
  6. What payment plans do you offer? How do they work?
     

REQUEST CHANGES TO MY BILLING PLAN:

  1. How do I change my payment plan?
  2. How do I change by banking information?
  3. Can I change my withdrawal date?
  4. Can I pay in advance?
  5. Can I defer my payment?
     

MANAGE MY INSURANCE POLICY & COVERAGE

  1. How do I make changes to my insurance coverage?
  2. What if I lose my policy documents?
  3. How can I cancel my insurance policy?
  4. How and when will I receive my refund?
  5. My insurance policy was cancelled. Can I make a payment to reinstate it?
     

CAN’T FIND THE ANSWER THAT YOU’RE LOOKING FOR?

Please give us a call.

We’re here to help you with your insurance bill Monday to Friday, from 7:30am to 7:30pm EST.

RSA Insurance and Canadian Northern Shield (CNS): 1-800-366-0646

Western Assurance: 1-800-263-4442

 

FAQ – MY BILL

PAY FOR MY INSURANCE:

1. HOW DO I MAKE PAYMENTS USING ONLINE BANKING?

Follow these 3 simple steps:

  • Log into your banking institution’s website.
  • Set up RSA/WA as a ‘payee’ using your policy number as the account number.
  • Follow the instructions to fill in the mandatory fields and submit the payment.

Here are some important points to keep in mind:

  • When adding the ‘payee’ name, use:
    • For RSA: ROYAL & SUN ALLIANCE INS.CO.OF CDA
    • For Western Assurance (WA): WESTERN ASSURANCE COMPANY
  • The format for the account number is 00AAA000000000. For example, a WA policy would appear as: 68WAH123456789.
  • Do not include any spaces or additional characters in the account number.
  • If you have multiple policies, each policy will need to be set up as a separate account.
  • If you need further assistance, contact your banking institution's customer service team.

​2. HOW DO I MAKE PAYMENTS ONLINE WITH MY CREDIT CARD?

In order to make credit card payments online you must have a:

  • Personal or commercial insurance policy with RSA, Western Assurance, or CNS
  • 1-pay, 2-pay, or 3-pay installment payment plan attached to this policy
     

Simply go to one of our websites below and click Pay My Bill:

Remember to keep your policy number handy – you’ll need this information to process your payment.

It’s simple, safe and we’ll issue you a receipt in seconds.

3. WHERE DO I MAIL MY CHEQUE PAYMENT?

Please mail your cheque payment to the insurance company on your policy document:

RSA Insurance

PO BOX 792

STATION AGINCOURT

SCARBOROUGH ON M1S 5T6   

 

Western Assurance (WA)

PO BOX 790

STATION AGINCOURT

SCARBOROUGH ON M1S 5T5

 

Canadian Northern Shield (CNS)

PO BOX 794

STATION AGINCOURT

SCARBOROUGH ON M1S 0E6

 

Be sure to note your insurance policy number and your name when mailing your payment to us.

4. CAN I SEND POST-DATED CHEQUES?

There may be important changes that occur between the time you send us post-dated cheques and when they are ready for cashing. For example, you could change bank accounts, or you may make a change to your policy which changes your premium rate.

To avoid additional inconvenience to you, we do not accept post-dated cheques.

If you’re looking for a convenient way to automate your future payments,you can easily set up post-dated payments using online banking to make sure that you pay your premium on time. Click here to learn more about online banking.

You can also speak to your broker about switching payment options to our monthly bank deduction payment plan.


5. WHAT HAPPENS IF NON-SUFFICIENT FUNDS (NSF) IN MY BANK ACCOUNT DELAY MY PAYMENT?

We follow the payment plan that you set on your insurance policy.

It’s important to choose a payment plan for your insurance policy that works well for you.

Speak to your broker to select the best payment plan for your insurance policy.


Monthly preauthorized bank withdrawal plan:

Payments are withdrawn automatically from your bank account on a predetermined schedule. If there are insufficient funds in your bank account, your account is inaccessible, or your banking information is inaccurate we may not be able to process the payment.

If this happens, we take the following additional step with your bank to try and process your payment:

  • Retry withdrawal 2-6 business days from your scheduled payment date.

A $50.00 admin fee is applied to your policy if:

  • The retry attempt in your bank account is also unsuccessful
  • Withdrawal from your account is rejected for other reasons e.g. you issue a stop payment, your account is closed, your account is frozen etc.

Your insurance policy may be subject to cancellation if two automatic bank withdrawal attempts are unsuccessful during your policy term.

 

Payments made by cheque:

If your cheque payment is returned to us unprocessed due to insufficient funds, account closure, stop payment etc. a $50.00 admin fee is applied to your policy.

IMPORTANT:

Recurrent payment delinquencies may result in the cancellation of your insurance policy.

They may also affect your insurance profile.

 

If your insurance policy has been cancelled, please contact your broker directly. They will work with you to pay off any outstanding balance, and reinstate your policy or source a new insurance policy that works well for you.

 

Late making your payment?

Make a payment now using online banking

Make a credit card payment now.


6. WHAT PAYMENT PLANS DO YOU OFFER? HOW DO THEY WORK?

Speak to your insurance broker about payment plans available on your policy.

 

REQUEST CHANGES TO MY BILLING PLAN:


1. HOW DO I CHANGE MY PAYMENT PLAN?

Contact your broker directly to change to a payment plan that works better for you and is applicable to your policy.


2. HOW DO I CHANGE MY BANKING INFORMATION?

Scan us a void cheque by email or fax and we’ll be happy to process this change.

Instead of a void cheque, you can also send us an authorization form from your bank.

Please make sure that the cheque image is easy to read before sending it.

  • Email us: [email protected] (Note – this email address is not a general mailbox)
  • Fax us: 1-866-594-8443 or 905-403-3319

3. CAN I CHANGE MY MONTHLY BANK DEDUCTION WITHDRAWAL DATE?

Please call us and we’ll be happy to set an alternate date with you.

We’re here to help you Monday to Friday, from 7:30am to 7:30pm EST.

RSA Insurance and Canadian Northern Shield: 1-800-366-0646

Western Assurance: 1-800-263-4442


4. CAN I PAY IN ADVANCE?

Going to be away and don’t want to miss a payment?

You can set up post-dated payments using online banking to make sure that you pay your premium installment on time. Click here to learn more about online banking.

Tip: Your premium payments are calculated based on the type of plan that you chose. If you would like to make one-time advance payments on your policy that are outside of the terms of your payment plan, this may alter your premium payment schedule. If you want to change your payment plan for all future payments, please contact your broker directly.


5. CAN I DEFER MY PAYMENT?

We follow the payment plan that you chose for your policy with your broker.

If you would like to change your payment plan, please contact your broker.

It’s best not to miss your payment.

Late payments may result in fees or policy cancellation.

MANAGE MY INSURANCE POLICY & COVERAGE:

1. HOW DO I MAKE CHANGES TO MY INSURANCE COVERAGE?

Please contact your broker directly to discuss changes to your insurance coverage.

It is important to ensure that you have the right coverage for your valuable assets.


2. WHAT IF I LOSE MY POLICY DOCUMENTS?

Your broker will have your updated policy documents. Please contact your broker directly who will be happy to send you another copy.


3. HOW CAN I CANCEL MY INSURANCE POLICY? HOW DO I REINSTATE MY CANCELED POLICY?

Please contact your broker directly.

Tip: To best insure your valuables, it is important that there is no lapse time in between insurance policies.


4. HOW AND WHEN WILL I RECEIVE MY REFUND?

When you call your broker to cancel or change to your policy, your broker will be happy to discuss options for processing any refunds on your account.


5. MY INSURANCE POLICY WAS CANCELLED. CAN I MAKE A PAYMENT TO REINSTATE IT?

If your insurance policy has been cancelled, please contact your broker directly. They will work with you to reinstate your policy or source a new insurance policy that works well for you.

 

CAN’T FIND THE ANSWER THAT YOU’RE LOOKING FOR?

Please give us a call.

We’re here to help you with your insurance bill Monday to Friday, from 7:30am to 7:30pm EST.

RSA Insurance and Canadian Northern Shield (CNS): 1-800-366-0646

Western Assurance: 1-800-263-4442