ALERT - MacLeod Lorway Update - COVID-19 April 2020

Updated as of May 21, 2020


What relief is provided by my insurer?

Based on announcements made by each of our insurer partners, some premium relief for auto insurance is available from all of our partner insurers, but its main target is those individuals who are simply not driving at all and removing road coverages during this pandemic.  Discounts could be seen for amending mileage, but they may not be significant.  We would be happy to discuss your options.

As details continue to be provided by our partners, we will update the changes here.



Starting May 21, customers who notify us that they’re driving less than before will see a temporary minimum rate reduction of approximately 15% per vehicle. This is an extension of our previous announcement where we were offering a rate reduction of up to 15%.  We’re also removing the requirement for customers who’ve informed us that they’re driving less to notify us once their driving situation has changed. Instead, we’ll apply the rate reduction for 90 days automatically for all changes effective prior to June 15, 2020.  This rate reduction is available for all qualifying private passenger vehicles where the customer is driving less, including those currently rated as pleasure use, customers who are commuting to work but driving significantly less, and all driving classes (including underage principal drivers). The size of rate reduction will continue to reflect the magnitude of the usage reduction – larger reductions in vehicle use will result in larger premium reductions.

For seasonal risks, the visitation requirement will be suspended if the client is not permitted to do so.


CAA is offering a 10% discount on upcoming home and auto insurance renewals AND new business. CAA Insurance is currently working with the regulatory bodies to get this approved. More details will be provided in the coming weeks, we are uncertain of what date this will start for renewals, how long it will last, or when it will become effective for new business. You can visit their site for more information.


Economical is not offering any changes in underwriting criteria or direct rebates due to the COVID-19 situation.  We expect to hear more from them shortly.



On May 15, 2020, we will start mailing our “Stay at Home Payment” cheques to all customers who have an active automobile insurance policy with us as of April 8, 2020. Customers can expect to receive their payment by the end of May. Customer FAQs have been updated on the homepage of the website. There is no need to call us to receive or request this payment.

Each customer who qualifies for the “Stay at Home Payment” will receive a payment of 25% of 1/12th of their annualized auto premium as of April 8, 2020, including all policy changes made prior to this date. Premiums for property, motorcycles and other miscellaneous vehicles are not included. Please note the annual premium amount is subject to any mid-term endorsement changes.



RSA is offering reduced premiums to those who are driving or commuting less, or who are no longer using their vehicles due to the pandemic. Customers should contact their broker or insurance representative to make the changes in their auto coverage. The company is also offering flexible payment options, payment deferrals, and other forms of payment support for those suffering from financial hardship.

Personal auto insurance customers using their vehicles temporarily for delivery services (i.e. for pharmacies, restaurants, grocery stories, or as part of an app-based food delivery service) will be given coverage by RSA Canada. This additional coverage will not change the customer’s premium.



Travelers has launched the Stay-at-Home Auto Premium Credit Program, which will provide a 25% credit on one month’s premium.   This credit is automatic and there is no action required by you.  Customers will receive the credit automatically either on a future bill or via a mailed cheque.



Wawanesa is not offering any changes in underwriting criteria or direct rebates due to the COVID-19 situation at this time, however they have communicated with regulators and delayed or deferred automobile insurance increases.







Updated as of April 9, 2020


As with the rest of the world, we are watching and monitoring the global spread of the Corona virus with great concern for the health and safety of our staff and clients.

In an effort to protect our clients and coworkers from the spread of COVID-19, we continue to be closed to walk-in traffic at this time.

Please continue to call or email our offices for assistance rather than visit in person.

Many of our insurers are offering assistance in the form of premium relief or rebates.  If you have questions about this, please email us at so that we can review your file for you as each case will be different.


We ask that you consider the following:
• Payments do not need to be made in the office. Online payments can be made directly on your company’s website ; by telephone banking; by e-transfer or by calling our office with your credit card number. If you need any help making your payment, please call our office for assistance.
• Sales, policy changes and inquiries can be made by telephone or email. We are able to send you any of your insurance documents, including your liability card or certificate of insurance, via email.

If you have a claim to report, please contact your broker.  After hours, claims can be reported by calling your insurer directly or, if you need assistance, you can call us at 1-800-463-6665. We thank you in advance for your cooperation.

We appreciate your cooperation and understanding as this situation unfolds and commit to communicating any changes to our current plan.

Contact information for our offices is:

Sydney: 902-539-6666/800-463-6665
Glace Bay: 902-849-4585
North Sydney: 902-794-4333/800-656-4336
Baddeck: 902-295-3262/800-656-4336
Port Hawkesbury: 902-625-0177/877-755-0177
Guysborough: 902-533-2005/877-363-6766
New Glasgow: 902-755-1550/877-755-1550
Dartmouth: 902-464-4000/888-707-8461
Kentville: 902-678-3219/800-998-9079