{"id":32439,"date":"2025-12-17T13:59:44","date_gmt":"2025-12-17T18:59:44","guid":{"rendered":"https:\/\/www.rbcinsurance.com\/en-ca\/?page_id=32439"},"modified":"2025-12-17T13:59:46","modified_gmt":"2025-12-17T18:59:46","slug":"frequently-asked-questions","status":"publish","type":"page","link":"https:\/\/www.rbcinsurance.com\/en-ca\/contact-us\/frequently-asked-questions\/","title":{"rendered":"Frequently Asked Questions"},"content":{"rendered":"<div class=\"yoast-breadcrumbs mar-t mob-mar-t\"><span class=\"rbc-yoast-breadcrum-span\"><span><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/\">Home<\/a><\/span> &gt; <span><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/contact-us\/\">Contact Us<\/a><\/span> &gt; <span class=\"breadcrumb_last\" aria-current=\"page\">Frequently Asked Questions<\/span><\/span><\/div>\n\n\n<div class=\"wp-block-rbc-selection-panel-wrapper selectionPanelWrapper  row menuItems__dropdown mar-t-qtr mob-mar-t-qtr\"><div class=\"selectionPanelWrapper__header\"><h1><span class=\"partial__border-bottom\">Frequently asked questions<\/span><\/h1><\/div><div class=\"selectionPanelWrapper__content\"><div class=\"selectionPanelWrapper__content-left\">\n<div class=\"selectDropdown__wrapper\">\n\t<div class=\"selectDropdown selectDropdown__default  selectDropdown__floating \" \t\tdata-option_name=\"\" style=\"width:100%\">\n\t\t\t\t<button class=\"selectDropdown__button\" aria-haspopup=\"listbox\" aria-expanded=\"false\">\n\t\t\t<span class=\"selectDropdown__title\" data-default_title=\"Online Insurance\">\n\t\t\t\tOnline Insurance\t\t\t<\/span>\n\t\t\t<span class=\"selectDropdown__chevron\"><\/span>\n\t\t<\/button>\n\t\t<ul class=\"selectDropdown__list\" role=\"listbox\" tabindex=\"-1\">\n\t\t\t\t\t\t\t<li\n\t\t\t\t\tclass=\"selectDropdown__list__item selected\"\n\t\t\t\t\tdata-option_value=\"0\"\n\t\t\t\t\trole=\"option\"\n\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t>\n\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\tOnline Insurance\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<li\n\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\tdata-option_value=\"1\"\n\t\t\t\t\trole=\"option\"\n\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t>\n\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\tHome &amp; Auto\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__description\">\n\t\t\t\t\t\t\t\tMenu Item Description\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<li\n\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\tdata-option_value=\"2\"\n\t\t\t\t\trole=\"option\"\n\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t>\n\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\tLife\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__description\">\n\t\t\t\t\t\t\t\tMenu Item Description\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<li\n\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\tdata-option_value=\"3\"\n\t\t\t\t\trole=\"option\"\n\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t>\n\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\tInjury &amp; Illness\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__description\">\n\t\t\t\t\t\t\t\tMenu Item Description\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<li\n\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\tdata-option_value=\"4\"\n\t\t\t\t\trole=\"option\"\n\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t>\n\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\tTravel\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__description\">\n\t\t\t\t\t\t\t\tMenu Item Description\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<li\n\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\tdata-option_value=\"5\"\n\t\t\t\t\trole=\"option\"\n\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t>\n\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\tCredit &amp; Loan\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__description\">\n\t\t\t\t\t\t\t\tMenu Item Description\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/li>\n\t\t\t\t\t<\/ul>\n\t\t\t<\/div>\n\t<\/div>\n<div class=\"selectionPanelWrapper__menuItems\"><div class=\"selectionPanelWrapper__menuItem\" tabindex=\"0\">Online Insurance<\/div><div class=\"selectionPanelWrapper__menuItem\" tabindex=\"0\">Home &amp; Auto<\/div><div class=\"selectionPanelWrapper__menuItem\" tabindex=\"0\">Life<\/div><div class=\"selectionPanelWrapper__menuItem\" tabindex=\"0\">Injury &amp; Illness<\/div><div class=\"selectionPanelWrapper__menuItem\" tabindex=\"0\">Travel<\/div><div class=\"selectionPanelWrapper__menuItem\" tabindex=\"0\">Credit &amp; Loan<\/div><\/div><\/div><div class=\"selectionPanelWrapper__content-right\">\n<div class=\"wp-block-rbc-selection-panel selectionPanel\"><div class=\"selectionPanel__content\">\n<div class=\"wp-block-rbc-faq faq\"><div class=\"faq__header\"><h2>Login &amp; Enrolment<\/h2><\/div><div class=\"faq__content\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlet292wikk\" class=\"collapse-toggle collapsed\" data-target=\"#accordiont292wikk\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-03ac91d6\" aria-controls=\"accordiont292wikk\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How do I enrol in Online Insurance?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How do I enrol in Online Insurance?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordiont292wikk\" role=\"region\" aria-labelledby=\"accordion-titlet292wikk\"><div class=\"collapse-inner\">\n<ol class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Visit the <a href=\"https:\/\/www4.rbcinsurance.com\/ui\/enrol\/start\" target=\"_blank\" data-dig-id=\"LP-32439-2b09265b\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"enrolment\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">enrolment<\/a> page<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Click Next<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Select either <em>Personal Insurance Policy<\/em> or <em>Group Benefits Policy<\/em><\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Fill out all the information required to create your profile<\/p>\n<\/li>\n<\/ol>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title2j9hczgb\" class=\"collapse-toggle collapsed\" data-target=\"#accordion2j9hczgb\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-0a353ae6\" aria-controls=\"accordion2j9hczgb\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"My middle name is on my policy, how do I enrol in Online Insurance?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>My middle name is on my policy, how do I enrol in Online Insurance?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion2j9hczgb\" role=\"region\" aria-labelledby=\"accordion-title2j9hczgb\"><div class=\"collapse-inner\">\n<ol class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Visit the <a href=\"https:\/\/www4.rbcinsurance.com\/ui\/enrol\/start\" target=\"_blank\" data-dig-id=\"LP-32439-740f1e2b\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"enrolment\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">enrolment<\/a> page<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Click Next<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Select either <em>Personal Insurance Policy<\/em> or <em>Group Benefits Policy<\/em><\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>If you included your middle name when you created your policy, you will need to include it with your first name during enrolment. Otherwise, simply enter your first and last name in the fields provided and complete the prompts on screen to complete enrolment.<\/p>\n<\/li>\n<\/ol>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlegv65tkyl\" class=\"collapse-toggle collapsed\" data-target=\"#accordiongv65tkyl\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-31429f8a\" aria-controls=\"accordiongv65tkyl\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"My policy is under a company name; how do I enrol in Online Insurance?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>My policy is under a company name; how do I enrol in Online Insurance?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordiongv65tkyl\" role=\"region\" aria-labelledby=\"accordion-titlegv65tkyl\"><div class=\"collapse-inner\">\n<ol class=\"wp-block-rbc-list\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Visit the <a href=\"https:\/\/www4.rbcinsurance.com\/ui\/enrol\/start\" target=\"_blank\" data-dig-id=\"LP-32439-2223e484\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"enrolment\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">enrolment<\/a> page<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Click Next<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Select <em>Personal Insurance Policy<\/em><\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Select <em>Company<\/em><\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Enter the details requested (Policy\/Certificate Number, Company Name, Company Postal Code)<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Click Next<\/p>\n<\/li>\n<\/ol>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlecbz2k6rw\" class=\"collapse-toggle collapsed\" data-target=\"#accordioncbz2k6rw\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-2119bdd0\" aria-controls=\"accordioncbz2k6rw\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"I forgot my password, what do I do?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>I forgot my password, what do I do?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordioncbz2k6rw\" role=\"region\" aria-labelledby=\"accordion-titlecbz2k6rw\"><div class=\"collapse-inner\">\n<p>If you&#8217;ve forgotten your password, don\u2019t worry. Visit <a href=\"https:\/\/www4.rbcinsurance.com\/ui\/signin\/recovery\" target=\"_blank\" data-dig-id=\"LP-32439-333bcd37\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"this link\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">this link<\/a>, enter your email address or username, and click continue. If the email\/username you\u2019ve entered matches our records, we will send you an email with instructions on resetting your password.<\/p>\n\n\n\n<p>Please note: You will not receive a link if the username or password you\u2019ve entered does not match our records.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titleae86knp4\" class=\"collapse-toggle collapsed\" data-target=\"#accordionae86knp4\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-482fa284\" aria-controls=\"accordionae86knp4\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"I am trying to reset my password, but I have not received an email with a link\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>I am trying to reset my password, but I have not received an email with a link<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionae86knp4\" role=\"region\" aria-labelledby=\"accordion-titleae86knp4\"><div class=\"collapse-inner\">\n<p>There are a few common reasons you may not have received the password reset link;<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>You will not receive a link if the username or password you\u2019ve entered does not match our records. Try entering a different username or email address that you may have used to enrol with RBC Insurance.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Ensure you are enrolled in RBC Online Insurance. If you have not yet enrolled, you can create an account <a href=\"https:\/\/www4.rbcinsurance.com\/ui\/enrol\/start\" target=\"_blank\" data-dig-id=\"LP-32439-23e3cf09\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"here\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">here<\/a>.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Double check that the password reset email did not end up in your junk or spam folder.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>Make sure you are using the <a href=\"https:\/\/www4.rbcinsurance.com\/ui\/signin\/home\" target=\"_blank\" data-dig-id=\"LP-32439-7f9cc7fd\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"RBC Insurance\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">RBC Insurance<\/a> website to sign in, not RBC Online Banking<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlezty6i9r8\" class=\"collapse-toggle collapsed\" data-target=\"#accordionzty6i9r8\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-6b56adbc\" aria-controls=\"accordionzty6i9r8\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"I received an email with a link to reset my password, but it says the link has expired\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>I received an email with a link to reset my password, but it says the link has expired<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionzty6i9r8\" role=\"region\" aria-labelledby=\"accordion-titlezty6i9r8\"><div class=\"collapse-inner\">\n<p>If your link has expired, you will need to trigger a new one. To do this, follow the steps below;<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Visit&nbsp;<a href=\"https:\/\/www4.rbcinsurance.com\/ui\/signin\/recovery\" target=\"_blank\" data-dig-id=\"LP-32439-ee58156d\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"this link\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">this link<\/a><\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Enter your email address or username<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Click Continue<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>A new email with a link to reset your password will be sent to your email.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titleipqjln5p\" class=\"collapse-toggle collapsed\" data-target=\"#accordionipqjln5p\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-9349735c\" aria-controls=\"accordionipqjln5p\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How do I update my email address on my account?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How do I update my email address on my account?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionipqjln5p\" role=\"region\" aria-labelledby=\"accordion-titleipqjln5p\"><div class=\"collapse-inner\">\n<ol class=\"wp-block-rbc-list\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Login to RBC Online Insurance<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Click on the <em>Profile &amp; Documents<\/em> tab<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>To change the email address used to receive any communications, click the pencil icon beside <em>\u201cCommunications Email\u201d<\/em> to edit<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Click the box beside \u201cI agree to receive emails at this email address\u201d to provide consent to receive communications<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Type the new email address you would like to use<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Click Save<\/p>\n<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>To change the email address used for sign in, click the pencil icon beside <em>\u201cSign-In Email\u201d<\/em> to edit<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Type the new email address you would like to use<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Re-enter the new sign-in email<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>For security purposes, you will also need to enter your current password<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Click Save<\/p>\n<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<\/div><\/div><\/div><\/div>\n<\/div>\n<\/div><\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-selection-panel selectionPanel\"><div class=\"selectionPanel__content\">\n<div class=\"wp-block-rbc-faq-wrapper faqWrapper  menuStyle__enhanced menuItems__dropdown\"><div class=\"faqWrapper__header\"><h2>Make a claim<\/h2><\/div><div class=\"faqWrapper__content\"><div class=\"faqWrapper__content-left\">\n<div class=\"selectDropdown__wrapper\">\n\t<div class=\"selectDropdown selectDropdown__default  selectDropdown__floating \" \t\tdata-option_name=\"\" style=\"width:100%\">\n\t\t\t\t<button class=\"selectDropdown__button\" aria-haspopup=\"listbox\" aria-expanded=\"false\">\n\t\t\t<span class=\"selectDropdown__title\" data-default_title=\"Online\">\n\t\t\t\tOnline\t\t\t<\/span>\n\t\t\t<span class=\"selectDropdown__chevron\"><\/span>\n\t\t<\/button>\n\t\t<ul class=\"selectDropdown__list\" role=\"listbox\" tabindex=\"-1\">\n\t\t\t\t\t\t\t<li\n\t\t\t\t\tclass=\"selectDropdown__list__item selected\"\n\t\t\t\t\tdata-option_value=\"0\"\n\t\t\t\t\trole=\"option\"\n\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t>\n\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\tOnline\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<li\n\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\tdata-option_value=\"1\"\n\t\t\t\t\trole=\"option\"\n\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t>\n\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\tPhone\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<li\n\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\tdata-option_value=\"2\"\n\t\t\t\t\trole=\"option\"\n\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t>\n\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\tExisting claim\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/li>\n\t\t\t\t\t<\/ul>\n\t\t\t<\/div>\n\t<\/div>\n<div class=\"faqWrapper__menuItems\"><ul class=\"menuItems__enhanced\" role=\"tablist\" tabindex=\"0\"><li class=\"faqWrapper__menuItem\" tabindex=\"0\" role=\"tab\" aria-selected=\"false\" id=\"faqWrapper__menuItem_1\"><div class=\"menuItems__enhanced__content\"><p class=\"menuItem__enhanced__name\">Online<\/p><\/div><\/li><li class=\"faqWrapper__menuItem\" tabindex=\"0\" role=\"tab\" aria-selected=\"false\" id=\"faqWrapper__menuItem_2\"><div class=\"menuItems__enhanced__content\"><p class=\"menuItem__enhanced__name\">Phone<\/p><\/div><\/li><li class=\"faqWrapper__menuItem\" tabindex=\"0\" role=\"tab\" aria-selected=\"false\" id=\"faqWrapper__menuItem_3\"><div class=\"menuItems__enhanced__content\"><p class=\"menuItem__enhanced__name\">Existing claim<\/p><\/div><\/li><\/ul><\/div><\/div><div class=\"faqWrapper__content-right\">\n<div class=\"wp-block-rbc-faq faq\"><div class=\"faq__header\"><h3>Submit a claim online<\/h3><\/div><div class=\"faq__content\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<p>To save you time, we&#8217;ve made it easier to submit your claim online.<\/p>\n\n\n\n<p><a href=\"https:\/\/www1.myrbcsso.rbcinsurance.com\/claims\/make-a-claim\/landing?riskType=auto\" target=\"_blank\" data-dig-id=\"LP-27354-943d4e1c\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Start an auto claim online\" class=\"rbc-link-format newwindow-link\" data-icon-class=\"newwindow-link\" rel=\"noreferrer noopener\">Start an auto claim online<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/www1.myrbcsso.rbcinsurance.com\/claims\/make-a-claim\/landing?riskType=property\" target=\"_blank\" data-dig-id=\"LP-27354-0f376342\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Start a property claim online\" class=\"rbc-link-format newwindow-link\" data-icon-class=\"newwindow-link\" rel=\"noreferrer noopener\">Start a property claim online<\/a><\/p>\n\n\n\n<div class=\"rbci-tw-alert bannerNotice\"><div class=\"wp-block-rbc-banner-notice rbc-banner-block-header-div default\"><div><p class=\"rbc-banner-block-header\">Should you make a claim?<\/p><\/div><\/div><div class=\"rbc-banner-block-description-p \"><div class=\"buttonSection\">\n<p class=\"call-link\">For <strong>confidential and anonymous claims advice<\/strong><sup><a href=\"#legal-1\" data-dig-id=\"LP-27354-d3d0f744\" data-dig-label=\"1\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">1<\/a><\/sup>, call <a href=\"tel:+18669538285\" data-dig-id=\"LP-27354-766a89c9\" data-dig-label=\"1-866-953-8285\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">1-866-953-8285<\/a> (Mon-Fri, 9am-5pm, ET).<\/p>\n\n\n\n<p><strong>Note:<\/strong> Available in all provinces and territories except Qu\u00e9bec.<\/p>\n\n\n\n<p>Quebec residents may call <a href=\"tel:+18007692526\" data-dig-id=\"LP-27354-1276209a\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"1-800-769-2526\" class=\"rbc-link-format\">1-800-769-2526<\/a> for questions about their policy and coverages.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-what-to-expect-when-making-a-claim\">What to expect when making a claim*<\/h3>\n\n\n\n<p>Claims advisors are ready to help you make the claims process as quick and easy as possible.<\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titleflhfm52i\" class=\"collapse-toggle collapsed\" data-target=\"#accordionflhfm52i\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-d665c62c\" aria-controls=\"accordionflhfm52i\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Starting your claim\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Starting your claim<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionflhfm52i\" role=\"region\" aria-labelledby=\"accordion-titleflhfm52i\"><div class=\"collapse-inner\">\n<p>You\u2019ll need to provide some details about what happened. Try to make your claim as soon as possible so that your claims advisor can get started on it for you.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlentqscpdq\" class=\"collapse-toggle collapsed\" data-target=\"#accordionntqscpdq\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-074920b6\" aria-controls=\"accordionntqscpdq\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Reviewing your claim\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Reviewing your claim<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionntqscpdq\" role=\"region\" aria-labelledby=\"accordion-titlentqscpdq\"><div class=\"collapse-inner\">\n<p>After reviewing your claim, your claims advisor may decide to handle it over the phone or send an adjuster to assess your claim and give you a time and cost estimate for repairs.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlelh56er3t\" class=\"collapse-toggle collapsed\" data-target=\"#accordionlh56er3t\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-f45569d3\" aria-controls=\"accordionlh56er3t\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Getting back to normal\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Getting back to normal<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionlh56er3t\" role=\"region\" aria-labelledby=\"accordion-titlelh56er3t\"><div class=\"collapse-inner\">\n<h4 class=\"wp-block-heading\" id=\"h-home\">Home<\/h4>\n\n\n\n<p>If you wish, your claims advisor can schedule repairs and any care you need through Aviva\u2019s network of trusted contractors and medical professionals. In fact, your home repairs will be backed by <a href=\"https:\/\/www.aviva.ca\/en\/claim\/claims-service-satisfaction-guarantee\/\" target=\"_blank\" data-dig-id=\"LP-27354-a82fcc21\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Aviva\u2019s lifetime workmanship guarantee\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\" rel=\"noreferrer noopener\">Aviva\u2019s lifetime workmanship guarantee<\/a>.<\/p>\n\n\n\n<p>If you prefer, you can arrange for services through another contractor or medical professional outside of the Aviva network.<\/p>\n\n\n\n<p>*Depending on your claim, you may need to take additional steps or provide more information.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-car\">Car<\/h4>\n\n\n\n<p>If you wish, a claims advisor will schedule repairs and any care you need through our premiere vendor network:<\/p>\n\n\n\n<p><strong>Premiere Auto Repair Centres:<\/strong> Receive quick service and Aviva\u2019s lifetime guarantee.<\/p>\n\n\n\n<p><strong>Premiere Healthcare**:<\/strong> Get the care you need if you\u2019re injured in an accident.<\/p>\n\n\n\n<ul class=\"wp-block-list  list-core-block second-level-inherit third-level-inherit\">\n<li>* Depending on your claim, you may need to take additional steps or provide more information.<br>** Not available in Quebec.<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-faq faq\"><div class=\"faq__header\"><h3>Make a claim by phone<\/h3><\/div><div class=\"faq__content\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<p class=\"mar-b mob-mar-b\">Call us first to make a claim request. Having the policy number handy when you call will help us give you faster service. If you can\u2019t find it, don\u2019t worry\u2014we can still assist you.<\/p>\n\n\n\n<div class=\"wp-block-columns mar-b-qtr mob-mar-b-qtr is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column mar-r-hlf mob-mar-b-hlf has-rbc-bright-blue-tint-4-background-color has-background is-layout-flow wp-container-core-column-is-layout-7781f981 wp-block-column-is-layout-flow\" style=\"border-radius:8px;padding-top:var(--wp--preset--spacing--50);padding-right:var(--wp--preset--spacing--50);padding-bottom:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--50)\">\n<p class=\"mar-b-qtr mob-mar-b-qtr\"><strong>Canada &amp; U.S.<\/strong><\/p>\n\n\n\n<p class=\"mar-b mob-mar-b\"><a href=\"tel:+18007692526\" data-dig-id=\"LP-27354-554d5b5a\" data-dig-label=\"1-800-769-2526\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">1-800-769-2526<\/a><\/p>\n\n\n\n<p>(Toll Free)<\/p>\n\n\n\n<p>Make a claim 24\/7<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column mar-r-hlf mob-mar-b-hlf has-rbc-bright-blue-tint-4-background-color has-background is-layout-flow wp-block-column-is-layout-flow\" style=\"border-radius:8px;padding-top:var(--wp--preset--spacing--50);padding-right:var(--wp--preset--spacing--50);padding-bottom:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--50)\">\n<p class=\"mar-b-qtr mob-mar-b-qtr\"><strong>On a Rogers cell phone<\/strong><\/p>\n\n\n\n<p class=\"mar-b mob-mar-b\"><a href=\"tel:#722\" data-dig-id=\"LP-27354-e8d011d9\" data-dig-label=\"#722\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">#722<\/a><\/p>\n\n\n\n<p>Make a claim 24\/7<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column has-rbc-bright-blue-tint-4-background-color has-background is-layout-flow wp-block-column-is-layout-flow\" style=\"border-radius:8px;padding-top:var(--wp--preset--spacing--50);padding-right:var(--wp--preset--spacing--50);padding-bottom:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--50)\">\n<p class=\"mar-b-qtr mob-mar-b-qtr\"><strong>Outside Canada &amp; U.S.<\/strong><\/p>\n\n\n\n<p class=\"mar-b mob-mar-b\"><a href=\"tel:+19056088945\" data-dig-id=\"LP-27354-2de2c79e\" data-dig-label=\"905-608-8945\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">905-608-8945<\/a><\/p>\n\n\n\n<p>(Collect)<\/p>\n\n\n\n<p>Make a claim 24\/7<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"rbci-tw-alert bannerNotice\"><div class=\"wp-block-rbc-banner-notice rbc-banner-block-header-div default\"><div><p class=\"rbc-banner-block-header\">Should you make a claim?<\/p><\/div><\/div><div class=\"rbc-banner-block-description-p \"><div class=\"buttonSection\">\n<p class=\"call-link\">For <strong>confidential and anonymous claims advice<\/strong><sup><a href=\"#legal-1\" data-dig-id=\"LP-27354-b8f27912\" data-dig-label=\"1\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">1<\/a><\/sup>, call <a href=\"tel:+18669538285\" data-dig-id=\"LP-27354-965a4f6e\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"1-866-953-8285\" class=\"rbc-link-format\">1-866-953-8285<\/a> (Mon-Fri, 9am-5pm, ET).<\/p>\n\n\n\n<p><strong>Note:<\/strong> Available in all provinces and territories except Qu\u00e9bec.<\/p>\n\n\n\n<p>Quebec residents may call <a href=\"tel:+18007692526\" data-dig-id=\"LP-27354-a848c334\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"1-800-769-2526\" class=\"rbc-link-format\">1-800-769-2526<\/a> for questions about their policy and coverages.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-what-to-expect-when-making-a-claim-0\">What to expect when making a claim*<\/h3>\n\n\n\n<p>Claims advisors are ready to help you make the claims process as quick and easy as possible.<\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title8q0q5iyy\" class=\"collapse-toggle collapsed\" data-target=\"#accordion8q0q5iyy\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-4e24daf9\" aria-controls=\"accordion8q0q5iyy\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Starting your claim\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Starting your claim<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion8q0q5iyy\" role=\"region\" aria-labelledby=\"accordion-title8q0q5iyy\"><div class=\"collapse-inner\">\n<p>You\u2019ll need to provide some details about what happened. Try to make your claim as soon as possible so that your claims advisor can get started on it for you.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title1rwdezpa\" class=\"collapse-toggle collapsed\" data-target=\"#accordion1rwdezpa\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-2280cc2f\" aria-controls=\"accordion1rwdezpa\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Reviewing your claim\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Reviewing your claim<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion1rwdezpa\" role=\"region\" aria-labelledby=\"accordion-title1rwdezpa\"><div class=\"collapse-inner\">\n<p>After reviewing your claim, your claims advisor may decide to handle it over the phone or send an adjuster to assess your claim and give you a time and cost estimate for repairs.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlezrao5m95\" class=\"collapse-toggle collapsed\" data-target=\"#accordionzrao5m95\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-6733da40\" aria-controls=\"accordionzrao5m95\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Getting back to normal\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Getting back to normal<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionzrao5m95\" role=\"region\" aria-labelledby=\"accordion-titlezrao5m95\"><div class=\"collapse-inner\">\n<p>If you wish, a claims advisor will schedule repairs and any care you need through our premiere vendor network:<\/p>\n\n\n\n<p><strong>Premiere Auto Repair Centres:<\/strong> Receive quick service and Aviva\u2019s <a href=\"https:\/\/www.aviva.ca\/en\/claim\/claims-service-satisfaction-guarantee\/\" target=\"_blank\" data-dig-id=\"LP-27354-cefd6278\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"lifetime guarantee\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\" rel=\"noreferrer noopener\">lifetime guarantee<\/a>.<\/p>\n\n\n\n<p><strong>Premiere Healthcare**:<\/strong> Get the care you need if you\u2019re injured in an accident.<\/p>\n\n\n\n<p>*Depending on your claim, you may need to take additional steps or provide more information.<br>**Not available in Quebec.<\/p>\n<\/div><\/div><\/div><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-faq faq\"><div class=\"faq__header\"><h3>Get help with an existing claim<\/h3><\/div><div class=\"faq__content\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<p>Call us to check on a claim&#8217;s status. Having the claim number handy when you call will help us give you faster service. If you can\u2019t find it, don\u2019t worry\u2014we can still assist you.<\/p>\n\n\n\n<p><a href=\"tel:+18007692526\" data-dig-id=\"LP-27354-0b8d11d1\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"1-800-769-2526\" class=\"rbc-link-format phone-link\" data-icon-class=\"phone-link\">1-800-769-2526<\/a> (Canada &amp; U.S.)<\/p>\n\n\n\n<div class=\"rbci-tw-alert bannerNotice\"><div class=\"wp-block-rbc-banner-notice rbc-banner-block-header-div default\"><div><p class=\"rbc-banner-block-header\">Auto Lifetime Guarantee<\/p><\/div><\/div><div class=\"rbc-banner-block-description-p \"><div class=\"buttonSection\">\n<p class=\"call-link\">Enjoy a lifetime guarantee on any repairs made through an expansive vendor network. See <a href=\"https:\/\/www.aviva.ca\/en\/claim\/claims-service-satisfaction-guarantee\/\" target=\"_blank\" data-dig-id=\"LP-27354-cb8c6423\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"terms and conditions\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\" rel=\"noreferrer noopener\">terms and conditions<\/a>.<\/p>\n<\/div><\/div><\/div>\n<\/div>\n<\/div><\/div>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-faq faq mar-t-dbl mob-mar-t-dbl\"><div class=\"faq__header\"><h2>Payments and billing<\/h2><\/div><div class=\"faq__content\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlemmtnizgy\" class=\"collapse-toggle collapsed\" data-target=\"#accordionmmtnizgy\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-2e744482\" aria-controls=\"accordionmmtnizgy\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"If I miss a payment, will my policy be suspended\/cancelled?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>If I miss a payment, will my policy be suspended\/cancelled?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionmmtnizgy\" role=\"region\" aria-labelledby=\"accordion-titlemmtnizgy\"><div class=\"collapse-inner\">\n<p>If a payment is missed on account of non-sufficient funds, the first such missed payment will be rebilled the following month along with an NSF fee.<\/p>\n\n\n\n<p>If a second payment is missed within twelve calendar months, your policy may go into pending cancellation status or be cancelled for non-payment. In such cases, we will send you a registered letter providing details about the missed payments, the pending cancellation, and any available options to rescind the cancellation.<\/p>\n\n\n\n<p>Depending on your province and type of insurance, you may have the option to rescind the cancellation if the cancellation date has not passed. If your policy is cancelled for non-payment, we will provide you with the legally required number of days\u2019 notice before the policy is terminated.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titless3l16tr\" class=\"collapse-toggle collapsed\" data-target=\"#accordionss3l16tr\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-b1c5ea8a\" aria-controls=\"accordionss3l16tr\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What if my bank withdrawal comes back with non-sufficient funds (NSF)?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What if my bank withdrawal comes back with non-sufficient funds (NSF)?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionss3l16tr\" role=\"region\" aria-labelledby=\"accordion-titless3l16tr\"><div class=\"collapse-inner\">\n<p>If your bank account withdrawal comes back with non-sufficient funds (NSF) and it was the first missed payment on the term, the missed payment will be re-billed on the following invoice along with the current month\u2019s payment, and an NSF fee.<\/p>\n\n\n\n<p>If a second missed payment on the term is due to NSF, then a fifty-dollar NSF fee will be applied, and the policy will follow the cancelation process. If there are reinstatement options available, a reinstatement fee may apply.<\/p>\n\n\n\n<p>Note: If there are back-to-back missed payments, the invoice will reflect two missing payments, two NSF fees, along with a sixty-dollar reinstatement fee if applicable.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlemt2eqapa\" class=\"collapse-toggle collapsed\" data-target=\"#accordionmt2eqapa\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-0e4f1cf0\" aria-controls=\"accordionmt2eqapa\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Can I defer a payment?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Can I defer a payment?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionmt2eqapa\" role=\"region\" aria-labelledby=\"accordion-titlemt2eqapa\"><div class=\"collapse-inner\">\n<p>We understand life happens and sometimes there is a need for flexibility. You have the option to defer payments twice in a policy term, up to ten days each time.<\/p>\n\n\n\n<p>Please contact us if you wish to exercise this option at least ten business days prior to the deduction date.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titleh3sbtey8\" class=\"collapse-toggle collapsed\" data-target=\"#accordionh3sbtey8\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-7b06e57c\" aria-controls=\"accordionh3sbtey8\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"When will my payment be processed?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>When will my payment be processed?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionh3sbtey8\" role=\"region\" aria-labelledby=\"accordion-titleh3sbtey8\"><div class=\"collapse-inner\">\n<p>Every customer will have a different experience. We take many factors into consideration when determining which payment plans are available (based on the information provided in your quote).<\/p>\n\n\n\n<p>If you are paying monthly, payments may be taken as early as 12:01 a.m. ET on your selected payment date.<\/p>\n\n\n\n<p>Note: If you are paying through bank withdrawal, payment dates falling a holiday will be attempted the following business day for this payment method.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlejdthrvtv\" class=\"collapse-toggle collapsed\" data-target=\"#accordionjdthrvtv\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-384108f1\" aria-controls=\"accordionjdthrvtv\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How do I change or update my payment method or payment information?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How do I change or update my payment method or payment information?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionjdthrvtv\" role=\"region\" aria-labelledby=\"accordion-titlejdthrvtv\"><div class=\"collapse-inner\">\n<ol class=\"wp-block-list  list-core-block second-level-inherit third-level-inherit\">\n<li>Login to <a href=\"https:\/\/www4.rbcinsurance.com\/ui\/signin\/home\" data-dig-id=\"LP-33528-c310fb08\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"RBC Online Insurance\" class=\"rbc-link-format\">RBC Online Insurance<\/a><\/li>\n\n\n\n<li>Select the policy for which you would like to update the payment information<\/li>\n\n\n\n<li>Select the <em>Billing <\/em>tab<\/li>\n\n\n\n<li>Click <em>Update<\/em> <em>Payment Info<\/em><\/li>\n\n\n\n<li>Select which payment method you would like to change to;<em> Bank Account <\/em>or<em> Credit Card<\/em><\/li>\n\n\n\n<li>Enter the appropriate details<\/li>\n\n\n\n<li>Click <em>Save Changes<\/em><\/li>\n<\/ol>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title17qid5or\" class=\"collapse-toggle collapsed\" data-target=\"#accordion17qid5or\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-1818f3c7\" aria-controls=\"accordion17qid5or\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How do I change a payment or withdrawal date?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How do I change a payment or withdrawal date?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion17qid5or\" role=\"region\" aria-labelledby=\"accordion-title17qid5or\"><div class=\"collapse-inner\">\n<ol class=\"wp-block-list  list-core-block second-level-inherit third-level-inherit\">\n<li>Login to <a href=\"https:\/\/www4.rbcinsurance.com\/ui\/signin\/home\" data-dig-id=\"LP-33528-7d13a74e\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"RBC Online Insurance\" class=\"rbc-link-format\">RBC Online Insurance<\/a><\/li>\n\n\n\n<li>Select the policy for which you would like to update the payment or withdrawal date<\/li>\n\n\n\n<li>Select the <em>Billings <\/em>tab<\/li>\n\n\n\n<li>Click <em>Change Withdrawal Date<\/em><\/li>\n\n\n\n<li>Enter a new withdrawal date<\/li>\n\n\n\n<li>Click <em>Confirm Change<\/em><\/li>\n<\/ol>\n\n\n\n<p>Note: This capability is only available if the premium is paid monthly.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title5931kl9o\" class=\"collapse-toggle collapsed\" data-target=\"#accordion5931kl9o\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-4f5f85d7\" aria-controls=\"accordion5931kl9o\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How do I make a payment?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How do I make a payment?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion5931kl9o\" role=\"region\" aria-labelledby=\"accordion-title5931kl9o\"><div class=\"collapse-inner\">\n<ol class=\"wp-block-list  list-core-block second-level-inherit third-level-inherit\">\n<li>Login to <a href=\"https:\/\/www4.rbcinsurance.com\/ui\/signin\/home\" data-dig-id=\"LP-33528-2896bec5\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"RBC Online Insurance\" class=\"rbc-link-format\">RBC Online Insurance<\/a><\/li>\n\n\n\n<li>Select the policy you would like to make a payment for<\/li>\n\n\n\n<li>Select the <em>Billings <\/em>tab<\/li>\n\n\n\n<li>Click <em>Make a Payment<\/em><\/li>\n\n\n\n<li>Enter the amount you would like to pay<\/li>\n\n\n\n<li>Choose how you would like the payment to be applied; <em>Next <\/em>or <em>Spread<\/em>\n<ul class=\"wp-block-list  list-core-block second-level-inherit third-level-inherit\">\n<li><em>Next <\/em>\u2013 The payment amount you enter will be processed the following month<\/li>\n\n\n\n<li><em>Spread <\/em>\u2013 The payment amount you enter will be spread out over the remaining installments in your policy<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>Enter your payment information<\/li>\n\n\n\n<li>Click <em>Submit Payment<\/em><\/li>\n<\/ol>\n\n\n\n<p>Note: This capability is only available if the premium is paid monthly. One-time payments should be made only if you have received a registered letter, or notification from us requesting that you make one.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlednb6z3k6\" class=\"collapse-toggle collapsed\" data-target=\"#accordiondnb6z3k6\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-d61f21f4\" aria-controls=\"accordiondnb6z3k6\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What is my monthly payment amount or total policy premium?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What is my monthly payment amount or total policy premium?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordiondnb6z3k6\" role=\"region\" aria-labelledby=\"accordion-titlednb6z3k6\"><div class=\"collapse-inner\">\n<ol class=\"wp-block-list  list-core-block second-level-inherit third-level-inherit\">\n<li>Login to <a href=\"https:\/\/www4.rbcinsurance.com\/ui\/signin\/home\" data-dig-id=\"LP-33528-d139059d\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"RBC Online Insurance\" class=\"rbc-link-format\">RBC Online Insurance<\/a><\/li>\n\n\n\n<li>Select the policy for which you would like to review the premium or payment<\/li>\n<\/ol>\n\n\n\n<p>For the <strong>Annual Premium<\/strong>, the premium amount can be viewed in the header, on the top right of the screen<\/p>\n\n\n\n<p>For the<strong> Payment Amount, <\/strong>the payment details can be found under the <em>Billing<\/em> tab<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title5lfh8waf\" class=\"collapse-toggle collapsed\" data-target=\"#accordion5lfh8waf\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-d1d32718\" aria-controls=\"accordion5lfh8waf\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"When is my payment date?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>When is my payment date?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion5lfh8waf\" role=\"region\" aria-labelledby=\"accordion-title5lfh8waf\"><div class=\"collapse-inner\">\n<ol class=\"wp-block-list  list-core-block second-level-inherit third-level-inherit\">\n<li>Login to <a href=\"https:\/\/www4.rbcinsurance.com\/ui\/signin\/home\" data-dig-id=\"LP-33528-80cfb217\" data-dig-label=\"RBC Online Insurance\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">RBC Online Insurance<\/a><\/li>\n\n\n\n<li>Select the policy you would like to check the payment date for.<\/li>\n\n\n\n<li>Select the <em>Billing <\/em>tab<\/li>\n\n\n\n<li>Your next payment date, payment schedule, and amount due will be shown on the screen<\/li>\n<\/ol>\n<\/div><\/div><\/div><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-faq faq mar-t-dbl mob-mar-t-dbl\"><div class=\"faq__header\"><h2>Policy<\/h2><\/div><div class=\"faq__content\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titletjj6brh6\" class=\"collapse-toggle collapsed\" data-target=\"#accordiontjj6brh6\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-f4bdf609\" aria-controls=\"accordiontjj6brh6\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How do I get a copy of my policy?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How do I get a copy of my policy?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordiontjj6brh6\" role=\"region\" aria-labelledby=\"accordion-titletjj6brh6\"><div class=\"collapse-inner\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Login to <a href=\"https:\/\/www4.rbcinsurance.com\/ui\/signin\/home\" target=\"_blank\" data-dig-id=\"LP-32439-bcdc907c\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"RBC Online Insurance\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">RBC Online Insurance<\/a><\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Select the policy you would like a copy of<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Select the <em>Documents<\/em> tab<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Locate the document you would like a copy of and click <em>Download<\/em>&nbsp;<\/p>\n<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titleblz757ai\" class=\"collapse-toggle collapsed\" data-target=\"#accordionblz757ai\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-288e477c\" aria-controls=\"accordionblz757ai\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How do I update my document delivery preferences?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How do I update my document delivery preferences?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionblz757ai\" role=\"region\" aria-labelledby=\"accordion-titleblz757ai\"><div class=\"collapse-inner\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Login to <a href=\"https:\/\/www4.rbcinsurance.com\/ui\/signin\/home\" target=\"_blank\" data-dig-id=\"LP-32439-e2c36132\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"RBC Online Insurance\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">RBC Online Insurance<\/a><\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Select the <em>Profile &amp; Documents<\/em> tab in the top header<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Select the <em>Document Delivery <\/em>tab on the left<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Choose your preferred delivery method; <em>Mail<\/em> or <em>Electronic<\/em><\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Input any additional information needed<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Click <em>Save<\/em><\/p>\n<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlehd7etwyf\" class=\"collapse-toggle collapsed\" data-target=\"#accordionhd7etwyf\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-b3511c4c\" aria-controls=\"accordionhd7etwyf\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"I have a life insurance policy with RBC. Does that give me savings for Home &amp; Auto?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>I have a life insurance policy with RBC. Does that give me savings for Home &amp; Auto?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionhd7etwyf\" role=\"region\" aria-labelledby=\"accordion-titlehd7etwyf\"><div class=\"collapse-inner\">\n<p>If you hold a life insurance policy with RBC, you may qualify for additional savings on your property insurance. Please contact us to find out if you are eligible and explore these potential benefits.<\/p>\n\n\n\n<p>For free and anonymous advice on home and auto insurance before filing a claim, please call <strong><a href=\"tel:+18669538285\" data-dig-id=\"LP-32439-13b7f67e\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"1-866-953-8285\" class=\"rbc-link-format\">1-866-953-8285<\/a><\/strong>. You will not have to provide your name or policy number. Experienced claims advisors will offer guidance tailored to your specific circumstances, helping you determine the most appropriate course of action. <\/p>\n\n\n\n<p>Please note: This service is not available in Quebec.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlec3einu89\" class=\"collapse-toggle collapsed\" data-target=\"#accordionc3einu89\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-c454e591\" aria-controls=\"accordionc3einu89\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Where can I learn about increasing the coverage in my policy?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Where can I learn about increasing the coverage in my policy?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionc3einu89\" role=\"region\" aria-labelledby=\"accordion-titlec3einu89\"><div class=\"collapse-inner\">\n<p>Endorsements are optional coverages or changes to your policy that increase your insurance coverage or provide an additional benefit to you.<\/p>\n\n\n\n<p>Endorsements for your property: <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/home-insurance\/property-insurance-endorsements\/\" data-dig-id=\"LP-32439-7cf7e94e\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Endorsements for Your Property | RBC Insurance\" class=\"rbc-link-format\">Endorsements for Your Property | RBC Insurance<\/a><\/p>\n\n\n\n<p>Endorsements for your car: <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/auto-car-insurance\/coverages\/endorsements-riders\/\" data-dig-id=\"LP-32439-0e09dcbb\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Optional Car Insurance Coverage in Canada | RBC Insurance\" class=\"rbc-link-format\">Optional Car Insurance Coverage in Canada | RBC Insurance<\/a><\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titledm1j9vlf\" class=\"collapse-toggle collapsed\" data-target=\"#accordiondm1j9vlf\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-38814047\" aria-controls=\"accordiondm1j9vlf\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How can I view my coverage?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How can I view my coverage?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordiondm1j9vlf\" role=\"region\" aria-labelledby=\"accordion-titledm1j9vlf\"><div class=\"collapse-inner\">\n<p>To view your policy coverages, please refer to your\u00a0policy document (see \u201c<em>How do I get a copy of my policy?<\/em> \u201d)<\/p>\n\n\n\n<p>To view a summary of coverage, login to <a href=\"https:\/\/www4.rbcinsurance.com\/ui\/signin\/home\" data-dig-id=\"LP-33528-a5d5cb6a\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"RBC Online Insurance\" class=\"rbc-link-format\">RBC Online Insurance<\/a> and select the policy you would like to view coverage for;<\/p>\n\n\n\n<p><strong>Auto: <\/strong>Under <em>Vehicle(s) Insured, <\/em>choose the relevant vehicle<\/p>\n\n\n\n<p><strong>Home: <\/strong>Under <em>Coverage Information, <\/em>choose the relevant property<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlezvtiws14\" class=\"collapse-toggle collapsed\" data-target=\"#accordionzvtiws14\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-ec164f6b\" aria-controls=\"accordionzvtiws14\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Where can I find my proof of insurance or binder of insurance?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Where can I find my proof of insurance or binder of insurance?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionzvtiws14\" role=\"region\" aria-labelledby=\"accordion-titlezvtiws14\"><div class=\"collapse-inner\">\n<ol class=\"wp-block-list  list-core-block second-level-inherit third-level-inherit\">\n<li>Login to <a href=\"https:\/\/www4.rbcinsurance.com\/ui\/signin\/home\" data-dig-id=\"LP-33528-d15f3836\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"RBC Online Insurance\" class=\"rbc-link-format\">RBC Online Insurance<\/a><\/li>\n\n\n\n<li>Select the policy you would like proof of insurance for<\/li>\n\n\n\n<li>Follow the steps below depending if you are looking for Auto or Home insurance<\/li>\n<\/ol>\n\n\n\n<p><strong>Auto<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>Stay on the <em>Vehicles<\/em> tab<\/li>\n\n\n\n<li>Click <em>View Details<\/em> under the insured vehicle you would like proof of insurance for<\/li>\n\n\n\n<li>Select <em>Request Pink Slips<\/em><\/li>\n\n\n\n<li>Enter your email and click <em>Continue<\/em><\/li>\n<\/ul>\n\n\n\n<p><strong>Home<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>Select the <em>Documents<\/em> tab<\/li>\n\n\n\n<li>Find <em>Property Policy Documents<\/em><\/li>\n\n\n\n<li>Select <em>Download<\/em><\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-faq faq mar-t-dbl mob-mar-t-dbl\"><div class=\"faq__header\"><h2>Renewal &amp; Cancellation<\/h2><\/div><div class=\"faq__content\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlea914imex\" class=\"collapse-toggle collapsed\" data-target=\"#accordiona914imex\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-e685d7bf\" aria-controls=\"accordiona914imex\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"When does my policy renew?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>When does my policy renew?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordiona914imex\" role=\"region\" aria-labelledby=\"accordion-titlea914imex\"><div class=\"collapse-inner\">\n<p>Policies renew each year, on your coverage start date. We will notify you through your chosen method in advance to ensure you have a chance to review the renewal and make any changes to your coverage or payment plan.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlef3lmeoxv\" class=\"collapse-toggle collapsed\" data-target=\"#accordionf3lmeoxv\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-283e9dfa\" aria-controls=\"accordionf3lmeoxv\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Why did my premium increase?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Why did my premium increase?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionf3lmeoxv\" role=\"region\" aria-labelledby=\"accordion-titlef3lmeoxv\"><div class=\"collapse-inner\">\n<p>Depending on the type of policy, there are many different reasons for premiums increasing at renewal.<\/p>\n\n\n\n<p><strong>Home<\/strong><\/p>\n\n\n\n<p>Factors that contribute to property rate increases:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Change in or loss of discounts<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Claim in previous term<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Significant changes to home (updates\/renovations)<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Inflation Factor; Replacement cost of property and its contents tends to increase on account of inflation<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Increase in the number of claims in your neighbourhood<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Claims associated with extreme weather events and catastrophes occurring more frequently.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Emergency cleanup services, skilled trades, personal belongings, and homes in general have become more expensive which leads to higher claims payouts.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p><strong>Auto<\/strong><\/p>\n\n\n\n<p>Factors that contribute to auto rate increases:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Change in or loss of discounts<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Claim in previous term<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Change in driving records (convictions, license suspensions, etc.)<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>The number&nbsp;&nbsp;of accidents and claims where you live<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Environmental factors that impact the cost of insurance such as weather events, claims fraud, and inflationary increases of things like medical care<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>We know that seeing your payments go up can be frustrating. If you have any questions about your premium or renewal, please reach out to us. We\u2019re happy to review your policy with you.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title90kx3ckb\" class=\"collapse-toggle collapsed\" data-target=\"#accordion90kx3ckb\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-b044ba53\" aria-controls=\"accordion90kx3ckb\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Can I cancel my car\/home insurance at any time?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Can I cancel my car\/home insurance at any time?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion90kx3ckb\" role=\"region\" aria-labelledby=\"accordion-title90kx3ckb\"><div class=\"collapse-inner\">\n<p>Yes, you can cancel your car or home insurance at any time; however, there are important considerations to keep in mind:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>If you cancel your policy mid-term, a <strong>short rate cancellation fee<\/strong> may apply to cover administrative costs. The fee typically decreases the closer you are to your renewal date. Any refundable amount will be returned to you based on your original payment method. If there is an outstanding balance, it must be settled through a manual payment, as it will not be automatically collected.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>If you have an Accident Rating Waiver and have experienced an at-fault accident, this waiver protects your driving record from being negatively impacted at renewal. However, if you switch to a new auto insurance provider, the at-fault accident will be considered in your new policy, as the waiver does not transfer.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>If you cancel your policy effective at the renewal date, the cancellation is processed without any short-rate cancellation fees.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>If you have additional questions about cancelling your policy or your upcoming renewal, please reach out to us. We\u2019re here to help.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title9oemahp3\" class=\"collapse-toggle collapsed\" data-target=\"#accordion9oemahp3\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-40d00111\" aria-controls=\"accordion9oemahp3\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Can I review my renewal policy and price?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Can I review my renewal policy and price?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion9oemahp3\" role=\"region\" aria-labelledby=\"accordion-title9oemahp3\"><div class=\"collapse-inner\">\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>Login to <a href=\"https:\/\/www4.rbcinsurance.com\/ui\/signin\/home\" data-dig-id=\"LP-33528-80e3d31a\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"RBC Online Insurance\" class=\"rbc-link-format\">RBC Online Insurance<\/a><\/li>\n\n\n\n<li>Select your current policy<\/li>\n\n\n\n<li>Select the <em>Documents<\/em> tab<\/li>\n\n\n\n<li>Locate your Auto\/Property Policy Documents<\/li>\n\n\n\n<li>Click the download button to the right of the renewal document<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-faq-wrapper faqWrapper  menuStyle__enhanced menuItems__dropdown mar-t-dbl mob-mar-t-dbl\"><div class=\"faqWrapper__header\"><h2>Auto insurance<\/h2><\/div><div class=\"faqWrapper__content\"><div class=\"faqWrapper__content-left\">\n<div class=\"selectDropdown__wrapper\">\n\t<div class=\"selectDropdown selectDropdown__default  selectDropdown__floating \" \t\tdata-option_name=\"\" style=\"width:100%\">\n\t\t\t\t<button class=\"selectDropdown__button\" aria-haspopup=\"listbox\" aria-expanded=\"false\">\n\t\t\t<span class=\"selectDropdown__title\" data-default_title=\"Coverage, claims and deductibles\">\n\t\t\t\tCoverage, claims and deductibles\t\t\t<\/span>\n\t\t\t<span class=\"selectDropdown__chevron\"><\/span>\n\t\t<\/button>\n\t\t<ul class=\"selectDropdown__list\" role=\"listbox\" tabindex=\"-1\">\n\t\t\t\t\t\t\t<li\n\t\t\t\t\tclass=\"selectDropdown__list__item selected\"\n\t\t\t\t\tdata-option_value=\"0\"\n\t\t\t\t\trole=\"option\"\n\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t>\n\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\tCoverage, claims and deductibles\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<li\n\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\tdata-option_value=\"1\"\n\t\t\t\t\trole=\"option\"\n\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t>\n\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\tVehicles and insurance\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<li\n\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\tdata-option_value=\"2\"\n\t\t\t\t\trole=\"option\"\n\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t>\n\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\tInsurance premiums\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/li>\n\t\t\t\t\t<\/ul>\n\t\t\t<\/div>\n\t<\/div>\n<div class=\"faqWrapper__menuItems\"><ul class=\"menuItems__enhanced\" role=\"tablist\" tabindex=\"0\"><li class=\"faqWrapper__menuItem\" tabindex=\"0\" role=\"tab\" aria-selected=\"false\" id=\"faqWrapper__menuItem_1\"><div class=\"menuItems__enhanced__content\"><p class=\"menuItem__enhanced__name\">Coverage, claims and deductibles<\/p><\/div><\/li><li class=\"faqWrapper__menuItem\" tabindex=\"0\" role=\"tab\" aria-selected=\"false\" id=\"faqWrapper__menuItem_2\"><div class=\"menuItems__enhanced__content\"><p class=\"menuItem__enhanced__name\">Vehicles and insurance<\/p><\/div><\/li><li class=\"faqWrapper__menuItem\" tabindex=\"0\" role=\"tab\" aria-selected=\"false\" id=\"faqWrapper__menuItem_3\"><div class=\"menuItems__enhanced__content\"><p class=\"menuItem__enhanced__name\">Insurance premiums<\/p><\/div><\/li><\/ul><\/div><\/div><div class=\"faqWrapper__content-right\">\n<div class=\"wp-block-rbc-faq faq\"><div class=\"faq__header\"><h3>Coverage, claims and deductibles<\/h3><\/div><div class=\"faq__content\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title6wtbba9o\" class=\"collapse-toggle collapsed\" data-target=\"#accordion6wtbba9o\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-8344e0ab\" aria-controls=\"accordion6wtbba9o\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What is &quot;no fault&quot; car insurance?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What is &#8220;no fault&#8221; car insurance?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion6wtbba9o\" role=\"region\" aria-labelledby=\"accordion-title6wtbba9o\"><div class=\"collapse-inner\">\n<p>Sometimes known as &#8220;first party insurance,&#8221; the &#8220;no fault&#8221; system has been instituted in several provinces in an effort to:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Help control court costs when claims are disputed<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Provide prompt financial assistance for accident victims<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Stabilize insurance premiums<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>Under the &#8220;no fault&#8221; system, everyone involved in an accident submits a claim to their own insurance company. This means that if another person is at fault for an accident, you would still submit your claim to your own insurance company. Additionally, if you are not at fault but had to pay a deductible, your insurance company may seek to recover your deductible from the at-fault driver&#8217;s insurance company.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title9e1pkv24\" class=\"collapse-toggle collapsed\" data-target=\"#accordion9e1pkv24\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-37256a45\" aria-controls=\"accordion9e1pkv24\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What is liability coverage?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What is liability coverage?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion9e1pkv24\" role=\"region\" aria-labelledby=\"accordion-title9e1pkv24\"><div class=\"collapse-inner\">\n<p>Every car insurance policy includes protection against third-party liability\u2014and for good reason. Liability coverage, also called third-party or civil liability coverage, helps protect you financially if you or another driver on your policy are found legally liable for injuring someone or causing damage to another person&#8217;s property or automobile while operating a vehicle. In this type of situation, your insurance would pay any legitimate claims against you up to the limits of your liability coverage and also pay for expenses related to settling the claims.<\/p>\n\n\n\n<p>While every province requires a certain amount of liability coverage, the minimum amount required is unlikely to be enough if the courts order you to pay a substantial amount of money in damages.<\/p>\n\n\n\n<p><strong>Tip:<\/strong> At RBC Insurance, we strongly recommend that you purchase at least $1 million in coverage. Plus, if you are leasing or financing a vehicle, your leasing company or lien holder may require at least that much coverage to protect their interests.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlezf9hzshz\" class=\"collapse-toggle collapsed\" data-target=\"#accordionzf9hzshz\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-97b741ed\" aria-controls=\"accordionzf9hzshz\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What are collision and comprehensive coverage\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What are collision and comprehensive coverage<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionzf9hzshz\" role=\"region\" aria-labelledby=\"accordion-titlezf9hzshz\"><div class=\"collapse-inner\">\n<p><strong>Collision<\/strong> coverage helps pay for the cost of repairing or replacing your vehicle up to the actual cash value if it collides with another vehicle another vehicle, the ground, or an object in or on the ground (such as a guard rail).<\/p>\n\n\n\n<p><strong>Comprehensive<\/strong> coverage helps pay for the cost of repairing or replacing your vehicle up to the actual cash value if it is damaged by unexpected situations such as falling or flying objects, vandalism, fire, theft or attempted theft, a natural disaster, or a riot or civil disturbance (but not collision).<\/p>\n\n\n\n<p><strong>Tip:<\/strong> Although collision and comprehensive coverage are optional by law, your vehicle&#8217;s leasing or financing company (if applicable) may require that you have it. We also recommend that you purchase both of these coverages unless your car is very old\u2014and not worth more than a couple thousand dollars\u2014or you can afford to pay out-of-pocket whatever amount might be required to repair or replace your vehicle.<\/p>\n\n\n\n<p>In addition to collision and comprehensive coverage, which are recommended for most situations, there are two other coverages known as All Perils and Specified Perils.<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>All Perils<\/strong> coverage includes the protections provided by both collision and comprehensive coverage and also insures your vehicle against loss or damage should it be stolen by someone living in your home or by someone you have hired to drive, service or repair your vehicle.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Specified Perils<\/strong> coverage insures your vehicle against specific situations only (such as fire, theft or attempted theft, some natural disasters, riots or civil disturbances). In most cases, we do not recommend insuring your vehicle with just specified perils coverage.<\/p>\n<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title06b5jp6n\" class=\"collapse-toggle collapsed\" data-target=\"#accordion06b5jp6n\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-869fc28a\" aria-controls=\"accordion06b5jp6n\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What is an endorsement?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What is an endorsement?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion06b5jp6n\" role=\"region\" aria-labelledby=\"accordion-title06b5jp6n\"><div class=\"collapse-inner\">\n<p>Also called &#8220;riders,&#8221; endorsements are additional (sometimes optional) enhancements that allow you to customize your car insurance policy by increasing or even reducing the amount of insurance coverage you would receive in special situations.<\/p>\n\n\n\n<p>One example of an endorsement is the popular Family Protection endorsement, which provides significant financial protection\u2014up to the limits of your liability coverage\u2014if you or your eligible family members are injured or killed in an accident caused by an uninsured, under insured or unidentified (e.g. hit and run) at-fault motorist.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlej20bksrk\" class=\"collapse-toggle collapsed\" data-target=\"#accordionj20bksrk\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-bb03a71d\" aria-controls=\"accordionj20bksrk\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What is a claim?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What is a claim?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionj20bksrk\" role=\"region\" aria-labelledby=\"accordion-titlej20bksrk\"><div class=\"collapse-inner\">\n<p>A claim is a request to an insurance company for payment for loss, damage or injury as covered in an insurance policy.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titledp0a8coe\" class=\"collapse-toggle collapsed\" data-target=\"#accordiondp0a8coe\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-c0786197\" aria-controls=\"accordiondp0a8coe\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What is a deductible?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What is a deductible?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordiondp0a8coe\" role=\"region\" aria-labelledby=\"accordion-titledp0a8coe\"><div class=\"collapse-inner\">\n<p>Your deductible is the amount of money you are required to pay out-of-pocket towards any claim you make under your car insurance policy.<\/p>\n\n\n\n<p><strong>For example:<\/strong> If your vehicle sustains $2,000 worth of damage in an accident and your collision deductible is $500, then you would be responsible for paying the first $500 and your insurance company would pay the remaining $1,500.<\/p>\n\n\n\n<p>You can choose a different deductible amount for your collision coverage and your comprehensive coverage.<\/p>\n\n\n\n<p><strong>Tip:<\/strong> If you can afford to make a higher out-of-pocket payment in the event of a claim, then choose a higher deductible. You&#8217;ll pay a lower premium as a result.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titleg3kc73w2\" class=\"collapse-toggle collapsed\" data-target=\"#accordiong3kc73w2\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-b7af3724\" aria-controls=\"accordiong3kc73w2\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"I've had a minor accident and I don't plan on submitting a claim. Do I still need to notify my insurance company?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>I&#8217;ve had a minor accident and I don&#8217;t plan on submitting a claim. Do I still need to notify my insurance company?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordiong3kc73w2\" role=\"region\" aria-labelledby=\"accordion-titleg3kc73w2\"><div class=\"collapse-inner\">\n<p>Yes. Since your driving record affects your car insurance coverage and premium, your insurance company needs to know the facts of your accident.<\/p>\n\n\n\n<p>Furthermore, if you were involved in an accident with another vehicle, the driver of that vehicle may claim from his or her insurance company\u2014who will, in all likelihood, communicate with your insurance company about the accident. It is important to note that not all accidents will result in premium increases.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title7q7uqwjr\" class=\"collapse-toggle collapsed\" data-target=\"#accordion7q7uqwjr\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-c70b8a79\" aria-controls=\"accordion7q7uqwjr\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"I'm moving. What should I do?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>I&#8217;m moving. What should I do?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion7q7uqwjr\" role=\"region\" aria-labelledby=\"accordion-title7q7uqwjr\"><div class=\"collapse-inner\">\n<p>Moving\u2014even within the same town or city\u2014can affect your car insurance premium, so be sure to call us at 1-877-749-7224 before your moving day.<\/p>\n\n\n\n<p>Also keep in mind that car insurance laws are different in every province. If you&#8217;re moving to a different province, let us know and we will help make sure your policy complies with the laws in your new province. Car insurance is not offered in British Columbia, Manitoba and Saskatchewan.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlevr6ldme6\" class=\"collapse-toggle collapsed\" data-target=\"#accordionvr6ldme6\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-af9126a4\" aria-controls=\"accordionvr6ldme6\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Can I get anonymous claims advice before making a car insurance claim?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Can I get anonymous claims advice before making a car insurance claim?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionvr6ldme6\" role=\"region\" aria-labelledby=\"accordion-titlevr6ldme6\"><div class=\"collapse-inner\">\n<p>Yes; however, this service is not available in Qu\u00e9bec.<sup><a href=\"#legal-1\" data-dig-id=\"LP-27354-2c4d654a\" data-dig-label=\"1\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">1<\/a><\/sup> You can call 1-866-953-8285 to get free, anonymous home and auto insurance advice before you make a claim. You don\u2019t have to give your name or policy number. Claims advisors will provide you with impartial information pertaining to your specific situation to help you decide on the best course of action.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlecnpqenti\" class=\"collapse-toggle collapsed\" data-target=\"#accordioncnpqenti\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-ddc1ad92\" aria-controls=\"accordioncnpqenti\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What information do I need to provide with my car insurance claim?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What information do I need to provide with my car insurance claim?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordioncnpqenti\" role=\"region\" aria-labelledby=\"accordion-titlecnpqenti\"><div class=\"collapse-inner\">\n<p>Providing the following information with your claim will help us to resolve your claim quicker:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Your policy number<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Your contact details<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Photos or videos of any damage<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Police report (if any)<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Name and contact information for any service providers who helped you (tow truck operators, for example)<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Invoices and receipts for out-of-pocket expenses, such as car rental costs, if you couldn\u2019t drive your car<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Details on the accident and damage, including any witnesses, passengers and police information<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Information on the other driver(s) involved in the accident, including name, address, phone number, vehicle information, driver licence number, insurance company and policy number<\/p>\n<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title2r7xt2pv\" class=\"collapse-toggle collapsed\" data-target=\"#accordion2r7xt2pv\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-25e809b0\" aria-controls=\"accordion2r7xt2pv\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Where should I go for repairs if I've been in a car accident?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Where should I go for repairs if I&#8217;ve been in a car accident?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion2r7xt2pv\" role=\"region\" aria-labelledby=\"accordion-title2r7xt2pv\"><div class=\"collapse-inner\">\n<p>Choosing a repair shop is up to you. However, you can also choose from a network of trusted vendor partners through Aviva\u2019s Premiere Auto Repair Centres. Benefits of using a trusted vendor include:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Quality repairs are done by an accredited facility in your community<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Turnaround times for repairs are typically faster<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>You\u2019ll have a lifetime guarantee on the repairs for as long as you own the vehicle (<a href=\"https:\/\/www.aviva.ca\/en\/claim\/claims-service-satisfaction-guarantee\/?pid=pro-per-cla-pvn-cssg-lrn-en\" data-dig-id=\"LP-27354-850d94b1\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"terms and conditions\" class=\"rbc-link-format\">terms and <\/a><a href=\"https:\/\/www.aviva.ca\/en\/claim\/claims-service-satisfaction-guarantee\/?pid=pro-per-cla-pvn-cssg-lrn-en\" target=\"_blank\" data-dig-id=\"LP-27354-850d94b1\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"terms and conditions\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\" rel=\"noreferrer noopener\">conditions<\/a> apply)<\/p>\n<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titleinjgaq1m\" class=\"collapse-toggle collapsed\" data-target=\"#accordioninjgaq1m\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-6d01e30f\" aria-controls=\"accordioninjgaq1m\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Will I have a replacement vehicle while mine is being repaired after the accident?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Will I have a replacement vehicle while mine is being repaired after the accident?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordioninjgaq1m\" role=\"region\" aria-labelledby=\"accordion-titleinjgaq1m\"><div class=\"collapse-inner\">\n<p>If you purchased Loss of Vehicle Use coverage, you\u2019ll have access to a rental vehicle until your vehicle is repaired or is replaced<sup><a href=\"#legal-3\" data-dig-id=\"LP-27354-7f0a4190\" data-dig-label=\"3\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">3<\/a><\/sup>.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title3fieme48\" class=\"collapse-toggle collapsed\" data-target=\"#accordion3fieme48\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-b15c1cab\" aria-controls=\"accordion3fieme48\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"When will someone contact me about my car insurance claim?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>When will someone contact me about my car insurance claim?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion3fieme48\" role=\"region\" aria-labelledby=\"accordion-title3fieme48\"><div class=\"collapse-inner\">\n<p>When you call to report your claim, a claims advisor will get started on it right away and explain next steps. If you report your claim online, a claims advisor will call you the next business day.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlehqjr5jlk\" class=\"collapse-toggle collapsed\" data-target=\"#accordionhqjr5jlk\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-b70b3d75\" aria-controls=\"accordionhqjr5jlk\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How long will it take to resolve my car insurance claim?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How long will it take to resolve my car insurance claim?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionhqjr5jlk\" role=\"region\" aria-labelledby=\"accordion-titlehqjr5jlk\"><div class=\"collapse-inner\">\n<p>Each claim is different, but the goal of the claims advisor team is to help you get things back on track as quickly as possible. Some claims can be taken care of in a single phone call. Others that are more complex or involve severe damage, may require a more in-depth review of the incident and other claims experts. Your claims advisor will go over the process with you and provide a time estimate when they begin to handle your claim.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title44uroky5\" class=\"collapse-toggle collapsed\" data-target=\"#accordion44uroky5\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-789c1fb7\" aria-controls=\"accordion44uroky5\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Will my car insurance claim affect my premium?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Will my car insurance claim affect my premium?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion44uroky5\" role=\"region\" aria-labelledby=\"accordion-title44uroky5\"><div class=\"collapse-inner\">\n<p>Your premiums are based on many different things, so it really depends on your unique situation, your claims history and other factors. If you have any questions, please speak to an insurance advisor.<\/p>\n\n\n\n<p>If you have <strong>Accident Protection<\/strong><sup><a href=\"#legal-4\" data-dig-id=\"LP-27354-c130ed97\" data-dig-label=\"4\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">4<\/a><\/sup> and it still applies, your car insurance premiums won\u2019t go up after your first accident, even if the accident was your fault.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titleqbjxvxtw\" class=\"collapse-toggle collapsed\" data-target=\"#accordionqbjxvxtw\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-e84f5bed\" aria-controls=\"accordionqbjxvxtw\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How does my deductible factor into my car insurance claim?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How does my deductible factor into my car insurance claim?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionqbjxvxtw\" role=\"region\" aria-labelledby=\"accordion-titleqbjxvxtw\"><div class=\"collapse-inner\">\n<p>If you are making a claim for an accident for which you are at fault, you will be responsible for covering a certain amount of the total claim amount. This is called your deductible. The amount that remains after you pay your deductible is the portion that your claims advisor will arrange to pay to settle your claim.<\/p>\n\n\n\n<p>For example, if your insured damages will cost $7,000 to repair and your deductible is $1,000, your claims advisor would arrange to pay $6,000. Your claims advisor will review how the deductible works when you report a claim.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlel3hww409\" class=\"collapse-toggle collapsed\" data-target=\"#accordionl3hww409\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-cc99b2d4\" aria-controls=\"accordionl3hww409\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How is the amount of my car insurance claim determined?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How is the amount of my car insurance claim determined?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionl3hww409\" role=\"region\" aria-labelledby=\"accordion-titlel3hww409\"><div class=\"collapse-inner\">\n<p>A claims advisor will explain all the details of your claim, including how the amount paid out is determined.<\/p>\n<\/div><\/div><\/div><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-faq faq\"><div class=\"faq__header\"><h3>Vehicles and insurance<\/h3><\/div><div class=\"faq__content\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titleqkn5w764\" class=\"collapse-toggle collapsed\" data-target=\"#accordionqkn5w764\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-6f69d0b3\" aria-controls=\"accordionqkn5w764\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Do you insure lifestyle and leisure products?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Do you insure lifestyle and leisure products?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionqkn5w764\" role=\"region\" aria-labelledby=\"accordion-titleqkn5w764\"><div class=\"collapse-inner\">\n<p>We offer multiple different types of lifestyle and leisure product insurance, including:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/auto-car-insurance\/motorcycle-insurance\/\" data-dig-id=\"LP-32439-02d675f4\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Motorcycle Insurance\" class=\"rbc-link-format\">Motorcycle Insurance<\/a>: Protect your&nbsp;passion&nbsp;for the road. Specialized coverage for experienced riders.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/auto-car-insurance\/atv-insurance\/\" data-dig-id=\"LP-32439-32bb99a1\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"ATV Insurance\" class=\"rbc-link-format\">ATV Insurance<\/a>: Explore the great outdoors with specialized insurance on your all-terrain vehicle.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/auto-car-insurance\/snowmobile-insurance\/\" data-dig-id=\"LP-32439-f108ee13\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Snowmobile Insurance\" class=\"rbc-link-format\">Snowmobile Insurance<\/a>: Coverage on and off&nbsp;the&nbsp;trails.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/auto-car-insurance\/motorhome-insurance\/\" data-dig-id=\"LP-32439-60ae74db\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Motorhome Insurance\" class=\"rbc-link-format\">Motorhome Insurance<\/a>: Travel in comfort with the right insurance, whether you have a luxurious Class A motorhome, RV or simple camper van.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/auto-car-insurance\/boat-insurance\/\" data-dig-id=\"LP-32439-56d08987\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Boat Insurance\" class=\"rbc-link-format\">Boat Insurance<\/a>: Fish, ski, sail or just cruise with flexible and affordable insurance for most types of private-use boats and watercraft.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/auto-car-insurance\/trailer-insurance\/\" data-dig-id=\"LP-32439-6674a427\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Trailer Insurance\" class=\"rbc-link-format\">Trailer Insurance<\/a>: Get the right insurance for your recreational trailer or park model home whether you\u2019re on vacation or traveling with your unit full time.<\/p>\n<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titleudvcd1me\" class=\"collapse-toggle collapsed\" data-target=\"#accordionudvcd1me\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-eae9f72a\" aria-controls=\"accordionudvcd1me\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Do some vehicles cost less to insure than others?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Do some vehicles cost less to insure than others?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionudvcd1me\" role=\"region\" aria-labelledby=\"accordion-titleudvcd1me\"><div class=\"collapse-inner\">\n<p>Yes, particularly if they\u2019re less likely to be stolen or, statistically, if injuries suffered in certain vehicles are less servere. Vehicles that are less expensive to repair will also typically cost less to insure.<\/p>\n\n\n\n<p><strong>Tip:<\/strong> If you\u2019re shopping for a new car and are looking for the better insurance value, we can give you a no-obligation quote for each of the models you\u2019re considering.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title765nb59h\" class=\"collapse-toggle collapsed\" data-target=\"#accordion765nb59h\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-64561f64\" aria-controls=\"accordion765nb59h\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Is coverage for vintage vehicles available through RBC Insurance?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Is coverage for vintage vehicles available through RBC Insurance?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion765nb59h\" role=\"region\" aria-labelledby=\"accordion-title765nb59h\"><div class=\"collapse-inner\">\n<p>Yes. If you own a vintage vehicle that is over 25 years old, with antique or historical licence plates, the Advice Centre can offer you special coverage and a price to reflect your needs. We\u2019ll be happy to give you your quote over the phone\u2014just call 1-833-653-2923.<\/p>\n<\/div><\/div><\/div><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-faq faq\"><div class=\"faq__header\"><h3>Insurance premiums<\/h3><\/div><div class=\"faq__content\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titleolauliq1\" class=\"collapse-toggle collapsed\" data-target=\"#accordionolauliq1\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-dc0ecea2\" aria-controls=\"accordionolauliq1\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How is my premium calculated?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How is my premium calculated?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionolauliq1\" role=\"region\" aria-labelledby=\"accordion-titleolauliq1\"><div class=\"collapse-inner\">\n<p>Because each person&#8217;s situation is unique, there isn&#8217;t a single answer to this question. However, using statistics and complex formulas, insurance companies usually calculate your car insurance premium by taking into account where you live, the type of vehicle you drive (and how you use it), your driving and claims record, other drivers on your policy and the amount of coverage you want.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titleoa4v8t4w\" class=\"collapse-toggle collapsed\" data-target=\"#accordionoa4v8t4w\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-5cf8afa2\" aria-controls=\"accordionoa4v8t4w\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How can I save on auto insurance?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How can I save on auto insurance?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionoa4v8t4w\" role=\"region\" aria-labelledby=\"accordion-titleoa4v8t4w\"><div class=\"collapse-inner\">\n<p>We offer a personalized price tailored specifically to your needs. Here are a few things to consider to ensure you receive the most competitive rate for your insurance:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Newly licensed or student drivers may be eligible for savings<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Bundling your car insurance with home or renter\u2019s insurance<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Having multiple cars insured with the same company<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Ask about group insurance plans<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Personalize your coverage<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Having a clean driving record<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Having a good credit score<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>Please refer to our web article <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/car-insurance\/how-to-save-money-on-car-insurance\" data-dig-id=\"LP-32439-2d55f9ec\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Seven Ways to Save Money on Car Insurance\" class=\"rbc-link-format\">Seven Ways to Save Money on Car Insurance<\/a> for more information on how to save money.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlesry976m9\" class=\"collapse-toggle collapsed\" data-target=\"#accordionsry976m9\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-be222f75\" aria-controls=\"accordionsry976m9\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What kind of discounts can I get?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What kind of discounts can I get?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionsry976m9\" role=\"region\" aria-labelledby=\"accordion-titlesry976m9\"><div class=\"collapse-inner\">\n<p>There are several ways to save on your car insurance.<\/p>\n\n\n\n<p>Depending on the province you live in, there are some discounts that may apply to you automatically\u2014for example being claims-free for a certain time period or qualifying as a mature or experienced driver.<\/p>\n\n\n\n<p>In other cases, there are specific things you can do to qualify for other potential discounts. This includes:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Save when you insure more than one vehicle through us<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Save on your car insurance policy when you purchase a homeowners, condo or renters insurance policy through us<\/p>\n<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titled8eilta7\" class=\"collapse-toggle collapsed\" data-target=\"#accordiond8eilta7\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-80f2f5c4\" aria-controls=\"accordiond8eilta7\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"If I've had no accidents or claims, will I pay less?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>If I&#8217;ve had no accidents or claims, will I pay less?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordiond8eilta7\" role=\"region\" aria-labelledby=\"accordion-titled8eilta7\"><div class=\"collapse-inner\">\n<p>Most likely, yes. Your driving record is one of the factors insurance companies consider when calculating your car insurance premium. The more experienced you are and the fewer claims and accidents you&#8217;ve had, the lower your premium is likely to be.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titleu509chzr\" class=\"collapse-toggle collapsed\" data-target=\"#accordionu509chzr\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-ccd9d6fb\" aria-controls=\"accordionu509chzr\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Do you offer savings for safe driving?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Do you offer savings for safe driving?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionu509chzr\" role=\"region\" aria-labelledby=\"accordion-titleu509chzr\"><div class=\"collapse-inner\">\n<p>Your driving record is a key factor in determining how much you pay for insurance. It includes your class of license, number of years licensed, traffic convictions, and claims.<\/p>\n\n\n\n<p>The <em>Aviva Journey<\/em> app puts you in control of your car insurance costs by tracking your driving habits in real time. Enjoy tips on safe driving and get a personalized premium, which can&nbsp;decrease&nbsp;or&nbsp;increase, based on your driving habits. The safer you drive, the more you save. Download the Aviva Journey app today and start turning your good driving habits into real savings on your car insurance!<\/p>\n\n\n\n<p>Please visit the <a href=\"https:\/\/www.aviva.ca\/en\/journey\/\" target=\"_blank\" data-dig-id=\"LP-32439-5ffad018\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Aviva Journey\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\" rel=\"noreferrer noopener\">Aviva Journey<\/a> website for more information.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titleufp8mms4\" class=\"collapse-toggle collapsed\" data-target=\"#accordionufp8mms4\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-9a58c713\" aria-controls=\"accordionufp8mms4\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How can I pay for my premium?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How can I pay for my premium?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionufp8mms4\" role=\"region\" aria-labelledby=\"accordion-titleufp8mms4\"><div class=\"collapse-inner\">\n<p>You have several choices for paying your car insurance premium:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>A yearly lump-sum payment by cash, cheque, Visa* or Mastercard<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Monthly payments via regular, pre-authorized chequing account withdrawals or credit card (Visa or Mastercard) debits<\/p>\n<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlenxfhyek5\" class=\"collapse-toggle collapsed\" data-target=\"#accordionnxfhyek5\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-b7b06dec\" aria-controls=\"accordionnxfhyek5\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How do I set up pre-authorized chequing payments?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How do I set up pre-authorized chequing payments?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionnxfhyek5\" role=\"region\" aria-labelledby=\"accordion-titlenxfhyek5\"><div class=\"collapse-inner\">\n<p>To take advantage of this easy payment option, simply give us your bank&#8217;s transit and institution number, as well as your account number (a void cheque is not required) when you complete a pre-authorized chequing payment form. You can even choose the date you&#8217;d like your account to be debited each month.<\/p>\n<\/div><\/div><\/div><\/div>\n<\/div>\n<\/div><\/div>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-faq-wrapper faqWrapper  menuStyle__enhanced menuItems__dropdown mar-t-dbl mob-mar-t-dbl\"><div class=\"faqWrapper__header\"><h2>Home insurance<\/h2><\/div><div class=\"faqWrapper__content\"><div class=\"faqWrapper__content-left\">\n<div class=\"selectDropdown__wrapper\">\n\t<div class=\"selectDropdown selectDropdown__default  selectDropdown__floating \" \t\tdata-option_name=\"\" style=\"width:100%\">\n\t\t\t\t<button class=\"selectDropdown__button\" aria-haspopup=\"listbox\" aria-expanded=\"false\">\n\t\t\t<span class=\"selectDropdown__title\" data-default_title=\"Coverage\">\n\t\t\t\tCoverage\t\t\t<\/span>\n\t\t\t<span class=\"selectDropdown__chevron\"><\/span>\n\t\t<\/button>\n\t\t<ul class=\"selectDropdown__list\" role=\"listbox\" tabindex=\"-1\">\n\t\t\t\t\t\t\t<li\n\t\t\t\t\tclass=\"selectDropdown__list__item selected\"\n\t\t\t\t\tdata-option_value=\"0\"\n\t\t\t\t\trole=\"option\"\n\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t>\n\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\tCoverage\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<li\n\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\tdata-option_value=\"1\"\n\t\t\t\t\trole=\"option\"\n\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t>\n\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\tDeductibles and premiums\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<li\n\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\tdata-option_value=\"2\"\n\t\t\t\t\trole=\"option\"\n\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t>\n\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\tClaims and service\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/li>\n\t\t\t\t\t<\/ul>\n\t\t\t<\/div>\n\t<\/div>\n<div class=\"faqWrapper__menuItems\"><ul class=\"menuItems__enhanced\" role=\"tablist\" tabindex=\"0\"><li class=\"faqWrapper__menuItem\" tabindex=\"0\" role=\"tab\" aria-selected=\"false\" id=\"faqWrapper__menuItem_1\"><div class=\"menuItems__enhanced__content\"><p class=\"menuItem__enhanced__name\">Coverage<\/p><\/div><\/li><li class=\"faqWrapper__menuItem\" tabindex=\"0\" role=\"tab\" aria-selected=\"false\" id=\"faqWrapper__menuItem_2\"><div class=\"menuItems__enhanced__content\"><p class=\"menuItem__enhanced__name\">Deductibles and premiums<\/p><\/div><\/li><li class=\"faqWrapper__menuItem\" tabindex=\"0\" role=\"tab\" aria-selected=\"false\" id=\"faqWrapper__menuItem_3\"><div class=\"menuItems__enhanced__content\"><p class=\"menuItem__enhanced__name\">Claims and service<\/p><\/div><\/li><\/ul><\/div><\/div><div class=\"faqWrapper__content-right\">\n<div class=\"wp-block-rbc-faq faq\"><div class=\"faq__header\"><h3>Coverage<\/h3><\/div><div class=\"faq__content\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlev4ulgziu\" class=\"collapse-toggle collapsed\" data-target=\"#accordionv4ulgziu\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-9d5c949f\" aria-controls=\"accordionv4ulgziu\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What types of home insurance do you offer?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What types of home insurance do you offer?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionv4ulgziu\" role=\"region\" aria-labelledby=\"accordion-titlev4ulgziu\"><div class=\"collapse-inner\">\n<p>We offer multiple different types of home insurance, including:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/home-insurance\/homeowners-insurance\/\" data-dig-id=\"LP-32439-c70e11af\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Homeowners Insurance\" class=\"rbc-link-format\">Homeowners Insurance<\/a>: Covers your home, personal property, liability, and living expenses if your home is uninhabitable.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/home-insurance\/tenant-insurance\/\" data-dig-id=\"LP-32439-2e4eee50\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Tenant Insurance\" class=\"rbc-link-format\">Tenant Insurance<\/a>: Protects your personal property and offers liability coverage.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/home-insurance\/condo-insurance\/\" data-dig-id=\"LP-32439-61daff5b\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Condo Insurance\" class=\"rbc-link-format\">Condo Insurance<\/a>: Covers your personal property and liability, excluding common areas.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/home-insurance\/cottage-insurance\/\" data-dig-id=\"LP-32439-0634416c\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Seasonal or Secondary Home Insurance\" class=\"rbc-link-format\">Seasonal or Secondary Home Insurance<\/a>: Tailored to vacation homes, cottages, and other second homes.<\/p>\n<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title4iy7ei2g\" class=\"collapse-toggle collapsed\" data-target=\"#accordion4iy7ei2g\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-a6aa6bb3\" aria-controls=\"accordion4iy7ei2g\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What does home insurance usually protect?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What does home insurance usually protect?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion4iy7ei2g\" role=\"region\" aria-labelledby=\"accordion-title4iy7ei2g\"><div class=\"collapse-inner\">\n<p>It depends on the type of home you live in. If you own a house, your property insurance will cover the house itself and detached structures like a fence or storage shed.<\/p>\n\n\n\n<p>Your insurance will also cover personal belongings such as jewellery, artwork, furniture, computers, carpets and more.<\/p>\n\n\n\n<p>Finally, your policy also includes third-party liability coverage. This protects you against personal liability if somebody is injured while on your property or if you accidentally cause damage to a neighbour&#8217;s property.<\/p>\n\n\n\n<p>Here are some of the best tips for saving through RBC Insurance:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Lower your premium by choosing a higher deductible<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Combine your insurance through us<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Install a home security system<\/p>\n<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlea58wlxh5\" class=\"collapse-toggle collapsed\" data-target=\"#accordiona58wlxh5\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-72db1d82\" aria-controls=\"accordiona58wlxh5\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"When should I buy home insurance?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>When should I buy home insurance?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordiona58wlxh5\" role=\"region\" aria-labelledby=\"accordion-titlea58wlxh5\"><div class=\"collapse-inner\">\n<p>Your coverage should begin as soon as you become the legal owner or tenant, even if your home or condo unit is still being built.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlegcy7m7wo\" class=\"collapse-toggle collapsed\" data-target=\"#accordiongcy7m7wo\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-cd8ba13e\" aria-controls=\"accordiongcy7m7wo\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What is the difference between All Perils and Specific Perils coverage?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What is the difference between All Perils and Specific Perils coverage?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordiongcy7m7wo\" role=\"region\" aria-labelledby=\"accordion-titlegcy7m7wo\"><div class=\"collapse-inner\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>All Perils<\/strong> protects your insured property against the widest range of risks and only excludes the perils specifically listed in your policy.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Specified Perils<\/strong> protects your insured property against the most common risks, which will be listed in your policy.<\/p>\n<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title1sc9g5nh\" class=\"collapse-toggle collapsed\" data-target=\"#accordion1sc9g5nh\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-d1c3f539\" aria-controls=\"accordion1sc9g5nh\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Why do I need tenant insurance?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Why do I need tenant insurance?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion1sc9g5nh\" role=\"region\" aria-labelledby=\"accordion-title1sc9g5nh\"><div class=\"collapse-inner\">\n<p>The owner of the property you&#8217;re renting almost certainly has insurance on the building itself. They may also have coverage for certain items inside your rental unit, such as the carpets, light fittings and appliances. So you may wonder why you need coverage too.<\/p>\n\n\n\n<p>Here are three excellent reasons:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Your landlord&#8217;s insurance will not cover your personal belongings. Your jewellery, artwork, furniture, entertainment equipment and other valuable belongings will not be protected.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Your landlord&#8217;s insurance most likely does not cover any upgrades you have made to your rental unit and paid for yourself. For example, you may have installed upgraded carpets or added built-in shelving units in the closets.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Finally, you need to protect yourself against personal liability for injuries to visitors to your home or for damage you accidentally cause to your neighbours&#8217; property.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>For details, see: <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/home-insurance\/tenant-insurance\/\" data-dig-id=\"LP-27354-1c704a15\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Tenant Insurance\" class=\"rbc-link-format\">Tenant Insurance<\/a>.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titleosl5payz\" class=\"collapse-toggle collapsed\" data-target=\"#accordionosl5payz\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-0371359a\" aria-controls=\"accordionosl5payz\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Why do I need condo insurance?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Why do I need condo insurance?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionosl5payz\" role=\"region\" aria-labelledby=\"accordion-titleosl5payz\"><div class=\"collapse-inner\">\n<p>Your condominium corporation has insurance, so you may wonder why you need your own coverage.<\/p>\n\n\n\n<p>Here are three excellent reasons:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Your condominium corporation&#8217;s policy will not cover your personal belongings. Your jewellery, artwork, furniture, entertainment equipment and other valuable belongings will not be protected.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Your condominium corporation&#8217;s policy only covers items that are part of the building. You need your own insurance to protect the upgrades you have made inside your unit, such as better carpets and built-in cupboards.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Finally, you need to protect yourself against personal liability for injuries to visitors to your home or for damage you accidentally cause to your neighbours&#8217; property.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>For details, see: <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/home-insurance\/condo-insurance\/\" data-dig-id=\"LP-27354-e7e03445\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Condo Insurance\" class=\"rbc-link-format\">Condo Insurance<\/a>.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title5lhvswim\" class=\"collapse-toggle collapsed\" data-target=\"#accordion5lhvswim\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-d47d1848\" aria-controls=\"accordion5lhvswim\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How does liability insurance protect me?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How does liability insurance protect me?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion5lhvswim\" role=\"region\" aria-labelledby=\"accordion-title5lhvswim\"><div class=\"collapse-inner\">\n<p>The liability coverage included in a homeowners, condo or tenant insurance plan protects you financially if you unintentionally cause bodily injury or property damage to others\u2014at your home or anywhere in the world. For example:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>A babysitter slips on a spill on your kitchen floor and injures her back.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>A dead tree in your yard falls and hits your neighbour&#8217;s roof, causing damage.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>You throw a baseball on the beach while on vacation in Florida and you accidentally knock out a bystander&#8217;s tooth.<\/p>\n<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlezc5h7oiu\" class=\"collapse-toggle collapsed\" data-target=\"#accordionzc5h7oiu\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-9c14eae6\" aria-controls=\"accordionzc5h7oiu\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Does my home insurance policy cover all water losses?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Does my home insurance policy cover all water losses?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionzc5h7oiu\" role=\"region\" aria-labelledby=\"accordion-titlezc5h7oiu\"><div class=\"collapse-inner\">\n<p>Insurance coverage for water damage depends on a number of things, like where you live and how your home was constructed. Insurance for some types of water damage may be included automatically in your policy, and some may need to be purchased as extra.<\/p>\n\n\n\n<p>Examples of causes of water damage that aren\u2019t covered under most standard home insurance plans are flooding and seepage:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Flooding<\/strong> results in damage from water that flows into your home from natural sources like lakes and rivers, or large amounts of pooled water.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Seepage<\/strong> refers to the slow movement of water or other fluid through small openings, cracks or pores in your home.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>Causes of water damage that are usually covered by most standard home insurance plans include or can be added by endorsement:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Sewer backup:<\/strong> Water is forced through the sewer system back into your home, or your sump pump fails (Sewer back can be added by endorsement).<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Water Escape:<\/strong> This covers water damage that may be caused when your bath or sink overflows or a pipe or hose inside your house breaks.<\/p>\n<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlewt4046mt\" class=\"collapse-toggle collapsed\" data-target=\"#accordionwt4046mt\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-b5a71383\" aria-controls=\"accordionwt4046mt\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Will my home insurance policy include earthquake coverage?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Will my home insurance policy include earthquake coverage?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionwt4046mt\" role=\"region\" aria-labelledby=\"accordion-titlewt4046mt\"><div class=\"collapse-inner\">\n<p>Not automatically. However, you can purchase earthquake coverage for an additional premium. For details, see <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/home-insurance\/property-insurance-endorsements\/\" data-dig-id=\"LP-27354-b6e95425\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Endorsements for Your Property\" class=\"rbc-link-format\">Endorsements for Your Property<\/a>.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title9arxqw1o\" class=\"collapse-toggle collapsed\" data-target=\"#accordion9arxqw1o\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-b49cbd7d\" aria-controls=\"accordion9arxqw1o\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Will my home insurance cover my personal belongings when I'm travelling?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Will my home insurance cover my personal belongings when I&#8217;m travelling?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion9arxqw1o\" role=\"region\" aria-labelledby=\"accordion-title9arxqw1o\"><div class=\"collapse-inner\">\n<p>Most property insurance will protect your belongings when you travel. For example, if your luggage is stolen from a hotel room or your car, you may be covered for the loss.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlec1odwmp2\" class=\"collapse-toggle collapsed\" data-target=\"#accordionc1odwmp2\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-32b3eca5\" aria-controls=\"accordionc1odwmp2\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"I have done renovations and improvements. Will my home insurance replace these upgrades?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>I have done renovations and improvements. Will my home insurance replace these upgrades?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionc1odwmp2\" role=\"region\" aria-labelledby=\"accordion-titlec1odwmp2\"><div class=\"collapse-inner\">\n<p>Remodeling your home may change the valuation placed on your property. If you build a major addition or swimming pool, you will need to update your insurance policy.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlejpufa8hr\" class=\"collapse-toggle collapsed\" data-target=\"#accordionjpufa8hr\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-8efa8a9e\" aria-controls=\"accordionjpufa8hr\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What is &quot;overland water&quot;?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What is &#8220;overland water&#8221;?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionjpufa8hr\" role=\"region\" aria-labelledby=\"accordion-titlejpufa8hr\"><div class=\"collapse-inner\">\n<p>Overland water is fresh water that accumulates on land which is usually dry, resulting from:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Torrential rain or snow melt;<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Overflow of a body of fresh water.<\/p>\n<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titleay5tndkt\" class=\"collapse-toggle collapsed\" data-target=\"#accordionay5tndkt\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-aea7482b\" aria-controls=\"accordionay5tndkt\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"I already have the Extended Water Damage coverage. Why should I purchase the Overland Water Endorsement?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>I already have the Extended Water Damage coverage. Why should I purchase the Overland Water Endorsement?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionay5tndkt\" role=\"region\" aria-labelledby=\"accordion-titleay5tndkt\"><div class=\"collapse-inner\">\n<p>We\u2019ve made the Overland Water Endorsement available for purchase in response to the effects of changing weather patterns and the increasing number of severe storm events that often cause property damage.<\/p>\n\n\n\n<p>If you purchase this additional protection, you will have coverage for damage caused by overland water entering your property from torrential rains, rapid snow melt, or overflow of lakes, streams and rivers. This includes coverage for loss or damage from the sudden and accidental entrance of overland fresh water through foundations, basement walls or basement doors. This coverage is not included in your Extended Water Damage coverage.<\/p>\n\n\n\n<p>However, please remember that Your Extended Water Damage option also provides very important coverage. This includes the sudden and accidental backing up of water or sewage through:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Drains, waste and sewer pipes that are underground or outside the building<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Septic tanks, septic systems or connected piping located outside a the building<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Retention tanks or holding ponds, sump pits, sump pumps and their attached piping or equipment<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Eaves troughs or downspouts<\/p>\n<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlegsgvrsjq\" class=\"collapse-toggle collapsed\" data-target=\"#accordiongsgvrsjq\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-2cf1693b\" aria-controls=\"accordiongsgvrsjq\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What does the Overland Water endorsement not cover?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What does the Overland Water endorsement not cover?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordiongsgvrsjq\" role=\"region\" aria-labelledby=\"accordion-titlegsgvrsjq\"><div class=\"collapse-inner\">\n<p>Overland water does not cover:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>damage from coastal flooding of salt water including spray or storm surge.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>seepage through basement walls, doors or foundations that is not caused by Overland Water<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>loss or damage from water resulting from the intentional breaches of structures such as dams, dykes and levees<\/p>\n<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title3rcgz63u\" class=\"collapse-toggle collapsed\" data-target=\"#accordion3rcgz63u\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-fcfc6bfe\" aria-controls=\"accordion3rcgz63u\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What coverage makes up the Home Repair Bundle?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What coverage makes up the Home Repair Bundle?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion3rcgz63u\" role=\"region\" aria-labelledby=\"accordion-title3rcgz63u\"><div class=\"collapse-inner\">\n<p>The Home Repair Bundle includes all three services for $125 per year:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Home Repair Assure to fix a minor issue before it leads to a large claim;<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Claim Prevent to prevent a further claim occurring from the same cause after a claim has already occurred;<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>HALO Assist for free access to phone advice from legal and health experts.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>In addition to the home repair service, you have access to unlimited information about covered repair issues in your home. You can call the toll-free number any day, any time and a service representative can answer questions you may have about home issues and repairs. If your home repair issue is not covered under the program, you can choose to be referred to a trusted service provider in your area. You can then arrange and pay for service directly with them.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlekpkv3i3h\" class=\"collapse-toggle collapsed\" data-target=\"#accordionkpkv3i3h\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-84f5b735\" aria-controls=\"accordionkpkv3i3h\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Can I use the Home Repair Bundle service as soon as I purchase the endorsement?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Can I use the Home Repair Bundle service as soon as I purchase the endorsement?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionkpkv3i3h\" role=\"region\" aria-labelledby=\"accordion-titlekpkv3i3h\"><div class=\"collapse-inner\">\n<p>Three different services are available.<\/p>\n\n\n\n<ol class=\"wp-block-rbc-list\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Claim Prevent can be used immediately after a covered claim.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>The services in HALO Assist can be used immediately after the date coverage starts<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>For the Home Repair Assure portion of the endorsement, there is a 45-day waiting period from the date coverages starts<\/p>\n<\/li>\n<\/ol>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlerlp1cdro\" class=\"collapse-toggle collapsed\" data-target=\"#accordionrlp1cdro\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-518034ec\" aria-controls=\"accordionrlp1cdro\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Can I purchase only one or two of the three services offered in the Home Repair Bundle?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Can I purchase only one or two of the three services offered in the Home Repair Bundle?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionrlp1cdro\" role=\"region\" aria-labelledby=\"accordion-titlerlp1cdro\"><div class=\"collapse-inner\">\n<p>The services cannot be purchased separately.<\/p>\n<\/div><\/div><\/div><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-faq faq\"><div class=\"faq__header\"><h3>Deductibles and premiums<\/h3><\/div><div class=\"faq__content\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title1tdpuopd\" class=\"collapse-toggle collapsed\" data-target=\"#accordion1tdpuopd\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-4c39485b\" aria-controls=\"accordion1tdpuopd\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What is an insurance deductible?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What is an insurance deductible?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion1tdpuopd\" role=\"region\" aria-labelledby=\"accordion-title1tdpuopd\"><div class=\"collapse-inner\">\n<p>The deductible is the amount you must pay out-of-pocket for a claim before your insurance policy pays.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title66wsh59r\" class=\"collapse-toggle collapsed\" data-target=\"#accordion66wsh59r\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-3afdc26f\" aria-controls=\"accordion66wsh59r\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What are my deductible options for home insurance?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What are my deductible options for home insurance?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion66wsh59r\" role=\"region\" aria-labelledby=\"accordion-title66wsh59r\"><div class=\"collapse-inner\">\n<p>The standard deductible amount is $1,000 for homeowner, condominium owner or tenant insurance policies. You may be eligible to increase or decrease your deductible amount, which may impact your insurance premium. Since the deductible amount is what you pay out-of-pocket for a claim, it is important you choose an amount that you can afford if you ever need to make a claim.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titledd41l11l\" class=\"collapse-toggle collapsed\" data-target=\"#accordiondd41l11l\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-77336820\" aria-controls=\"accordiondd41l11l\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Will my deductible apply to all types of property insurance claims?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Will my deductible apply to all types of property insurance claims?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordiondd41l11l\" role=\"region\" aria-labelledby=\"accordion-titledd41l11l\"><div class=\"collapse-inner\">\n<p>In most cases for property loss or damage, a deductible will apply. However, there are certain instances when you will not have to pay a deductible for property losses.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlede8agaxl\" class=\"collapse-toggle collapsed\" data-target=\"#accordionde8agaxl\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-1d942cc1\" aria-controls=\"accordionde8agaxl\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How can I pay for my home insurance?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How can I pay for my home insurance?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionde8agaxl\" role=\"region\" aria-labelledby=\"accordion-titlede8agaxl\"><div class=\"collapse-inner\">\n<p>You have several payment options, including regular pre-authorized chequing account withdrawals, credit card debits (Visa or Mastercard) and lump-sum payments.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titleeq6bww6j\" class=\"collapse-toggle collapsed\" data-target=\"#accordioneq6bww6j\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-b74edd4e\" aria-controls=\"accordioneq6bww6j\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How can I save on home insurance?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How can I save on home insurance?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordioneq6bww6j\" role=\"region\" aria-labelledby=\"accordion-titleeq6bww6j\"><div class=\"collapse-inner\">\n<p>We offer a personalized price tailored specifically to your needs. Here are a few things to consider to ensure you receive the most competitive rate for your insurance:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Get professional insurance advice<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Pay for your insurance annually<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Consent to a credit check<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Bundle your insurance<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Ask about group insurance plans<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Install smoke and burglar alarms<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Consider buying a new home vs. an older one<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Get rewarded for your loyalty<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Protect your home<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>Please refer to our web article <em><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/home-insurance\/nine-ways-to-save-on-home-insurance\" data-dig-id=\"LP-32439-c6578f75\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Nine Ways to Save on Home Insurance\" class=\"rbc-link-format\">Nine Ways to Save on Home Insurance<\/a><\/em> for more details.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titleu8z4q0le\" class=\"collapse-toggle collapsed\" data-target=\"#accordionu8z4q0le\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-2da182af\" aria-controls=\"accordionu8z4q0le\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Will my premium increase if I use any of the services offered under the Home Repair Bundle?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Will my premium increase if I use any of the services offered under the Home Repair Bundle?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionu8z4q0le\" role=\"region\" aria-labelledby=\"accordion-titleu8z4q0le\"><div class=\"collapse-inner\">\n<p>Using any of the services provided under the Home Repair Bundle won\u2019t affect your claims history or claims-free discount. The Home Repair Bundle is designed to help you proactively reduce and prevent the same claims from occurring and provide further protection with assistance services.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlezj0xyghz\" class=\"collapse-toggle collapsed\" data-target=\"#accordionzj0xyghz\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-eae38d5d\" aria-controls=\"accordionzj0xyghz\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Will my premium increase if I make a claim under the Identity Theft Expense Endorsement?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Will my premium increase if I make a claim under the Identity Theft Expense Endorsement?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionzj0xyghz\" role=\"region\" aria-labelledby=\"accordion-titlezj0xyghz\"><div class=\"collapse-inner\">\n<p>If you make a claim under this endorsement, your premium, claims history and claims-free discount will not be affected. You do not have to pay your policy deductible if you have an Identity Theft claim.<\/p>\n<\/div><\/div><\/div><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-faq faq\"><div class=\"faq__header\"><h3>Claims and service<\/h3><\/div><div class=\"faq__content\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title580yzrs2\" class=\"collapse-toggle collapsed\" data-target=\"#accordion580yzrs2\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-b9836963\" aria-controls=\"accordion580yzrs2\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Can I get anonymous claims advice before making a home insurance claim?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Can I get anonymous claims advice before making a home insurance claim?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion580yzrs2\" role=\"region\" aria-labelledby=\"accordion-title580yzrs2\"><div class=\"collapse-inner\">\n<p>Yes, you can call 1-866-953-8285 to get free, anonymous home and auto insurance advice before you make a claim. You don\u2019t have to give your name or policy number. Claims advisors will provide you with impartial information pertaining to your specific situation to help you decide on the best course of action.<\/p>\n\n\n\n<p><strong>Note:<\/strong> This service is not available in Qu\u00e9bec.<sup><a href=\"#legal-1\" data-dig-id=\"LP-27354-d5b34395\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"1\" class=\"rbc-link-format\">1<\/a><\/sup> Quebec residents may call 1-800-769-2526 for questions about their policy and coverages.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titled4115y67\" class=\"collapse-toggle collapsed\" data-target=\"#accordiond4115y67\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-9f8b4200\" aria-controls=\"accordiond4115y67\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What information do I need to provide with my home insurance claim?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What information do I need to provide with my home insurance claim?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordiond4115y67\" role=\"region\" aria-labelledby=\"accordion-titled4115y67\"><div class=\"collapse-inner\">\n<p>Providing the following information with your claim will help us to resolve your claim quicker:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Your policy number<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Your contact details<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Photos or videos of any damage<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Police report (if any)<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Name and contact information for any service providers who helped you (roofers, for example)<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Invoices and receipts for out-of-pocket expenses, such as hotel expenses if you couldn\u2019t stay in your home<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>An inventory of the damages and loss to your property and personal belongings<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>A detailed list describing stolen property, if applicable<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Receipts for any property that was lost or damaged<\/p>\n<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlekbejud04\" class=\"collapse-toggle collapsed\" data-target=\"#accordionkbejud04\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-b2d80ec7\" aria-controls=\"accordionkbejud04\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Does my home insurance allow for a cash settlement on building repairs?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Does my home insurance allow for a cash settlement on building repairs?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionkbejud04\" role=\"region\" aria-labelledby=\"accordion-titlekbejud04\"><div class=\"collapse-inner\">\n<p>Yes. Your claims advisor will work with you to determine the cash settlement on minor repairs. Generally, a cash settlement will be based on the property\u2019s age, condition of the property immediately before the damage occurred, and the property&#8217;s normal life expectancy. Cash settlements typically exclude government taxes and the profit and overhead costs that would normally be paid to a contractor to complete the repairs.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlem2yxiwmk\" class=\"collapse-toggle collapsed\" data-target=\"#accordionm2yxiwmk\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-1f03ac96\" aria-controls=\"accordionm2yxiwmk\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Can I choose my building contractor to do property repairs?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Can I choose my building contractor to do property repairs?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionm2yxiwmk\" role=\"region\" aria-labelledby=\"accordion-titlem2yxiwmk\"><div class=\"collapse-inner\">\n<p>Choosing a repair firm is up to you. However, you can also choose from a network of trusted contractor partners through Aviva\u2019s Premiere Contractor Network. Benefits of using a trusted contractor include:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Quality repairs are done by an approved restoration specialist in your community<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Turnaround times for repairs are typically faster<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>You\u2019ll have a lifetime guarantee on the repairs for as long as you\u2019re insured through RBC Insurance (<a href=\"https:\/\/www.aviva.ca\/en\/claim\/claims-service-satisfaction-guarantee\/?pid=pro-per-cla-pvn-cssg-lrn-en\" target=\"_blank\" data-dig-id=\"LP-27354-baa78c3a\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"terms and conditions\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\" rel=\"noreferrer noopener\">terms and conditions<\/a>)<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>If you use your own contractor, your claims advisor will work with you and the contractor to determine the scope of the repairs and a price for completing them.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titleoqfbonyd\" class=\"collapse-toggle collapsed\" data-target=\"#accordionoqfbonyd\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-e7fd09e0\" aria-controls=\"accordionoqfbonyd\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What happens if my belongings have been stolen or damaged?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What happens if my belongings have been stolen or damaged?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionoqfbonyd\" role=\"region\" aria-labelledby=\"accordion-titleoqfbonyd\"><div class=\"collapse-inner\">\n<p>A claims advisor will ask you to prepare an itemized list of all your missing and damaged property (see Schedule of Loss below). Depending on the severity of the damages or loss, a claims advisor might inspect your property, document the claim and assist you through the process. The claims advisor will review your policy and let you know which coverages apply and their corresponding limits. You may be asked to gather key documents to establish proof of ownership. These documents can include: receipts, owner\u2019s manuals, warranty cards, appraisals, photographs, original manufacturer packaging, etc.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titletya8xuir\" class=\"collapse-toggle collapsed\" data-target=\"#accordiontya8xuir\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-dfdfaa98\" aria-controls=\"accordiontya8xuir\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What is a schedule of loss for home insurance claims?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What is a schedule of loss for home insurance claims?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordiontya8xuir\" role=\"region\" aria-labelledby=\"accordion-titletya8xuir\"><div class=\"collapse-inner\">\n<p>A schedule of loss is a document you\u2019ll need to complete listing all the lost or damaged items in a claim. It should include information about the item itself like the model number, when and where it was purchased, the cost of the purchase and the replacement amount.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title2v2e5wmu\" class=\"collapse-toggle collapsed\" data-target=\"#accordion2v2e5wmu\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-c6f8c4d4\" aria-controls=\"accordion2v2e5wmu\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What is a Proof of Loss form for home insurance claims?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What is a Proof of Loss form for home insurance claims?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion2v2e5wmu\" role=\"region\" aria-labelledby=\"accordion-title2v2e5wmu\"><div class=\"collapse-inner\">\n<p>A Proof of Loss form is the official document you complete and provide to your claims advisor regarding a loss. It provides the insurer with all the information needed to assess the loss.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titleyz390r6d\" class=\"collapse-toggle collapsed\" data-target=\"#accordionyz390r6d\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-336fc338\" aria-controls=\"accordionyz390r6d\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"When will someone contact me about my home insurance claim?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>When will someone contact me about my home insurance claim?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionyz390r6d\" role=\"region\" aria-labelledby=\"accordion-titleyz390r6d\"><div class=\"collapse-inner\">\n<p>When you call to report your claim, a claims advisor will get started on it right away and explain next steps. If you report your claim online, a claims advisor will call you the next business day.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title0mnogfzm\" class=\"collapse-toggle collapsed\" data-target=\"#accordion0mnogfzm\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-194023ba\" aria-controls=\"accordion0mnogfzm\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How long will it take to resolve my home insurance claims?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How long will it take to resolve my home insurance claims?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion0mnogfzm\" role=\"region\" aria-labelledby=\"accordion-title0mnogfzm\"><div class=\"collapse-inner\">\n<p>Each claim is different, but the goal of the claims advisor team is to help you get things back on track as quickly as possible. Some claims can be taken care of in a single phone call. Others that are more complex or involve severe damage, may require a more in-depth review of the incident and other claims experts. Your claims advisor will go over the process with you and provide a time estimate when they begin to handle your claim.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title43nujdtj\" class=\"collapse-toggle collapsed\" data-target=\"#accordion43nujdtj\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-c0832b73\" aria-controls=\"accordion43nujdtj\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Will my home insurance claim affect my premium?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Will my home insurance claim affect my premium?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion43nujdtj\" role=\"region\" aria-labelledby=\"accordion-title43nujdtj\"><div class=\"collapse-inner\">\n<p>Your premiums are based on many different things, so it really depends on your unique situation, your claims history and other factors. If you have any questions, please speak to an insurance advisor.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlebnyerz2s\" class=\"collapse-toggle collapsed\" data-target=\"#accordionbnyerz2s\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-f94eb12f\" aria-controls=\"accordionbnyerz2s\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How does my deductible factor into my home insurance claim?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How does my deductible factor into my home insurance claim?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionbnyerz2s\" role=\"region\" aria-labelledby=\"accordion-titlebnyerz2s\"><div class=\"collapse-inner\">\n<p>If you make a claim, you will be responsible for covering a certain amount of the total claim amount. This is called your deductible. The amount that remains after you pay your deductible is the portion that your claims advisor will arrange to pay to settle your claim.<\/p>\n\n\n\n<p>For example, if your insured damages will cost $7,000 to repair and your deductible is $1,000, your claims advisor would arrange to pay $6,000. Your claims advisor will review how the deductible will work when you report a claim.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlez96u5oki\" class=\"collapse-toggle collapsed\" data-target=\"#accordionz96u5oki\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-7ccc89fb\" aria-controls=\"accordionz96u5oki\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How is the amount of my home insurance claim determined?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How is the amount of my home insurance claim determined?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionz96u5oki\" role=\"region\" aria-labelledby=\"accordion-titlez96u5oki\"><div class=\"collapse-inner\">\n<p>A claims advisor will explain all the details of your claim, including how the amount paid out is determined.<\/p>\n<\/div><\/div><\/div><\/div>\n<\/div>\n<\/div><\/div>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-faq faq mar-t-dbl mob-mar-t-dbl\"><div class=\"faq__header\"><h2>Group Discounts<\/h2><\/div><div class=\"faq__content\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlecyacatzz\" class=\"collapse-toggle collapsed\" data-target=\"#accordioncyacatzz\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-db47346b\" aria-controls=\"accordioncyacatzz\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What is a group discount?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What is a group discount?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordioncyacatzz\" role=\"region\" aria-labelledby=\"accordion-titlecyacatzz\"><div class=\"collapse-inner\">\n<p>A special rate offered to certain associations connected to education, professions, or employers that have partnered with an insurance company.<\/p>\n\n\n\n<p>Group home and auto insurance programs offer preferred rates to individuals affiliated with specific organizations as part of employer arrangements.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlef6aovjrl\" class=\"collapse-toggle collapsed\" data-target=\"#accordionf6aovjrl\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-ee760f05\" aria-controls=\"accordionf6aovjrl\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What groups are eligible to receive a discount?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What groups are eligible to receive a discount?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionf6aovjrl\" role=\"region\" aria-labelledby=\"accordion-titlef6aovjrl\"><div class=\"collapse-inner\">\n<p>Employees or clients may qualify for a group discount if their employer, union, or professional association has an agreement with the provider. To access the discount, individuals may be required to provide an employee number or member ID.<\/p>\n\n\n\n<p>To know if you are part of an eligible group, please contact us or refer to the online quoting tool.<\/p>\n\n\n\n<p>Please note: Eligibility for the group discount is not contingent upon receiving benefits from the employer.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title3160mzn0\" class=\"collapse-toggle collapsed\" data-target=\"#accordion3160mzn0\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-a736c705\" aria-controls=\"accordion3160mzn0\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"If I already have a policy, can I add a group discount?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>If I already have a policy, can I add a group discount?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion3160mzn0\" role=\"region\" aria-labelledby=\"accordion-title3160mzn0\"><div class=\"collapse-inner\">\n<p>If you already have an active policy and would like to add a group discount, please contact us. One of our licensed insurance advisors will be happy to assist you in adding the discount to your policy.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title28z6rs0h\" class=\"collapse-toggle collapsed\" data-target=\"#accordion28z6rs0h\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-dd08dc73\" aria-controls=\"accordion28z6rs0h\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Can I add more than one group discount?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Can I add more than one group discount?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion28z6rs0h\" role=\"region\" aria-labelledby=\"accordion-title28z6rs0h\"><div class=\"collapse-inner\">\n<p>A client cannot have two group discounts on the same policy simultaneously. To ensure you receive the best value, we carefully compare the savings offered by each group discount to determine which one provides the most benefit for your specific policy.<\/p>\n\n\n\n<p>Please note: Different group discounts can be applied to separate policies. For example, you may have one group discount applied to your auto policy and a different group discount applied to your property policy. In every case, we prioritize determining and applying the discount that offers the greatest value to you.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title4k8ypxew\" class=\"collapse-toggle collapsed\" data-target=\"#accordion4k8ypxew\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-8827bd12\" aria-controls=\"accordion4k8ypxew\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Where can I find my Group ID?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Where can I find my Group ID?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion4k8ypxew\" role=\"region\" aria-labelledby=\"accordion-title4k8ypxew\"><div class=\"collapse-inner\">\n<p>Different groups have different qualification criteria for the ID required. The most common ones include your employee email, your group\/membership ID, local number for unions, etc. If you are unsure, please contact us and one of our licensed insurance advisors would be happy to assist you.<\/p>\n<\/div><\/div><\/div><\/div>\n<\/div>\n<\/div><\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-selection-panel selectionPanel\"><div class=\"selectionPanel__content\">\n<div class=\"wp-block-rbc-faq-wrapper faqWrapper  menuStyle__enhanced menuItems__dropdown\"><div class=\"faqWrapper__header\"><h2>Make a claim<\/h2><\/div><div class=\"faqWrapper__content\"><div class=\"faqWrapper__content-left\">\n<div class=\"selectDropdown__wrapper\">\n\t<div class=\"selectDropdown selectDropdown__default  selectDropdown__floating \" \t\tdata-option_name=\"\" style=\"width:100%\">\n\t\t\t\t<button class=\"selectDropdown__button\" aria-haspopup=\"listbox\" aria-expanded=\"false\">\n\t\t\t<span class=\"selectDropdown__title\" data-default_title=\"Phone\">\n\t\t\t\tPhone\t\t\t<\/span>\n\t\t\t<span class=\"selectDropdown__chevron\"><\/span>\n\t\t<\/button>\n\t\t<ul class=\"selectDropdown__list\" role=\"listbox\" tabindex=\"-1\">\n\t\t\t\t\t\t\t<li\n\t\t\t\t\tclass=\"selectDropdown__list__item selected\"\n\t\t\t\t\tdata-option_value=\"0\"\n\t\t\t\t\trole=\"option\"\n\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t>\n\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\tPhone\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<li\n\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\tdata-option_value=\"1\"\n\t\t\t\t\trole=\"option\"\n\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t>\n\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\tExisting claim\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/li>\n\t\t\t\t\t<\/ul>\n\t\t\t<\/div>\n\t<\/div>\n<div class=\"faqWrapper__menuItems\"><ul class=\"menuItems__enhanced\" role=\"tablist\" tabindex=\"0\"><li class=\"faqWrapper__menuItem\" tabindex=\"0\" role=\"tab\" aria-selected=\"false\" id=\"faqWrapper__menuItem_1\"><div class=\"menuItems__enhanced__content\"><p class=\"menuItem__enhanced__name\">Phone<\/p><\/div><\/li><li class=\"faqWrapper__menuItem\" tabindex=\"0\" role=\"tab\" aria-selected=\"false\" id=\"faqWrapper__menuItem_2\"><div class=\"menuItems__enhanced__content\"><p class=\"menuItem__enhanced__name\">Existing claim<\/p><\/div><\/li><\/ul><\/div><\/div><div class=\"faqWrapper__content-right\">\n<div class=\"wp-block-rbc-faq faq\"><div class=\"faq__header\"><h3>Make a claim by phone<\/h3><\/div><div class=\"faq__content\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<p>Call us first to make a claim request. Having the policy number handy when you call will help us give you faster service. If you can\u2019t find it, don\u2019t worry\u2014we can still assist you.<\/p>\n\n\n\n<div class=\"wp-block-columns mar-t-hlf mob-mar-t-hlf mar-b-hlf mob-mar-b-hlf is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column mar-r-hlf mob-mar-b-hlf mob-mar-r-0 has-rbc-bright-blue-tint-4-background-color has-background is-layout-flow wp-block-column-is-layout-flow\" style=\"border-radius:8px;padding-top:var(--wp--preset--spacing--50);padding-right:var(--wp--preset--spacing--50);padding-bottom:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--50)\">\n<p class=\"mar-b-qtr mob-mar-b-qtr\"><strong>Term, Whole Life Insurance, Guaranteed Acceptance Life Insurance and Universal Life Insurance<\/strong><\/p>\n\n\n\n<p class=\"mar-b mob-mar-b\"><a href=\"tel:+18775199501\" data-dig-id=\"LP-27354-d64ecfba\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"1-877-519-9501\" class=\"rbc-link-format\">1-877-519-9501<\/a><\/p>\n\n\n\n<p>(Toll Free)<\/p>\n\n\n\n<p>Mon-Fri: 8:00am-5:00pm, ET<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column has-rbc-bright-blue-tint-4-background-color has-background is-layout-flow wp-block-column-is-layout-flow\" style=\"border-radius:8px;padding-top:var(--wp--preset--spacing--50);padding-right:var(--wp--preset--spacing--50);padding-bottom:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--50)\">\n<p class=\"mar-b-qtr mob-mar-b-qtr\"><strong>Personal Accident Insurance<\/strong><\/p>\n\n\n\n<p class=\"mar-b mob-mar-b\"><a href=\"tel:+18008459750\" data-dig-id=\"LP-27354-3851b39f\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"1-800-845-9750\" class=\"rbc-link-format\">1-800-845-9750<\/a><\/p>\n\n\n\n<p>(Toll Free)<\/p>\n\n\n\n<p>Mon-Fri: 8:00am-8:00pm, ET<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"rbci-tw-alert bannerNotice\"><div class=\"wp-block-rbc-banner-notice rbc-banner-block-header-div default\"><div><p class=\"rbc-banner-block-header\">How to make a claim<\/p><\/div><\/div><div class=\"rbc-banner-block-description-p \"><div class=\"buttonSection\">\n<p class=\"call-link\">Dealing with such an emotional situation is difficult. You can count on us to make the claims process as easy as possible.<\/p>\n\n\n\n<p><strong>1) Locate the health insurance policy, if possible<\/strong><\/p>\n\n\n\n<p>Having the policy number handy when you call will help us give you faster service. If you can\u2019t find it, don\u2019t worry\u2014we can still assist you.<\/p>\n\n\n\n<p><strong>2) Call us as soon as possible<\/strong><\/p>\n\n\n\n<p>You will need to make your claim within a certain period of time\u2014this varies by coverage type and is outlined in your policy.<\/p>\n\n\n\n<p><strong>3) Complete and send in all required documentation<\/strong><\/p>\n\n\n\n<p>We will guide you through the claims process and the documentation you need. What you need to make a claim depends on the type of coverage you have.<\/p>\n\n\n\n<p>In general, you will need to provide:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>A completed claim form (if you don&#8217;t have the form, we will send you one)<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>The death and birth certificate<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>In some cases, a physician&#8217;s statement form, completed by the deceased\u2019s physician<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p><strong>Express service for claims up to $100,000<\/strong><\/p>\n\n\n\n<p>If you are making a claim on a life insurance policy worth up to $100,000, you may be able to use our Express Claims service. There may be no paperwork required to make your claim if the policy:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Amount is $100,000 or less per life insured<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Has been in force for ten or more years<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Has a named beneficiary (policies with an estate listed as beneficiary are not eligible)<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>To process your claim, you will just need to call us and provide:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>The date of death for the person who has passed away<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Contact information for the funeral home (or death certificate if available)<\/p>\n<\/li>\n<\/ul>\n<\/div><\/div><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-faq faq\"><div class=\"faq__header\"><h3>Get help with an existing claim<\/h3><\/div><div class=\"faq__content\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<p>Call us to check on a claim&#8217;s status. Having the claim number handy when you call will help us give you faster service. If you can\u2019t find it, don\u2019t worry\u2014we can still assist you.<\/p>\n\n\n\n<div class=\"wp-block-columns mar-t-hlf mob-mar-t-hlf mar-b-hlf mob-mar-b-hlf is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column mar-r-hlf mob-mar-b-hlf mob-mar-r-0 has-rbc-bright-blue-tint-4-background-color has-background is-layout-flow wp-block-column-is-layout-flow\" style=\"border-radius:8px;padding-top:var(--wp--preset--spacing--50);padding-right:var(--wp--preset--spacing--50);padding-bottom:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--50)\">\n<p class=\"mar-b-qtr mob-mar-b-qtr\"><strong>Term, Whole Life Insurance, Guaranteed Acceptance Life Insurance and Universal Life Insurance<\/strong><\/p>\n\n\n\n<p class=\"mar-b mob-mar-b\"><a href=\"tel:+18775199501\" data-dig-id=\"LP-27354-d64ecfba\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"1-877-519-9501\" class=\"rbc-link-format\">1-877-519-9501<\/a><\/p>\n\n\n\n<p>(Toll Free)<\/p>\n\n\n\n<p>Mon-Fri: 8:00am-5:00pm, ET<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column has-rbc-bright-blue-tint-4-background-color has-background is-layout-flow wp-block-column-is-layout-flow\" style=\"border-radius:8px;padding-top:var(--wp--preset--spacing--50);padding-right:var(--wp--preset--spacing--50);padding-bottom:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--50)\">\n<p class=\"mar-b-qtr mob-mar-b-qtr\"><strong>Personal Accident Insurance<\/strong><\/p>\n\n\n\n<p class=\"mar-b mob-mar-b\"><a href=\"tel:+18008459750\" data-dig-id=\"LP-27354-3851b39f\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"1-800-845-9750\" class=\"rbc-link-format\">1-800-845-9750<\/a><\/p>\n\n\n\n<p>(Toll Free)<\/p>\n\n\n\n<p>Mon-Fri: 8:00am-8:00pm, ET<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div><\/div>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-faq-wrapper faqWrapper  menuStyle__enhanced menuItems__dropdown mar-t-dbl mob-mar-t-dbl\"><div class=\"faqWrapper__header\"><h2>Claims and service<\/h2><\/div><div class=\"faqWrapper__content\"><div class=\"faqWrapper__content-left\">\n<div class=\"selectDropdown__wrapper\">\n\t<div class=\"selectDropdown selectDropdown__default  selectDropdown__floating \" \t\tdata-option_name=\"\" style=\"width:100%\">\n\t\t\t\t<button class=\"selectDropdown__button\" aria-haspopup=\"listbox\" aria-expanded=\"false\">\n\t\t\t<span class=\"selectDropdown__title\" data-default_title=\"Term life\">\n\t\t\t\tTerm life\t\t\t<\/span>\n\t\t\t<span class=\"selectDropdown__chevron\"><\/span>\n\t\t<\/button>\n\t\t<ul class=\"selectDropdown__list\" role=\"listbox\" tabindex=\"-1\">\n\t\t\t\t\t\t\t<li\n\t\t\t\t\tclass=\"selectDropdown__list__item selected\"\n\t\t\t\t\tdata-option_value=\"0\"\n\t\t\t\t\trole=\"option\"\n\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t>\n\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\tTerm life\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<li\n\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\tdata-option_value=\"1\"\n\t\t\t\t\trole=\"option\"\n\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t>\n\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\tWhole life\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<li\n\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\tdata-option_value=\"2\"\n\t\t\t\t\trole=\"option\"\n\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t>\n\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\tGuaranteed Acceptance\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<li\n\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\tdata-option_value=\"3\"\n\t\t\t\t\trole=\"option\"\n\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t>\n\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\tUniversal life\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<li\n\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\tdata-option_value=\"4\"\n\t\t\t\t\trole=\"option\"\n\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t>\n\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\tPersonal Accident\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<li\n\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\tdata-option_value=\"5\"\n\t\t\t\t\trole=\"option\"\n\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t>\n\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\tTerm 100\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/li>\n\t\t\t\t\t<\/ul>\n\t\t\t<\/div>\n\t<\/div>\n<div class=\"faqWrapper__menuItems\"><ul class=\"menuItems__enhanced\" role=\"tablist\" tabindex=\"0\"><li class=\"faqWrapper__menuItem\" tabindex=\"0\" role=\"tab\" aria-selected=\"false\" id=\"faqWrapper__menuItem_1\"><div class=\"menuItems__enhanced__content\"><p class=\"menuItem__enhanced__name\">Term life<\/p><\/div><\/li><li class=\"faqWrapper__menuItem\" tabindex=\"0\" role=\"tab\" aria-selected=\"false\" id=\"faqWrapper__menuItem_2\"><div class=\"menuItems__enhanced__content\"><p class=\"menuItem__enhanced__name\">Whole life<\/p><\/div><\/li><li class=\"faqWrapper__menuItem\" tabindex=\"0\" role=\"tab\" aria-selected=\"false\" id=\"faqWrapper__menuItem_3\"><div class=\"menuItems__enhanced__content\"><p class=\"menuItem__enhanced__name\">Guaranteed Acceptance<\/p><\/div><\/li><li class=\"faqWrapper__menuItem\" tabindex=\"0\" role=\"tab\" aria-selected=\"false\" id=\"faqWrapper__menuItem_4\"><div class=\"menuItems__enhanced__content\"><p class=\"menuItem__enhanced__name\">Universal life<\/p><\/div><\/li><li class=\"faqWrapper__menuItem\" tabindex=\"0\" role=\"tab\" aria-selected=\"false\" id=\"faqWrapper__menuItem_5\"><div class=\"menuItems__enhanced__content\"><p class=\"menuItem__enhanced__name\">Personal Accident<\/p><\/div><\/li><li class=\"faqWrapper__menuItem\" tabindex=\"0\" role=\"tab\" aria-selected=\"false\" id=\"faqWrapper__menuItem_6\"><div class=\"menuItems__enhanced__content\"><p class=\"menuItem__enhanced__name\">Term 100<\/p><\/div><\/li><\/ul><\/div><\/div><div class=\"faqWrapper__content-right\">\n<div class=\"wp-block-rbc-faq faq\"><div class=\"faq__header\"><h3>Term life insurance<\/h3><\/div><div class=\"faq__content\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titleqx0gy7yb\" class=\"collapse-toggle collapsed\" data-target=\"#accordionqx0gy7yb\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-91307f1e\" aria-controls=\"accordionqx0gy7yb\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How do I cancel my term life insurance policy?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How do I cancel my term life insurance policy?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionqx0gy7yb\" role=\"region\" aria-labelledby=\"accordion-titleqx0gy7yb\"><div class=\"collapse-inner\">\n<p>You must request a policy cancellation in writing. When your policy is mailed to you, you have a certain number of days to review it\u201430 days for RBC Simplified Term Life Insurance and 10 days for RBC YourTerm Life Insurance ($1,000,000 and over). If you want to cancel, we\u2019ll refund all premiums paid. After the 10 or 30 days, you can cancel your insurance and you\u2019ll only have to pay for the time you were covered.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title0ww4hogb\" class=\"collapse-toggle collapsed\" data-target=\"#accordion0ww4hogb\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-0faabd7f\" aria-controls=\"accordion0ww4hogb\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How do I change the beneficiary on my term life insurance policy?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How do I change the beneficiary on my term life insurance policy?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion0ww4hogb\" role=\"region\" aria-labelledby=\"accordion-title0ww4hogb\"><div class=\"collapse-inner\">\n<p>You can change your beneficiary by completing a <a href=\"https:\/\/www.rbcinsurance.com\/salesresourcecentre\/file-108552.pdf\" target=\"_blank\" data-dig-id=\"LP-27354-d3a7b9a2\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Change of Beneficiary form\" class=\"rbc-link-format pdf-link\" data-icon-class=\"pdf-link\" rel=\"noreferrer noopener\">Change of Beneficiary form<\/a>. If your beneficiary is designated as &#8220;irrevocable&#8221; then the beneficiary must also agree to the change.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlef172lyir\" class=\"collapse-toggle collapsed\" data-target=\"#accordionf172lyir\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-c35b85f8\" aria-controls=\"accordionf172lyir\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Can I reduce or increase my term life coverage?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Can I reduce or increase my term life coverage?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionf172lyir\" role=\"region\" aria-labelledby=\"accordion-titlef172lyir\"><div class=\"collapse-inner\">\n<p>Yes. You can apply to reduce or increase your coverage at any time. Your premiums will also be updated based on the new amount of insurance. Coverage increases will require medical evidence and are subject to approval. Please contact your advisor or call us at 1-877-519-9501.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlep2hp8imu\" class=\"collapse-toggle collapsed\" data-target=\"#accordionp2hp8imu\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-6d422670\" aria-controls=\"accordionp2hp8imu\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"I'm a beneficiary. How do I file an insurance claim?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>I&#8217;m a beneficiary. How do I file an insurance claim?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionp2hp8imu\" role=\"region\" aria-labelledby=\"accordion-titlep2hp8imu\"><div class=\"collapse-inner\">\n<p>Our goal is to make the claims process as stress-free as possible. For help with a claim, please call us at 1-877-519-9501.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlecyzdamlw\" class=\"collapse-toggle collapsed\" data-target=\"#accordioncyzdamlw\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-f76e5cf7\" aria-controls=\"accordioncyzdamlw\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How do I make changes, such as address, payment information, etc. to my term life insurance policy?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How do I make changes, such as address, payment information, etc. to my term life insurance policy?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordioncyzdamlw\" role=\"region\" aria-labelledby=\"accordion-titlecyzdamlw\"><div class=\"collapse-inner\">\n<p>Please call us at 1-877-519-9501 to update your policy. You can also access and download some change forms online.<\/p>\n<\/div><\/div><\/div><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-faq faq\"><div class=\"faq__header\"><h3>Whole life insurance<\/h3><\/div><div class=\"faq__content\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title6lm1d2xd\" class=\"collapse-toggle collapsed\" data-target=\"#accordion6lm1d2xd\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-6c10d456\" aria-controls=\"accordion6lm1d2xd\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How do I cancel my RBC Growth Insurance policy?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How do I cancel my RBC Growth Insurance policy?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion6lm1d2xd\" role=\"region\" aria-labelledby=\"accordion-title6lm1d2xd\"><div class=\"collapse-inner\">\n<p>You must request a policy cancellation in writing.<\/p>\n\n\n\n<p>You have 10 days to review the policy after it is delivered to you; if you cancel during that time, we will refund the premiums you have paid. Any time after that, you can cancel your insurance and you only pay the premium for the time you were covered.<\/p>\n\n\n\n<p>In addition, you will receive your policy\u2019s net cash value plus any balance you have in your dividends on deposit account (if applicable). The effective date of your cancellation will be the date we process your request, subject to our administrative rules. The proceeds of your cancelled policy may also be subject to taxation.<\/p>\n\n\n\n<p>(Net cash value is the policy\u2019s cash value available to you for withdrawal. Specifically, the net cash value = the guaranteed cash value + the non-guaranteed cash value &#8211; any unpaid premium, including interest &#8211; any outstanding policy loans you have taken out, including interest.)<\/p>\n\n\n\n<p>Once you cancel a policy, you will not be able to reinstate it.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titleixsce3s7\" class=\"collapse-toggle collapsed\" data-target=\"#accordionixsce3s7\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-b672fa78\" aria-controls=\"accordionixsce3s7\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How do I change the beneficiary on my RBC Growth Insurance policy?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How do I change the beneficiary on my RBC Growth Insurance policy?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionixsce3s7\" role=\"region\" aria-labelledby=\"accordion-titleixsce3s7\"><div class=\"collapse-inner\">\n<p>You can change your beneficiary by completing a <a href=\"https:\/\/www.rbcinsurance.com\/salesresourcecentre\/file-108552.pdf\" target=\"_blank\" data-dig-id=\"LP-27354-b689cd1c\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Change of Beneficiary form\" class=\"rbc-link-format pdf-link\" data-icon-class=\"pdf-link\" rel=\"noreferrer noopener\">Change of Beneficiary form<\/a>. If your beneficiary is designated as &#8220;irrevocable&#8221; then the beneficiary must also agree to the change. If you have multiple life insurance policies you would like to update, you will need to complete one form per policy.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title1ne4qas1\" class=\"collapse-toggle collapsed\" data-target=\"#accordion1ne4qas1\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-1462849b\" aria-controls=\"accordion1ne4qas1\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How do I reduce or increase my RBC Growth Insurance coverage?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How do I reduce or increase my RBC Growth Insurance coverage?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion1ne4qas1\" role=\"region\" aria-labelledby=\"accordion-title1ne4qas1\"><div class=\"collapse-inner\">\n<p>Coverage increases on your base coverage amount are not allowed; however, you may apply for an additional policy. You can request to decrease your coverage amount at any time in writing.<\/p>\n\n\n\n<p>Contact your licensed insurance advisor for advice prior to making any change to your life insurance policy.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlenuw7ngfs\" class=\"collapse-toggle collapsed\" data-target=\"#accordionnuw7ngfs\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-51545b03\" aria-controls=\"accordionnuw7ngfs\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Can I change the dividend payout option on my RBC Growth Insurance policy?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Can I change the dividend payout option on my RBC Growth Insurance policy?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionnuw7ngfs\" role=\"region\" aria-labelledby=\"accordion-titlenuw7ngfs\"><div class=\"collapse-inner\">\n<p>Yes, however, there may be certain conditions.<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>You can switch dividend options any time after your policy has been issued.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>If you switch from Paid-up Additions to another dividend option, the cash value associated with your Paid-up Additions will be released to you.<\/p>\n<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlenvq98gi5\" class=\"collapse-toggle collapsed\" data-target=\"#accordionnvq98gi5\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-2e7f7be3\" aria-controls=\"accordionnvq98gi5\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"I'm a beneficiary. How do I file an RBC Growth Insurance claim?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>I&#8217;m a beneficiary. How do I file an RBC Growth Insurance claim?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionnvq98gi5\" role=\"region\" aria-labelledby=\"accordion-titlenvq98gi5\"><div class=\"collapse-inner\">\n<p>Our goal is to make the claims process as stress-free as possible. For help with a claim, please call us at 1-877-519-9501.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlerbi7q1xi\" class=\"collapse-toggle collapsed\" data-target=\"#accordionrbi7q1xi\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-0a3c3847\" aria-controls=\"accordionrbi7q1xi\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How do I make changes, such as address, payment information, etc. to my RBC Growth Insurance policy?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How do I make changes, such as address, payment information, etc. to my RBC Growth Insurance policy?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionrbi7q1xi\" role=\"region\" aria-labelledby=\"accordion-titlerbi7q1xi\"><div class=\"collapse-inner\">\n<p>Please call us at 1-888-221-2818 to update your policy. You can also access and download some change forms online.<\/p>\n<\/div><\/div><\/div><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-faq faq\"><div class=\"faq__header\"><h3>Guaranteed Acceptance life insurance<\/h3><\/div><div class=\"faq__content\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titleikynv5vx\" class=\"collapse-toggle collapsed\" data-target=\"#accordionikynv5vx\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-d51e6dc0\" aria-controls=\"accordionikynv5vx\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How do I cancel my RBC Guaranteed Acceptance Life Insurance policy?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How do I cancel my RBC Guaranteed Acceptance Life Insurance policy?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionikynv5vx\" role=\"region\" aria-labelledby=\"accordion-titleikynv5vx\"><div class=\"collapse-inner\">\n<p>You must request a policy cancellation in writing.<\/p>\n\n\n\n<p>You have 30 days to review your policy, during which time you may cancel the coverage and receive a full refund of all premiums paid. Any time after that, you can cancel your insurance and you only pay the premium for the time you were covered.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlebkr7cgr1\" class=\"collapse-toggle collapsed\" data-target=\"#accordionbkr7cgr1\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-df369844\" aria-controls=\"accordionbkr7cgr1\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How do I change my beneficiary on an RBC Guaranteed Acceptance Life Insurance?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How do I change my beneficiary on an RBC Guaranteed Acceptance Life Insurance?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionbkr7cgr1\" role=\"region\" aria-labelledby=\"accordion-titlebkr7cgr1\"><div class=\"collapse-inner\">\n<p>You can change your beneficiary by completing a <a href=\"https:\/\/www.rbcinsurance.com\/salesresourcecentre\/file-108552.pdf\" target=\"_blank\" data-dig-id=\"LP-27354-ce8a04b2\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Change of Beneficiary form\" class=\"rbc-link-format pdf-link\" data-icon-class=\"pdf-link\" rel=\"noreferrer noopener\">Change of Beneficiary form<\/a>. If your beneficiary is designated as &#8220;irrevocable&#8221; then the beneficiary must also agree to the change.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlew5qqkuvx\" class=\"collapse-toggle collapsed\" data-target=\"#accordionw5qqkuvx\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-6f04addc\" aria-controls=\"accordionw5qqkuvx\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Can I reduce or increase my RBC Guaranteed Acceptance Life Insurance coverage?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Can I reduce or increase my RBC Guaranteed Acceptance Life Insurance coverage?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionw5qqkuvx\" role=\"region\" aria-labelledby=\"accordion-titlew5qqkuvx\"><div class=\"collapse-inner\">\n<p>Yes, coverage can be increased to a maximum total benefit amount of $40,000 at any time as long as you still meet the eligibility requirements. Coverage can be reduced at any time, as long as we receive your request in writing and all premiums are paid to the effective date of the reduction.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title4brzfcm9\" class=\"collapse-toggle collapsed\" data-target=\"#accordion4brzfcm9\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-2de32344\" aria-controls=\"accordion4brzfcm9\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"I'm a beneficiary how do I file an RBC Guaranteed Acceptance Life Insurance claim?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>I&#8217;m a beneficiary how do I file an RBC Guaranteed Acceptance Life Insurance claim?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion4brzfcm9\" role=\"region\" aria-labelledby=\"accordion-title4brzfcm9\"><div class=\"collapse-inner\">\n<p>Our goal is to make the claims process as stress-free as possible. For help with a claim, please call us at 1-877-519-9501.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title77ljq3bv\" class=\"collapse-toggle collapsed\" data-target=\"#accordion77ljq3bv\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-b4d1f0d3\" aria-controls=\"accordion77ljq3bv\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How do I make changes, such as address, payment information, etc. to my RBC Guaranteed Acceptance Life Insurance policy?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How do I make changes, such as address, payment information, etc. to my RBC Guaranteed Acceptance Life Insurance policy?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion77ljq3bv\" role=\"region\" aria-labelledby=\"accordion-title77ljq3bv\"><div class=\"collapse-inner\">\n<p>Please call us at 1-877-519-9501 to update your policy.<\/p>\n\n\n\n<p>You can also access and download some change forms online.<\/p>\n<\/div><\/div><\/div><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-faq faq\"><div class=\"faq__header\"><h3>Universal life insurance<\/h3><\/div><div class=\"faq__content\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titler5icorrq\" class=\"collapse-toggle collapsed\" data-target=\"#accordionr5icorrq\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-35f5b7e6\" aria-controls=\"accordionr5icorrq\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How do I cancel my universal life insurance policy?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How do I cancel my universal life insurance policy?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionr5icorrq\" role=\"region\" aria-labelledby=\"accordion-titler5icorrq\"><div class=\"collapse-inner\">\n<p>You must request a policy cancellation in writing. You will receive the policy\u2019s accumulation value, minus any outstanding insurance costs and applicable surrender charges if you cancel your policy during the early years of your coverage. Surrender charges are specified in your policy. A market value adjustment may also apply if you withdraw money from a guaranteed interest option. The proceeds of your cancelled policy may also be subject to taxation.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlemcgh25al\" class=\"collapse-toggle collapsed\" data-target=\"#accordionmcgh25al\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-79922ab7\" aria-controls=\"accordionmcgh25al\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How do I change my beneficiary on a universal life insurance policy?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How do I change my beneficiary on a universal life insurance policy?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionmcgh25al\" role=\"region\" aria-labelledby=\"accordion-titlemcgh25al\"><div class=\"collapse-inner\">\n<p>You can change your beneficiary by completing a <a href=\"https:\/\/www.rbcinsurance.com\/salesresourcecentre\/file-108552.pdf\" target=\"_blank\" data-dig-id=\"LP-27354-4d863d6c\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Change of Beneficiary form\" class=\"rbc-link-format pdf-link\" data-icon-class=\"pdf-link\" rel=\"noreferrer noopener\">Change of Beneficiary form<\/a>. If your beneficiary is designated as &#8220;irrevocable&#8221; then the beneficiary must also agree to the change.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlelxjkj63u\" class=\"collapse-toggle collapsed\" data-target=\"#accordionlxjkj63u\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-2dca9cfe\" aria-controls=\"accordionlxjkj63u\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Can I reduce or increase my universal life insurance coverage?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Can I reduce or increase my universal life insurance coverage?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionlxjkj63u\" role=\"region\" aria-labelledby=\"accordion-titlelxjkj63u\"><div class=\"collapse-inner\">\n<p>Yes. You can request to reduce or increase your coverage at any time by contacting us at 1-800-461-1413. If you want to increase your coverage, new evidence of insurability and approval will be required. Your premiums will also be updated based on the new amount of insurance.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlenx202k1i\" class=\"collapse-toggle collapsed\" data-target=\"#accordionnx202k1i\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-4721e2f6\" aria-controls=\"accordionnx202k1i\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Can I change the interest options on my universal life insurance policy?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Can I change the interest options on my universal life insurance policy?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionnx202k1i\" role=\"region\" aria-labelledby=\"accordion-titlenx202k1i\"><div class=\"collapse-inner\">\n<p>Yes. In fact, we recommend that you review your financial goals at least once a year. Your advisor can help you review your policy and consider whether to make any changes. You can change your future premium allocation or transfer money between interest options up to four times per policy year without incurring additional fees. Please note that a market value adjustment may apply if you are withdrawing money from a guaranteed interest option.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title1zt5gkyl\" class=\"collapse-toggle collapsed\" data-target=\"#accordion1zt5gkyl\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-2f000f76\" aria-controls=\"accordion1zt5gkyl\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"I'm a beneficiary. How do I file a universal life insurance claim?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>I&#8217;m a beneficiary. How do I file a universal life insurance claim?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion1zt5gkyl\" role=\"region\" aria-labelledby=\"accordion-title1zt5gkyl\"><div class=\"collapse-inner\">\n<p>Our goal is to make the claims process as stress-free as possible.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titleoe03aa08\" class=\"collapse-toggle collapsed\" data-target=\"#accordionoe03aa08\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-8b89d7fe\" aria-controls=\"accordionoe03aa08\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How do I make changes, such as address, payment information, etc. to my universal life insurance policy?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How do I make changes, such as address, payment information, etc. to my universal life insurance policy?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionoe03aa08\" role=\"region\" aria-labelledby=\"accordion-titleoe03aa08\"><div class=\"collapse-inner\">\n<p>Please call us at 1-877-519-9501 to update your policy. You can also access and download some change forms online.<\/p>\n<\/div><\/div><\/div><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-faq faq\"><div class=\"faq__header\"><h3>Personal Accident insurance<\/h3><\/div><div class=\"faq__content\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titleohpxjo20\" class=\"collapse-toggle collapsed\" data-target=\"#accordionohpxjo20\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-d23319fb\" aria-controls=\"accordionohpxjo20\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How do I cancel my personal accident coverage?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How do I cancel my personal accident coverage?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionohpxjo20\" role=\"region\" aria-labelledby=\"accordion-titleohpxjo20\"><div class=\"collapse-inner\">\n<p>You can cancel your policy at any time by calling us at 1-800-845-9750.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlef9ay5aa6\" class=\"collapse-toggle collapsed\" data-target=\"#accordionf9ay5aa6\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-504a1ab7\" aria-controls=\"accordionf9ay5aa6\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How do I change my beneficiary for personal accident insurance?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How do I change my beneficiary for personal accident insurance?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionf9ay5aa6\" role=\"region\" aria-labelledby=\"accordion-titlef9ay5aa6\"><div class=\"collapse-inner\">\n<p>To change your beneficiary, call us at 1-800-845-9750 or by completing a <a href=\"https:\/\/www.rbcinsurance.com\/salesresourcecentre\/file-108552.pdf\" target=\"_blank\" data-dig-id=\"LP-27354-e500f162\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Change of Beneficiary form\" class=\"rbc-link-format pdf-link\" data-icon-class=\"pdf-link\" rel=\"noreferrer noopener\">Change of Beneficiary form<\/a>.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlexkl30gb9\" class=\"collapse-toggle collapsed\" data-target=\"#accordionxkl30gb9\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-85033f88\" aria-controls=\"accordionxkl30gb9\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"I'm a beneficiary. How do I file a personal accident claim?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>I&#8217;m a beneficiary. How do I file a personal accident claim?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionxkl30gb9\" role=\"region\" aria-labelledby=\"accordion-titlexkl30gb9\"><div class=\"collapse-inner\">\n<p>Our goal is to make the claims process as stress-free as possible. For help with a claim, please call us at 1-800-845-9750<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titleccyl7wq0\" class=\"collapse-toggle collapsed\" data-target=\"#accordionccyl7wq0\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-a9a3d841\" aria-controls=\"accordionccyl7wq0\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How do I make changes, such as address, payment information, etc. to my personal accident insurance policy?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How do I make changes, such as address, payment information, etc. to my personal accident insurance policy?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionccyl7wq0\" role=\"region\" aria-labelledby=\"accordion-titleccyl7wq0\"><div class=\"collapse-inner\">\n<p>Please call us at 1-800-845-9750 to update your policy. You can also access and download some change forms online.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlegine3akl\" class=\"collapse-toggle collapsed\" data-target=\"#accordiongine3akl\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-2b07b219\" aria-controls=\"accordiongine3akl\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Can I view the Certificate of Insurance for my Personal Accident Insurance complimentary coverage*?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Can I view the Certificate of Insurance for my Personal Accident Insurance complimentary coverage*?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordiongine3akl\" role=\"region\" aria-labelledby=\"accordion-titlegine3akl\"><div class=\"collapse-inner\">\n<p>You can view the Certificate of Insurance for Personal Accident Insurance complimentary coverage here:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><a href=\"https:\/\/www.worldprotect.com\/personal-accident-insurance\/samplecertificate\/pdf\/pa-complimentary-single-sample.pdf\" target=\"_blank\" data-dig-id=\"LP-27354-52190a4a\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Single coverage\" class=\"rbc-link-format standalone-pdf\" data-icon-class=\"standalone-pdf\" rel=\"noreferrer noopener\">Single coverage<\/a><\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><a href=\"https:\/\/www.worldprotect.com\/personal-accident-insurance\/samplecertificate\/pdf\/pa-complimentary-joint-sample.pdf\" target=\"_blank\" data-dig-id=\"LP-27354-aa89a678\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Joint coverage\" class=\"rbc-link-format standalone-pdf\" data-icon-class=\"standalone-pdf\" rel=\"noreferrer noopener\">Joint coverage<\/a><\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>(*complimentary coverage is not available for new enrolments)<\/p>\n<\/div><\/div><\/div><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-faq faq\"><div class=\"faq__header\"><h3>Term 100 life insurance<\/h3><\/div><div class=\"faq__content\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title78amr2df\" class=\"collapse-toggle collapsed\" data-target=\"#accordion78amr2df\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-d56db68b\" aria-controls=\"accordion78amr2df\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How do I cancel my Term 100 life insurance policy?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How do I cancel my Term 100 life insurance policy?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion78amr2df\" role=\"region\" aria-labelledby=\"accordion-title78amr2df\"><div class=\"collapse-inner\">\n<p>You must request a policy cancellation in writing.<\/p>\n\n\n\n<p>You have 10 days to review the policy after it is delivered to you; if you cancel during that time, we will refund the premiums you have paid. Any time after that, you can cancel your insurance and you only pay the premium for the time you were covered.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title3cz2i4nj\" class=\"collapse-toggle collapsed\" data-target=\"#accordion3cz2i4nj\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-c66fbd2b\" aria-controls=\"accordion3cz2i4nj\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How do I change my beneficiary on a Term 100 life insurance policy?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How do I change my beneficiary on a Term 100 life insurance policy?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion3cz2i4nj\" role=\"region\" aria-labelledby=\"accordion-title3cz2i4nj\"><div class=\"collapse-inner\">\n<p>You can change your beneficiary by completing a <a href=\"https:\/\/www.rbcinsurance.com\/salesresourcecentre\/file-108552.pdf\" target=\"_blank\" data-dig-id=\"LP-27354-32381e25\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Change of Beneficiary form\" class=\"rbc-link-format pdf-link\" data-icon-class=\"pdf-link\" rel=\"noreferrer noopener\">Change of Beneficiary form<\/a>. If your beneficiary is designated as &#8220;irrevocable&#8221; then the beneficiary must also agree to the change.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title9ze51a65\" class=\"collapse-toggle collapsed\" data-target=\"#accordion9ze51a65\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-9eb178b6\" aria-controls=\"accordion9ze51a65\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Can I reduce or increase my Term 100 life insurance coverage?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Can I reduce or increase my Term 100 life insurance coverage?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion9ze51a65\" role=\"region\" aria-labelledby=\"accordion-title9ze51a65\"><div class=\"collapse-inner\">\n<p>Yes, you can apply to reduce or increase your coverage at any time. The minimum amount of coverage you may request is $10,000, and the maximum amount is subject to our underwriting rules. A reduction in your coverage is subject to $50,000, the minimum coverage amount. Your premiums will also be updated based on the new amount of insurance. Increases in coverage for Term 100 will require new medical evidence and are subject to approval.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title5iujcqo5\" class=\"collapse-toggle collapsed\" data-target=\"#accordion5iujcqo5\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-7cbe7651\" aria-controls=\"accordion5iujcqo5\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"I'm a beneficiary. How do I file a Term 100 life insurance claim?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>I&#8217;m a beneficiary. How do I file a Term 100 life insurance claim?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion5iujcqo5\" role=\"region\" aria-labelledby=\"accordion-title5iujcqo5\"><div class=\"collapse-inner\">\n<p>Our goal is to make the claims process as stress-free as possible. For help with a claim, please call us at 1-877-519-9501.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titleaqq5jgof\" class=\"collapse-toggle collapsed\" data-target=\"#accordionaqq5jgof\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-c930908a\" aria-controls=\"accordionaqq5jgof\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How do I make changes, such as address, payment information, etc. to my Term 100 life insurance policy?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How do I make changes, such as address, payment information, etc. to my Term 100 life insurance policy?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionaqq5jgof\" role=\"region\" aria-labelledby=\"accordion-titleaqq5jgof\"><div class=\"collapse-inner\">\n<p>Please call us at 1-877-519-9501 to update your policy.<\/p>\n\n\n\n<p>You can also access and download some change forms online.<\/p>\n<\/div><\/div><\/div><\/div>\n<\/div>\n<\/div><\/div>\n<\/div><\/div><\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-selection-panel selectionPanel\"><div class=\"selectionPanel__content\">\n<div class=\"wp-block-rbc-faq-wrapper faqWrapper  menuStyle__enhanced menuItems__dropdown\"><div class=\"faqWrapper__header\"><h2>Make a claim<\/h2><\/div><div class=\"faqWrapper__content\"><div class=\"faqWrapper__content-left\">\n<div class=\"selectDropdown__wrapper\">\n\t<div class=\"selectDropdown selectDropdown__default  selectDropdown__floating \" \t\tdata-option_name=\"\" style=\"width:100%\">\n\t\t\t\t<button class=\"selectDropdown__button\" aria-haspopup=\"listbox\" aria-expanded=\"false\">\n\t\t\t<span class=\"selectDropdown__title\" data-default_title=\"New claim\">\n\t\t\t\tNew claim\t\t\t<\/span>\n\t\t\t<span class=\"selectDropdown__chevron\"><\/span>\n\t\t<\/button>\n\t\t<ul class=\"selectDropdown__list\" role=\"listbox\" tabindex=\"-1\">\n\t\t\t\t\t\t\t<li\n\t\t\t\t\tclass=\"selectDropdown__list__item selected\"\n\t\t\t\t\tdata-option_value=\"0\"\n\t\t\t\t\trole=\"option\"\n\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t>\n\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\tNew claim\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<li\n\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\tdata-option_value=\"1\"\n\t\t\t\t\trole=\"option\"\n\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t>\n\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\tExisting claim\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<li\n\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\tdata-option_value=\"2\"\n\t\t\t\t\trole=\"option\"\n\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t>\n\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\tContact us\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/li>\n\t\t\t\t\t<\/ul>\n\t\t\t<\/div>\n\t<\/div>\n<div class=\"faqWrapper__menuItems\"><ul class=\"menuItems__enhanced\" role=\"tablist\" tabindex=\"0\"><li class=\"faqWrapper__menuItem\" tabindex=\"0\" role=\"tab\" aria-selected=\"false\" id=\"faqWrapper__menuItem_1\"><div class=\"menuItems__enhanced__content\"><p class=\"menuItem__enhanced__name\">New claim<\/p><\/div><\/li><li class=\"faqWrapper__menuItem\" tabindex=\"0\" role=\"tab\" aria-selected=\"false\" id=\"faqWrapper__menuItem_2\"><div class=\"menuItems__enhanced__content\"><p class=\"menuItem__enhanced__name\">Existing claim<\/p><\/div><\/li><li class=\"faqWrapper__menuItem\" tabindex=\"0\" role=\"tab\" aria-selected=\"false\" id=\"faqWrapper__menuItem_3\"><div class=\"menuItems__enhanced__content\"><p class=\"menuItem__enhanced__name\">Contact us<\/p><\/div><\/li><\/ul><\/div><\/div><div class=\"faqWrapper__content-right\">\n<div class=\"wp-block-rbc-faq faq\"><div class=\"faq__header\"><h3>Claim forms<\/h3><\/div><div class=\"faq__content\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<p>The forms below can be used to file a claim for health insurance benefits.<\/p>\n\n\n\n<p>All instructions are included with the form. For questions or to request a form not included below, please contact your advisor or call us.<\/p>\n\n\n\n<p>You can also send the completed forms to our office by email: <a href=\"mailto:intake@rbc.com\" class=\"rbc-link-format\">intake@rbc.com<\/a> or by fax to: RBC Life Insurance Company, Life and Health Claims Department, 1-800-714-8861. If you have any questions about submitting a claim please email <a href=\"mailto:intake@rbc.com\" class=\"rbc-link-format\">intake@rbc.com<\/a> or call Toll-Free <strong>1-877-519-9501<\/strong>.<\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titleml5cbdgp\" class=\"collapse-toggle collapsed\" data-target=\"#accordionml5cbdgp\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-ed481aed\" aria-controls=\"accordionml5cbdgp\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Disability insurance\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Disability insurance<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionml5cbdgp\" role=\"region\" aria-labelledby=\"accordion-titleml5cbdgp\"><div class=\"collapse-inner\">\n<div class=\"wp-block-rbc-file-list fileList\">\n<p><strong>Disability claim form<\/strong><\/p>\n\n\n\n<p>Complete this form to file benefits under your disability insurance policy.<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list\">\n<li class=\"wp-block-rbc-list-item\">\n<p><a href=\"https:\/\/www.rbcinsurance.com\/salesresourcecentre\/file-517130.pdf\" target=\"_blank\" data-dig-id=\"LP-27354-5c093f6b\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Download form\" class=\"rbc-link-format pdf-link\" data-icon-class=\"pdf-link\" rel=\"noreferrer noopener\">Download form<\/a><\/p>\n<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-file-list fileList\">\n<p><strong>Attending Physician Statement<\/strong><\/p>\n\n\n\n<p>This form is to be completed by your physician and submitted along with the Disability Claim Form. Choose the form <strong>Attending Physician Statement<\/strong> from the website link below.<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list\">\n<li class=\"wp-block-rbc-list-item\">\n<p><a href=\"https:\/\/www.clhia.ca\/web\/CLHIA_LP4W_LND_Webstation.nsf\/page\/02A87E24F02B6A5C8525821000567ED2%21OpenDocument\" target=\"_blank\" data-dig-id=\"LP-27354-f5a7f22a\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"www.clhia.ca\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\" rel=\"noreferrer noopener\">www.clhia.ca<\/a><\/p>\n<\/li>\n<\/ul>\n<\/div>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlebhyedtqw\" class=\"collapse-toggle collapsed\" data-target=\"#accordionbhyedtqw\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-f931537b\" aria-controls=\"accordionbhyedtqw\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Critical Illness insurance\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Critical Illness insurance<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionbhyedtqw\" role=\"region\" aria-labelledby=\"accordion-titlebhyedtqw\"><div class=\"collapse-inner\">\n<div class=\"wp-block-rbc-file-list fileList\">\n<p><strong>Notice of Critical Illness Form<\/strong><\/p>\n\n\n\n<p>Complete this form to file for benefits under your critical illness insurance policy.<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list\">\n<li class=\"wp-block-rbc-list-item\">\n<p><a href=\"https:\/\/www.rbcinsurance.com\/salesresourcecentre\/file-105848.pdf\" target=\"_blank\" data-dig-id=\"LP-27354-d8c7dcb3\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Download form\" class=\"rbc-link-format pdf-link\" data-icon-class=\"pdf-link\" rel=\"noreferrer noopener\">Download form<\/a><\/p>\n<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-file-list fileList\">\n<p><strong><strong>Attending Physician Statement<\/strong><\/strong><\/p>\n\n\n\n<p>This form is to be completed by your physician and submitted along with the Notice of Critical Illness Form. Choose the appropriate form below.<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"mar-b-qtr mob-mar-b-qtr\"><a href=\"https:\/\/www.rbcinsurance.com\/salesresourcecentre\/file-186203.pdf\" target=\"_blank\" data-dig-id=\"LP-27354-2b1ae565\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Alzheimer's Disease\" class=\"rbc-link-format pdf-link\" data-icon-class=\"pdf-link\" rel=\"noreferrer noopener\">Alzheimer&#8217;s Disease<\/a><\/p>\n\n\n\n<p class=\"mar-b-qtr mob-mar-b-qtr\"><a href=\"https:\/\/www.rbcinsurance.com\/salesresourcecentre\/file-186204.pdf\" target=\"_blank\" data-dig-id=\"LP-27354-cf515462\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Blindness\" class=\"rbc-link-format pdf-link\" data-icon-class=\"pdf-link\" rel=\"noreferrer noopener\">Blindness<\/a><\/p>\n\n\n\n<p class=\"mar-b-qtr mob-mar-b-qtr\"><a href=\"https:\/\/www.rbcinsurance.com\/salesresourcecentre\/file-186205.pdf\" target=\"_blank\" data-dig-id=\"LP-27354-d5e9f67c\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Cancer\" class=\"rbc-link-format pdf-link\" data-icon-class=\"pdf-link\" rel=\"noreferrer noopener\">Cancer<\/a><\/p>\n\n\n\n<p class=\"mar-b-qtr mob-mar-b-qtr\"><a href=\"https:\/\/www.rbcinsurance.com\/salesresourcecentre\/file-186206.pdf\" target=\"_blank\" data-dig-id=\"LP-27354-87a5ec07\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Cardiovascular\" class=\"rbc-link-format pdf-link\" data-icon-class=\"pdf-link\" rel=\"noreferrer noopener\">Cardiovascular<\/a><\/p>\n\n\n\n<p class=\"mar-b-qtr mob-mar-b-qtr\"><a href=\"https:\/\/www.rbcinsurance.com\/salesresourcecentre\/file-186209.pdf\" target=\"_blank\" data-dig-id=\"LP-27354-bb3c8b45\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Coma\" class=\"rbc-link-format pdf-link\" data-icon-class=\"pdf-link\" rel=\"noreferrer noopener\">Coma<\/a><\/p>\n\n\n\n<p class=\"mar-b-qtr mob-mar-b-qtr\"><a href=\"https:\/\/www.rbcinsurance.com\/salesresourcecentre\/file-186210.pdf\" target=\"_blank\" data-dig-id=\"LP-27354-d739f194\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Deafness\" class=\"rbc-link-format pdf-link\" data-icon-class=\"pdf-link\" rel=\"noreferrer noopener\">Deafness<\/a><\/p>\n\n\n\n<p class=\"mar-b-qtr mob-mar-b-qtr\"><a href=\"https:\/\/www.rbcinsurance.com\/salesresourcecentre\/file-186211.pdf\" target=\"_blank\" data-dig-id=\"LP-27354-a3911a9f\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Kidney Failure\" class=\"rbc-link-format pdf-link\" data-icon-class=\"pdf-link\" rel=\"noreferrer noopener\">Kidney Failure<\/a><\/p>\n\n\n\n<p class=\" mob-mar-b-qtr\"><a href=\"https:\/\/www.rbcinsurance.com\/salesresourcecentre\/file-186212.pdf\" target=\"_blank\" data-dig-id=\"LP-27354-c5340f9f\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Loss of Speech\" class=\"rbc-link-format pdf-link\" data-icon-class=\"pdf-link\" rel=\"noreferrer noopener\">Loss of Speech<\/a><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"mar-b-qtr mob-mar-b-qtr\"><a href=\"https:\/\/www.rbcinsurance.com\/salesresourcecentre\/file-186213.pdf\" target=\"_blank\" data-dig-id=\"LP-27354-edeafe27\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Major Burns\" class=\"rbc-link-format pdf-link\" data-icon-class=\"pdf-link\" rel=\"noreferrer noopener\">Major Burns<\/a><\/p>\n\n\n\n<p class=\"mar-b-qtr mob-mar-b-qtr\"><a href=\"https:\/\/www.rbcinsurance.com\/salesresourcecentre\/file-186214.pdf\" target=\"_blank\" data-dig-id=\"LP-27354-c866f9a5\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Major Organ Transplant\" class=\"rbc-link-format pdf-link\" data-icon-class=\"pdf-link\" rel=\"noreferrer noopener\">Major Organ Transplant<\/a><\/p>\n\n\n\n<p class=\"mar-b-qtr mob-mar-b-qtr\"><a href=\"https:\/\/www.rbcinsurance.com\/salesresourcecentre\/file-186215.pdf\" target=\"_blank\" data-dig-id=\"LP-27354-995b0269\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Motor Neuron Disease\" class=\"rbc-link-format pdf-link\" data-icon-class=\"pdf-link\" rel=\"noreferrer noopener\">Motor Neuron Disease<\/a><\/p>\n\n\n\n<p class=\"mar-b-qtr mob-mar-b-qtr\"><a href=\"https:\/\/www.rbcinsurance.com\/salesresourcecentre\/file-186217.pdf\" target=\"_blank\" data-dig-id=\"LP-27354-ecc8a30f\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Multiple Sclerosis\" class=\"rbc-link-format pdf-link\" data-icon-class=\"pdf-link\" rel=\"noreferrer noopener\">Multiple Sclerosis<\/a><\/p>\n\n\n\n<p class=\"mar-b-qtr mob-mar-b-qtr\"><a href=\"https:\/\/www.rbcinsurance.com\/salesresourcecentre\/file-186218.pdf\" target=\"_blank\" data-dig-id=\"LP-27354-e0e84a4d\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Occupational HIV Infection\" class=\"rbc-link-format pdf-link\" data-icon-class=\"pdf-link\" rel=\"noreferrer noopener\">Occupational HIV Infection<\/a><\/p>\n\n\n\n<p class=\"mar-b-qtr mob-mar-b-qtr\"><a href=\"https:\/\/www.rbcinsurance.com\/salesresourcecentre\/file-186219.pdf\" target=\"_blank\" data-dig-id=\"LP-27354-045b940b\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Paralysis and Loss of Limbs\" class=\"rbc-link-format pdf-link\" data-icon-class=\"pdf-link\" rel=\"noreferrer noopener\">Paralysis and Loss of Limbs<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/www.rbcinsurance.com\/salesresourcecentre\/file-186220.pdf\" target=\"_blank\" data-dig-id=\"LP-27354-52078e51\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Parkinson's Disease\" class=\"rbc-link-format pdf-link\" data-icon-class=\"pdf-link\" rel=\"noreferrer noopener\">Parkinson&#8217;s Disease<\/a><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlenu1y4tpx\" class=\"collapse-toggle collapsed\" data-target=\"#accordionnu1y4tpx\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-ace8bab6\" aria-controls=\"accordionnu1y4tpx\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Long-term care insurance\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Long-term care insurance<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionnu1y4tpx\" role=\"region\" aria-labelledby=\"accordion-titlenu1y4tpx\"><div class=\"collapse-inner\">\n<div class=\"wp-block-rbc-file-list fileList\">\n<p><strong>Long-Term Care Questionnaire<\/strong><\/p>\n\n\n\n<p>This form must be completed and submitted by your facility or home care provider to help us assess a long-term care insurance claim.<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list\">\n<li class=\"wp-block-rbc-list-item\">\n<p><a href=\"https:\/\/www.rbcinsurance.com\/healthinsurance\/pdf\/long-term-care-questionnaire.pdf\" target=\"_blank\" data-dig-id=\"LP-27354-d8c7dcb3\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Download form\" class=\"rbc-link-format pdf-link\" data-icon-class=\"pdf-link\" rel=\"noreferrer noopener\">Download form<\/a><\/p>\n<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-file-list fileList\">\n<p><strong>Attending Physician Statement &#8211; Facility Care<\/strong><\/p>\n\n\n\n<p>This form must be completed and submitted by your family physician to help us assess a claim for long-term facility care.<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list\">\n<li class=\"wp-block-rbc-list-item\">\n<p><a href=\"https:\/\/www.rbcinsurance.com\/healthinsurance\/pdf\/attending-physician-statement-facility-care.pdf\" target=\"_blank\" data-dig-id=\"LP-27354-d8c7dcb3\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Download form\" class=\"rbc-link-format pdf-link\" data-icon-class=\"pdf-link\" rel=\"noreferrer noopener\">Download form<\/a><\/p>\n<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-file-list fileList\">\n<p><strong>Attending Physician Statement &#8211; Home Care<\/strong><\/p>\n\n\n\n<p>This form must be completed and submitted by your family physician to help us assess a claim for long-term facility care.<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list\">\n<li class=\"wp-block-rbc-list-item\">\n<p><a href=\"https:\/\/www.rbcinsurance.com\/healthinsurance\/pdf\/attending-physician-statement-home-care.pdf\" target=\"_blank\" data-dig-id=\"LP-27354-d8c7dcb3\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Download form\" class=\"rbc-link-format pdf-link\" data-icon-class=\"pdf-link\" rel=\"noreferrer noopener\">Download form<\/a><\/p>\n<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-file-list fileList\">\n<p><strong>Claimant&#8217;s Statement &#8211; Notice of Facility Care<\/strong><\/p>\n\n\n\n<p>This form must be completed and submitted by you or your Power of Attorney to help us assess a claim for long-term facility care.<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list\">\n<li class=\"wp-block-rbc-list-item\">\n<p><a href=\"https:\/\/www.rbcinsurance.com\/healthinsurance\/pdf\/claimants-statement-notice-of-facility-care.pdf\" target=\"_blank\" data-dig-id=\"LP-27354-d8c7dcb3\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Download form\" class=\"rbc-link-format pdf-link\" data-icon-class=\"pdf-link\" rel=\"noreferrer noopener\">Download form<\/a><\/p>\n<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-file-list fileList\">\n<p><strong>Claimant&#8217;s Statement &#8211; Notice of Home Care<\/strong><\/p>\n\n\n\n<p>This form must be completed and submitted by you or your Power of Attorney to help us assess a claim for long-term home care.<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list\">\n<li class=\"wp-block-rbc-list-item\">\n<p><a href=\"https:\/\/www.rbcinsurance.com\/healthinsurance\/pdf\/claimants-statement-notice-of-home-care.pdf\" target=\"_blank\" data-dig-id=\"LP-27354-d8c7dcb3\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Download form\" class=\"rbc-link-format pdf-link\" data-icon-class=\"pdf-link\" rel=\"noreferrer noopener\">Download form<\/a><\/p>\n<\/li>\n<\/ul>\n<\/div>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titler2ex5jlw\" class=\"collapse-toggle collapsed\" data-target=\"#accordionr2ex5jlw\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-9e8c97ea\" aria-controls=\"accordionr2ex5jlw\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Hospital insurance\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Hospital insurance<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionr2ex5jlw\" role=\"region\" aria-labelledby=\"accordion-titler2ex5jlw\"><div class=\"collapse-inner\">\n<div class=\"wp-block-rbc-file-list fileList\">\n<p><strong>Royal RecoverAssist Hospital Benefit Claim Form<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-rbc-list\">\n<li class=\"wp-block-rbc-list-item\">\n<p><a href=\"https:\/\/www.rbcinsurance.com\/healthinsurance\/pdf\/rra-hospital-benefit-claim-form-eng.pdf\" target=\"_blank\" data-dig-id=\"LP-27354-d8c7dcb3\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Download form\" class=\"rbc-link-format pdf-link\" data-icon-class=\"pdf-link\" rel=\"noreferrer noopener\">Download form<\/a><\/p>\n<\/li>\n<\/ul>\n<\/div>\n<\/div><\/div><\/div><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-faq faq\"><div class=\"faq__header\"><h3>Get help with an existing claim<\/h3><\/div><div class=\"faq__content\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<p class=\"mar-b-hlf mob-mar-b-hlf\">Call us to check on a claim&#8217;s status. Having the claim number handy when you call will help us give you faster service. If you can\u2019t find it, don\u2019t worry\u2014we can still assist you.<\/p>\n\n\n\n<div class=\"wp-block-rbc-information-card informationCard\" style=\"--icon-url:url(undefined);background-color:#EDF7FC\">\n<p><strong>Disability, Critical Illness, Long-Term Care Insurance or Hospital Insurance<\/strong><\/p>\n\n\n\n<p class=\"mar-b mob-mar-b\"><a href=\"tel:+18775199501\" data-dig-id=\"LP-27354-edab6875\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"1-877-519-9501\" class=\"rbc-link-format\">1-877-519-9501<\/a> <\/p>\n\n\n\n<p>(Toll free)<\/p>\n\n\n\n<p>Mon-Fri: 8:00am-5:00pm, ET<\/p>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-faq faq\"><div class=\"faq__header\"><h3>Make a claim by phone<\/h3><\/div><div class=\"faq__content\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<p class=\"mar-b-hlf mob-mar-b-hlf\">Call us first to make a claim request. Having the policy number handy when you call will help us give you faster service. If you can\u2019t find it, don\u2019t worry\u2014we can still assist you.<\/p>\n\n\n\n<div class=\"wp-block-rbc-information-card informationCard\" style=\"--icon-url:url(undefined);background-color:#EDF7FC\">\n<p><strong>Disability, Critical Illness, Long-Term Care Insurance or Hospital Insurance<\/strong><\/p>\n\n\n\n<p class=\"mar-b mob-mar-b\"><a href=\"tel:+18775199501\" data-dig-id=\"LP-27354-edab6875\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"1-877-519-9501\" class=\"rbc-link-format\">1-877-519-9501<\/a> <\/p>\n\n\n\n<p>(Toll free)<\/p>\n\n\n\n<p>Mon-Fri: 8:00am-5:00pm, ET<\/p>\n<\/div>\n\n\n\n<div class=\"rbci-tw-alert bannerNotice\"><div class=\"wp-block-rbc-banner-notice rbc-banner-block-header-div default\"><div><p class=\"rbc-banner-block-header\">What to do if you have a claim<\/p><\/div><\/div><div class=\"rbc-banner-block-description-p \"><div class=\"buttonSection\">\n<p class=\"call-link\">Dealing with a health issue or disability can be stressful. We\u2019re here to help support you and make things as easy as possible. If you have a critical illness policy with RBC Insurance, remember you can get an expert medical opinion from a world-renowned specialist from Best DoctorsDisclaimer\u2021 who can review your medical records to confirm your diagnosis.<\/p>\n\n\n\n<p class=\"call-link\">Follow these steps:<\/p>\n\n\n\n<ol class=\"wp-block-rbc-list\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Locate the health insurance policy, if possible.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Call us as soon as possible.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Complete and send in all required documentation<\/p>\n\n\n\n<div class=\"wp-block-rbc-faq faq\"><div class=\"faq__header\"><h3>Understanding life insurance<\/h3><\/div><div class=\"faq__content\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\"><\/div>\n<\/div><\/div>\n<\/li>\n<\/ol>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-faq faq\"><div class=\"faq__header\"><h3>Understanding life insurance<\/h3><\/div><div class=\"faq__content\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\"><\/div>\n<\/div><\/div>\n<\/div>\n<\/div><\/div>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-faq faq mar-t-dbl mob-mar-t-dbl\"><div class=\"faq__header\"><h2>Claims and service<\/h2><\/div><div class=\"faq__content\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlezk6o19e6\" class=\"collapse-toggle collapsed\" data-target=\"#accordionzk6o19e6\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-097fe7b5\" aria-controls=\"accordionzk6o19e6\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How do I make a change to my health insurance policy?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How do I make a change to my health insurance policy?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionzk6o19e6\" role=\"region\" aria-labelledby=\"accordion-titlezk6o19e6\"><div class=\"collapse-inner\">\n<p>To make a change to your disability, critical illness, long-term care or hospital insurance:<\/p>\n\n\n\n<p>Call 1-888-604-3434<\/p>\n\n\n\n<p>Monday to Friday: 8:00am to 5:00pm, ET<\/p>\n\n\n\n<p>You can also download change forms online.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titleu8iv47pt\" class=\"collapse-toggle collapsed\" data-target=\"#accordionu8iv47pt\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-6bfcac97\" aria-controls=\"accordionu8iv47pt\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How do I change my beneficiary for disability or critical illness insurance?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How do I change my beneficiary for disability or critical illness insurance?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionu8iv47pt\" role=\"region\" aria-labelledby=\"accordion-titleu8iv47pt\"><div class=\"collapse-inner\">\n<p>You will need to complete the appropriate Change of Beneficiary\/Recipient form to change the person who would receive your benefits in the event of your death. You can download change forms online.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titleanuvij5v\" class=\"collapse-toggle collapsed\" data-target=\"#accordionanuvij5v\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-1608b084\" aria-controls=\"accordionanuvij5v\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How do I cancel my health insurance coverage?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How do I cancel my health insurance coverage?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionanuvij5v\" role=\"region\" aria-labelledby=\"accordion-titleanuvij5v\"><div class=\"collapse-inner\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>For hospital insurance, cancel your coverage at any time by calling us at 1-888-659-0199.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>For disability or critical illness insurance, you will need to complete and submit the <a href=\"https:\/\/www.rbcinsurance.com\/salesresourcecentre\/file-177485.pdf\" target=\"_blank\" data-dig-id=\"LP-27354-5f2d324e\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Discontinuance of Health Policy\" class=\"rbc-link-format pdf-link\" data-icon-class=\"pdf-link\" rel=\"noreferrer noopener\">Discontinuance of Health Policy<\/a> form to cancel your coverage.<\/p>\n<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n<\/div>\n<\/div><\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-selection-panel selectionPanel\"><div class=\"selectionPanel__content\">\n<div class=\"wp-block-rbc-faq-wrapper faqWrapper  menuStyle__enhanced menuItems__dropdown\"><div class=\"faqWrapper__header\"><h2>Make a claim<\/h2><\/div><div class=\"faqWrapper__content\"><div class=\"faqWrapper__content-left\">\n<div class=\"selectDropdown__wrapper\">\n\t<div class=\"selectDropdown selectDropdown__default  selectDropdown__floating \" \t\tdata-option_name=\"\" style=\"width:100%\">\n\t\t\t\t<button class=\"selectDropdown__button\" aria-haspopup=\"listbox\" aria-expanded=\"false\">\n\t\t\t<span class=\"selectDropdown__title\" data-default_title=\"Make a claim online\">\n\t\t\t\tMake a claim online\t\t\t<\/span>\n\t\t\t<span class=\"selectDropdown__chevron\"><\/span>\n\t\t<\/button>\n\t\t<ul class=\"selectDropdown__list\" role=\"listbox\" tabindex=\"-1\">\n\t\t\t\t\t\t\t<li\n\t\t\t\t\tclass=\"selectDropdown__list__item selected\"\n\t\t\t\t\tdata-option_value=\"0\"\n\t\t\t\t\trole=\"option\"\n\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t>\n\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\tMake a claim online\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<li\n\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\tdata-option_value=\"1\"\n\t\t\t\t\trole=\"option\"\n\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t>\n\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\tMake a claim by phone\/fax\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<li\n\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\tdata-option_value=\"2\"\n\t\t\t\t\trole=\"option\"\n\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t>\n\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\tMake a claim by mail\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/li>\n\t\t\t\t\t<\/ul>\n\t\t\t<\/div>\n\t<\/div>\n<div class=\"faqWrapper__menuItems\"><ul class=\"menuItems__enhanced\" role=\"tablist\" tabindex=\"0\"><li class=\"faqWrapper__menuItem\" tabindex=\"0\" role=\"tab\" aria-selected=\"false\" id=\"faqWrapper__menuItem_1\"><div class=\"menuItems__enhanced__content\"><p class=\"menuItem__enhanced__name\">Make a claim online<\/p><\/div><\/li><li class=\"faqWrapper__menuItem\" tabindex=\"0\" role=\"tab\" aria-selected=\"false\" id=\"faqWrapper__menuItem_2\"><div class=\"menuItems__enhanced__content\"><p class=\"menuItem__enhanced__name\">Make a claim by phone\/fax<\/p><\/div><\/li><li class=\"faqWrapper__menuItem\" tabindex=\"0\" role=\"tab\" aria-selected=\"false\" id=\"faqWrapper__menuItem_3\"><div class=\"menuItems__enhanced__content\"><p class=\"menuItem__enhanced__name\">Make a claim by mail<\/p><\/div><\/li><\/ul><\/div><\/div><div class=\"faqWrapper__content-right\">\n<div class=\"wp-block-rbc-faq faq\"><div class=\"faq__header\"><h3>Make an online claim<\/h3><\/div><div class=\"faq__content\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlev23a219g\" class=\"collapse-toggle collapsed\" data-target=\"#accordionv23a219g\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-1de88582\" aria-controls=\"accordionv23a219g\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"RBC Credit Card Coverage\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>RBC Credit Card Coverage<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionv23a219g\" role=\"region\" aria-labelledby=\"accordion-titlev23a219g\"><div class=\"collapse-inner\">\n<div class=\"rbci-tw-alert bannerNotice\"><div class=\"wp-block-rbc-banner-notice rbc-banner-block-header-div default\"><div><p class=\"rbc-banner-block-header\">Start a claim online<\/p><\/div><\/div><div class=\"rbc-banner-block-description-p \"><div class=\"buttonSection\">\n<p class=\"call-link\">RBC Insurance has appointed AZGA Service Canada Inc. (operating as \u201cAllianz Global Assistance\u201d) as the provider of all assistance and claims.<\/p>\n\n\n\n<p class=\"call-link\">If your travel insurance coverage is provided under your RBC Credit Card, follow these steps to submit a claim:<\/p>\n\n\n\n<ol class=\"wp-block-rbc-list\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Create an account in the secure <a href=\"https:\/\/allianzassistanceclaims.ca\/p\/rbc\" target=\"_blank\" data-dig-id=\"LP-27354-f4533838\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Allianz Claims Portal\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\" rel=\"noreferrer noopener\">Allianz Claims Portal<\/a> (if you do not have one already)<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Sign in to the Claims portal to easily open a new claim, track the status of an existing claim, or complete an existing claim<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button  is-style-primary primary btn before\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/allianzassistanceclaims.ca\/p\/rbc\" target=\"_blank\" rel=\"noreferrer noopener\" data-dig-id=\"LP-33528-c65e0f8f\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Start a claim-https:\/\/allianzassistanceclaims.ca\/p\/rbc \">Start a claim<\/a><\/div>\n<\/div><\/div>\n<\/li>\n<\/ol>\n<\/div><\/div><\/div>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title18ziun18\" class=\"collapse-toggle collapsed\" data-target=\"#accordion18ziun18\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-e676878a\" aria-controls=\"accordion18ziun18\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"RBC Travel Insurance Policy Coverage\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>RBC Travel Insurance Policy Coverage<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion18ziun18\" role=\"region\" aria-labelledby=\"accordion-title18ziun18\"><div class=\"collapse-inner\">\n<div class=\"rbci-tw-alert bannerNotice\"><div class=\"wp-block-rbc-banner-notice rbc-banner-block-header-div default\"><div><p class=\"rbc-banner-block-header\">How to submit a claim online<\/p><\/div><\/div><div class=\"rbc-banner-block-description-p \"><div class=\"buttonSection\">\n<p class=\"call-link\">If your travel coverage is provided under your RBC Travel Insurance Policy, follow these steps to submit a claim:<\/p>\n\n\n\n<ol class=\"wp-block-rbc-list\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Sign in to <a href=\"https:\/\/www4.rbcinsurance.com\/ui\/signin\/home?lang=en\" target=\"_blank\" data-dig-id=\"LP-27354-bc47bd93\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Online Insurance\" class=\"rbc-link-format newwindow-link\" data-icon-class=\"newwindow-link\" rel=\"noreferrer noopener\">Online Insurance<\/a><\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>From the Policy Summary screen, find your travel policy\/certificate<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Click on \u201cOpen a Claim\u201d to get started<\/p>\n<\/li>\n<\/ol>\n\n\n\n<p class=\"call-link\"><strong>Note:<\/strong> If you are new to Online Insurance you will need to <a href=\"https:\/\/www4.rbcinsurance.com\/ui\/enrol\/start\" target=\"_blank\" data-dig-id=\"LP-27354-5915e03b\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"enrol\" class=\"rbc-link-format newwindow-link\" data-icon-class=\"newwindow-link\" rel=\"noreferrer noopener\">enrol<\/a> by completing our easy 4 step enrolment process in 4 easy steps. Please make sure to have all of your supporting documents and completed forms available when you open a claim online.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button  is-style-primary primary btn before\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www4.rbcinsurance.com\/ui\/signin\/home?lang=en\" target=\"_blank\" rel=\"noreferrer noopener\" data-dig-id=\"LP-33528-84fea033\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Sign in-https:\/\/www4.rbcinsurance.com\/ui\/signin\/home?lang=en \">Sign in<\/a><\/div>\n<\/div><\/div>\n<\/div><\/div><\/div>\n<\/div><\/div><\/div><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-faq faq\"><div class=\"faq__header\"><h3>Make a claim by phone\/fax<\/h3><\/div><div class=\"faq__content\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title44vnuioy\" class=\"collapse-toggle collapsed\" data-target=\"#accordion44vnuioy\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-645954eb\" aria-controls=\"accordion44vnuioy\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Medical and travel emergency\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Medical and travel emergency<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion44vnuioy\" role=\"region\" aria-labelledby=\"accordion-title44vnuioy\"><div class=\"collapse-inner\">\n<p>RBC Insurance has appointed AZGA Service Canada Inc. (operating as \u201cAllianz Global Assistance\u201d) as the provider of all assistance and claims.<\/p>\n\n\n\n<p>Call Allianz Global Assistance first to make a claim request. Having the policy number handy when you call will help a representative give you faster service. If you can\u2019t find it, don\u2019t worry\u2014a representative can still assist you. If a medical emergency prevents you from calling before receiving treatment, we ask that you (or someone else on your behalf) call Allianz Global Assistance at the earliest opportunity.<\/p>\n\n\n\n<div class=\"wp-block-columns mar-t-hlf mob-mar-t-hlf mar-b-hlf mob-mar-b-hlf is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column mar-r-hlf mob-mar-b-hlf mob-mar-r-0 has-rbc-bright-blue-tint-4-background-color has-background is-layout-flow wp-block-column-is-layout-flow\" style=\"border-radius:8px;padding-top:var(--wp--preset--spacing--50);padding-right:var(--wp--preset--spacing--50);padding-bottom:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--50)\">\n<p class=\"mar-b-qtr mob-mar-b-qtr\"><strong>Phone numbers<\/strong><\/p>\n\n\n\n<p><a href=\"tel:+18889109359\" data-dig-id=\"LP-27354-b4a89444\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"1-888-910-9359\" class=\"rbc-link-format\">1-888-910-9359<\/a><\/p>\n\n\n\n<p class=\"mar-b mob-mar-b\">(Toll-free from Canada &amp; U.S.)<\/p>\n\n\n\n<p><a href=\"tel:+18884931885\" data-dig-id=\"LP-27354-a8fb0e89\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"(888) 493-1885\" class=\"rbc-link-format\">(888) 493-1885<\/a><\/p>\n\n\n\n<p>(Collect from anywhere)<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column has-rbc-bright-blue-tint-4-background-color has-background is-layout-flow wp-block-column-is-layout-flow\" style=\"border-radius:8px;padding-top:var(--wp--preset--spacing--50);padding-right:var(--wp--preset--spacing--50);padding-bottom:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--50)\">\n<p class=\"mar-b-qtr mob-mar-b-qtr\"><strong>Fax numbers<\/strong><\/p>\n\n\n\n<p><a href=\"tel:+18886168745\" data-dig-id=\"LP-27354-2e5c284f\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"1-888-616-8745\" class=\"rbc-link-format\">1-888-616-8745<\/a><\/p>\n\n\n\n<p class=\"mar-b mob-mar-b\">(Toll-free fax from Canada &amp; U.S.)<\/p>\n\n\n\n<p><a href=\"tel:+19058134719\" data-dig-id=\"LP-27354-7833d8ec\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"(905) 813-4719\" class=\"rbc-link-format\">(905) 813-4719<\/a><\/p>\n\n\n\n<p>(Fax from anywhere)<\/p>\n<\/div>\n<\/div>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlen3dn6bpr\" class=\"collapse-toggle collapsed\" data-target=\"#accordionn3dn6bpr\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-c01d3fbe\" aria-controls=\"accordionn3dn6bpr\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Trip cancellation\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Trip cancellation<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionn3dn6bpr\" role=\"region\" aria-labelledby=\"accordion-titlen3dn6bpr\"><div class=\"collapse-inner\">\n<p>RBC Insurance has appointed AZGA Service Canada Inc. (operating as \u201cAllianz Global Assistance\u201d) as the provider of all assistance and claims.<\/p>\n\n\n\n<p>Call your travel agent, airline, tour operator or carrier to cancel your trip no later than one business day after the cause of cancellation\u2014and then call Allianz Global Assistance.<\/p>\n\n\n\n<div class=\"wp-block-rbc-information-card informationCard\" style=\"--icon-url:url(undefined);background-color:#EDF7FC\">\n<p><strong>Phone number<\/strong><\/p>\n\n\n\n<p class=\"mar-b mob-mar-b\"><a href=\"tel:+18884311856\" data-dig-id=\"LP-27354-5cce9b41\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"1-888-431-1856\" class=\"rbc-link-format\">1-888-431-1856<\/a><\/p>\n\n\n\n<p>(Toll-free from Canada &amp; U.S.)<\/p>\n\n\n\n<p>24 hours a day, 7 days a week<\/p>\n<\/div>\n<\/div><\/div><\/div><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-faq faq\"><div class=\"faq__header\"><h3>Make a claim by mail<\/h3><\/div><div class=\"faq__content\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<p>RBC Insurance has appointed AZGA Service Canada Inc. (operating as \u201cAllianz Global Assistance\u201d) as the provider of all assistance and claims.<\/p>\n\n\n\n<p>To obtain claim forms, please call <a href=\"tel:+18884311856\" data-dig-id=\"LP-27354-115f670c\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"1-888-431-1856\" class=\"rbc-link-format\">1-888-431-1856<\/a> (Toll-free from Canada &amp; U.S.). They can be contacted 24 hours a day, 7 days a week.<\/p>\n\n\n\n<p>Mail your completed and signed claim form, along with all necessary supporting documentation to:<\/p>\n\n\n\n<p>Allianz Global Assistance<br>PO Box 277<br>Waterloo, ON<br>N2J 4A4<\/p>\n<\/div>\n<\/div><\/div>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-faq faq mar-t-dbl mob-mar-t-dbl\"><div class=\"faq__header\"><h2>Claims and emergencies<\/h2><\/div><div class=\"faq__content\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlewsparjqh\" class=\"collapse-toggle collapsed\" data-target=\"#accordionwsparjqh\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-48faf80f\" aria-controls=\"accordionwsparjqh\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"If I'm called home for an emergency, will travel insurance pay my expenses?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>If I&#8217;m called home for an emergency, will travel insurance pay my expenses?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionwsparjqh\" role=\"region\" aria-labelledby=\"accordion-titlewsparjqh\"><div class=\"collapse-inner\">\n<p>If you have trip cancellation and interruption insurance and the emergency is covered, it will help pay for your expenses to return home. There are a number of circumstances that qualify as an emergency (for example, the death or serious illness of a family member). These circumstances, as well as terms and conditions, are described in the policy document.<\/p>\n\n\n\n<p>Trip cancellation and interruption insurance also reimburses you for any cancellation penalties that a travel provider might charge (if you cancel a non-refundable airline ticket, for example).<\/p>\n\n\n\n<p>Remember, in order to be reimbursed, you must call Allianz Global Assistance. You can call toll-free 24 hours a day, 7 days a week at 1-888-910-9359 from the U.S. and Canada or (888) 493-1885 collect from anywhere in the world.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlejadp61cu\" class=\"collapse-toggle collapsed\" data-target=\"#accordionjadp61cu\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-c602a1bf\" aria-controls=\"accordionjadp61cu\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"If I have a medical emergency during my trip, should I call the emergency contact number first, before seeking medical treatment?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>If I have a medical emergency during my trip, should I call the emergency contact number first, before seeking medical treatment?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionjadp61cu\" role=\"region\" aria-labelledby=\"accordion-titlejadp61cu\"><div class=\"collapse-inner\">\n<p>Yes, as soon as medically possible. There are several reasons to call the emergency contact number first:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>The multilingual representatives of Allianz Global Assistance are experienced experts in coordinating emergency care for travellers in foreign lands.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>They&#8217;re available 24 hours a day, seven days a week.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>If you don&#8217;t call Allianz Global Assistance first, your benefits may be reduced and your coverage may be limited.<\/strong> As stated in your policy, if you do not contact Allianz Global Assistance at the time of your medical emergency or you choose to receive treatment from a medical service provider outside the Allianz Global Assistance network, you will be responsible for 30% of your medical expenses covered under your insurance and in excess of your medical expenses paid by your government health plan. You can call Allianz Global Assistance toll-free 24 hours a day, 7 days a week at <strong>1-888-910-9359<\/strong> from the U.S. and Canada or <strong>(888) 493-1885<\/strong> collect from anywhere in the world.<\/p>\n<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title6h2wfsm1\" class=\"collapse-toggle collapsed\" data-target=\"#accordion6h2wfsm1\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-c69c0ea9\" aria-controls=\"accordion6h2wfsm1\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What if I medical condition prevents me from calling before seeking emergency medical treatment during my trip?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What if I medical condition prevents me from calling before seeking emergency medical treatment during my trip?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion6h2wfsm1\" role=\"region\" aria-labelledby=\"accordion-title6h2wfsm1\"><div class=\"collapse-inner\">\n<p>Of course, obtaining urgent care in an emergency is your #1 priority\u2014and our representatives are here to help at our toll-free emergency contact number. However, if your <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/travel-insurance\/travel-insurance-terms\/\" target=\"_blank\" data-dig-id=\"LP-27354-72521ea6\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"medical condition\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">medical condition<\/a> prevents you from calling before seeking emergency treatment, then you must call as soon as medically possible.<\/p>\n\n\n\n<p>Someone else (a family member, friend, hospital or physician&#8217;s office staff, etc.) may call on your behalf\u2013so it&#8217;s a very good idea to carry your RBC Insurance travel insurance wallet card with you at all times. Or as an alternative, they can email Allianz Global Assistance at: <a href=\"mailto:emergencyassistance@allianz-assistance.ca\" class=\"rbc-link-format\">emergencyassistance@allianz-assistance.ca<\/a>.<a href=\"#legal-5\" data-dig-id=\"LP-27354-05626fb4\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"5\" class=\"rbc-link-format\"><sup>5<\/sup><\/a><\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlegxthfszu\" class=\"collapse-toggle collapsed\" data-target=\"#accordiongxthfszu\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-2090a08b\" aria-controls=\"accordiongxthfszu\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How do I submit a travel insurance claim?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How do I submit a travel insurance claim?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordiongxthfszu\" role=\"region\" aria-labelledby=\"accordion-titlegxthfszu\"><div class=\"collapse-inner\">\n<p>We want to do all we can to help you if you have an emergency\u2014starting with reducing your stress level. If you need assistance, just call Allianz Global Assistance toll-free.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titler6kcru8p\" class=\"collapse-toggle collapsed\" data-target=\"#accordionr6kcru8p\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-affe566a\" aria-controls=\"accordionr6kcru8p\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What can I do to get my travel insurance claim paid quickly?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What can I do to get my travel insurance claim paid quickly?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionr6kcru8p\" role=\"region\" aria-labelledby=\"accordion-titler6kcru8p\"><div class=\"collapse-inner\">\n<p>It&#8217;s our goal to settle every claim as quickly as possible. While every claim is different, there are things you can do to speed things up:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>If you require emergency care on your trip<\/strong>, call our emergency contact number immediately, or at the earliest possible opportunity (someone else can call if you&#8217;re unable to). If you do not, your coverage may be limited and your benefits could be reduced.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>If you need to cancel your trip prior to departing<\/strong>, call your travel agency, airline, tour company or the carrier immediately to cancel your trip no later than one business day after the cause of cancellation. Call Allianz Global Assistance the same day.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>For all claims<\/strong>, carefully read the instructions for submitting your claim. Make sure you fully complete any required claims forms and submit all required documentation at your earliest possible convenience. For example, you may need to provide information on your past health history if you are submitting an emergency medical claim or a trip cancellation claim due to a medical condition.<\/p>\n<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlegnvayk4h\" class=\"collapse-toggle collapsed\" data-target=\"#accordiongnvayk4h\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-c7913ff4\" aria-controls=\"accordiongnvayk4h\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What happens when I call the travel emergency contact number due to a medical emergency?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What happens when I call the travel emergency contact number due to a medical emergency?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordiongnvayk4h\" role=\"region\" aria-labelledby=\"accordion-titlegnvayk4h\"><div class=\"collapse-inner\">\n<p>The multilingual representatives of Allianz Global Assistance are ready 24 hours a day, seven days a week when you have a medical emergency. You can rely on them to refer you or (when medically appropriate) transfer you to one of the accredited medical service providers within the Allianz Global Assistance network, so you can receive the care you need as quickly as possible.<\/p>\n\n\n\n<p>Because the representatives are multilingual and have 24-hour access to real-time translation services, they can provide the help you need in your own language\u2014and also have someone to communicate on your behalf with medical personnel who may speak a different language.<\/p>\n\n\n\n<p>Whenever possible, Allianz Global Assistance will also request for the medical service provider within the network to bill the covered medical expenses directly to us instead of you\u2014reducing stress and hassle.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titles4o4n87c\" class=\"collapse-toggle collapsed\" data-target=\"#accordions4o4n87c\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-0a8d9bd6\" aria-controls=\"accordions4o4n87c\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"If I need care while I'm abroad, will my travel insurance policy pay my medical costs up front?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>If I need care while I&#8217;m abroad, will my travel insurance policy pay my medical costs up front?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordions4o4n87c\" role=\"region\" aria-labelledby=\"accordion-titles4o4n87c\"><div class=\"collapse-inner\">\n<p>We will pay your eligible medical bills directly to the medical provider or hospital for you whenever possible.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titleudqegghu\" class=\"collapse-toggle collapsed\" data-target=\"#accordionudqegghu\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-db4c8839\" aria-controls=\"accordionudqegghu\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What should I do if I need emergency travel or medical assistance in a foreign country\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What should I do if I need emergency travel or medical assistance in a foreign country<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionudqegghu\" role=\"region\" aria-labelledby=\"accordion-titleudqegghu\"><div class=\"collapse-inner\">\n<p>No matter where in the world you are, we\u2019ll be here for you. If you have an emergency, you can call Allianz Global Assistance toll-free 24 hours a day, 7 days a week at 1-888-910-9359 from the U.S. and Canada or (888) 493-1885 collect from anywhere in the world. Or as an alternative, you can email Allianz Global Assistance at: <a href=\"mailto:emergencyassistance@allianz-assistance.ca\" class=\"rbc-link-format\">emergencyassistance@allianz-assistance.ca<\/a>.<a href=\"#legal-5\" data-dig-id=\"LP-27354-05626fb4\" data-dig-label=\"5\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\"><sup>5<\/sup><\/a><\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlefql3bigt\" class=\"collapse-toggle collapsed\" data-target=\"#accordionfql3bigt\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-33528-501fd2ed\" aria-controls=\"accordionfql3bigt\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What documentation will I need to provide with my travel insurance claim?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What documentation will I need to provide with my travel insurance claim?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionfql3bigt\" role=\"region\" aria-labelledby=\"accordion-titlefql3bigt\"><div class=\"collapse-inner\">\n<p>The documentation you need to provide will depend on the type of claim, the type of plan you purchased and the province\/territory in which you live.<\/p>\n<\/div><\/div><\/div><\/div>\n<\/div>\n<\/div><\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-selection-panel selectionPanel\"><div class=\"selectionPanel__content\">\n<div class=\"wp-block-rbc-faq-wrapper faqWrapper  menuStyle__enhanced menuItems__dropdown\"><div class=\"faqWrapper__header\"><h2>Make a claim<\/h2><\/div><div class=\"faqWrapper__content\"><div class=\"faqWrapper__content-left\">\n<div class=\"selectDropdown__wrapper\">\n\t<div class=\"selectDropdown selectDropdown__default  selectDropdown__floating \" \t\tdata-option_name=\"\" style=\"width:100%\">\n\t\t\t\t<button class=\"selectDropdown__button\" aria-haspopup=\"listbox\" aria-expanded=\"false\">\n\t\t\t<span class=\"selectDropdown__title\" data-default_title=\"Online\">\n\t\t\t\tOnline\t\t\t<\/span>\n\t\t\t<span class=\"selectDropdown__chevron\"><\/span>\n\t\t<\/button>\n\t\t<ul class=\"selectDropdown__list\" role=\"listbox\" tabindex=\"-1\">\n\t\t\t\t\t\t\t<li\n\t\t\t\t\tclass=\"selectDropdown__list__item selected\"\n\t\t\t\t\tdata-option_value=\"0\"\n\t\t\t\t\trole=\"option\"\n\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t>\n\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\tOnline\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<li\n\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\tdata-option_value=\"1\"\n\t\t\t\t\trole=\"option\"\n\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t>\n\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\tExisting claim\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/li>\n\t\t\t\t\t<\/ul>\n\t\t\t<\/div>\n\t<\/div>\n<div class=\"faqWrapper__menuItems\"><ul class=\"menuItems__enhanced\" role=\"tablist\" tabindex=\"0\"><li class=\"faqWrapper__menuItem\" tabindex=\"0\" role=\"tab\" aria-selected=\"false\" id=\"faqWrapper__menuItem_1\"><div class=\"menuItems__enhanced__content\"><p class=\"menuItem__enhanced__name\">Online<\/p><\/div><\/li><li class=\"faqWrapper__menuItem\" tabindex=\"0\" role=\"tab\" aria-selected=\"false\" id=\"faqWrapper__menuItem_2\"><div class=\"menuItems__enhanced__content\"><p class=\"menuItem__enhanced__name\">Existing claim<\/p><\/div><\/li><\/ul><\/div><\/div><div class=\"faqWrapper__content-right\">\n<div class=\"wp-block-rbc-faq faq\"><div class=\"faq__header\"><h3>Make a claim by phone<\/h3><\/div><div class=\"faq__content\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<div class=\"wp-block-columns mar-b-qtr mob-mar-b-qtr is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column mar-r-hlf mob-mar-r-0 has-rbc-bright-blue-tint-4-background-color has-background is-layout-flow wp-container-core-column-is-layout-7781f981 wp-block-column-is-layout-flow\" style=\"border-radius:8px;padding-top:var(--wp--preset--spacing--50);padding-right:var(--wp--preset--spacing--50);padding-bottom:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--50)\">\n<p class=\"mar-b-qtr mob-mar-b-qtr\"><strong>HomeProtector<\/strong><\/p>\n\n\n\n<p class=\"mar-b mob-mar-b\"><a href=\"tel:+18007692523\" data-dig-id=\"LP-27354-0b174082\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"1-800-769-2523\" class=\"rbc-link-format\">1-800-769-2523<\/a><\/p>\n\n\n\n<p>(Toll Free)<\/p>\n\n\n\n<p>Mon-Fri: 8:00am-10:00pm ET<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column mar-r-hlf mob-mar-r-0 has-rbc-bright-blue-tint-4-background-color has-background is-layout-flow wp-block-column-is-layout-flow\" style=\"border-radius:8px;padding-top:var(--wp--preset--spacing--50);padding-right:var(--wp--preset--spacing--50);padding-bottom:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--50)\">\n<p class=\"mar-b-qtr mob-mar-b-qtr\"><strong>LoanProtector<\/strong><\/p>\n\n\n\n<p class=\"mar-b mob-mar-b\"><a href=\"tel:+18007692523\" data-dig-id=\"LP-27354-0b174082\" data-dig-label=\"1-800-769-2523\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">1-800-769-2523<\/a><\/p>\n\n\n\n<p>(Toll Free)<\/p>\n\n\n\n<p>Mon-Fri: 8:00am-10:00pm ET<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column has-rbc-bright-blue-tint-4-background-color has-background is-layout-flow wp-block-column-is-layout-flow\" style=\"border-radius:8px;padding-top:var(--wp--preset--spacing--50);padding-right:var(--wp--preset--spacing--50);padding-bottom:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--50)\">\n<p class=\"mar-b-qtr mob-mar-b-qtr\"><strong>BalanceProtector Max<\/strong><\/p>\n\n\n\n<p class=\"mar-b mob-mar-b\"><a href=\"tel:+18888962766\" data-dig-id=\"LP-27354-438866d3\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"1-888-896-2766\" class=\"rbc-link-format\">1-888-896-2766<\/a><\/p>\n\n\n\n<p>(Toll-Free)<\/p>\n\n\n\n<p>Mon-Fri: 8:00am-8:00pm ET<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"rbci-tw-alert bannerNotice\"><div class=\"wp-block-rbc-banner-notice rbc-banner-block-header-div default\"><div><p class=\"rbc-banner-block-header\">How to make a claim<\/p><\/div><\/div><div class=\"rbc-banner-block-description-p \"><div class=\"buttonSection\">\n<p class=\"call-link\">You must submit your claim within a certain period of time. This timeframe varies by product, generally within 30 to 150 days of the occurrence. It&#8217;s best to call us right away, and we&#8217;ll guide you.<\/p>\n<\/div><\/div><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-faq faq\"><div class=\"faq__header\"><h3>Get help with an existing claim<\/h3><\/div><div class=\"faq__content\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<div class=\"wp-block-columns mar-b mob-mar-b is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column mar-r-hlf mob-mar-r-0 has-rbc-bright-blue-tint-4-background-color has-background is-layout-flow wp-container-core-column-is-layout-7781f981 wp-block-column-is-layout-flow\" style=\"border-radius:8px;padding-top:var(--wp--preset--spacing--50);padding-right:var(--wp--preset--spacing--50);padding-bottom:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--50)\">\n<p class=\"mar-b-qtr mob-mar-b-qtr\"><strong>HomeProtector<\/strong><\/p>\n\n\n\n<p class=\"mar-b mob-mar-b\"><a href=\"tel:+18007692523\" data-dig-id=\"LP-27354-0b174082\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"1-800-769-2523\" class=\"rbc-link-format\">1-800-769-2523<\/a><\/p>\n\n\n\n<p>(Toll Free)<\/p>\n\n\n\n<p>Mon-Fri: 8:00am-10:00pm ET<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column mar-r-hlf mob-mar-r-0 has-rbc-bright-blue-tint-4-background-color has-background is-layout-flow wp-block-column-is-layout-flow\" style=\"border-radius:8px;padding-top:var(--wp--preset--spacing--50);padding-right:var(--wp--preset--spacing--50);padding-bottom:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--50)\">\n<p class=\"mar-b-qtr mob-mar-b-qtr\"><strong>LoanProtector<\/strong><\/p>\n\n\n\n<p class=\"mar-b mob-mar-b\"><a href=\"tel:+18007692523\" data-dig-id=\"LP-27354-0b174082\" data-dig-label=\"1-800-769-2523\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">1-800-769-2523<\/a><\/p>\n\n\n\n<p>(Toll Free)<\/p>\n\n\n\n<p>Mon-Fri: 8:00am-10:00pm ET<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column has-rbc-bright-blue-tint-4-background-color has-background is-layout-flow wp-block-column-is-layout-flow\" style=\"border-radius:8px;padding-top:var(--wp--preset--spacing--50);padding-right:var(--wp--preset--spacing--50);padding-bottom:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--50)\">\n<p class=\"mar-b-qtr mob-mar-b-qtr\"><strong>BalanceProtector Max<\/strong><\/p>\n\n\n\n<p class=\"mar-b mob-mar-b\"><a href=\"tel:+18888962766\" data-dig-id=\"LP-27354-438866d3\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"1-888-896-2766\" class=\"rbc-link-format\">1-888-896-2766<\/a><\/p>\n\n\n\n<p>(Toll-Free)<\/p>\n\n\n\n<p>Mon-Fri: 8:00am-8:00pm ET<\/p>\n<\/div>\n<\/div>\n\n\n\n<p>If you are a RBC Royal Bank Online Banking client, you&#8217;ll receive automatic updates on the status of your claim. You can view these updates in the Online Banking Message Centre.<\/p>\n<\/div>\n<\/div><\/div>\n<\/div><\/div><\/div>\n<\/div><\/div>\n<\/div><\/div><\/div>\n\n\n\n<section class=\"wp-block-rbc-rbc-legal-collapsible disclaimer\" aria-label=\"Legal Disclaimers\"><div class=\"section-inner\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapseDisclaimer\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapseDisclaimer\" data-dig-id=\"LP-33528-2f7894da\" data-dig-category=\"LP\" data-dig-action=\"legal close\" data-dig-label=\"legal close\" action-closed=\"legal close\" action-opened=\"legal open\" label-close=\"legal open\" label-open=\"legal close\"><span>View Legal Disclaimers<\/span><span>Hide Legal Disclaimers<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapseDisclaimer\"><div class=\"collapse-inner\"><div class=\"table-wpr\">\n<div class=\"wp-block-rbc-rbc-disclaimer-block\"><div class=\"table-row\" id=\"legal-4\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>\u2021<\/sup><\/div><div class=\"table-cell\">\n<p>BEST DOCTORS and other trademarks shown are trademarks of Best Doctors, Inc. Used under license.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-disclaimer-block\"><div class=\"table-row\" id=\"legal-1\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>1<\/sup><\/div><div class=\"table-cell\">\n<p>Service provided by Aviva General Insurance Company. Service not available in Quebec. Quebec residents may call 1-800-769-2526 for questions about their policy and coverages.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-disclaimer-block\"><div class=\"table-row\" id=\"legal-2\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>3<\/sup><\/div><div class=\"table-cell\">\n<p>The Loss of Vehicle Use endorsement provides coverage for reasonable costs up to the limit in your policy. Certain conditions apply.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-disclaimer-block\"><div class=\"table-row\" id=\"legal-3\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>4<\/sup><\/div><div class=\"table-cell\">\n<p>Feature applies to the vehicle on which it is purchased. Must qualify for a 6- or 7- star driving record<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-disclaimer-block\"><div class=\"table-row\" id=\"legal-5\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>5<\/sup><\/div><div class=\"table-cell\">\n<p>Regular, unencrypted email is not secure. Please be mindful if including any personal or confidential information in a regular, unencrypted email. To discuss your personal information safely, you may wish to contact Allianz Global Alliance by telephone. For more general cyber security information, please visit <a href=\"https:\/\/www.rbc.com\/cyber-security\/how-to-contact-us\/index.html\" target=\"_blank\" data-dig-id=\"LP-27354-c13f9bce\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Email &amp; Website Fraud\" class=\"rbc-link-format newwindow-link\" data-icon-class=\"newwindow-link\" rel=\"noreferrer noopener\">Email &amp; Website Fraud<\/a> or to help you spot phishing emails and fake websites, visit our <a href=\"https:\/\/www.rbc.com\/cyber\/how-cyber-criminals-make-contact\/index.html#look-out-for-email-scams\" target=\"_blank\" data-dig-id=\"LP-27354-d1cf74aa\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Cyber site\" class=\"rbc-link-format newwindow-link\" data-icon-class=\"newwindow-link\" rel=\"noreferrer noopener\">Cyber site<\/a>.<\/p>\n<\/div><\/div><\/div>\n<\/div><\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":196,"featured_media":0,"parent":25168,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"templates\/new-rbci-design.php","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-32439","page","type-page","status-publish","hentry"],"pp_force_visibility":null,"pp_subpost_visibility":null,"pp_inherited_force_visibility":null,"pp_inherited_subpost_visibility":null,"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.1 (Yoast SEO v27.1.1) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Frequently Asked Questions | RBC Insurance<\/title>\n<meta name=\"description\" content=\"Answers to frequently asked questions about RBC Insurance&#039;s services and products.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.rbcinsurance.com\/en-ca\/contact-us\/frequently-asked-questions\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Frequently Asked Questions | RBC Insurance\" \/>\n<meta property=\"og:description\" content=\"Answers to frequently asked questions about RBC Insurance&#039;s services and products.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.rbcinsurance.com\/en-ca\/contact-us\/frequently-asked-questions\/\" \/>\n<meta property=\"og:site_name\" content=\"RBC Insurance\" \/>\n<meta property=\"article:modified_time\" content=\"2025-12-17T18:59:46+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/personal-insurance-mobile.webp?quality=80\" \/>\n\t<meta property=\"og:image:width\" content=\"880\" 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