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Auto Insurance FAQ

General Questions

Westland Express is the digital branch of Westland Insurance, an independent, national insurance brokerage based out of Surrey, British Columbia.

We offer a digital option for quoting, purchasing and managing insurance policies in Alberta, British Columbia, Manitoba, New Brunswick, Newfoundland, Nova Scotia, Ontario, Prince Edward Island and Saskatchewan.

Policy Questions

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For a new auto quote, please go to www.westlandexpress.ca, click on Auto and follow the steps to get a quote! Please be sure to provide your email address on the quote so we can reach out to review the details with you. Once we receive the preliminary quote details, a licensed broker from our team will contact you to review and finalize the details!

Once we receive a quote request, a broker will reach out to you via email within 24 business hours to review the details! Depending on how quickly we get all of the information, we typically can have a policy ready within 48 hours!

Insurance can be confusing – that’s where we come in! We will review the coverage with you as part of the application process. We’re not trying to be nosy! We ask a lot of questions to ensure we are insuring you, your family and lifestyle correctly!

You can refer to your policy documents to see what the renewal date is. If you cannot find or did not receive your policy documents, please email us at support@westlandexpress.ca and we will email you a copy for your records.

If you require proof of insurance for your leasing or financing company, please email us at support@westlandexpress.ca and we will email a copy of your records.

If you are moving or require any other changes to your policy, please email us at support@westlandexpress.ca.

Every territory/postal code has a different rating for auto insurance. That means that the premium can go up or go down at the new address. We will ask you a number of questions about your new address, driving distance to work or school and the drivers in the household and submit it to the insurance company to update your policy. Using the new information, the insurance company’s system will determine what the new premium will be.

Please check your junk mail, spam or trash folder as the e-mails may be there.

Please also add support@westlandexpress.ca, contact@westlandexpress.ca and admin@westlandexpress.ca as safe senders to ensure you receive all correspondence regarding your policy.

Please email us at support@westlandexpress.ca to make changes to your auto policy.

We will ask you a number of questions the changes you would like to make and then submit it to the insurance company to update your policy. Using the new information, the insurance company’s system will determine what the new premium will be.

Accordion Content

Claims

To submit a claim, please click on this link, click on Auto Insurance and then the company you are insured with: https://westlandexpress.ca/claims/

The name of your insurance company can be found on your policy documents.

An adjuster should contact you within 72 business hours to review the claim details and provide direction on what will happen next.

Please refer to your policy documents to confirm and review what your coverage is.

If you cannot find or did not receive your policy documents, please email us at support@westlandexpress.ca and we will email you a copy for your records.

Payments

For a new auto quote, please go to www.westlandexpress.ca, click on Auto and follow the steps to get a quote! Once the quote has been reviewed by a broker, they will reach out to you to offer the quote and provide next steps to purchase the coverage!

Payment options vary from company-to-company. The most popular options are one, lump sum OR monthly payment. A licensed broker will review the options available to you when filling out the application.

Payment methods and dates vary by insurance company. When a policy is purchased, a broker will review your options prior to purchasing the policy. The payment schedule, including the amount due and due dates, will be included with your policy documents.

Payment methods and dates vary by insurance company. When a policy is purchased, the insurance company will include a payment schedule with your policy documents.

Payment methods and dates vary by insurance company. When a policy is purchased, a broker will review your options prior to binding coverage. Some companies do not allow a change in withdrawal date mid-term (any date other than the renewal), while others will allow you to change the withdrawal date mid-term.

Remember that insurance companies send the request to each bank 5 – 7 days prior to the requested withdrawal date. Please request any changes to the withdrawal date AT LEAST eight days prior to the withdrawal date. Please also note that any payments returned by the bank as NSF will result in an NSF fee; this is separate from the NSF fee charged by your bank.

The initial payment breakdown varies by insurance company. When a policy is purchased, the insurance company will advise you of the first payment on the policy documents. Generally, the first payment is equal to 2 – 3 months premium/payment so please review your payment schedule carefully.

When a policy is purchased, the insurance company will outline their fees in their policy documents.

Please note that any payments returned by the bank as NSF will result in an NSF fee; this is separate from the NSF fee charged by your bank. Please be sure to review your payment schedule and details very carefully!

If you cancel a policy on any date other than the renewal date, a cancellation surcharge will apply.

Insurance documents are filled with legal jargon that can sometimes leave you thinking, “Okay, but what am I actually covered for?”

Hopefully we can help!

Here are some commonly used insurance terms, but by no means is a complete list of what is available with each insurance company:

  • Collision coverage: this optional coverage pays to fix your vehicle if you cause a crash or have a single vehicle accident, like hitting a pole. Typically, you must have this if you lease or finance your vehicle.
  • Comprehensive: an optional coverage pays to repair your vehicle in the event of glass, fire, theft, vandalism or impact with a flying object (something comes off the vehicle in front of you and hits your vehicle). Typically, you must have this if you lease or finance your vehicle.
  • Third Party Liability: mandatory across Canada, this pays for the treatment of other’s injuries or property damage if you cause an accident as well as legal costs if you are sued after an accident.
  • Loss of Use: got into an accident and still need to get to work? Add the optional loss of use coverage to your policy to provide coverage for a rental vehicle if you have an accident and your vehicle needs repairs.