Getting ready to renew your home or car insurance

Your insurance is up for renewal. You might have questions about your rate or the renewal process. We’re here to help make sure your coverage still meets your needs, so you get the right protection at the right price.

98% of our clients renew their insurance with us year after year*

How renewal works

1. You get your renewal documents

We let you know when you’re up for renewal about 60 days in advance. Depending on your communication preferences, you get notified either by mail or email.

Your renewal documents are available through Online Services if you’re Paper-Free (OneFile). You can also consult renewals from previous years.

2. You review the information

Your renewal documents have a lot of important information, including:

  • Your new rate (or premium)
  • Your coverages
  • Who’s insured
  • Your discounts and savings

It’s a contract, so make sure to write down any questions you have and changes you’d like to make.

3. You decide what’s next


No changes or questions?

If you use pre-authorized payments, no need to do anything else. Your policy renews on the date specified in your policy document.

If you pay by cheque, you must pay in full before the specified renewal date.


Something’s changed?

Get in touch the way you want. We’re just a few clicks or a call away.

Do it online

You can use Online Services to manage your insurance and save time. For example, you can update your email address and phone number and even start an address change online.

Why home or auto premiums go up

Home and car insurance costs can vary from one year to the next. Inflation is one factor that can impact your premium at renewal, but there are many others like the number of claims the insurer gets every year, your claims history and where you live.


Factors impacting car insurance that you can control

  • How well you drive (your driving record)
  • How you use your car
  • What make and model car you drive
  • Whether you’ve installed an anti-theft tracking device


Other factors impacting your car insurance

  • Cost of auto parts and repairs
  • Frequency of accidents in your area
  • Frequency of car thefts in your area


Did you know?

Over 10 years, the average cost to repair a car went up 55%.1


Factors impacting home insurance that you can control

  • Whether you have a home security system
  • If you’ve done renovations
  • Whether you have a pool or hot tub
  • How old your roof is


Other factors impacting your home insurance

  • Extreme weather, such as ice storms, floods, strong winds
  • Cost of building materials and labour
  • Frequency of theft or vandalism in your area

Ways you could save on your home or auto insurance

Here are some tips to help you get the coverage you need and the best value for your money.

Keep your insurance up to date

Let us know if you start driving less, put your vehicle in storage, get rid of your wood-burning stove or install a new roof. You could see your premium go down!

Bundle your home and auto insurance

Insuring both your home and car with us can get you a lower rate and make your insurance easier to manage.

Know what coverage you need…

And what coverage you don’t! Keep the age and use of your vehicle in mind as you choose your insurance. We’re happy to discuss your options and make sure your needs are covered.

Consider increasing your deductible

A deductible is how much you pay out of pocket if losses occur. With a higher deductible, your premium could go down. If you don’t make any claims, you won’t have to pay the deductible. Consider how much you are willing to pay in the event of a claim before increasing your deductible.

Discover Ajusto

It pays safe to drive with Ajusto®

Get a 10% discount for 6 months when you sign up. After that, get a personalized premium based on how well you drive!

Frequently asked renewal questions

How long does it take to renew my insurance?

We start sending out renewal notices about 2 months before policies are set to expire. It’s a good idea to set aside some time to read over your renewal documents. If you don’t have questions or changes to make, you’re all done! Arrange for payment, and your insurance renews on the date indicated in your documents. For changes or questions, you can write or call us.

Can I cancel my insurance after renewal?

Yes, you can cancel your insurance at any time. However, you may need to pay a cancellation fee depending on the date you request. To learn more, see Cancelling car or home insurance.

My home and car insurance renew on the same date, but I’ve only received one document. Is this normal?

Yes. Sometimes your home and auto renewal documents don’t arrive on the same day, even though the renewal dates are the same. Expect your second set of documents soon after the first.

Contact us

By phone

Number for questions about your insurance renewal. This link opens your phone app.1-888-476-8737

Monday to Friday: 8 a.m. to 8 p.m. (Eastern Time)
Saturday: 8 a.m. to 4 p.m. (Eastern Time)

Certain conditions, exclusions and limitations may apply.

Savings are based on each client’s individual profile. Savings and discounts are subject to eligibility conditions. Rates and discounts are subject to change without notice. The terms and conditions of the coverages described are set out in the insurance policy, which always prevails.

Tips are provided for information and prevention purposes only. They are general in nature, and The Personal cannot be held liable for them. We recommend using caution and consulting a damage insurance agent for comprehensive, tailored advice.

The discount and the personalized premium do not apply to certain endorsements or additional coverages. about how the enrolment discount appliesLearn more.

Ajusto is underwritten by The Personal and available in Quebec, Ontario and Alberta only.

Ajusto® is a registered trademark of Desjardins General Insurance Inc., used under licence.

* Internal statistics of The Personal: Number of policyholders who renewed their policies when their policy came up for renewal from January 1, 2023 to June 30, 2023. The rate does not include mid-year term cancellations and terminations.

1. Source: External link.Québec Automobile Insurance Market – Insurance Bureau of Canada. Cost comparison from 2010 to 2021. [Back]