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Auto Insurance:

CNS has made provisions for customers who are temporarily using their vehicle for delivery (e.g. an employee of a pharmacy, restaurant, grocery store, or as part of an app-based food delivery service) during the COVID-19 crisis to be covered under their existing policy without an impact to their car insurance premium. Please contact us to note this change on your policy if required.

Premium Reduction:
Customers whose driving situations have changed have the following options.

  1. Change the use of your vehicle to pleasure. This removes coverage for a daily commute to work and is based on driving less than a specified number of kilometers a year. Please keep in mind though, that if you are no longer driving to work, any potential savings will be based on the length of your typical commute. If you did not use your vehicle to drive to work before COVID-19, you may not see any cost savings. Your premium will be prorated for the time you are no longer commuting to work. Therefore, when you return to your regular work commute, you will need to contact TW Insurance Brokers to adjust your policy and your premiums will be adjusted accordingly.

  2. Park your vehicle and remove all road coverages. There are multiple options to remove road coverages from one or more of your vehicles depending on your personal circumstances. This will translate to the most savings however it will mean that you can no longer drive your car for any reason including groceries, etc. If your vehicle is leased or has a loan against it, we would require permission from the lessor or financial institution in order to delete coverages. We would be happy to discuss these options with you and what they might mean for you and your family.

It is your responsibility to update us when any change occurs. We recognize that we are all learning to adapt in these uncertain times. If you choose to amend your auto policy, it is your responsibility to contact a TW Insurance broker if and when your driving habits change. We can then work with you to ensure you have the right coverage for your needs. If your coverage does not match your driving habits, there is risk that your claim could be denied.

If you would like to amend your auto policy based on the information outlined above, please click here to fill out our
COVID-19 Policy Change Request Form.

Home Insurance:

CNS is handling coverage changes on a case-by-case basis. Please contact us if you would like to discuss your options.


CNS is offering flexible payment options on a case-by-case basis. Please contact us to discuss your options.