COVID-19: We are here to help
As your broker, we are working with our carriers to understand any recent policy changes and determine how to best respond to your individual needs.
Please review our general FAQ below for important information related to your home and auto policy questions.
It’s important to know that there is no across the board way to reduce auto insurance rates in the industry. Rather, some insurers have come out with details of their own programs. There are many factors to consider when determining the impact of these programs on your own auto insurance policy.
To learn more about your coverage options and request changes to your existing auto policy, please select the carrier you are insured with. Please remember it is possible to have a different insurance company for your auto insurance than you do for your home insurance.
How to contact us
As your broker, we’re here to work with you to answer your questions and review your unique situation. If you would like to speak to a TW Insurance broker about these recent announcements, please visit our Contact Us page.
Should I change the use of my vehicle to pleasure on my auto policy?
This is an option if you are no longer using your vehicle to drive to work. By changing your vehicle use to pleasure you remove coverage for your daily commute to work, indicating that you are driving less than a specified number of kilometers a year. Any potential savings will be based on the length of your typical commute, as a result your savings may be minimal and on average can range between $3 to $50 per year. When you return to your regular commute, you will need to contact TW Insurance Brokers to adjust your policy and your premiums will be adjusted accordingly.
What if I didn’t already drive to work?
If you did not use your vehicle to drive to work before COVID-19, you may not see any savings.
If I am not driving, should I 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 also 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.
What if I use my vehicle for deliveries?
Some insurers have indicated that using your personal vehicle to deliver food and medical supplies during this time does not require a change to your auto policy. This does not apply to delivery drivers using third-party apps. When a vehicle is used for commercial purposes, it is a significant change to your policy. Your auto insurer needs to be alerted or your claim will be denied, and your policy may no longer be valid. We would be happy to discuss your options with you and what this might mean for you and your family.
If I make changes to my policy now, do I need to change it again when I return to my previous amount of driving?
Yes, it is your responsibility to update us 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.
I would like to change my auto policy, what is my next step?
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.
I changed my vehicle usage to pleasure, but now I’m commuting again. How can I update my policy?
If you changed your usage to pleasure and are now commuting again, you can fill out the COVID 19 Policy Change Request form to update your auto policy. One of our TW Insurance Brokers team will get back to you within two business days. Alternatively, you may call us at 1-800-272-5688.
Does working from home impact my home insurance?
Generally, a standard home contents insurance policy doesn’t cover valuables in your home that belong to your workplace, so it’s a good idea to check with your broker if you need additional coverage.
If you’ve decided to run a business from home, you need to speak to your insurance broker before starting the business. Regardless of the type of business, if you are selling an item to a customer you can be liable for injury that happens while using your product. As a home-based business is a significant change to your policy, your claim will not be covered, and home policy may no longer be valid.
Are there changes to the way I file my claim?
There are no changes to the way you file your claim.
Curo Claims Services is working to maintain a high level of care as it provides claims services for TW customers.
Please be aware that due to COVID-19 you may see some delays in the claims process. If you have questions about your claim, please contact Curo Claims Services at 1-866-952-2876 and a representative will work with you to find a solution that fits your needs.
Accessing your policy
Where can I access my TW home and auto policy information?
Policy information can be found on the TW Home and Auto mobile app. Through the app you can access policy information, submit claim information and coverage change requests, as well as contact TW directly.
Download the app for iPhone, Android, and BlackBerry devices by searching TW Insurance Mobile in your app store or register on our website by clicking MyTWInsurance in the top navigation bar. Please note that you will need your driver’s license and policy number to register.