1 Pinehill Drive, Suite 2
Lr. Sackville, NS

Phone Number
(902) 865-0025
 

Frequently Asked Questions

Do you have questions? We're always here to answer anything that may be on your mind.

We've compiled a list of common questions below, but if you have any specific questions please do not hesitate to contact us.

Can insurance companies cancel or refuse to renew my auto insurance?

YES. The most common reasons would be non-payment of premiums, inaccuracies on your application, or any material change in the use of your vehicle. Insurance companies may choose not to renew a policy due to claim frequency.

Can insurance companies cancel or refuse to renew my home insurance?

YES. Just like your auto insurance, failure to pay your premium at the time it is due or withholding information can result in the policy being cancelled. Claim frequency on your home insurance is another reason the insurance company may choose not to renew your policy.

If I loan my car to a friend, and he or she has an accident, does their Insurance cover it?

NO. If you loan your car, you also loan your insurance. So if a friend is responsible for an accident while driving your vehicle with your permission, then it is your insurance that will take a hit on your premiums.

I run a business out of my home. Do I need special coverage?

PROBABLY. Most homeowner policies insure property for business purposes to a limit of only $2,000. Talk to us about a policy that can increase your limits, as well as coverage while traveling and additional liability.

When is the 6a (permission to carry passengers for compensation) required?

The focus is on carrying passengers for compensation or hire in the business of or for the use described therein.

Do I need to buy additional insurance for moving, or are my belongings still covered under my home insurance?

Most policies cover your property while it is in transit, as long as your residential policy is still in force, and insurers allow 30 days for you to complete your move. But if you store any contents in a warehouse, your personal residential insurance policy does not cover your property against theft.

What is the "Facility Association"?

It is an insurer of last resort, and ensures that car insurance is available to high risk drivers who might otherwise find it difficult to buy car insurance.

If I buy a car is it automatically covered under my existing policy?

Your automobile policy provides automatic coverage for a newly acquired automobile as long as your insurer is notified within 14 days of the date which you take ownership. If one of the vehicles has less coverage than the other, then the new vehicle will only have the lowest coverage, and all owned vehicles must be insured with the same insurer.

I recently had a car accident. I was not charged by the police, but the insurance company is saying that I was at fault. How can they do this?

Insurance Companies decide whether or not you are at fault based on regulations in the Provincial Insurance Acts. Even though you may not have been charged by the police for your accident, you may be found to be at fault by the insurance company.

I am doing some renovations on my house. Do I have to tell my Insurer?

YES. You must inform your Insurer of any renovations immediately to make sure your policy still covers your needs. Otherwise, you may be under insured.

Customer Service, Integrity & Honesty

Salvatore Insurance is a well respected, specialized brokerage serving clients through out Atlantic Canada for the past ten years.

Our knowledge and expertise is in both commercial and personal insurance products, and our specialization in the trucking industry sets us apart from other insurance brokers. Understanding your business and personal needs enable us to best service your insurance needs.