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What N.S.G.E.U MEMBERS SHOULD Keep in Mind When Selecting Insurance in Nova Scotia

As one of many N.S.G.E.U. members, you work hard and are dedicated to serving the community.
You put in long hours with high levels of responsibility and stress. You’re committed to the health and wellbeing of Nova Scotians.  As someone with such a demanding and important job, you can’t afford to have anything less than the best insurance coverage available.

Of course, it should also be affordable. You don’t want to devote a major portion of your income to insurance coverage. You work hard for your money.

That’s why you need an insurance company that will protect your assets and genuinely care about your wellbeing.

Insurance for N.S.G.E.U. Members in Nova Scotia: Tips to Keep in Mind While Shopping

Not all insurance companies are equal.

You deserve an insurance company that works as hard as you do to protect you and your most valued assets.

When you’re browsing companies, keep a few questions and tips in mind to ensure you’re making the best choice.

1.  Ask Coworkers and Other Union Members for Advice

The best way to find out which companies to avoid is to simply ask around.

If your coworkers or other union members have had a bad experience with a particular company, they’ll probably be very vocal about it. What did they like? What didn’t they like? See if they have any suggestions.

 2.  Consider How You Use Your Vehicle

Your vehicle is important. You need it to get to work every day. If you have a claim, you need an insurance company that will help you – not make the process harder.

Make sure any company you select offers a streamlined process for filing claims. Do they have a dedicated phone line with a live person to take calls?

Lots of families have more than one vehicle. Do you have any antique vehicles or specialty cars? Double check that the insurance company provides all the coverage you need.

3.  Do They Offer Group Discounts?

Both home and auto insurance are expensive. You never want to pay more than you absolutely need to. If you’re an N.S.G.E.U. member of a union or organization, shop around to see if any companies offer group discounts. Check your union halls and labour meetings for recommendations.  

4.  Pay Special Attention to Their Demeanor

When it comes to insurance, customer service is essential. Hopefully, you’ll never need to file a claim, but if you do, you want someone to treat you with the respect you deserve. 

As you shop around, pay special attention to their demeanor on the phone. Are they polite and helpful? Or are they irritated and cold?

Dealing with insurance claims is enough of a pain on its own. You don’t need to deal with unhelpful or rude people on the other end of the phone.

5.  Are you Considering Any Home Renovations?

Homes are dynamic. They require constant repairs and upgrades. Can your insurance plan compensate for this?

Some plans may only cover your home as is. If you complete any renovations, your insurance rates could skyrocket.

If you plan on making any home renovations or significant upgrades, make sure you can incorporate this into your policy at a reasonable rate.

6.  Consider All of Your Valuables

Does the plan offer insurance coverage for your valuables?

Money can’t replace heirlooms and keepsakes, but you still deserve to be financially compensated for these precious items in the event of an emergency.

Make sure your insurance plan covers valuables like jewelry, antiques, and fine art. Don’t forget to update your policy should you acquire any new items like these.

7.  Do They Offer Bundles?

Make sure the insurance company offers everything you need. Lots of companies will allow you to bundle your home and auto insurance for a lower rate.

Do you plan on starting a family anytime soon? Life insurance is important for protecting your family in the unfortunate event something happens to you.

8.  Check Online Reviews and Testimonials

When a company doesn’t treat clients well, you can easily figure that out with a quick Google search. Read through all the reviews.

Some companies hire bots to post good reviews for their own website and bad reviews for competitors. Do the bad reviews seem genuine? Did the company post a response?

9.  Can You Easily Update Your Policy?

Your needs may change down the road. Does the company allow you to easily change your policy without too much of a hassle? Will your rates shoot through the roof if you add minor changes?

People buy new cars, have kids, and update their homes. Make sure any insurance company you choose can cover your needs for years to come.

You want a company that has your back. That’s their job after all.

Higgins Insurance Values Their N.S.G.E.U. Clients

At Higgins Insurance, we know you work hard to serve the community. You deserve the best insurance coverage available at the best possible rate. That’s why we offer group discounts on insurance for N.S.G.E.U. members in Nova Scotia.

Whether you work in civil service, corrections, healthcare, or school boards, Higgins Insurance is proud to honour your valuable work with special rates.

Higgins Insurance is one of the fastest growing independent insurance brokers across the Maritime Provinces. As a family-owned and operated business, we strive to treat our clients like family.

If you’re an N.S.G.E.U. member, contact Higgins Insurance today to get a quote or learn more about our special rates and coverage options.

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