FAQ

General Questions

1Who is ZipSure?
ZipSure and ZipTenant are registered trademarks of ZipSure Insurance Brokers Limited, a brokerage headquartered in Dartmouth, Nova Scotia and licensed in NS, NL, NB, PE, ON, MB, SK, AB, BC. ZipSure Insurance Brokers Limited is owned by Jamie Reid Family Trust.
2What is www.ZipSure.ca?
Our website www.ZipSure.ca is a new way of working with your insurance. You can now think about your insurance the same way that you think about your phone bill or your internet bill.
With ZipSure, you pay for your insurance monthly. There is no expiry date. You buy your policy online, and it continues until either you choose to cancel it or until we cancel it for non-payment.
In addition, you work with your policy completely online. You register, create your quote, buy your policy, update your coverage, and track your payments all completely online.
We have worked to make ZipSure as user friendly as possible. Our philosophy is that if you need to phone us then we have overlooked something on the web site.

Policy Questions

1How Do I Get a Quote?
Thank you for thinking of us! To obtain a quote, please visit www.ZipSure.ca , select “Get a Quote” and the system will walk you through the process.
2How Soon Can My Insurance Start?
Your insurance can be activated as soon as 12:01am tomorrow. You can get a quote and purchase it in a matter of minutes. The final step in the process is online payment and activation. We will collect your credit card information and run your initial payment instantly. If you are new to Canada and have not yet set up a Canadian bank account or credit card, please email support@zipure.ca for payment options. We can still work together to find a way to start your policy right away!
3What Coverage Should I Choose?
Insurance can be confusing – that’s where we come in! There are information buttons next to each coverage to explain what it entails. We recommend reading about each coverage to ensure you are purchasing adequate coverage for your personal contents and lifestyle.
If you have any questions that are not answered OR you require technical support, please email them to support@zipure.ca.
Once you have completed your quote and would like to proceed with the policy, the purchase can be completed online!
4Why Don’t ZipSure Policies Have An Expiry Date?
ZipSure is a new way of buying insurance. You can think of your insurance policy in the same way as your cable bill or your phone bill. You buy your policy, and then you pay for it monthly. Since you pay for your policy monthly and since you can cancel your policy at any time, we do not need to worry about having an expiry date. This is a more simple method to manage insurance, and we have turned that simplicity into reduced rates. Some people use an Expiry Date as a reminder to check on their policy. We tell you what your Anniversary Date is, so that you can use this as a reminder instead.
5What Is An Anniversary Date?
Most insurance policies have a start and end date, and have an Expiry Date indicating when the policy ends. ZipSure policies are different, in that you subscribe to them, pay for them monthly, and have continuous coverage. The Anniversary Date is a date that comes at the end of a year of coverage. If you started your policy in March 2014 then your first Anniversary Date will be March 2015. A lot of people use this as an Expiry Date. The difference is that at an Expiry Date your policy is scheduled to end. On the Anniversary Date your policy will continue. A ZipSure policy will only end when you cancel it.
6How Do I Get Proof of Insurance?
To obtain proof of insurance for your landlord, please sign in to your account at www.ZipSure.ca , select your active policy then select "Email Proof of Insurance.”
7How Do I Change My Address If I’m moving To a New Building?
While our policies cannot be transferred to a new or different address, you can cancel the existing policy and set up a new one.
It’s easy! Sign In to your account at www.ZipSure.ca select your active policy and then select the “Cancel Policy” button. You can then start a new policy by selecting “New ZipTenant Quote.”
When you cancel an existing policy, the cancellation is effective the last day of the month it is cancelled.
For example, whether the cancellation is requested on the 2nd, 12th or 20th, the policy will cancel the last day of the month.
To avoid having two policies at the same time, please set up the new policy effective the first day of the month following the cancellation. The cancelled/previous policy will cover you in the new home up until the cancellation date.
For example, if you’re moving on the 15th of the month, cancel your existing policy on the 15th and it will remain effective until the end of the month. Then, set up the new policy for the new address effective the first day of the next month.
Once the new policy is set up, please send an email to support@zipsure.ca with the new address and we will provide proof of insurance for your landlord.
8How Do I Change My Unit Number?
To update your unit, please sign in to your account at www.ZipSure.ca and select your active policy, then select the drop down arrow next to “Building and Landlord Information.” Select the “Update” button next to the unit then select your unit from the list.
If your unit is not listed, simply click on the “add unit’ option at the bottom of the list.
For updated proof of insurance, you can then select “Email Proof of Insurance.”
9Why Am I Not Receiving E-mails From ZipSure?
Please also add support@zipsure.ca and admin@zipsure.ca as safe senders to ensure you receive all correspondence regarding your policy.
10How Do I Reset My Password?
Please visit www.ZipSure.ca and follow these steps:
  • Select “Sign In”
  • Select the “Password Reset”
  • Enter you email address on the password reset page
  • Select “Email Password Reset Code”
  • Retrieve the password reset code from your email
  • Enter the password reset code in the “Reset Code” box on the password reset page
  • Type your new password then type it again in the box below to confirm it
  • Select the “Submit New Password” button
11How Do I Change My E-Mail Address?
To change your email address for your login, please do the following:
  • Go to our website: www.ZipSure.ca
  • Select “Sign In”
  • Under the “Login” button, select the link "If you are not yet a ZipSure user then please select here to sign up…" and enter the required information. This will register your new email address as a user on the system. You can use the same or different password for the new e-mail;
  • Check your email and follow the link provided to verify your account
Once this is complete, please contact support@zipsure.ca and we will finish the transfer to your new email account.
12How Do I Change My Coverage?
Please sign in to your account at www.ZipSure.ca , select your active policy then select “Update Coverage Details.”
Our system will walk you through a series of screens, allowing you to change the information and coverage contained in your policy. Please ensure to complete the entire process to successfully complete the change. You will receive a confirmation email to confirm the change was successful.
13How Do I Add/Delete a Roommate?
Please sign in to your account and www.ZipSure.ca , select your active policy then select “Update Coverage Details.”
Our system will walk you through a series of screens, allowing you to add or delete a roommate. Please ensure to complete the entire process to successfully complete the change. You will receive a confirmation email to confirm the change was successful.
14How Do I Cancel My Policy?
You can cancel your policy quickly and easily by signing in to your account at www.ZipSure.ca and following these steps:
  1. Go to www.ZipSure.ca , select the "Sign In”
  2. Select the policy you would like to cancel
  3. Click on the "Cancel Policy" button
Once the cancellation request is received, your policy will be cancelled effective the last day of the month.
If you wish to insure your new apartment, you can then set up a new policy by selecting “New ZipTenant Quote.”

Claims

1How Do I Report a Claim?
Accidents happen! To open a claim, please complete our simple claim report using our online portal . An adjuster will contact you within the next 48 business hours to review the claim details and provide direction on what will happen next.
2How Do I Know What My Coverage Is?
You can check your coverage anytime, from anywhere! Sign In to your account at www.ZipSure.ca select your active policy and then click on the down arrow next to “Coverage Details.”
If you would like to change your coverage, please select your active policy then select “Update Coverage Details.”
Our system will walk you through a series of screens, allowing you to change the information and coverage contained in your policy. Please ensure to complete the entire process to successfully complete the change. You will receive a confirmation email to confirm the change was successful.
If you have any questions about your coverage, please email your questions to support@zipsure.ca .

Payments

1I Have A Quote – How Do I Purchase My Policy?
To purchase the policy, please visit www.ZipSure.ca and select “Purchase Saved Policy.” Enter your login details, click on the green “Login” button, then click on the quote to start the purchase.
The first payment is required before the policy can be activated; this payment can be made via credit card or Interac, online debit. We also require your banking information to set up the regular, monthly withdrawals.
Please note, if you have a Visa enabled Debit card, enter it as a Visa, not as Interac, online debit.
To obtain proof of insurance for your landlord, please sign in to your account at www.ZipSure.ca , select your active policy then select "Email Proof of Insurance.”
2How Do I Make Payments?
The first payment can be made via credit card or a Visa enabled Debit card. The regular, monthly withdrawals will be deducted from your chequing account using the banking information provided when you set up the policy.
3Do you Accept Visa Debit Cards?
Absolutely! If you have a Visa enabled Debit card, enter it as a Visa, not as Interac, online debit.
4When Are my Monthly Payments Made?
All ZipSure policy payment withdrawals are on the 1st of every month, any unsuccessful payments are automatically reattempted on the 8th of the month.
If the payment on the 8th is unsuccessful, a registered letter will be issued on the 15th outlining what is required to prevent cancellation of the policy.
5Can I Change My Payment Withdrawal Date?
All ZipSure policy payment withdrawals are on the 1st of every month; any unsuccessful payments are automatically reattempted on the 8th of the month.
If the payment on the 8th is unsuccessful, a registered letter will be issued on the 15th outlining what is required to prevent cancellation of the policy.
6Why Is My First Payment Higher?
You pay for your ZipSure policy a month in advance. When your policy starts, we bill you up until the end of the first complete month, and we add a 10% setup charge. If you buy your policy on the 15th of January, then your first payment will be for the remainder of January plus all of February plus 10% of that total amount.
7How Do I Update My Banking?
To update your bank account details, please sign in to your account at www.ZipSure.ca , select your active policy then select “Update Payment Method.”
Please note, changes to account details must be made before the 24th of the month to ensure the next payment comes out of the correct/updated bank account.
8Does ZipSure Charge Fees?
Yes, we do.
There is a one-time 10% set up fee applied to the initial, credit card payment.
If the monthly payment on the 1st of the month is returned by the bank due to non-sufficient funds in the bank account, funds not cleared or payment stopped/recalled, we will charge a $15.00 fee on the payment reattempt.
If the reattempt payment on the 8th of the month is returned by the bank due to non-sufficient funds in the bank account, funds not cleared or payment stopped/recalled OR if we do not receive correct banking information prior to the 15th of the month, we will charge a $30.00 fee in addition to the missed premium in order to keep the policy in force.
If a policy is cancelled for non-payment and a new policy is required, we require a $30 re-establishment fee before the new policy is purchased.

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