FAQ - Quebec
1. Is there a deductible?
Yes, the standard deductible is $ 1,000 unless otherwise noted. For
earthquakes or losses related to civil liability,
the deductible is $ 2,500.
2. HOW CAN I OBTAIN THE WORDING OF MY POLICY?
Your police documents would already be received by email.
However the wording of your policy is also available
via the home page under “View my documents”.
3. WHAT IF I WANT TO MAKE CHANGES TO
MY POLICY?
This is a program, no change can be made other
than increasing the coverage limit for your property.
If you need higher limits for items such as
jewelry, bicycles, etc., you will need to get an insurance policy
tenant from another supplier. If you need to change
your property line, please send your request to: bfltenantshelp@bflcanada.ca
4. HOW CAN I RESET MY PASSWORD?
1) Go to the home page and select Existing User.
2) Under “Send” press “Forgotten password”
3) Enter your email address and username
4) Click “Request new password”
An email will be sent to you containing a link to reset your
password.
5. WHAT IF I WANT TO CANCEL MY POLICY?
You can cancel your policy at any time. Please refer to
the home page and click on “Cancel my policy”.
6. CAN I KEEP MY POLICY IF I MOVE?
Not if you change rental agency / management company. This
policy has been specially created for the owner from whom you are renting.
If you need insurance after your move, you
will need to check if your new owner has a similar program
or if he is enrolled in the BFL program. Alternatively, you can do
deal with a local broker.
7. WHAT IF I MISS A PAYMENT?
If you miss a payment, an email will be sent to you
to ask you to confirm the banking information
that you provided. The email will inform you
also that a second attempt will be made to
recover the unpaid amount. If you miss your
payment a second time you will be charged a fee and your policy will be terminated
If you have problems paying your payment
please email to: bfltenantshelp@bflcanada.ca and we will try to work with you in order to
make sure your policy is not canceled.
8. ARE MY ROOMATES COVERED BY MY POLICY?
No, roommates are not covered and they will have to
get their own tenant insurance policy that covers
their civil liability as well as their property. The
family members; husband, wife, spouse's children
and dependents are all covered under the same policy
9. WHAT IF I HAVE FURTHER QUESTIONS ABOUT THE
PROGRAM OR MY POLICY?
You can send your questions and / or concerns
by email to: bfltenantshelp@bflcanada.ca or during business hours you can call 1-855-235-1889 and
ask to speak to a program specialist
tenant insurance.
10.HOW CAN I MAKE A
CLAIM?
There is a dedicated complaints line that is available
24/7 at 1-877-807-5662. Alternatively you can send your complaint by email to bfltenantprogram@sedgwick.com
If you are reporting a complaint, please have your
policy number on hand as well as the time and date of your loss. If your claim is related to theft or vandalism, you will need to file a police report
FAQ - Rest Of Canada
1. Is there a deductible?
Yes, the standard deductible is $1,000 unless otherwise stated. For Earthquake and Liability losses the deductible is $2,500.
2. How do I obtain a copy of my policy wordings?
You will be sent an email copy of your policy wordings once payment is received. However, policy wordings are also available through the home page under ‘View My Documents’.
3. What if I want to make changes to my policy?
This is a program and changes cannot be made to the policy other than increasing the property limit. If you require higher sub limits to items such as jewelry, bikes etc. you will need to obtain a tenants policy from another provider. To change the property limits only on your BFL policy please send your request to: bfltenantshelp@bflcanada.ca
4. How do I reset my Password?
1. Go to the Home page and select "Existing User"
2. Below "Submit", click on "Forgot Password?"
3. Type in your email address and your username
4. Click "Request New Password"
5. An email will be sent to you containing a link to reset your password
6. Click on the link in the email, type in your new password and click "Update Password"
5. What if I want to cancel my policy?
You may cancel your policy at any time. Please refer to the Home page and select “Cancel My Insurance”.
6. Can I take the policy with me when I move?
Not if you are changing leasing agencies/management companies. This policy was specially created for the landlord you have been renting from. If you require coverage after you have moved out, you will need to see if your new landlord has a similar program or is set up on the BFL program for your new coverage. Alternatively, you can purchase tenant insurance through a local broker.
7. What if i miss a payment?
If you miss a payment an email will be sent to you asking for confirmation of the banking information you provided the email will also let you know that a second attempt will be made to collect the outstanding amount.If the payment is missed a second time you will be charged a fee and your policy will be cancelled.Should you have any payment issues or concerns please email bfltenantshelp@bflcanada.ca and we will try to work with you to ensure your policy will not be cancelled.
8. Is my roommate covered under my policy?
No, roommates are not covered, they will need to obtain their own tenant insurance policy for their belongings and liability. Family members; husband, wife, spouse(s) children and dependents are covered under one policy.
9. What if I have other questions about the program/policy?
You can email your questions and/or concerns to: bfltenantshelp@bflcanada.ca or during business hours, you can call 1-833-351-6825 and ask for a tenant program specialist.
10. How do I file a claim?
There is an exclusive claims line that is available 24/7 at 1-877-807-5662. Alternatively, you can email your claim information to: bfllandlordprogram@sedgwick.com When reporting a claim, please have your policy number, date and time loss occurred and the cause of the loss ready. If your claim involves theft or vandalism, a police report will be required to process your claim.
FAQ Documents - Quebec
FAQ Documents - Rest Of Canada
