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BillingFAQ

Billing Frequently Asked Questions (FAQ)

Oval

This section includes Frequently Asked Questions regarding payment information however, if you have any questions about your policy wordings or coverage your Insurance Broker is always available to help you with all of your insurance needs. If you need to contact us please call 1-800-567-7721 and ask for the Accounts Department.

Can I change my payment plan?

You can only change your payment plan on renewal. If at any point during the policy term you do not wish to continue on the payment plan you are enrolled in you can choose to pay your balance in full and select a different payment plan on renewal. For information on the payment plans we offer please contact your Broker.

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Can I pay with credit card over the phone?

Yes, you can pay your insurance premiums over the phone with a credit card. Please note that for your protection we do require a signature for all credit card payments. If you choose to give us the information over the phone we will process your payment and send out a form in the mail with a return envelope. Please return the form to the Company as soon as possible.

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Online Banking - How do I set it up? / What account number do I use?

You will need to register for online banking through your financial institution. Depending on which financial institution you are dealing with, our Company name will be listed as “The Portage la Prairie Mutual” or “Portage la Prairie Mutual” or “Portage Mutual Insurance”. Enter either your 7 digit Direct Bill account number or your 6 digit policy number (ignore the alpha characters if using your policy number). It may be necessary to add one or two zeros to the beginning of the number to make it the required number of digits for your financial institution. Please note if your financial institution is CIBC you must use your 6 digit policy number INCLUDING the preceding letters. (ie: PP000000). You must make a separate payment for each policy.

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Can I stop or defer a payment?

If you wish to stop or defer a payment you must contact your Broker prior to doing so. Failure to notify us prior to doing so will result in your policy being removed from the payment plan and the full balance will be required at that time.

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Can I change my withdrawal date?

On the Portage Automatic Chequing Plan you have the option of having your withdrawal occur on the 1st or the 15th of the month. No other withdrawal date is currently an option. We require at least 3 business days notice if you wish to change from your current withdrawal date.

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How do I go about changing banking?

If you change bank accounts we will require a new void cheque. If you change financial institutions we will require a new void cheque and a new signed payment authorization form, which is available on our website here. We require the information to be in our office at least 3 business days prior to the scheduled withdrawal.

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How is my withdrawal date determined?

  • On the Portage Automatic Chequing Plan if your policy effective date is from the 1st to the 14th your withdrawal is going to occur on the 1st. If your policy effective date is from the 15th to the 31st your withdrawal is going to occur on the 15th. (If the 1st or the 15th is on a holiday the withdrawal will occur on the next business day) If your withdrawal is supposed to occur on the 1st but you would prefer to have your withdrawals occur on the 15th, or vice versa, you can request that. Simply notify your Broker. We would require at least 3 business days in order for the change to take effect.
  • On the Monthly Credit Card Plan your withdrawal (charge to your card) is going to occur on the 1st of the month (in the case of the 1st being on a holiday it will occur on the next business day). The 1st of the month is the only option.
  • On the Annual Credit Card Plan the withdrawal (charge to your card) is going to occur on the effective date of the policy. (In the case of the effective date being on a holiday it will occur on the next business day)

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What happens if my payment is NSF?

If you are enrolled in the Portage Automatic Chequing plan and your withdrawal is NSF the bank will re-try (re-present) the payment within 3-5 business days from your scheduled withdrawal date. If the re-try is unsuccessful, we will receive a returned item from the bank. If you have had no previous payment problems your next scheduled withdrawal will include the missed payment. Your financial institution may charge you for the unsuccessful attempts. Please note that any more than one NSF payment in a term may result in your credit privileges being withdrawn and NSF fees incurred.

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Will a receipt be issued?

A receipt will not be issued when making payment on your policy.

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Where can I make payment?

  • Payment can be made at your Broker’s office.
  • A cheque or money order made payable to Portage la Prairie Mutual Insurance can be mailed directly to the Company using the return envelope provided with your billing notice. (Include the stub portion of your notice when paying by cheque.)
  • Payment can be made online through your financial institution.
  • Payment can be made through telephone banking.

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Will I get a refund?

A refund may be issued to you in the event of cancellation or overpayment of your policy. In order to confirm if you are eligible to receive a refund you should contact your Insurance Broker.

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