Billing Frequently Asked Questions

This section includes Frequently Asked Questions regarding payment information.

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.

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.

Can I pay with a credit card on the website or over the phone?

Yes, to pay on our website anytime, please Make a Payment. You can also choose to pay your insurance premium with a credit card over the phone between 8:00 am and 4:30 pm local time Monday to Friday. If you choose to give us the information over the phone we will require the 3 digit security code on the back of the card in order to process the payment for you. We accept Visa or Master Card.

Why is my payment not going through on the website?

There are several reasons why a payment may be declined however, the majority of the time it is because the transaction failed the Address Verification System (AVS check). This check is an anti-fraud security feature being introduced by financial institutions to protect the cardholder and is beyond our control. Please note that when making a payment on the website the billing address of the cardholder is required. After you enter in your policy number and amount that you wish to pay; when you are directed to the next screen the address that is being requested is the one that is currently on the cardholder’s credit card statement and that is what you should enter. Failure to enter in the correct billing address will result in the payment being declined or not authorized and the funds may be held by the issuing bank for 3-5 business days. Do not try the transaction again without first confirming that you have the address on the cardholder’s billing statement.

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”. You can 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.

Can I stop or defer a payment?

If you wish to stop or defer a payment you must contact your Broker or office 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.

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.

How do I go about changing banking?

For all banking information or credit card changes you will need to contact your Broker as we will require a new authorization form to be filled out. Brokers will have our latest authorization forms to help you get started on the process of changing your banking or credit card details.

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.

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 if you have 2 or more returned payments in a term, we will charge an NSF fee as well as your credit privileges may be withdrawn and you will be required to pay the account balance in full.

Will a receipt be issued?

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

Where can I make payment?

  • On our website: Make a Payment.
  • A cheque or money order made payable to Portage 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.)
  • Online or via telephone banking through your financial institution.
  • At your Broker’s office.

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.

If you need to contact us with any payment inquiries please call 1-800-567-7721 and ask for the Accounts Department.