About the MEARIE Group Home & Auto Insurance Program

Without question, the employees of the Ontario Energy Sector are a highly diverse group. You work across most of the province, many of your skills are as deep as the professions you practice are broad, and your personal and family lives vary based on not only on the work you do and the places you live, but also on the passions you pursue. When looking to launch a new and better insurance program for your diverse lives, The MEARIE Group knew that no single insurance company could cut it any longer.

As a result, The MEARIE Group Home and Auto Insurance Program launched. Powered by PROLINK, the Program connects you to multiple insurance companies to give you the choice and expert advice to find the right solutions for your lives at rates that reflect the buying power that you and your colleagues generate.

Contact the MEARIE Group Home & Auto Program today to determine the best plan for you!

At PROLINK, we can help you feel confident that you have the right protection.

We believe in personal relationships.

We value knowing you, and taking the time to understand your unique situations, so that we can provide you with genuine advice and follow-through. Our named, dedicated advisors will take a holistic view of your lives and explain all of your coverages and potential exposures, so that you can make educated decisions.

We have over 30 years of experience.

As a result, we’ve seen insurance from every perspective. Wherever you’re coming from, and whatever you need, we’re your one-stop-insurance-shop. You can depend on us for the protection you require.

We represent a network of insurers.

We know their strengths, their weaknesses, how they’ll assess you as a risk, and how they’ll treat you in the event of a claim. Plus, as one of Canada’s largest national brokerages, we have the buying power and influence required to advocate for you and your needs with the various insurers.

We work for you, not the insurer.

As an independent insurance brokerage, we are not obligated to sell you on a particular insurer. Instead, we’ll evaluate the available offerings and the discounts you are eligible for, to bring you solutions to best fit your life.

Meet Your Dedicated PROLINK Team


Protection for Me & My Personal Life

Your life is complicated. Selecting your insurance doesn’t have to be.

Learn how we can help make your life simpler.

  • Home & Condo

    In times of crisis, the Ontario Energy Sector comes to the rescue to help communities recover from storms. These unforeseen events can destroy homes, devastating people’s lives financially and emotionally. You’ve seen it yourself.

    Unfortunately, life is full of unexpected surprises. On any given day, a storm could damage your roof, or a pipe could burst leaving your basement flooded. Most people figure: no big deal. That’s why you have Home Insurance. But not all policies are the same, and gaps in your coverage could leave you exposed.

    Your home is your most valuable asset. You understand the importance of having proper protection in place.

    At PROLINK—Canada’s Insurance Connection we’ve got your back. And we will help you feel confident that you have the right coverage, should something occur. With over 30 years of experience and access to a network of insurers, we can offer you a choice of solutions, price points, and other benefits to fit your needs.

    In addition to any individual discounts you may be eligible for, as an employee of Ontario’s Energy Sector, you can access group rates that will offer an additional discount of up to 20% on your Home Insurance! You won’t know how much you could be saving until you talk to us. Contact us today!

    • FAQ

      • 1. Do you have to buy home insurance?

        You only have to buy Home insurance if you are applying for a mortgage.

        But if you are purchasing a home without a mortgage and decide not to purchase Home insurance be warned: your home is your most valuable asset and unexpected situations like floods, theft, and crime happen. You should still make an effort to protect yourself by purchasing Home insurance, even though it’s not mandated by the government or the bank.

      • 2. What is a disappearing deductible?

        Some insurers offer a reduction in your deductible for every consecutive year where you don’t make a claim until eventually you don’t have a deductible at all. However, if you ultimately need to make a claim again, the deductible will be restored to its original amount.

      • 3. How are home premiums calculated?

        Each insurer calculates your premium differently. Some common consideration factors include:

        • Location;

        • Condition/age of home;

        • Number of years in home;

        • Heating method;

        • Fire-fighting support for location;

        • Requested limit;

        • Number of claims;

        • And more.

      • 4. When do I need to update my policy?

        You should always review your policy on an annual basis. Beyond that, you should also notify your broker in the event of the following scenarios:

        • Address change;

        • Renovation;

        • Addition of a home-based business;

        • Purchase of high-value assets.

      • 5. I just renovated my home, how will that impact my insurance policy?

        Certain renovations –such as replacing your roof—could mean that you’re eligible for a discount. Renovations could also mean that the value of your home has increased and that you need to make sure that you are still adequately covered by your policy. Always consult your broker if you are planning on making any renovations to ensure that you are still getting the best coverage at the best possible price.

      • 6. What’s the benefit of having Home and Auto insured together?

        Bundling your home and Auto insurance will help you save money on both policies. As an added benefit, if you need to make a claim on both your house and car, you will only need to pay one deductible.

  • Auto

    Everyone knows that Auto Insurance is heavily regulated by the government. But that doesn’t mean that it’s the same everywhere you go. There are so many product options and little-known discounts to take advantage of; and different insurance companies have different views of risk.

    How can you figure out what’s right for you? It takes work. And, you’re busy. You probably don’t have the time to dig through all the offerings out there to find the best product, or the insurance company that will serve you well, and treat you fairly when you have a claim. Plus, who really wants to?

    You don’t have to go through all of that trouble to make sure that you’re not overpaying for your car insurance. Wherever you’re coming from, and whatever you need, we’ve seen it all. You can depend on PROLINK to find you a policy that gives you superior protection at a reasonable price.

    We can also help you protect your:

    • Motorcycles;

    • Campers and motorhomes;

    • Collector and antique cars;

    • Recreational vehicles such as ATVs and Snowmobiles;

    • And more!;

    In addition to any individual discounts you may be eligible for, as an employee of Ontario’s Energy Sector, you can access group rates that will offer an additional discount of up to 20% on your Auto Insurance! You won’t know how much you could be saving until you talk to us. Contact us today!

    • FAQ

      • 1. Why do I need Auto insurance?

        In Canada, you must have Auto insurance before you are allowed to drive a car. By law, you must have the following basic coverage:

        • Accident benefits (if you or a passenger are hurt in an accident);
        • Unknown/uninsured motorist (in the case of a hit and run);

        • Liability (if someone sues you);

        • Direct compensation for property damage (for damages to your vehicle from an accident which isn’t entirely your fault or where you are not at fault).

      • 2. What other policy features are available beyond the basic Auto package?

        Options will vary by province and need; however here are some commonly purchased coverages:

        • Specified Perils: covers the cost to replace/repair your vehicle if it’s damaged by theft, fire, or other rare incidents;
        • Comprehensive Insurance: provides protection for specified perils and other scenarios such as vandalism, falling objects, and more;
        • Collision or Upset: covers the cost to replace/repair your vehicle if it’s in a crash or if it tips over;
        • All Perils: Combines all of the above and more.
      • 3. Are other drivers allowed to drive my car?

        If they are licensed and have received your permission, they are allowed. However, all licensed drivers in your home must also be listed on your policy.

      • 4. How much auto insurance is enough?

        It varies by provincial requirements.

      • 5. What does "at fault/not at fault" mean?

        It is a percentage of responsibility that is assigned to every driver that is involved in an accident but is calculated differently by various insurers. You could be considered not at fault (0%), partially at fault (1-99%) or at fault (100%).

      • 6. How are auto premiums calculated?

        Each insurer assigns a different rate based on how they assess the following factors:

        • Address change;

        • Renovation;

        • Addition of a home-based business;

        • Purchase of high-value assets.

        • Limit and deductible required;

        • Make, model and year of your vehicle;

        • Vehicle usage (errands, commuting, commercial, etc.);

        • Distance travelled annually;

        • Address;

        • Driving experience;

        • Claims history;

        • And more.

      • 7. When do I need to update my policy?

        While you should review your policy at least once a year, make sure to contact your broker if: you move, buy a new vehicle, add a new licensed driver to your policy, or begin using your vehicle for business purposes.

      • 8. I have a classic car. Will my regular Auto policy cover me?

        It is a percentage of responsibility that is assigned to every driver that is involved in an accident but is calculated differently by various insurers. You could be considered not at fault (0%), partially at fault (1-99%) or at fault (100%).

      • 9. Why do I need to insure my child who’s away at school as a driver?

        Your child is only away at school part time in a secondary residence. Their primary residence is still considered to be your home. The Canadian government mandates that you insure every licensed driver who resides in your home.

Caring Claims

Sometimes, stuff happens. In the event that you need to make a claim and the situation is urgent or an emergency, help is a phone call away!

Monday to Friday (8AM to 5PM)
 Contact PROLINK directly at 1-877-4-MEARIE (1-877-463-2743).
We will take your claim, confirm your policy and report it to your insurer.

After Hours
 
Access our after-hours claims service, Kernaghan Insurance Adjusters at 1 800 387 5677,
or call your insurer directly and they will loop us in.

Please reach out to PROLINK if you ever feel unsure. We’re here for you.

To speak to a professional who can guide you to the right coverage from the right insurer at the right price contact us below:

1-877-4-MEARIE (1-877-463-2743) or MEARIE@prolink.insure

The MEARIE Group Home & Auto Program is powered by PROLINK-Canada's Insurance Connection  all rights reserved © 2018

"PROLINK" and "PROLINK-Canada's Insurance Connection" are trade names for PROLINK Insurance Group Inc., and le Groupe d'Assurances PROLINK Inc.