Billing & payments
I have a quote - how do I purchase my policy?
Go to www.westlandexpress.ca, log in to your Tenant account, select My ZipTenant Policies, choose the quote you want, and click the purchase button. Follow the steps to complete the payment via credit card or Interac. Banking info is required for monthly withdrawals. If you have a Visa Debit card, enter it as Visa, not Interac. To get proof of insurance for your landlord, log in, select your active policy under My Policies, scroll to Policy Documents, and click ‘Proof of Insurance’ to download the Declaration.
How do I get a quote?
Thank you for thinking of us! To obtain a quote for tenant insurance, please visit www.westlandexpress.ca, select Get a Quote, then click on Tenant Insurance! The system will walk you through the process.
How do I make a reinstatement payment?
Log into your Westland Express account, select your active policy, and click ‘Reinstate Policy.’ Follow the prompts to complete your payment using a Visa, Mastercard, or a Visa/Mastercard-enabled debit card. Ensure your payment details are accurate for the next monthly payment.
What are my monthly payments?
You can find your monthly payment amount on your policy documents or on the home screen of your account via the self-serve portal.
How do I get a receipt for my payment?
Email admin@westlandexpress.ca to request an official receipt.
My payment was declined, what do I do?
Please contact us at support@westlandexpress.ca with your policy # and address and we will review and provide next steps.
Can you waive the declined payment fee?
Unfortunately, we are unable to waive fees under any circumstances.
Are there any discounts?
There are no discounts available at this time.
Does my quote include tax?
The quote amount includes all applicable taxes and fees.
What is my deductible?
Your deductible, the amount you are responsible for paying out of pocket before your insurance covers a claim, can be found in your policy documents or under the policy tab of your account in the self-serve portal.
Is a credit check required?
We don’t currently do credit checks.
Why Is My First Payment Higher?
“All Westland Express ZipTenant policies are made one month in advance.
The initial, credit card payment will cover you up to the end of the first complete month AND includes a 10% set up fee and $1.00 processing fee. For example, if you purchase your policy on the 15th of January, your first payment will be for the remainder of January, all of February, a $1.00 processing fee plus 10% of the total amount.”
Claims
How Do I Report a Claim?
Accidents happen! To open a claim for a ZipTenant policy starting with NTP, WLXT, or ZipT, log into the ZipTenant Portal and click on Claims > Report Claim. For other tenant insurance policies, click on your insurer below. You can find your insurer on your policy documents. An adjuster will contact you within 72 business hours.
Does my insurance cost go up if I file a claim?
We don’t currently apply a claim surcharge.
Coverage
What are special limits?
Special limits apply to certain items specifically listed in your policy documents. In the event of a claim, the special limit represents the maximum amount your policy will cover for loss or damage in a single occurrence, unless a higher limit has been purchased and is reflected in the policy documents.
What is enhanced coverage?
If “enhanced coverage” is shown on your policy documents, you are insured against all risks of direct physical loss or damage subject to the exclusions and conditions of this policy. If “enhanced coverage with extended water damage” is shown on your policy documents, the policy will provide coverage for sewer back up losses.
Which coverage is all perils?
All perils means you are insured against all risks of direct physical loss or damage subject to the exclusions and conditions of this policy.
What are named perils?
Named perils means you’re only insured for the types of direct physical loss or damage expressly listed on the policy documents.
What is additional living expense?
If your dwelling becomes unfit for occupancy due to damage from an insured peril, or if you need to move out during repairs, the policy will cover necessary living expenses, including moving costs, to help maintain your household’s standard of living. Coverage extends for the reasonable time required to repair or rebuild the dwelling, or if you permanently relocate, for the time needed to settle elsewhere. The policy deductible applies.
Will this policy cover my jewelry?
Jewelry and furs are subject to a $1,000 special limit. In the event of a claim, the special limit is the most the policy will pay for insured loss or damage, in any one occurrence, unless a higher limit is purchased and is shown on the policy documents. The coverage purchased should be equal to the total dollar value of jewelry and furs you own. The coverage limit you select is part of the personal contents limit, not an extra amount on top of that. The policy deductible will apply.
Will this policy cover my collectibles?
Collections are subject to a $500 special limit. In the event of a claim, the special limit is the most the policy will pay for insured loss or damage, in any one occurrence. A higher limit is unavailable for collections. The policy deductible will apply.
Do I need extra coverage if I work from home?
If you’re working from home using a company provided computer and materials and you’e not seeing clients, you don’t need to add coverage. Please note that we can’t insure items that don’t belong to you personally. Any items that belong to your company that you’ve brought home should be covered under their insurance policy. We can’t insure individuals who own their own business, are self-employed or operate a business out of their home.
Do you offer coverage in all provinces?
Yes.
Do I have coverage for my home business?
We can’t offer insurance if you are self-employed, own your own business or operate a business from your home. We recommend contacting our parent company, Westland Insurance, to request a quote – www.westlandinsurance.ca.
Does this policy cover me for identity theft?
If “identity theft” is purchased, the policy will cover up to the amount shown on the policy documents in the event you are victim of identity theft. The expenses are defined as the costs associated with the restoration of your identity. The deductible shown on your policy documents will apply.
Does my policy cover rodents and bed bugs?
Westland Express policies don’t cover damaged caused by birds, vermin, insects/bugs, raccoons or rodents.
Are my unit improvements covered?
Unit improvements and betterments aren’t covered under the policy.
General
Who is Westland Express?
Westland Express is the digital branch of Westland Insurance, one of Canada’s largest insurance brokerages. Westland Express offer a digital solution for quoting, purchasing and managing tenant insurance policies.
Do I need tenant insurance?
Insurance protects you, your property and your personal belongings in the event of many sudden or accidental events.
Is tenant insurance mandatory?
As of 2024, you’re not required to have tenant insurance in any canadian province, but your landlord may require you to provide proof of insurance before they’ll rent to you. Provincial legislation is subject to change at any time.
Policy management
Why do you need my personal information?
Westland Express may request your previous insurance history, previous landlord history and other background information. This information will be held in strict confidence and will only be used to assess your risk as an insurance consumer and to determine your insurance premiums.
What is my account number?
Your policy number can be found on your policy documents, on the policy tab of your account via the self-serve portal or in any email you received from Westland Express.
Should I keep inventory of my contents?
While not required, an inventory is never a bad idea. In the event of a claim, the adjuster will request a list of lost and/or damaged items as well as proof of ownership in the form of receipts and/or photos. A detailed inventory may make the claim process quicker and easier to complete.
Can I put my insurance on hold?
Insurance can’t be put on hold. You must cancel your policy then create a new one when you require insurance again.
How to transfer/update the name listed on the policy?
We are unable to change the primary account holder’s name. To add or remove a roommate or additional insured, log into your account at www.westlandexpress.ca. Once signed in, select your active policy and click ‘Change Address & Coverage.’ Follow the prompts to make the updates. If there’s a cost increase, you’ll be prompted to complete the payment. For cost decreases, the system will issue a refund.
How to change my last name?
Please contact us at support@westlandexpress.ca with your policy # and address and the correct name and we will review and provide next steps.
Where do I find my policy number?
Your policy number can be found on your policy documents, on the policy tab of your account via the self-serve portal or in any email you received from Westland Express.