FAQ
You can learn more from our asked questions
We are a full-service insurance brokerage offering all kinds of insurance & financial services products.
- Auto Insurance
- Home Insurance
- Commercial Insurance
- Builders risk
- Bonds
- Life Insurance
- RRSP
- RESP
- Travel Medical Insurance
- Personal Health Plans
You can call us, email us, contact us via social media or visit us in person. We are open Monday to Friday 9.30 am -5.30 pm.
Our regular business hours are Monday to Friday from 9.30-5.30 pm. However, we will try our best to work around your schedule to provide you with the best service. Occasionally we can do weekend appointments.
Most insurance companies provide credit based discounts. However for insurance purposes, our insurance companies only do a soft hit on your credit in order to give you quotation. A soft hit on your credit does not affect your credit score at all and is actually not even visible to third party companies like banks, etc. Lately many insurance companies do not offer monthly pay options for people who refuse to provide consent to pull their credit.
Generally, each insurance company has a separate claims department that handles claims & they prefer to be directly contacted by our clients in order to gather all the relevant information and expedite the claim settlement process. However, that’s another area where a wise Insurance Broker can give you professional advice about the claims process. You can always reach out to our office to discuss any claims or related inquiries & rely on our professional advice. Let’s face it, most of us never have a claim or its first time. It is crucial to give factual information. Lack of proper communication skills can result in a not at fault claim into an at-fault claim and can result in insurance premiums being increased for the next renewal. So you always want to discuss any claim you have with your insurance broker before reporting it to the insurer.
Most insurance brokers are one-stop shops and insurance agents only represent the agency they are working for. Over 80% of our customers have more than one type of insurance with us. Because of our excellent customer service, we are able to take care of our clients and that’s why they love us.
No, once we present you quote and you approve that, we can complete the paperwork digitally and set up your insurance. However there are some Life Insurance policies where actual signatures are needed, other than that we can do almost everything online or over phone.
For the majority of the policies we sell or serve, insurance companies pay us a commission, so there are no fees charged to clients. However there are some commercial insurance policies where insurance companies do not pay us a commission or the commission is too less for the work done, we might charge a Broker fee. In case we charge a broker fee, we will be disclosing it very clearly before we confirm insurance.
Insurance in Canada is provincially regulated. Every Broker or Insurance advisor selling Insurance in Alberta must be licensed through Alberta Insurance council. Parmender Dhankhar, Broker has General Level 2 License and Life License. Rest assured every broker from our office advising on insurance is licensed.
We can provide you a quote without taking your personal information (like your date of birth, driver license no. etc.) However most insurance companies’ rating system is based upon your personal credit information and the rate we provide you without taking your personnel information might not be accurate or you might not be getting all the discounts that you might qualify for.
In order to provide you with an accurate quote, we might need to check your insurance history. We want to be fair and transparent in providing you quotations and unlike some online insurance companies where you see a quote which is different from what you actually pay. That’s where a wise broker is valuable. We will use our expertise to gather information about you and provide you with the best quotation which won’t change later on. Our licensed brokers review each quote thoroughly prior to quoting to make sure when the actual insurance policy is issued by the insurer, it is the same as what we quoted you.
Generally, most insurance companies offer monthly payment options. However, we also have an in house premium financing company that we use to provide you a monthly payment option.
Still have any questions?
Head office address:
9734 51 Ave NW #214, Edmonton
Call for help:
(780) 628-0099
Mail for information:
parm@dhankharinsurance.ca